Cheap Washington Car Insurance

Find affordable auto insurance that works for you in Washington. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Washington

Across the Evergreen State, there are 174,731 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn how much auto insurance costs in Washington based on these variables. Then, submit your ZIP code above to see your top insurance quotes so you can hit the road knowing you have the best value insurance for your vehicle.


Affordable insurance companies in Washington

What's the cheapest car insurance in Washington?
Rank Company Name Avg. Annual Premium
1 USAA $1,001
2 Travelers $1,018
3 PEMCO $1,035
4 State Farm $1,158
5 Grange $1,205
6 American Family $1,397
7 Progressive $1,405
8 Bristol West $1,916
9 Safeco $2,283

Compare quotes from dozens of insurance providers that offer coverage throughout Washington. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Washington

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Unfortunately, Washington state drivers without a recent at-fault accident save only 23% on their car insurance premiums, on average — far below the US average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Note: Washington restricted the use of credit score as a car insurance rating factor beginning in 2021. 

Rating Factor $ Savings % Savings
No Traffic Tickets $198 14.85%
No Accidents $353 23.76%
Good Credit $1,026 47.52%


Cheap auto insurance for young drivers in Washington

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Washington state, the average teen driver pays $4,056 — less than the national average for teen drivers, and approximately three times more than an older driver in Washington.

Age Annual Rate with Parents Annual Rate Alone
16 $3,934 $6,301
17 $3,638 $4,893
18 $3,606 $4,158
19 $3,201 $2,716


Cheap auto insurance for bad drivers in Washington

With a good driving record — devoid of at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 32% after a DUI, 23% after an at-fault accident, and 14% after a speeding ticket in Washington state. The post-violation penalties assessed by car insurance companies in Washington are actually lower than nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,486 23.76%
DUI $1,681 32.57%
Speeding Violation $1,331 14.85%
Bad Credit $2,159 47.52%

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Top rated car insurance companies in Washington

Each car insurance company advertises its low premiums. But just like with any product, the cheapest auto insurance isn't always the preferable idea. Considering the financial stakes, it's worth doing the research to obtain an insurance policy that covers your car completely in the unfortunate event of an incident. It's worth doing some work and finding the best value, instead of settling for the cheapest car insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 


Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Farmers Excellent Below average Excellent 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5


Washington auto insurance laws

In Washington, the state minimum coverage requirement is liability coverage, with limits of:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident

Optional coverage in Washington (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Personal Injury Protection (PIP)
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

For the legal minimum coverage in Washington, you'll owe an average of $662 yearly. This is more than the national mean by 1%. If you opt for higher-level coverage, you can select a policy with comprehensive and collision coverage, which will protect against costs incurred by car-on-car collisions, auto theft, or weather incidents. But better auto insurance coverage comes at a cost: in Washington, a comprehensive policy with a $1,000 deductible costs $1,067, 61% more than basic coverage. For comprehensive coverage with a $500 deductible, expect to pay 76% more than you would for basic liability-only coverage.

Read more about auto insurance laws in Washington State.

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How tickets change insurance rates in Washington

If you receive a ticket, your auto insurance rates will probably get more expensive. By how much depends on the violation's severity, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Washington after some common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,981 64% $776
Refused Breathalyzer/Chemical Test $1,903 58% $698
DUI $1,903 58% $698
Racing $1,788 48% $582
Reckless Driving $1,746 45% $540
Driving with a Suspended License $1,756 46% $550
At-Fault Accident $1,678 39% $473
Driving with an Open Container $1,561 30% $356
Operating a Vehicle Without Permission $1,483 23% $277
Passing a School Bus $1,577 31% $372
Improper Passing $1,502 25% $297
Following Too Closely $1,521 26% $315
Speeding $1,433 19% $228
Failure to Stop at a Red Light $1,502 25% $297
Illegal Turn $1,502 25% $297
Driving Wrong Way/Wrong Lane $1,521 26% $315
Failure to Yield $1,502 25% $297
Speeding in a School Zone $1,421 18% $216
Driving Too Slowly $1,421 18% $216
Distracted Driving $1,457 21% $252
Driving with Expired Registration $1,379 14% $173
Failure to Show Documents $1,379 14% $173
Not-at-Fault Accident $1,228 2% $22
Failure to Use Child Safety Restraint $1,272 6% $66
Failure to Wear a Seat Belt $1,272 6% $66
Driving Without Lights $1,260 5% $55


Washington car insurance FAQs

What is the cheapest car insurance in Washington state?

For our average user profile, USAA offers the cheapest rate ($500) for a six-month policy or $83 per month. If you do not qualify for USAA, Travelers is the next cheapest ($509) for a six-month policy, or $84 per month.

How much is car insurance in Washington state?

Drivers in Washington pay $582 for a six-month full coverage policy. For drivers who only want the minimum amount of coverage to remain road-legal, rates are lowered to $331 for a six-month policy.

Why is car insurance so expensive in Washington?

Premiums in Washington are 20% cheaper than the national average. If you're looking to lower your premium, use our comparison tool to view different options side-by-side.

How much does car insurance cost in Washington cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Spokane Valley, Washington, and the most expensive in Federal Way, Washington.

Rank City Avg. Annual Premium
1 Federal Way $1,695
2 Tacoma $1,692
3 Renton $1,681
4 Kent $1,675
5 Seattle $1,665
6 Everett $1,580
7 Bellevue $1,493
8 Kirkland $1,435
9 Vancouver $1,420
10 Spokane $1,320
11 Yakima $1,281
12 Spokane Valley $1,256


Recent Questions:

How do I handle an accident where the person I hit is claiming more damage than what was actually caused?

If you are filing a claim with your insurance company then the simplest solution is to provide them with pictures of the damage from the accident scene. They will investigate the accident and pay for any damage for which you are liable.
Jul 30, 2017 Kent, WA

Which insurers will cover vehicles not manufactured for sale in the US?

Your best bet would likely be to contact a local, independent agent in your area because most national insurance companies will not cover a vehicle of that type. Independent agents normally offer a multitude of insurance options and there may be a few companies willing to insure your vehicle.
Jun 22, 2017 Olympia, WA

I live in a rural area but my zip code is for a town 10 miles away. Could I get insured using my PO Box zip which is only 3 miles away?

Unfortunately, insurance companies cannot use a P.O. Box for a garaging address — the garaging address is where the vehicle is located or parked most of the time.
Jul 7, 2019 Bremerton, WA

Do I need additional insurance if I pull a trailer belonging to a different business?

The owner of the trailer would need to add you to their policy if you will be pulling their trailer regularly. If you will not be pulling it regularly, you should be covered — but I recommend you check with your specific company for policy details to make sure.
Sep 10, 2019 Snohomish, WA

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.