The type of vehicle you own in Washington can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Washington for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Washington
Our analysis shows that the Mini Cooper Electric and the Volkswagen Tiguan have the lowest average insurance costs in Washington, with Honda CR-V and Hyundai Tucson close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Washington and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Mini Cooper Electric | $785 |
| Volkswagen Tiguan | $790 |
| Honda CR-V | $805 |
| Hyundai Tucson | $814 |
| Mini Cooper Countryman JCW | $816 |
| Honda HR-V | $817 |
| Honda Odyssey | $824 |
| Mazda CX-5 | $832 |
| Acura RDX | $833 |
| Honda Pilot | $836 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Washington
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Washington
Our data shows that Subaru Legacy is the most affordable sedan to insure in Washington. Its average six-month full coverage cost is $885 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $908, while the Nissan Versa comes in third with an average cost of $932.
The table below shows the cheapest sedans to insure in Washington and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $885 |
| Volkswagen Jetta | $908 |
| Nissan Versa | $932 |
| Kia Forte | $946 |
| Volkswagen Jetta GLI | $978 |
| Nissan Sentra | $980 |
| Honda Civic Sedan | $987 |
| Honda Accord | $1,008 |
| Nissan Altima | $1,014 |
| Chevrolet Malibu | $1,023 |
| Toyota Camry | $1,031 |
| Hyundai Elantra | $1,037 |
| Toyota Corolla | $1,069 |
| Mazda 3 Sedan | $1,138 |
| Mitsubishi Mirage G4 | $1,173 |
| Kia K5 | $1,205 |
| Hyundai Sonata | $1,272 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Washington
In Washington, the Volkswagen Tiguan and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $790 and $805 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $790 |
| Honda CR-V | $805 |
| Hyundai Tucson | $814 |
| Honda HR-V | $817 |
| Mazda CX-5 | $832 |
| Honda Pilot | $836 |
| Chevrolet Equinox | $846 |
| Mini Cooper Countryman | $849 |
| Hyundai Kona | $861 |
| Subaru Forester | $863 |
| Kia Sportage | $879 |
| Chevrolet Blazer | $883 |
| Nissan Murano | $890 |
| Volkswagen Atlas | $890 |
| Toyota RAV4 | $890 |
| Subaru Crosstrek | $903 |
| Volkswagen Atlas Cross Sport | $906 |
| GMC Terrain | $906 |
| Ford Edge | $914 |
| Chevrolet Trax | $916 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Washington
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Chevrolet Camaro is one of the most inexpensive models on our list, with an average cost of $1,023.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Chevrolet Camaro | $1,023 |
| Honda Civic Si | $1,041 |
| Mazda MX-5 Miata | $1,056 |
| Ford Mustang | $1,118 |
| Subaru BRZ | $1,179 |
| Porsche 718 Boxster | $1,259 |
| Honda Civic Type R | $1,275 |
| Chevrolet Camaro ZL1 | $1,289 |
| Chevrolet Corvette | $1,310 |
| BMW Z4 | $1,335 |
| Porsche 718 Cayman | $1,402 |
| Toyota GR Corolla | $1,403 |
| Toyota GR Supra | $1,414 |
| Toyota GR86 | $1,474 |
| Nissan Z | $1,519 |
| Subaru WRX | $1,525 |
| Chevrolet Corvette Z06 | $1,581 |
| Jaguar F-Type | $1,640 |
| Porsche 911 | $1,690 |
| Porsche 911 Turbo | $1,838 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Washington
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $833 for a full coverage six-month policy. It is followed by the Acura MDX ($890) and Cadillac XT4 ($937).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $833 |
| Acura MDX | $890 |
| Cadillac XT4 | $937 |
| Cadillac XT5 | $960 |
| Audi Q3 | $970 |
| Mercedes-Benz GLA-Class | $996 |
| BMW X3 | $998 |
| Volvo XC40 | $1,007 |
| Porsche Macan | $1,024 |
| Jaguar E-Pace | $1,032 |
| Land Rover Discovery Sport | $1,032 |
| Lincoln Corsair | $1,052 |
| BMW X2 | $1,060 |
| Infiniti QX50 | $1,062 |
| Acura TLX | $1,063 |
| Mercedes-Benz CLA-Class | $1,089 |
| Audi Q5 | $1,094 |
| Cadillac XT6 | $1,110 |
| Audi Q7 | $1,114 |
| Infiniti QX55 | $1,128 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Washington
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,671 annually, which breaks down to $223 monthly.
The table below highlights the most affordable EVs to insure in Washington, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $785 |
| Nissan Leaf | $936 |
| Kia Niro EV | $1,000 |
| Volkswagen ID.4 | $1,042 |
| Jaguar I-Pace | $1,055 |
| Chevrolet Silverado EV | $1,067 |
| Hyundai Kona Electric | $1,099 |
| Volvo XC40 Recharge | $1,122 |
| Audi Q4 e-tron | $1,128 |
| Chevrolet Blazer EV | $1,141 |
| Subaru Solterra | $1,180 |
| Hyundai Ioniq 5 | $1,181 |
| Toyota bZ4X | $1,212 |
| Hyundai Ioniq 6 | $1,219 |
| Ford F-150 Lightning | $1,225 |
| Nissan Ariya | $1,227 |
| Volvo C40 Recharge | $1,250 |
| Kia EV6 | $1,252 |
| Genesis Electrified GV70 | $1,268 |
| Mercedes-Benz EQB | $1,270 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Washington
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Mini Cooper Electric is $2,877, while insuring a Volkswagen Tiguan costs $2,886 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Washington?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $785, whereas the cost of insuring a Nissan Leaf is $936 for the same coverage.
Which SUVs are the cheapest to insure in Washington?
With an average six-month full coverage premium of $790, the Volkswagen Tiguan is one of the least expensive SUVs to insure in Washington. Honda CR-V and Hyundai Tucson also offer affordable premiums to Washington drivers.
What are the cheapest cars to insure for teen drivers in Washington?
The Mini Cooper Electric, Volkswagen Tiguan, Honda CR-V and Mazda CX-5 are among the most affordable cars to insure for 18-year-old drivers in Washington. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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