The cheapest car insurance in Washington costs $98 per month for a full coverage policy from Geico. That’s a $36 savings from the average cost of insurance in the state, which is $134 a month.
“Drivers looking to get the cheapest insurance premiums in Washington should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Washington including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- According to recent data, Geico offers the cheapest full coverage car insurance in Washington at $98 per month.
- Washington drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In Washington, the city of Malden has the most affordable car insurance rates at $1,331 annually.
- Comparing price quotes from multiple insurers can help you save up to 27% per year on your car insurance policy in Washington.
Which company offers the cheapest car insurance rates in Washington?
Geico has the cheapest full coverage car insurance in Washington, at an average premium of $98 per month or around $1,171 per year, based on CarInsurance.com data.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Washington.
Cheapest car insurance rates in Washington per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Geico | $98 |
| PEMCO | $111 |
| Travelers | $125 |
| Nationwide | $138 |
| Farmers | $143 |
| American Family | $146 |
| Allstate | $147 |
| State Farm | $149 |
| Progressive | $213 |
| USAA* | $71 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in Washington?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 4% less than single drivers.
- Washington drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Washington drivers in their 20s pay 61% lower rates for insurance than a 16-year-old in Washington.
- Adding a teen to your policy will cost you 77% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 3% for this state more on their premiums.
Cheapest insurers for different coverage levels in Washington
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- PEMCO is the cheapest for a state minimum policy.
- PEMCO has the cheapest rates for a liability-only policy (50/100/50).
- Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Washington.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Washington
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Washington, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Washington, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| PEMCO | $158 |
| Geico | $296 |
| Travelers | $398 |
| State Farm | $410 |
| Farmers | $450 |
| Nationwide | $496 |
| Progressive | $595 |
| Allstate | $639 |
| American Family | $709 |
| USAA* | $226 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Washington
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Washington, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| PEMCO | $351 |
| Geico | $473 |
| Travelers | $713 |
| State Farm | $741 |
| Nationwide | $792 |
| Farmers | $868 |
| Allstate | $927 |
| Progressive | $947 |
| American Family | $1,109 |
| USAA* | $387 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Washington
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Washington based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Geico | $1,171 |
| PEMCO | $1,326 |
| Travelers | $1,503 |
| Nationwide | $1,658 |
| Farmers | $1,714 |
| American Family | $1,750 |
| Allstate | $1,766 |
| State Farm | $1,794 |
| Progressive | $2,554 |
| USAA* | $853 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Washington, by driving history
Your driving history affects how much you pay for insurance in Washington because insurance companies use it to assess the risk associated with insuring a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Washington, drivers with a history of traffic violation pay an average of $680 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Washington after a speeding ticket
If you have a speeding ticket on your Washington driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,487 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,360 | $1,487 | 9% | $127 |
| Auto-Owners | $1,176 | $1,669 | 42% | $493 |
| Nationwide | $1,227 | $1,737 | 42% | $511 |
| Allstate | $1,665 | $1,815 | 9% | $151 |
| Progressive | $1,427 | $1,889 | 32% | $462 |
| Geico | $1,149 | $1,926 | 68% | $777 |
| Travelers | $1,326 | $1,931 | 46% | $605 |
| Farmers | $1,616 | $1,952 | 21% | $336 |
| American Family | $1,780 | $2,194 | 23% | $413 |
| Kemper Insurance | $1,243 | $4,770 | 284% | $3,527 |
| USAA* | $895 | $1,051 | 17% | $156 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Washington
CarInsurance.com analyzed insurance rates for Washington drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,487 . Progressive is the second-cheapest insurer at an average of $1,762 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,360 | $1,487 | 9% | $127 |
| Progressive | $1,427 | $1,762 | 23% | $335 |
| Auto-Owners | $1,176 | $1,995 | 70% | $819 |
| Geico | $1,149 | $2,002 | 74% | $853 |
| Farmers | $1,616 | $2,011 | 24% | $395 |
| Travelers | $1,326 | $2,026 | 53% | $700 |
| Allstate | $1,665 | $2,154 | 29% | $489 |
| American Family | $1,780 | $2,194 | 23% | $413 |
| Nationwide | $1,227 | $2,295 | 87% | $1,068 |
| Kemper Insurance | $1,243 | $6,338 | 410% | $5,095 |
| USAA* | $895 | $1,853 | 107% | $957 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Washington after an at-fault accident
If you’re a driver with an at-fault accident on your record, Auto-Owners is the cheapest option, offering car insurance at an average cost of $1,536 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,614 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Auto-Owners | $1,176 | $1,536 | 31% | $360 |
| State Farm | $1,360 | $1,614 | 19% | $254 |
| Kemper Insurance | $1,243 | $1,735 | 40% | $492 |
| Nationwide | $1,227 | $1,825 | 49% | $598 |
| Travelers | $1,326 | $1,862 | 40% | $536 |
| Geico | $1,149 | $1,947 | 69% | $798 |
| Farmers | $1,616 | $2,168 | 34% | $551 |
| Allstate | $1,665 | $2,338 | 40% | $673 |
| Progressive | $1,427 | $2,946 | 106% | $1,519 |
| USAA* | $895 | $1,267 | 41% | $371 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Washington have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
In Washington, Malden stands out as the city with the lowest auto insurance rates, at an average of $1,331 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Below is a list of cities in Washington with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Malden | $1,331 |
| Ardenvoir | $1,355 |
| Sequim | $1,362 |
| Lopez Island | $1,364 |
| Port Townsend | $1,367 |
| Olga | $1,373 |
| Friday Harbor | $1,374 |
| Anacortes | $1,376 |
| Eastsound | $1,380 |
| Port Angeles | $1,381 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Washington
By comparing car insurance quotes, you can save an average of 27% per year for a full coverage policy in Washington.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Washington: Save on premiums
Car insurance discounts in Washington can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Washington.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 3% | $49 |
| Anti-theft device | 1% | $10 |
| Daily commute | 1% | $27 |
| Days advanced purchase | 6% | $119 |
| Education | 6% | $103 |
| Electronic funds transfer | 5% | $102 |
| Electronic signature | 10% | $236 |
| Homeowner | 4% | $76 |
| Lower annual mileage | 3% | $57 |
| Loyalty – years renewal with company | 6% | $96 |
| Marital status | 4% | $88 |
| Multi policy | 9% | $164 |
| Paperless/electornic documents | 2% | $33 |
| Payment type | 11% | $212 |
| Primary use | 8% | $144 |
| Safety devices | 3% | $67 |
| Telematics | 6% | $112 |
| Years insured | 15% | $399 |
| Years licensed | 23% | $785 |
Final thoughts on cheap car insurance in Washington
Based on our research, if you are a good driver, Geico is the cheapest in Washington for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Washington is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Washington for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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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.
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Leslie Kasperowicz
Managing 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.
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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.
Guide to car insurance (with rates) in cities of Washington