Cheap Full-Coverage Car Insurance in Washington (2026)
Washington drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $115 per month.
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Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Quick Facts
The average cost of full-coverage car insurance in Washington is $2,202 per year.
Full-coverage car insurance in Washington is slightly lower than the national average of $187 per month.
Washington experiences wildfires, flooding, and icy winter roads, which might increase overall rates.
Cheapest full-coverage car insurance in Washington
On average, full coverage in Washington costs $184 per month. State Farm offers the cheapest full coverage in the state, averaging $115 per month.
The following table shows the cheapest full-coverage car insurance quotes in Washington.
The below rates in Washington are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $115 |
| USAA | $118 |
| Root | $146 |
| GEICO | $148 |
| Progressive | $149 |
| Safeco | $150 |
| National General | $160 |
| Allstate | $168 |
| Direct Auto | $170 |
| American Family | $174 |
| The General | $186 |
| Chubb | $194 |
| Farmers | $203 |
| Travelers | $237 |
| Liberty Mutual | $251 |
| Bristol West | $270 |
| Dairyland | $278 |
Disclaimer: Table data sourced from real-time Washington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Washington may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Washington?
The average cost of full-coverage car insurance in Washington is $184 per month, slightly lower than the national average of $187.
While Washington is exposed to severe weather events, including flooding, wildfires, and windstorms, it generally experiences fewer billion-dollar weather disasters than states like Texas or Florida.[1]
Exposure to frequent and severe weather events can lead to more vehicle damage and insurance claims, and contribute to rising auto insurance premiums, according to the National Association of Insurance Commissioners.
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Full-coverage policies average $184/mo.
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How to find cheap full-coverage car insurance in Washington
Here are some shopping tips to help lower the cost of your full-coverage car insurance policy in Washington:
Drive less. The number of miles you drive each year can influence your car insurance costs. If you live in an urban area like Seattle, Spokane, or Vancouver, consider using public transit, biking, or walking to reduce your miles. You can also ask your insurer about a low-mileage discount.
Improve your credit. Washington allows insurance companies to consider your credit history as one factor when calculating your insurance premiums. Drivers with good credit may qualify for lower car insurance premiums than drivers with poor credit.
Ask about discounts. If you’re a student attending Washington State or the University of Washington, ask about a good student discount. If you’re a driver age 55 or older, you might qualify for a senior driver discount when you complete a state-approved defensive driving course.
Bundle insurance. Many insurance companies offer a discount if you buy two or more insurance policies. For example, see if you can bundle your auto coverage with homeowners, renters, or life insurance coverage.
Practice safe driving. Your driving history is one of the factors insurers review when calculating your rates. A clean driving record can result in lower premiums. A record with speeding tickets, at-fault accidents, or a conviction for driving under the influence (DUI) can raise your premiums.
Compare multiple quotes. Insurance rates can vary between companies, so it’s a good idea to shop around and compare quotes from multiple Washington insurance companies before you make a decision.
What full-coverage car insurance covers
Full-coverage insurance isn’t a specific policy. Full coverage is a combination of different types of coverage. In Washington, it typically includes liability, collision, and comprehensive coverage.
Liability coverage
Your liability coverage helps cover the cost of damage or injuries to another person caused by an accident you cause. It doesn’t cover damage to your own vehicle.
Collision coverage
Collision insurance covers the cost of damage to your vehicle, regardless of who caused the accident.
Comprehensive coverage
Comprehensive insurance covers the cost of repairing or replacing your vehicle if it’s damaged by a non-collision event, such as a windstorm, flooding, or vandalism.
Car insurance requirements in Washington
Washington law requires all drivers to carry liability insurance. Here are the state’s minimum coverage requirements:[2]
Bodily injury liability: You need to carry $25,000 in bodily injury coverage per person and $50,000 per accident. This helps cover the cost of injuries that you cause to another person.
Property damage liability: You’ll also need to have at least $10,000 per accident in property damage liability. This helps cover the cost of damages that you cause to another person’s vehicle or property.
Washington doesn’t require personal injury protection or uninsured/underinsured motorist coverage, but insurers must offer them to drivers. That said, insurance professionals recommend that you purchase higher liability limits to ensure you’re properly protected.
For example, if you cause a multi-car accident in Washington, the cost to cover injuries or damages can quickly exceed the state’s minimum liability limits. This could leave you responsible for covering the remaining costs out of pocket. If a crash damages your vehicle, liability insurance won’t pay for the damages.
Minimum vs. full-coverage car insurance in Washington
It’s illegal to drive without minimum liability coverage in Washington. Full-coverage auto insurance is optional, unless you finance or lease your vehicle and your lender or lessor requires it.
