What's the Average Cost of Auto Insurance in Washington?

The Zebra
Feb. 8, 2019

Car insurance is affordable in Washington. The average car insurance rate in Washington is $1,160 per year — 18.7% less than the national average.

But auto insurance premiums are affected by more than just the state in which you live. Auto insurance rates consider a number of details, including one's age, gender, marital status, credit, and driving history.

We analyzed average Washington car insurance rates by all of the most common rating factors. Read on to see how much auto insurance runs in each US state — or enter your zip to view unique rates from popular car insurance companies.


Compare rates from Washington's top insurance companies!

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Average Washington car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Prices in Washington by Age

It's a common phenomenon: as you age, your auto insurance prices shift. Generally, car insurance is more expensive for young drivers, as car insurers see inexperienced motorists as riskier.

In Washington, auto insurance costs $6,301 each year for a 16-year-old driver, but just $999 per year for a driver in their 50s.


WASHINGTON CAR INSURANCE RATES BY AGE BRACKET
AgeAverage Yearly Rate
16$6,301.42
17$4,893.49
18$4,157.56
19$2,716.21
20s$1,511.22
30s$1,112.68
40s$1,057.87
50s$998.70
60s$1,024.50
70s$1,283.54

If you're shopping for car insurance for a teen driver, Washington is the 27th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Prices in Washington by Gender

While gender does not carry as large an impact on auto insurance rates as location or age, it is used as a rating factor by insurers.


WASHINGTON AUTO INSURANCE RATES FOR WOMEN AND MEN
GenderAverage Yearly Rate
Male$1,133.30
Female$1,151.35

If you're worried you aren't getting the best possible value for your money with your current auto insurance company, the best thing to do is to do some shopping.




Average Car Insurance Rates in Washington by Marital Status

One benefit of marriage — in addition to the wedding gifts — is the lower prices you tend to receive on auto insurance. In Washington, wedded drivers save $49 per year on auto insurance. This is a smaller discount than the national average of $76.


WASHINGTON AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,133.30
Married$1,084.32
Divorced$1,133.30
Widowed$1,114.34

Car insurance for divorced drivers in Washington is the 38th most expensive in the nation. If you feel like you're being overcharged for your policy, weigh your options. You never know when you'll find a great deal!




Average Car Insurance Rates in Washington by Credit

Car insurers reference credit history as a prediction of a potential customer's insurability. Historical data indicate motorists who carry exceptional credit are more dependable auto insurance customers: they less frequently file claims covered by insurance companies.

In Washington, a driver who maintains exceptional credit saves $1,195.44 per year on auto insurance rates, contrasted with a driver with a less-favorable credit history. Read more about how credit score affects car insurance premiums:


WASHINGTON CAR INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Annual Premium
Very Poor (300-579)$2,159.49
Fair (580-669)$1,758.02
Good (670-739)$1,438.24
Very Good (740-799)$1,189.34
Exceptional (800-850)$964.06

Finding affordable car insurance with a low credit score is sometimes difficult. But The Zebra is here to assist. Review our guide to getting auto insurance with bad credit and learn how to save!




Average Car Insurance Costs for Bad Drivers in Washington

If you've been found at fault in a car accident or convicted of an on-road offense, your auto insurance costs are going to climb. The more violations you amass, the more expensive your auto insurance gets.

In Washington, your first minor at-fault collision results in a penalty of $326.07 per year in auto insurance premiums. A DUI — thought of as one of the most severe driving violations — will raise your annual car insurance costs in Washington by an average of $520.40.


WASHINGTON AUTO INSURANCE COSTS AFTER TICKETS
AgeAverage Annual Premium
DUI or DWI$1,680.73
Reckless Driving$1,781.94
At-Fault Accident (<$1,000)$1,486.40
At-Fault Accident ($1,000-$2,000)$1,523.84
At-Fault Accident (>$2,000)$1,486.40
Open Container$1,664.80
Speeding (21-25 MPH > limit)$1,391.83
Speeding (16-20 MPH > limit)$1,363.56

If you're facing above-average auto insurance costs, consider getting quotes to find inexpensive coverage that suits you.




Median Auto Insurance Prices by Coverage Amount in Washington

How much you pay each month for auto insurance is dependent on the tier of coverage you elect to carry. Liability-only coverage generally costs less, while lower-deductible comprehensive coverage costs more. In Washington, the cost gap between liability-only coverage and full coverage with a $500 deductible is $507.


WASHINGTON CAR INSURANCE COSTS BY COVERAGE TIER
Coverage LevelAverage Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$758
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,165
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,262
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$677
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,086
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,183
State Minimum — Liability Only$607
State Minimum — $1,000 Comprehensive/Collision$1,018
State Minimum — $500 Comprehensive/Collision$1,114

If your premiums are above-average, it's worth insurance shopping to find affordable coverage that works.