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Last updated: May 13, 2024

Average Cost of Car Insurance in Washington

How much is car insurance in Washington state?

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Washington, the Evergreen State, is known for its beautiful coastlines and dense forests. Between life in major urban centers like Seattle, its suburbs, and the great outdoors, a car is often a necessity. As one of the many expenses to consider when owning a vehicle, car insurance is an important decision to factor into your expenses. Whether it is for you, a family member, or a friend, we want to help you feel confident in the choices you consider.

Follow along as we break down the information you need to protect yourself, your car, and, most importantly, your wallet.

Washington Car Insurance Rates on Average

Across all demographics, the average cost of full coverage car insurance in the state of Washington in 2024 is $1,452 per year, which breaks down to about $121 per month. Washington is not immune to rising cost of insurance across the country. It is expected that 2024 insurance rates will see a spike of close to 24%.1

Let’s take a look at the costs across different demographics.

By Age

Teen drivers face the highest auto insurance rates in every state. In Washington, the average annual cost of full coverage for drivers age 16 to 19 is $4,294, compared to an average of $2,755 for drivers in their 20s. The cheapest age demographic are individuals in their 60s, but the largest drops in price occur for 19-year-olds and individuals in their 30s.

Age Average annual cost of car insurance
16 $4,420
17 $4,719
18 $4,930
19 $3,109
20s $2,755
30s $1,506
40s $1,424
50s $1,321
60s $1,161
70s $1,471

By Gender

Men pay more for car insurance in most states, and Washington is no different. On average, men will pay about $70, or 5 percent, more per year than women.

Gender Average annual cost of car insurance
Male $1,495
Female $1,422

By City

The town or city you live in can also impact the price of car insurance. In the major towns listed below, the average cost differs by only about 2 percent, but residents of Spokane will be happy to see that they can save close to $300 compared to other areas.

City Average annual cost of car insurance
Bellevue $1,211
Everett $1,161
Kent $1,282
Renton $1,283
Seattle $1,271
Spokane $975
Tacoma $1,244
Vancouver $1,094

By Coverage Level

By law, Washington requires that individuals have minimum insurance coverage. Still, most experts recommend full coverage. The difference on average is around $875 annually (less than $75 monthly), but going with the minimum could prove costly if you’re found to be at fault for an accident.

Coverage level Average annual cost of car insurance
Minimum $577
Full $1,452

By Credit Score

The good news: Unlike many other states, there is not much difference in the price of car insurance for Washington drivers with poor or average credit compared to those with good or excellent credit. Prices are nearly the same across all credit score ranges.

Credit score Average annual cost of car insurance
Poor $1,173
Average $1,131
Good $1,120
Excellent $1,103

By Driving History

Unlike credit score, drivers with a checkered driving record will notice a sharp spike in their auto insurance rates, especially those with an at-fault accident or DUI. A speeding ticket in Washington will increase your premium nearly 20 percent on average.

Driving history Average annual cost of car insurance
Clean driving record $1,240
Speeding ticket $1,481
Accident $1,951
DUI $2,224

By Company

Given that there is a diverse market for insurance, prices vary widely by company. In Washington, drivers can expect to find the cheapest car insurance rates from Travelers and Geico.


Best Auto Insurance in Washington State

Company Average annual cost of car insurance
Allstate $1,330
GEICO $994
Progressive $1,480
State Farm $943
Travelers $909
USAA $996

Cheap Car Insurance Cost in Washington

Looking for cheap car insurance in Washington? These companies have the lowest rates for different demographics.

Demographic Cheapest company Average annual cost of car insurance
Male State Farm $1,437
Female State Farm $1,384
Male teens Pemco $4,516
Female teens Pemco $3,125
Military members USAA $996
Veterans USAA $996
Full coverage USAA $996
Minimum coverage USAA $312
After an accident State Farm $1,224
After a DUI GEICO $1,884
16 years old Pemco $2,940
17 years old Pemco $2,750
18 years old Pemco $2,599

How to Save on Car Insurance in Washington

Aside from the usual ways of lowering auto insurance costs, such as raising your deductible, reducing your limits, getting discounts, and dropping coverages, you can lower your car insurance premium by considering the type of vehicle you own and how often you drive.

Insurance companies will take into account the make and model of your vehicle. For example, the average annual cost of insurance for a Honda Odyssey is $1,200, compared to a BMW 330i, which is $1,752. Traditionally safe vehicles, like minivans, will cost less to insure than luxury and sports cars.