Minimum-liability insurance helps cover costs if you cause injuries or property damage, but it doesn’t cover your own vehicle damage. With Washington’s exposure to wildfires, flooding, and icy winter roads, you may want to consider a full-coverage policy to provide more protection for your vehicle.
The following table shows how full-coverage insurance compares to liability-only coverage in Washington.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Washington | $95 | $184 |
| Required by Washington law? | Yes | No |
| Covers damage to your own car? | No | Yes |
| Covers damage to other cars? | Yes | Yes |
| Covers theft of your car? | No | Yes |
| Covers vandalism, fire, flooding, failing objects, animal collisions? | No | Yes |
| Required if you finance/lease your vehicle? | Yes (required by state law) | Yes (typically required by lenders/lessors) |
Disclaimer: Table data is based on real-time Washington quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Washington?
Whether full-coverage car insurance is worth it for you in Washington depends on factors like where you live, the value of your car, your budget, and your risk tolerance.
If you drive a new, high-value car and live in a densely populated city like Seattle, you might decide full-coverage car insurance is worth it. But if you own an older car that isn’t worth much and live in a less densely populated area like Longview, you may not feel that full coverage is worth it financially.[3]
For context, Seattle saw 33 fatalities from traffic crashes in 2025, compared to three traffic fatalities in Longview.[4] Full-coverage insurance can pay for damage to your vehicle, so it may offer more value if you have a higher-cost vehicle.
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Pros and cons of full-coverage car insurance in Washington
Pros
Protects your vehicle in an at-fault crash
Protects your vehicle from theft, severe weather, and other covered events
Can prevent you from paying out of pocket
Cons
More expensive than minimum coverage
Might not be worth the cost for an older, low-value vehicle
You may have to pay collision and comprehensive deductibles
Full-coverage car insurance in Washington FAQs
Full-coverage car insurance in Washington provides more protection than minimum-liability coverage, but it also comes with a higher premium. Here’s more information about full coverage in the Evergreen State to help you decide if it’s worth it for you.
What is the cheapest full-coverage car insurance in Washington?
State Farm offers the cheapest full-coverage car insurance in Washington, at an average of $115 per month, according to Insurify data.
What companies offer the best rates for full-coverage car insurance in Washington?
Car insurance rates vary by company, so comparing several companies can help you find the best rates for full coverage in Washington. That said, Washington drivers can find the most affordable rates with companies like State Farm, USAA, and Root, according to Insurify data.
What is the average cost of car insurance per month in Washington state?
The average cost of car insurance in Washington is $139 per month. Rates can vary based on many factors, including your age, credit history, driving record, and coverage choices. Your location matters, too: Drivers in Kennewick pay lower average rates than drivers in Tacoma, according to Insurify data.
Sources
- National Centers for Environmental Information (NCEI). "Billion-Dollar Weather and Climate Disasters."
- Washington State Department of Licensing. "Mandatory insurance."
- U.S. Census Bureau. "What's New & FAQs QuickFacts Longview city, Washington; Washington; Seattle city, Washington; United States."
- Washington Traffic Safety Commission. "Traffic Fatalities Dashboard."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Non-Owner Car Insurance in Washington
Non-owner car insurance in Washington provides liability coverage for drivers who don’t own a vehicle.
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Is Car Insurance Expensive in Washington?
Washington drivers pay slightly less than the national average for car insurance. See how rates compare, how rates vary between cities, and how to pay less.
Average Car Insurance Cost in Washington, D.C.
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Cheapest Car Insurance Quotes in Washington
State Farm offers the cheapest car insurance rates in Washington, at $58 per month for a liability policy. Get an auto insurance quote in seconds and find out how much you can save.
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Cheapest Auto Insurance in Kennewick, Washington
State Farm offers the cheapest car insurance in Kennewick, with minimum-coverage policies as low as $51 per month.
)
Cheapest Car Insurance Quotes in Seattle (October 2026)
State Farm is the cheapest insurer in Seattle, with an average liability-only rate of $69 per month. Seattle’s high vehicle theft rate can mean higher insurance premiums for drivers.
)
Cheap Car Insurance Quotes in Spokane, Washington (October 2026)
State Farm offers the cheapest liability-only car insurance in Spokane, at $52 per month. A shorter commute and lower vehicle theft rates help keep Spokane rates below the Washington state average.
Cheapest Auto Insurance in Tacoma, Washington
State Farm offers the cheapest car insurance in Tacoma, with an average monthly liability rate of $72.
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Cheapest Auto Insurance in Vancouver, Washington
The cheapest car insurance company in Vancouver, Washington, is State Farm, with monthly rates as low as $60.
Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.