When it comes to estimating the cost of car insurance in Washington, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.

CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Washington at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.

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Washington Car Insurance Calculator

Get an estimate for your car insurance costs based on your ZIP & driver profile.
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Why we ask?
Rates can vary from 54% less than the national average to 441% more for different ZIP codes.
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Are you currently insured?
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Do you own a car?
Why we ask?
* If you own a vehicle you can choose your coverages and limits. However, leasing and financing companies require you carry comprehensive and collision coverage, plus leased vehicles must carry higher liability limits.
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What is your age?
Why we ask?
* Car insurance rates vary by age. This helps us give you a better estimate. Estimates can vary from being 22% less than the national average to being 77% more than it, based on the age group.
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Are you a homeowner?
Why we ask?
* Being a homeowner may reduce your auto insurance rates, and if you bundle your auto and home policies with the same insurance company, you can save up to 12%.
YOUR ESTIMATED CAR INSURANCE PLANS
for ZIP , , Car , Age
Unfortunately, we're unable to provide insurance rates for the requested ZIP code. However, we can offer you the insurance rates for a nearby ZIP .
State Minimum
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Bodily Injury
$25k/$50K
Property Damage
$15k
Collision
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Comprehensive
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BEST PRICE
Standard Liability
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Bodily Injury
$50k/$100K
Property Damage
$50k
Collision
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Comprehensive
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RECOMMENDED
BEST PROTECTION
79 percent of insured drivers preferred
Full Coverage
---*/MO.
Bodily Injury
$100k/$300K
Property Damage
$100k
Collision
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Comprehensive
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* In the table above for State Minimum Protection, we are showing only BI and PD for minimum requirements but that the rate shown in State Minimum Protection includes all coverage your state requires. You can find more details about your state here at Minimum Requirements by States. "State minimum" and "Standard Liability" policies are typically minimum or low-limit policies, providing bare-bones coverage. While these policies have lower rates, we recommend higher limits to ensure sufficient coverage should an accident or vehicle damage occur. "Full Coverage" policies will provide better coverage for you and your vehicle, as they have higher liability limits, plus include coverage for your vehicle through collision and comprehensive insurance. These policies offer the most financial protection should you have to file a claim.
Key Highlights
  • Car insurance calculator is a valuable tool in estimating the cost of car insurance in Washington.
  • The average annual cost of a full coverage policy in Washington with liability limits of 100/300/100 is $1,608 or $134 per month.
  • The minimum liability coverage in Washington costs around $438 per year, based on CarInsurance.com’s data analysis.
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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Car insurance calculator Washington: How to get auto insurance estimates

CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.

Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.

What factors affect car insurance estimates in Washington?

Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.

On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.

Learn more: The 10 most important factors that affect car insurance rates

Calculate new car insurance rates in Washington by car model

Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.

Vehicle typeAverage annual rates
Convertible$2,187
Electric$2,170
Hatchback$1,765
Hybrid$1,896
Luxury Car$2,472
Luxury SUV$2,025
Minivan$1,634
Performance SUV$2,297
Sedan$1,850
Sports Car$2,534
Station Wagon$1,891
SUV$1,620
Truck$1,780
Van$1,549

“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”

Find out your estimated car insurance rates in Washington by using the calculator below based on your vehicle’s make and model.

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Insurance Rates by Car Model

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Washington car insurance estimates for used cars

Car insurance estimates for used cars in Washington are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Washington.

Use the car insurance calculator below to estimate your rates in Washington for used cars by make and model.

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Average INSURANCE RATES for your USED CAR

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FAQ: How to estimate car insurance rates before buying a car in Washington

How much auto insurance do I need in Washington?

The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.

Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.

RequirementsCoverage limits
Minimum bodily injury liability$25,000 per person, $50,000 per accident
Minimum property damage liability$10,000 per accident

Check out our detailed guide on how much car insurance you need

How much does car insurance cost in Washington per month?

In Washington, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $134 a month. On the other hand, state minimum coverage costs $36 and liability policy with limits 50/100/50 is $61 monthly.

Does your age impact how much you pay for insurance in Washington?

Young drivers in Washington typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.

In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.

Explore our comprehensive guide on average car insurance rates by age

Resources & Methodology

Methodology

CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.

We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.