4.8out of 3,000+ reviews
Washington Average Cost of Car Insurance Rates (2022)
- Personalized quotes in 5 minutes or less
- No signup required
4.8out of 3,000+ reviews
| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
On average, car insurance rates for drivers in Washington are $248 per month, and $2978 per year. The average rates make Washington the 18th most expensive state in the country for car insurance rates and 10% more expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Washington and has selected the following providers and quotes as the best rates for drivers in Washington.
Cheapest Companies | Quotes |
---|---|
American Family | $15 |
Progressive | $31 |
GEICO | $75 |
State Farm | $78 |
Nationwide | $82 |
For drivers in Washington, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Washington.
City | Avg. Monthly Rate |
---|---|
Bellevue | $231 |
Bothell | $233 |
Everett | $233 |
Kent | $265 |
Olympia | $197 |
Renton | $261 |
Seattle | $243 |
Spokane | $189 |
Tacoma | $263 |
Vancouver | $210 |
At $455, it would take 31 hours of minimum wage work for a teenager to pay the average cost of car insurance in Washington. Good grades, sports, and other extracurriculars become a challenge with that high price. Young adults in their 20s see more than a $175 price slash compared to the less-experienced teenage drivers.
It's the Washingtonians in their 30s, 40s, and 50s who finally slide below the average monthly cost for residents of the state. Seniors pay nearly $300 less than the youngest age category of driver.
Age | Avg. Monthly Rate |
---|---|
Teens | $455 |
20s | $274 |
30s | $212 |
40s | $231 |
50s | $203 |
60s | $176 |
70s | $184 |
>80s | $193 |
Men in Washington pay an average of $16 per month more than women for car insurance. There are a couple reasons behind that trend: men drive more expensive vehicles, and women statistically tend to be less risky drivers––and are therefore less expensive to insure.
Gender | Avg. Monthly Rate |
---|---|
Male | $256 |
Female | $240 |
In Washington, married drivers pay an average of $25 less than their single counterparts for car insurance. That may not seem like much, but it averages out to over $300 per year. That’s because insurance companies generally consider married drivers to be less risky to insure than singletons.
Marital Status | Avg. Monthly Rate |
---|---|
Married | $231 |
Single | $256 |
Washington requires drivers to carry liability insurance to pay if they injure others or damage their property. The law says you must have $25,000 in bodily injury liability per person and $50,000 per accident, and $10,000 in property damage liability per accident. If you want to protect your car, buy comprehensive and collision coverage.
It’s perfectly legal in Washington for insurance companies to use credit score as a factor in determining car insurance rates.
It's no big deal for most Washingtonians because the difference between poor, average, and good is just $7 or less. When you move from good to excellent credit, that's when you see $20 savings per month, which translates to $240 a year. Washington drivers with credit scores of over 800 are in an excellent position to save on their premiums.
Credit History | Avg. Monthly Rate |
---|---|
Poor | $240 |
Average | $245 |
Good | $247 |
Excellent | $224 |
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Washington will pay $14 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $40. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
Driving History | Avg. Monthly Rate |
---|---|
No Violation | $237 |
At-Fault Accident | $277 |
Speeding | $251 |
Washingtonians can expect premiums to differ depending on location, company, and vehicle. The Evergreen State continues to march upwards, with over 109,000 people moving to Washington in 2019. Will insurance prices rise with the population?
When you're already in the top half of states for insurance costs, you want to see monthly premiums go down. Washington’s residents should try Insurify ’s comparison tool to see 10+ real quotes and unlock savings and discounts. In less than two minutes, you could find the coverage you deserve at a price you can afford.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Washington. Insurify analyzed the latest data for the five most populous cities in Washington to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Washington and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.