Washington Cheapest Car Insurance & Best Coverage Options

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AutoInsureSavings.org team of licensed insurance agents found GEICO at $48 per year is the cheapest of all car insurance companies in Washington for a minimum coverage policy.

At $1,245 per year, State Farm is the cheapest car insurance company in Washington for a full coverage policy.

Best Cheap Car Insurance in Washington

Carrying insurance in the state of Washington is mandated by state law. However, who provides your coverage and anything above the liability insurance requirements are a matter of choice.

Cheapest Car Insurance in Washington - Key Takeaways

The cheapest Washington car insurance options are: Cheapest for minimum coverage: GEICO Cheapest for full coverage: State Farm Cheapest after an at-fault accident: GEICO Cheapest after a speeding ticket: Mutual of Enumclaw Cheapest after a DUI: Progressive Cheapest with poor credit history: GEICO Cheapest for young drivers: Mutual of Enumclaw For younger drivers with a speeding violation: State Farm For younger drivers with an at-fault accident: Mutual of Enumclaw

Keep reading to learn how to save money with Washington car insurance companies in various age groups and how to find the best auto insurance coverage for the most affordable cost when comparison shopping.

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Cheapest Car Insurance in Washington for Minimum Coverage

Our agents found that GEICO offers the cheapest minimum coverage car insurance for Washington drivers with a good driving record at $448 per year, which is 31% less expensive than the average cost for minimum liability from other car insurance companies in Washington at $645 per year.

Enter your zip code above to compare cheap auto quotes from the best auto insurers to help you save money.  

Company	Average annual rate
USAA	$387
GEICO	$448
Progressive	$460
Travelers	$475
State Farm	$481
PEMCO	$532
Mutual of Enumclaw	$565
Farmers	$653
American Family	$687
Allstate	$788

*USAA is for qualified military members, their spouses, and direct family members. Auto insurance rates vary depending on driver profiles.

We found the most expensive insurance providers for minimum coverage during our rate analysis are American Family and Allstate, with an average quote of $687 and $788 per year. 

The cheapest car insurance in the state of Washington is based on several factors. First, you must determine if you want full coverage or the state minimum coverage. Then, you must factor in your vehicle information, age, and driving history.

Minimum coverage is a liability-only insurance policy with bodily injury and property damage liability insurance.

Cheapest Insurance for Full Coverage in Washington

State Farm offers cheap insurance rates in Washington at $1,245 per year or $103 per month for full coverage, 32% cheaper than Washington state average rates. 

The next best is Mutual of Enumclaw, which offers full coverage insurance rates at $1,289 per year or 30% cheaper than average rates. 

Auto Insurer	Annual cost	Monthly cost
State Farm	$1,245	$103
Mutual of Enumclaw	$1,289	$107
GEICO	$1,567	$130
Washington average	$1,815	$151

*Your rates may vary when you get a quote.

Washington’s average premium for full coverage insurance is $1,815 per year or $151 per month.

Full coverage policies include comprehensive and collision, which reimburse property damage to your vehicle from car accidents, vandalism, or thefts.

AutoInsureSavings.org licensed insurance agents to recommend drivers in Washington with newer model vehicles to buy a full coverage auto insurance policy.

Cheapest Auto Insurance in Washington With Speeding Tickets

Our licensed agents found Mutual of Enumclaw offers the cheapest rates for Washington drivers with speeding tickets at $1,380 per year or a $115 monthly rate. Mutual of Enumclaw’s rate is 35% less expensive than Washington’s average rates of $2,115 per year.

Auto Insurer	Annual cost	Monthly cost
Mutual of Enumclaw	$1,380	$115
GEICO	$1,465	$122
Travelers	$1,523	$127
Washington average	$2,115	$176

The average car insurance premium for a Washington driver with a speeding violation is $2,115, or $300 more for auto insurance than a clean record driver. 

A minor speeding violation stays on Washington driving records for five years, but car insurers can only use the past three years. According to the Washington State Department of Licensing, the cost of car insurance can increase by 22% during those three years.  

Cheapest Insurance in Washington For Drivers with an Accident

GEICO offers the best rate for drivers with a recent at-fault accident in Washington, with auto insurance premiums at $1,693 per year. That is $775 per year less than the average amount drivers pay ($2,468) for auto insurance coverage in Washington.

