Car Insurance in Washington
- Cal Casualty offers the cheapest liability coverage at $42/mo
- Oregon Mutual offers the cheapest full coverage auto insurance at $128/mo
Enter your ZIP code to start your search for Washington car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Washington at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Car insurance quotes in Washington
Cheapest liability coverage in WA
- Cal Casualty offers the cheapest liability coverage in Washington at $42/mo.
Cheapest full coverage in WA
- Oregon Mutual offers the cheapest full coverage in Washington at $128/mo.
Best customer service in WA
- State Farm scored 648 (3.0% above average) in JD Power's latest study — the highest in Washington.[3]
Cheap liability insurance in Washington
The average cost for liability insurance in Washington is $461 for a 6-month policy.[1] For our user profile, Cal Casualty offers the most affordable liability insurance options in the state.
According to our data, 41% of Washington drivers carry only the state-required liability coverage.[2] In Washington, the law mandates minimum liability limits of 25/50/10, representing bodily injury coverage per person, bodily injury per accident, and property damage coverage. Learn more about car insurance requirements in the state of Washington with our helpful guide.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cal Casualty | $252 | $42 |
| USAA | $281 | $47 |
| Progressive | $323 | $54 |
| Oregon Mutual | $335 | $56 |
| GEICO | $383 | $64 |
| Travelers | $411 | $68 |
| Farmers | $442 | $74 |
| State Farm | $449 | $75 |
| Nationwide | $472 | $79 |
| Encompass | $729 | $122 |
| Allstate | $734 | $122 |
| American Family | $772 | $129 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
If you’re in Washington, having car insurance isn’t just about staying legal, it’s about protecting your ability to drive. Under state law, if you’re involved in an accident and can’t prove you have insurance or the financial means to cover the damages, your license and registration can be suspended.[4]
To get back on the road, you may be required to file an SR-22 (a form of high-risk insurance) for several years. This rule applies even if insurance wasn’t strictly required beforehand—making it a strong incentive to stay covered.
Renata Balasco — insurance writer and senior content specialist at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $281 | $904 |
| Travelers | $411 | $945 |
| State Farm | $449 | $1,132 |
| Progressive | $323 | $914 |
| Oregon Mutual | $335 | $769 |
| Nationwide | $472 | $1,244 |
| MetLife | $720 | $1,822 |
| Grange | $268 | $891 |
| GEICO | $383 | $1,122 |
| Farmers | $442 | $1,032 |
| Encompass | $729 | $1,662 |
| Chubb | $378 | $1,049 |
| Cal Casualty | $252 | $906 |
| American Family | $772 | $1,793 |
| Allstate | $734 | $1,579 |
Source: The Zebra
Cheapest full coverage insurance in Washington
In 2026, the average cost of full coverage insurance in Washington is $1,182 for a six-month policy. Full coverage is a popular choice here, with 59% of The Zebra’s Washington customers opting for quotes that offer this more comprehensive protection.[2]
While this is substantially more than liability-only car insurance in Washington, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Oregon Mutual | $769 | $128 |
| USAA | $904 | $151 |
| Cal Casualty | $906 | $151 |
| Progressive | $914 | $152 |
| Travelers | $945 | $157 |
| Farmers | $1,032 | $172 |
| GEICO | $1,122 | $187 |
| State Farm | $1,132 | $189 |
| Nationwide | $1,244 | $207 |
| Allstate | $1,579 | $263 |
| Encompass | $1,662 | $277 |
| American Family | $1,793 | $299 |
Source: The Zebra
Local insights
Drivers near you in Washington weigh in
"I pay $140/month for full coverage through Progressive, I drive a 2014 Hyundai in Washington state. No accidents. I used to pay $90/month after having the snapshot but it's creeped up every renewal period since."
- Reddit user r/washington
"We have a 2017 Highlander, 2023 Tundra and 2025 mini and pay $650 (thank you new teen driver). We also have State Farm and they’re generally reasonable."
-Reddit user r/washington
Compare car insurance rates from the best companies in Washington.
What are the best car insurance companies in Washington?
We’ve named State Farm as Washington's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Washington cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. Have a look at the table below to see average car insurance costs in some of Washington's biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Real people. Real help. Right here.
Our in-house pros make insurance easier.
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Washington auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Washington. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Washington insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Washington car insurance laws for high-risk drivers
For high-risk drivers in Washington with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Washington's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Washington DUI laws
In Washington, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Washington
If you're convicted of a DUI or DWI violation in Washington, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Washington.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $1,072 | $179 |
| Progressive | $1,130 | $188 |
| Oregon Mutual | $1,157 | $193 |
| Farmers | $1,292 | $215 |
| Travelers | $1,360 | $227 |
| USAA | $1,553 | $259 |
| State Farm | $1,713 | $286 |
| Cal Casualty | $1,886 | $314 |
| GEICO | $1,931 | $322 |
| Allstate | $2,035 | $339 |
| Nationwide | $3,166 | $528 |
| Encompass | $6,572 | $1,095 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Washington SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Washington to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Washington might require some research, but it could pay off in the end.
How to acquire an SR-22 in Washington
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and request that they file an SR-22 form on your behalf. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Washington in minutes!
How have car insurance costs in Washington changed?
Washington’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Washington |
|---|---|
| 2026 | $2,365 |
| 2025 | $2,284 |
| 2024 | $1,859 |
| 2023 | $1,382 |
| 2022 | $1,819 |
| 2021 | $1,224 |
| 2020 | $1,209 |
| 2019 | $1,360 |
| 2018 | $1,256 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Washington car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Washington auto insurance.
Save money on your next car insurance policy!
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
-
Washington State Department of Licensing. Financial Responsibility Laws
RECENT QUESTIONS ABOUT CAR INSURANCE IN WA
Should I add a property manager as an additional insured?
What discounts does Progressive offer?
Why did my car insurance go up when I moved to a safer area?
Can my brother in law use my car for a week?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
