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.
- Among the companies analyzed by CarInsurance.com, Geico stands out as the cheapest option for full coverage car insurance in Washington, with an insurance premium of $98 per month.
- Drivers in Washington with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Washington is Malden, with an annual premium of $1,331 .
- Washington drivers can save up to 27% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Washington?
Geico offers the cheapest car insurance rates in Washington for a full coverage policy with an average premium of $98 per month or around $1,171 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Washington. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
You might also like
- What is SR-22 insurance in Washington?
- Best car insurance companies in Washington
- Non-owner car insurance in Washington: Find affordable rates
- Liability insurance for Washington drivers
- Minimum car insurance requirements in Washington
- Washington car insurance calculator: Get quotes by ZIP code & vehicle
- How much is car insurance for a 25-year-old in Washington?
- Cheap car insurance for seniors in Washington
- How much does car insurance cost in Washington?
Washington drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Washington
Washington requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
The following table lists Washington’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 shows the average annual rates from major insurance providers in Washington, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
In Washington, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 rates in Washington after a speeding ticket
If you’ve got a speeding ticket on your Washington driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,487 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Washington.
| 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.
Cheapest car insurance in Washington after a DUI conviction
State Farm offers the cheapest car insurance to Washington drivers with a DUI conviction at $1,487 per year and Progressive has the second-cheapest insurance premiums at $1,762 a year, based on recent data.
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 rates after an at-fault accident in Washington
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,536 .
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium 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
Please enter the correct format
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 Cities with the lowest auto insurance rates in Washington
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.
The city with the lowest auto insurance rates in Washington is Malden, at $1,331 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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 savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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 |
The bottom line on cheap car insurance in Washington
Our research shows that Geico has the cheapest full coverage car insurance rates in Washington for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Washington, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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.
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.
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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