Insurer	Annual cost	Monthly cost
GEICO	$1,693	$141
Mutual of Enumclaw	$1,741	$145
State Farm	$1,764	$147
Washington average	$2,468	$205

The least expensive insurance coverage exists for people with clean driving records. Washington auto insurance carriers will cover people with an accident. Washington’s average rates for a person with a car accident on their driving record would be $2,468 per year, over $650 more per year than the average premium for full coverage.

Cheapest Auto Insurance in Washington for Drivers with a DUI

Progressive offers the cheapest auto insurance rates for drivers in Washington with a DUI in their driving history at $2,220 per year. The average rate for drivers with a DUI in Washington is $3,032, and Progressive offers savings of $812 per year.

Insurer	Annual cost	Monthly cost
Progressive	$2,220	$185
State Farm	$2,469	$205
Mutual of Enumclaw	$2,518	$209
Washington average	$3,032	$252

According to the Washington Courts Website, DUI offenders in Washington will have driving privileges suspended for 90 days, a required ignition interlock device (IID) installed in their motor vehicle for 90 days with the required defensive driving course, and required alcohol treatment program. A drunk driving violation in Washinton can raise your car insurance premiums by 41% per year for 24 to 36 months.

Cheapest Car Insurance in Washington for Drivers With Poor Credit

GEICO offers the least expensive insurance premiums for Washington drivers with a poor credit score. GEICO provides a savings of over $458 per year or 23% less expensive, with an insurance premium of $1,580 per year for full coverage.

State Farm is the second cheapest car insurance option for a poor credit score at $1,781 per year or 13% cheaper than average Washington poor credit rates.

Insurer	Annual cost	Monthly cost
GEICO	$1,580	$131
State Farm	$1,781	$148
Travelers	$1,936	$161
Washington average	$2,038	$169

We found drivers with a bad credit score pay 12% more for coverage in Washington than those with good credit scores during our rate analysis. Make sure to pay your credit cards, student loans, and bills on time to find the best rates with Washington car insurance. And keep an eye on your credit report.  

Cheapest Car Insurance in Washington for Young Drivers

Younger drivers shopping for car insurance can find cheap rates in Washington with Mutual of Enumclaw, who provided our agents with a $2,980 per year quote for full coverage. Mutual of Enumclaw’s rate is 48% cheaper than Washington’s average young driver rate of $5,682 per year.

Teen drivers can find the cheapest insurance for minimum coverage in Washington with GEICO, which provided us with a $1,227 per year rate for an 18-year-old driver. 

Insurer	Full coverage	Minimum coverage
Mutual of Enumclaw	$2,980	$1,598
USAA	$3,254	$1,318
State Farm	$3,658	$1,290
GEICO	$4,279	$1,227
Travelers	$4,291	$1,255
Progressive	$5,629	$2,261
Farmers	$5,786	$3,036
Allstate	$6,153	$2,143
American Family	$9,438	$3,626
Washington average	$5,682	$2,275

*USAA is for qualified military members, their spouses, and direct family members. Coverage rates may vary depending on driver profiles.

A teen driver who recently received their driver’s license or has been driving for less than five years is a high-risk driver.

They tend to get more traffic tickets and have more accidents. The cost to insure a Washington driver under 21 is significantly higher than insuring a driver over 30 with a clean driving record.

Cheapest Insurance for Young Drivers with Speeding Tickets

Young or teen drivers in Washington should compare auto insurance quotes with State Farm with a speeding ticket in their driving history. State Farm provided our agents a quote at $3,658 per year or $304 per month.

State Farm’s coverage rates are 41% less expensive than average rates for young Washington drivers.  

Insurer	Annual cost	Monthly cost
State Farm	$3,658	$304
Mutual of Enumclaw	$3,754	$312
GEICO	$4,364	$363
Washington average	$6,149	$512

Cheapest Car Insurance for Young Drivers in Washington with an Accident

According to our licensed agent’s rate analysis, younger drivers with an at-fault accident can find the cheapest car insurance quotes with Mutual of Enumclaw, with an average cost of $4,028 per year or $335 per month.

Mutual of Enumclaw’s insurance rate is 46% less expensive than Washington’s $7,349 average rates for younger drivers with an at-fault accident.

Insurer	Annual cost	Monthly cost
Mutual of Enumclaw	$4,028	$335
State Farm	$4,670	$389
GEICO	$4,882	$406
Washington average	$7,349	$612

Best Auto Insurance Companies in Washington

If we use the NAIC complaint index, J.D. Powers claims satisfaction study, and the average price for state minimum and full coverage, American Family (AmFam), USAA, and Mutual of Enumclaw are the best car insurance companies in Washington. 