Purchasing a used car is a great way to save money both on your loan payments and insurance. For additional guidance, take a look at our used car buying guide.

Additionally, Metromile, Allstate, and Nationwide sell pay-per-mile insurance in Washington state. With pay-per-mile, the less you drive, the lower your insurance bill. It’s a good option to consider if you drive fewer than 600 miles monthly.

Minimum Car Insurance in Washington

Washington’s required minimum coverage for car insurance is similar to that of other states. It consists of three essential components, sometimes referred to as 25/50/10:

  • Bodily injury (BI) liability of $25,000 per person
  • BI liability of $50,000 per accident
  • Property damage (PD) liability of $10,000 per accident

This coverage is comparable to that of other states, but we recommend getting full coverage to pay for any property damage from collisions and other events.

Fault Law in Washington

Washington is a fault state, also known as a “tort state.” Unlike a no-fault state, when someone causes an accident in a fault state, their insurance assumes primary responsibility for the victim’s injuries.

Washington motorists are not obligated to possess personal injury protection (PIP) coverage, yet insurance providers must present a minimum of $10,000 in PIP coverage with each auto insurance policy they provide. Opting out of this coverage requires a written declaration. Because of this, many Washington drivers inadvertently possess some level of PIP coverage.

SR-22s in Washington

Washington requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit-and-run, and DUI, among other major offenses.

An SR-22 in Washington serves as proof that a high-risk driver meets the state’s legal car insurance requirements. Typically, there’s a filing fee of $15 to $25 for your insurance provider to submit your SR-22 documentation to the state.

According to Washington law, you must maintain your SR-22 with the state’s licensing agency for three years. Should your insurance coverage lapse during this period, your insurer is obligated to notify the state authorities. In such instances, your SR-22 duration restarts, and you must once again cover any associated fees.

Alternatives to Car Insurance

Washington does offer an alternative method to satisfy the Motor Vehicle Safety Responsibility Law. Instead of opting for auto insurance, drivers can choose to put up a $60,000 liability bond for damages incurred while driving.2 This, however, is not recommended because it does not provide any protection if you get into an accident.


Washington state’s car insurance rates are comparable to, and often lower than, the national average. There are plenty of ways to save money on car insurance. Among these are the common practices of exhibiting safe driving, maintaining a solid credit score, and shopping around by comparing quotes from various auto insurance companies. That you’ve taken the time to read this article is a sign you are on the right path to saving!

We will leave you with the common advice to never accept a first offer. It’s always a good idea to shop the market, as companies offer different discounts for different qualifications and demographics. We recommend getting quotes from at least three companies. When you do, ensure each quote has the same limits and coverages so that you’re comparing apples to apples. Finding the best deals on auto insurance is always worth a little extra legwork.


For more than 20 years, has provided consumers with data and knowledge they can trust. We strive to provide the most comprehensive and dissected information so that you can trust your financial decisions. We use this data, along with state-specific data from multiple sources, fault law and SR 22 specifics, and demographic trends, to paint as clear and detailed a picture of insurance trends that we can.

Frequently Asked Questions

Which company has the best auto insurance in Washington?

Two of the best auto insurers in Washington are Chubb and USAA. Keep in mind, however, that Chubb is among the pricier options available, and that USAA is available only to active-duty military members, veterans, and their families. State Farm and Pemco are also excellent, affordable options.

Why are the rates higher in urban areas like Seattle and Olympia?

Car insurance rates tend to be higher in urban areas like Seattle and Olympia due to the greater incidence of accidents. Factors such as traffic congestion, collision frequency, and population density all contribute to higher rates. Additionally, urban areas see a higher volume of insurance claims, which indicates higher risk and causes prices to rise.

Do you legally have to have car insurance in Washington state?

Yes. In Washington state, you must have car insurance or demonstrate proof of financial responsibility (for example, in the form of a liability bond) in the event of an accident. Failure to show proof of insurance is a traffic infraction and can lead to a fine of at least $450. If you give fake proof of insurance, it’s a misdemeanor, which is a more serious offense.


  1. Both hands on the wheel, Washington drivers. Your insurance rates are about to jump 24%. KUOW. (2024, Feb 8).

  2. Mandatory insurance. Washington State Department of Licensing. (2024).