In Washington, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Washington by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Washington
In Washington, Mini Cooper Electric and Volkswagen Tiguan have the cheapest car insurance rates, followed by Honda CR-V and Hyundai Tucson, based on our research.
The table below highlights the most affordable vehicles to insure in Washington, including their average six-month full coverage 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Washington
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $885. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $908, followed by Nissan Versa, which costs $932 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Washington and their average full coverage six-month rates.
| 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
The Volkswagen Tiguan and Honda CR-V have the lowest car insurance rates, at $790 and $805, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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 often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Chevrolet Camaro, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,023.
The table below highlights the average six-month full coverage cost of various 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 equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $833 for a six-month full coverage policy. The Acura MDX and Cadillac XT4 also have affordable insurance rates at $890 and $937, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy 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
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Mini Cooper Electric costs an average of $2,877 to insure for an 18-year-old driver, whereas a Volkswagen Tiguan costs an average of $2,886 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs 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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