Sometimes getting the most affordable insurance company for the average driver isn’t the best for quality customer service for Washington drivers. Depending on your assets and situation, you may need to compare insurance companies with higher than average customer service and satisfaction standards.

Auto insurer	% respondents satisfied with recent claim	% respondents rated customer service as excellent
American Family (AmFam)	84%	49%
USAA	79%	60%
Mutual of Enumclaw	74%	55%
State Farm	72%	47%
Allstate	72%	44%
Travlers	71%	49%
Farmers Insurance	71%	38%
Progressive	74%	34%
GEICO	68%	42%

According to ValuePenguin, AmFam and USAA received the highest customer satisfaction ratings for Washington car insurance. AmFam also received the highest satisfaction ratings from its customers for both claims satisfaction and an NAIC complaint index of 0.46, well below the national average of 1.00.

If we take the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power claims satisfaction score, and A.M. Best financial strength ratings, the results are similar.

Insurer	NAIC Complaint Index	J.D. Power claims satisfaction score	AM Best Financial Strength Rating
Mutual of Enumclaw	0.00	N/A	A-
Farmers Insurance	0.15	872	A
American Family	0.46	862	A
Allstate	0.63	876	A+
State Farm	0.66	881	A++
Progressive	0.67	856	A+
USAA	0.98	890	A++
GEICO	1.01	871	A++

Mutual of Enumclaw (0.00), Farmers Insurance (0.15), and AmFam (0.46) are the best car insurance companies with excellent financial strength, have a complaint ratio below the national average of 1.00 which means all three car insurance companies have fewer complaints relative to their market share. 

Average Car Insurance Costs by City in Washington

An insurance company will use your zip code and many factors to determine your Washington car insurance costs, as well as your credit score, marital status, type of motor vehicle, and past driving history. If you live in Washington’s more urban areas, there is a higher chance of auto theft or being in an auto accident. Insurance companies will increase rates to account for such risk.

Cheapest Car Insurance in Seattle, WA

Drivers in Seattle can find the most affordable coverage with GEICO with a $1,416 per year rate for our 30-year-old sample driver. A quote from GEICO is 24% cheaper than Seattle’s average car insurance rates.

Seattle insurance	Average Premium
GEICO	$1,416
State Farm	$1,470
Mutual of Enumclaw	$1,536
Seattle average	$1,850

Cheapest Car Insurance in Spokane, WA

GEICO offers cheap insurance for drivers in Spokane who provided our licensed agents a quote at $1,420 per year or a $118 monthly rate. GEICO’s rate is 25% less expensive than average rates in Spokane, WA. 

Spokane insurance	Average Premium
GEICO	$1,420
Mutual of Enumclaw	$1,487
State Farm	$1,518
Spokane average	$1,865

Cheapest Car Insurance in Tacoma, WA

Tacoma drivers can find cheap insurance with Mutual of Enumclaw, who offered us a quote at $1,465 per year or a $122 monthly rate with $500 deductibles for comprehensive and collision insurance. Mutual of Enumclaw’s insurance quote is 22% cheaper than Tacoma’s average rates at $1,872 per year.

Tacoma insurance	Average Premium
Mutual of Enumclaw	$1,465
Travelers Insurance	$1,542
GEICO	$1,581
Tacoma average	$1,872

Cheapest Car Insurance in Vancouver, WA

Travelers Insurance offers cheaper car insurance for drivers in Vancouver with a good driving record with quotes at $1,437 per year and 23% less expensive than average rates in Vancouver. 

Vancouver insurance	Average Premium
Travelers	$1,437
Mutual of Enumclaw	$1,479
Progressive	$1,561
Vancouver average	$1,875

Cheapest Auto Insurance in Bellevue, WA

AutoInsureSavings.org licensed agents found that Bellevue’s cheapest insurance rate is with State Farm, who provided us a quote at $1,274 per year for full coverage or 29% lower than average rates for drivers in Bellevue, WA.

Bellevue insurance	Average Premium
State Farm	$1,274
Mutual of Enumclaw	$1,317
GEICO	$1,447
Bellevue average	$1,784

Cheapest Auto Insurance in Kent, WA

State Farm offers cheaper car insurance for drivers in Kent, Washington, with a quote at $1,319 per year or a $109 monthly rate for a full coverage car insurance policy, which is 31% less expensive than the average rates in Kent.

