Car insurance costs in Washington vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Geico offers the cheapest annual rates for full coverage car insurance in Washington at $1,171 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Washington. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Washington and how much you need.
- The average cost of car insurance in Washington is $1,608 a year or $134 per month, based on our data analysis.
- Minimum liability coverage in Washington costs around $438 annually for limits of 25/50/10, while liability-only coverage costs $731 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Washington, costing $1,171 per year.
- In Washington, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 51%, a DUI raising rates by 76%, and an at-fault accident by up to 41%.
How much is car insurance in Washington?
CarInsurance.com data found that drivers in Washington pay $134 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Washington based on driver profile:
- Teen drivers in Washington pay the most — about $437 a month or $5,244 a year.
- Young drivers in their 20s pay an average of $207 monthly or $2,481 annually, for car insurance.
- Senior drivers pay around $141 monthly or $1,693 a year.
- A speeding ticket can increase your rates to $191 monthly or $2,297 annually.
- An at-fault accident increases car insurance rates to $206 a month or $2,476 a year.
Average cost of auto insurance in Washington by coverage level
Car insurance costs in Washington can differ based on the coverage limit. To legally drive, Washington residents must adhere to the minimum liability limits of 25/50/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Washington for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $438 |
| Liability Only – 50/100/50 BI/PD | $61 | $731 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $134 | $1,608 |
State minimum car insurance in Washington
In Washington, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $10,000 of property damage liability.
The state minimum coverage in Washington costs $438 a year but doesn’t provide much protection for drivers. Washington drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Washington must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Washington
According to CarInsurance.com data, liability-only car insurance costs $731 in Washington for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Washington
The average annual premium in Washington is $1,608 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Washington
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Washington have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Washington
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Washington by car model
Washington car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Washington.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Washington
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Washington drivers aged 30 to 60 have the lowest average auto insurance rates at $1,583 annually.
Drivers aged 16-19 pay $3,661 more for car insurance than Washington drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,244 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,376 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,583 annually in Washington.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,693 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Washington
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Washington, a DUI conviction lead to increased rates and you may see a rate hike of up to 76% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Washington, you’ll likely see an increase in your car insurance premium by up to 51% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Washington after driving incidents:
- Speeding ticket: Up to 51% increase
- DUI conviction: 76% increase
- At-fault accident (bodily injury and property damage): 41% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Washington for high-risk drivers
In Washington, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Washington
In Washington, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Washington by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Washington and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $296 | $473 | $1,171 |
| PEMCO | $158 | $351 | $1,326 |
| Travelers | $398 | $713 | $1,503 |
| Nationwide | $496 | $792 | $1,658 |
| Farmers | $450 | $868 | $1,714 |
| American Family | $709 | $1,109 | $1,750 |
| Allstate | $639 | $927 | $1,766 |
| State Farm | $410 | $741 | $1,794 |
| Progressive | $595 | $947 | $2,554 |
| USAA | $226 | $387 | $853 |
Car insurance rates by city in Washington
Tukwila is the priciest city in Washington for car insurance, costing an average of $2,085 annually. On the other hand, Malden is the most affordable city, where drivers pay an average of $1,331 per year for car insurance.
Car insurance premiums differ across cities in Washington and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Washington.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Washington per month?
In Washington, a full coverage car insurance policy with 100/300/100 limits typically costs about $134 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $61 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $134 |
Final thoughts on choosing car insurance in Washington
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Washington. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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