Cheap Washington Car Insurance

Compare the best rates from 13 car insurance companies in Washington.

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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.

Cheap Car Insurance

It's cheap to get car insurance in Washington!

Whoa! Washington is one of the cheapest states for car insurance. Let's see how much you'll save!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Washington might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Washington?
Rank Company Name Avg. Annual Premium
1 Capital $769
2 Grange $830
3 Nationwide $971
4 PEMCO $984
5 Travelers $1,018
6 Mutual Enumclaw $1,044
7 The Hartford $1,069
8 USAA $1,071
9 Cal Casualty $1,094
10 Chubb $1,105
11 Allied $1,120
12 State Farm $1,153
13 American Family $1,184
14 Safeco $1,204
15 Amica $1,231
16 Liberty Mutual $1,283
17 Farmers $1,342
18 Progressive $1,495
19 National General $1,510
20 MetLife $1,664
21 GEICO $1,690
22 Allstate $1,936
23 Encompass $2,215
24 Bristol West $2,300
25 Sentry $4,017

Cheap 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%.

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

Cheap 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 Car 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%

Car Insurance Laws

State minimum insurance requirements in Washington

In Washington, the state minimum coverage requirement is liability 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

Liability coverage is legally required in Washington and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Washington, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Washington but higher coverage amounts are available with most companies.

Cheap Washington Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Washington.

Car Insurance FAQs

Are digital insurance cards accepted in Washington?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Washington you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Washington?

Uninsured Drivers in Washington




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Bellingham, Washington, and the most expensive in Tacoma, Washington.

Rank City Avg. Annual Premium
1 Tacoma $1,413
2 Federal Way $1,407
3 Lakewood $1,406
4 Auburn $1,394
5 Seattle $1,377
6 Renton $1,375
7 Kent $1,364
8 Shoreline $1,339
9 South Hill $1,327
10 Everett $1,263
11 Marysville $1,233
12 Bellevue $1,231
13 Redmond $1,226
14 Kirkland $1,219
15 Sammamish $1,208
16 Vancouver $1,169
17 Lacey $1,100
18 Olympia $1,094
19 Spokane $1,082
20 Spokane Valley $1,076
21 Yakima $1,047
22 Kennewick $1,021
23 Pasco $1,008
24 Richland $1,003
25 Bellingham $997

Recent Washington Car Insurance Questions and Answers

Cheapest car for 16 year old male

May 19, 2018

What would the cheapest insurance be for me? I’m a 16 year old male, decent grades, mostly A’s and B’s. ...

What happens if I lie to my insurance company?

Apr 12, 2018

Can my insurance drop my claim entirely and cancel my policy for a false claim after I admitted the actual ...

Can I pause my insurance while I’m away for work?

Mar 06, 2018

I currently live in San Jose but this summer I will be traveling to Seattle for a job for two ...

Should I just file a claim or pay for damages?

Feb 26, 2018

I was backing out of a tight spot, was looking behind me and banged my front left fender hard on ...

Driving Laws

Washington Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers with Learner or Intermediate Licenses
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Washington
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

Washington Car Insurance

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Washington Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Washington area, while also getting an insider view of the Evergreen State.

Click here to learn more.


So, Washington students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.