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

The Zebra
Oct. 11, 2018

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

Your car insurance costs are affected by factors aside from location. Auto insurance premiums price based on myriad factors, such as one's credit score, driving record, age, gender, and marital status.

We reviewed average Washington auto insurance rates by all of the significant rating components. Read on to see how much car insurance costs in your location — or enter your zip code to view unique rates from top auto insurance companies.


Mean Auto Insurance Premiums in Washington by Age

It's a common phenomenon: as you age, your auto insurance expenditures change. As a general rule, car insurance is more expensive for young drivers and teens, as car insurers consider inexperienced drivers as less responsible.

In Washington, auto insurance costs $6,301 each year for a 16-year-old motorist, and only $999 annually for a client between 50 and 59 years of age.


WASHINGTON CAR INSURANCE PRICES BY AGE
Age Average Yearly Premium
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



Average Auto Insurance Outlays in Washington by Gender

While gender does not have as significant an effect on auto insurance costs as location or experience level, it is employed as a rating factor. Men pay less than do women for auto insurance in Washington, but the discrepancy is only $18.05 per year.

WASHINGTON CAR INSURANCE RATES FOR MEN AND WOMEN
Gender Average Yearly Cost
Male $1,133.30
Female $1,151.35



Mean Car Insurance Rates in Washington by Marital Status

One pro of nuptials — in addition to the honeymoon — is the better deal you may get on insurance. In the state of Washington, married drivers save $49 each year on car insurance. This is less than the national savings of $76.


WASHINGTON AUTO INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,133.30
Married $1,084.32
Divorced $1,133.30
Widowed $1,114.34



Average Car Insurance Prices in Washington by Credit History

Car insurers use credit score as a way of determining how reliable a client will be. Data trends show motorists who maintain solid credit are more reliable car insurance clients: they less commonly file claims insurance companies are compelled to cover.

In Washington, a driver who holds excellent credit saves $1,195.44 each year on car insurance rates, versus a driver with a poor credit rating. Learn more about how credit may impact auto insurance premiums:


WASHINGTON CAR INSURANCE PRICES BY CREDIT SCORE
Credit Score Average Annual Rate
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



Median Auto Insurance Costs for Bad Drivers in Washington

If you’re determined to be at fault after an accident or convicted of a driving infraction, your insurance premiums are going to climb. The more violations you accrue, the pricier your car insurance policy gets.

In Washington, your first minor at-fault incident will cost $326.07 each year in car insurance payments. A DWI — thought of as one of the most serious driving offenses — will increase your insurance rates in Washington by an average of $520.40.


WASHINGTON CAR INSURANCE PREMIUMS AFTER VIOLATIONS
Age Average 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 tired of dealing with expensive car insurance, consider shopping around to find cheap coverage that meets state regulations.


Compare rates from Washington's top insurance companies!

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