Kent insurance	Average Premium
State Farm	$1,319
GEICO	$1,473
Mutual of Enumclaw	$1,535
Kent average	$1,886

Average Cost of Insurance for All Cities in Washington

City	Annual insurance cost	City	Annual insurance cost
Seattle	$1,850	Town and Country	$1,686
Spokane	$1,865	Maplewood	$1,640
Tacoma	$1,872	Wapato	$1,710
Vancouver	$1,875	Medical Lake	$1,757
Bellevue	$1,784	Buckley	$1,663
Kent	$1,886	Colville	$1,732
Everett	$1,837	Omak	$1,759
Renton	$1,816	Mattawa	$1,698
Spokane Valley	$1,840	Belfair	$1,766
Federal Way	$1,790	Moses Lake North	$1,710
Yakima	$1,826	Chain Lake	$1,686
Kirkland	$1,826	Black Diamond	$1,746
Bellingham	$1,812	Rosedale	$1,663
Kennewick	$1,758	Suquamish	$1,775
Auburn	$1,830	Wauna	$1,784
Pasco	$1,710	Venersborg	$1,719
Marysville	$1,746	Esperance	$1,698
Redmond	$1,790	Prairie Heights	$1,800
Sammamish	$1,686	Chelan	$1,764
South Hill	$1,640	Peaceful Valley	$1,813
Lakewood	$1,719	Deer Park	$1,757
Richland	$1,698	Marietta-Alderwood	$1,663
Shoreline	$1,732	Moxee	$1,796
Olympia	$1,764	Longbranch	$1,732
Burien	$1,775	Montesano	$1,640
Lacey	$1,822	Bunk Foss	$1,808
Bothell	$1,663	Fox Island	$1,686
Edmonds	$1,640	Larch Way	$1,746
Puyallup	$1,800	Bethel	$1,698
Bremerton	$1,803	Forks	$1,710
Lynnwood	$1,784	Key Center	$1,719
Issaquah	$1,746	Longview Heights	$1,790
Longview	$1,757	Mirrormont	$1,686
Parkland	$1,686	Lake Goodwin	$1,796
Mount Vernon	$1,698	Granger	$1,784
Wenatchee	$1,810	Granite Falls	$1,663
Pullman	$1,732	Boulevard Park	$1,813
University Place	$1,804	Sunnyslope	$1,640
Walla Walla	$1,790	Maple Heights-Lake Desire	$1,746
Spanaway	$1,719	Clearview	$1,698
Lake Stevens	$1,764	Lake Cassidy	$1,802
Des Moines	$1,710	Indianola	$1,732
SeaTac	$1,790	Three Lakes	$1,775
Graham	$1,813	Goldendale	$1,828
Maple Valley	$1,686	Canyon Creek	$1,784
Mercer Island	$1,698	Hansville	$1,663
Bainbridge Island	$1,640	McChord AFB	$1,791
Orchards	$1,757	Benton City	$1,764
Mill Creek East	$1,775	Grand Mound	$1,686
North Lynnwood	$1,746	North Yelm	$1,825
Camas	$1,732	Burbank	$1,818
Oak Harbor	$1,663	Ahtanum	$1,719
Moses Lake	$1,818	Fairchild AFB	$1,784
Frederickson	$1,775	Lake Holm	$1,686
Tumwater	$1,813	Clyde Hill	$1,710
Kenmore	$1,764	Elma	$1,821
Cottage Lake	$1,719	Medina	$1,640
Silver Firs	$1,686	Port Angeles East	$1,811
Union Hill-Novelty Hill	$1,799	Canterwood	$1,698
Eastmont	$1,809	Algona	$1,746
Silverdale	$1,732	Central Park	$1,663
Mukilteo	$1,830	Castle Rock	$1,821
Mountlake Terrace	$1,790	Meadowdale	$1,818
Hazel Dell	$1,757	High Bridge	$1,686
Martha Lake	$1,710	Cashmere	$1,812
Bothell West	$1,686	Rochester	$1,732
Salmon Creek	$1,798	Navy Yard City	$1,764
Covington	$1,746	Cle Elum	$1,719
Bonney Lake	$1,640	Fobes Hill	$1,663
Mill Creek	$1,698	Eatonville	$1,757
Battle Ground	$1,784	Lochsloy	$1,775
Tukwila	$1,663	Raymond	$1,640
Ellensburg	$1,804	Colfax	$1,790
Fairwood	$1,831	Alderton	$1,796
Port Angeles	$1,800	Meadow Glade	$1,746
Arlington	$1,764	Chico	$1,775
Five Corners	$1,719	Carson	$1,784
Monroe	$1,732	Port Ludlow	$1,686
Bryn Mawr-Skyway	$1,746	Gleed	$1,710
Centralia	$1,790	Warden	$1,698
Camano	$1,640	Sisco Heights	$1,813
Anacortes	$1,757	Desert Aire	$1,663
Sunnyside	$1,821	Everson	$1,719
Aberdeen	$1,835	Fords Prairie	$1,809
White Center	$1,775	Dayton	$1,640
Washougal	$1,796	South Creek	$1,732
Elk Plain	$1,686	Brush Prairie	$1,764
West Richland	$1,698	Stansberry Lake	$1,757
Lynden	$1,710	Kalama	$1,746
Port Orchard	$1,784	Chewelah	$1,686
Ferndale	$1,719	Warm Beach	$1,813
East Wenatchee	$1,790	Okanogan	$1,809
Snoqualmie	$1,663	Bridgeport	$1,710
Lakeland South	$1,815	Riverbend	$1,821
Lake Forest Park	$1,809	White Salmon	$1,732
Artondale	$1,640	Geneva	$1,790
Fort Lewis	$1,818	Shadow Lake	$1,784
Lakeland North	$1,764	Allyn	$1,698
Lake Tapps	$1,663	Arlington Heights	$1,640
Woodinville	$1,796	Rainier	$1,809
Minnehaha	$1,746	Leavenworth	$1,775
Cheney	$1,719	Whidbey Island Station	$1,800
Kelso	$1,757	Fife Heights	$1,819
Prairie Ridge	$1,686	Brewster	$1,821
Maltby	$1,807	Burley	$1,719
Enumclaw	$1,717	Southworth	$1,764
East Renton Highlands	$1,784	Kingston	$1,686
Newcastle	$1,775	Freeland	$1,757
Sedro-Woolley	$1,640	Mabton	$1,764
Bothell East	$1,710	Newport	$1,796
Edgewood	$1,698	McCleary	$1,663
Grandview	$1,818	Oroville	$1,640
Lake Morton-Berrydale	$1,732	Walla Walla East	$1,746
Poulsbo	$1,800	Lofall	$1,719
Vashon	$1,827	Fern Prairie	$1,710
Lake Stickney	$1,764	North Puyallup	$1,817
Shelton	$1,790	Enetai	$1,818
Fife	$1,686	Amboy	$1,732
Sumner	$1,821	Gold Bar	$1,784
Midland	$1,800	Carnation	$1,710
Snohomish	$1,801	South Wenatchee	$1,764
Gig Harbor	$1,757	Davenport	$1,698
Liberty Lake	$1,640	Westport	$1,775
Alderwood Manor	$1,663	Bryant	$1,686
Port Townsend	$1,796	Winlock	$1,800
Mount Vista	$1,746	Big Lake	$1,809
DuPont	$1,813	Ravensdale	$1,640
Birch Bay	$1,719	Kettle Falls	$1,757
College Place	$1,798	Napavine	$1,811
Picnic Point	$1,686	Ocean Park	$1,764
Yelm	$1,790	Monroe North	$1,821
Felida	$1,710	West Pasco	$1,818
Summit	$1,732	Nooksack	$1,663
Burlington	$1,784	Lewisville	$1,719
Toppenish	$1,775	Tenino	$1,686
Fairwood CDP	$1,640	Coupeville	$1,800
Airway Heights	$1,698	Kayak Point	$1,790
Terrace Heights	$1,796	Sumas	$1,732
Hoquiam	$1,764	Royal City	$1,746
Summit View	$1,757	Tieton	$1,784
Othello	$1,809	Ritzville	$1,775
Sudden Valley	$1,663	Cascade Valley	$1,813
Ephrata	$1,818	Wilderness Rim	$1,823
Orting	$1,719	Millwood	$1,809
Duvall	$1,686	Cosmopolis	$1,640
Selah	$1,784	Rocky Point	$1,796
Ridgefield	$1,732	Yacolt	$1,757
Milton	$1,800	Ames Lake	$1,663
Waller	$1,746	Stevenson	$1,764
Quincy	$1,821	Dallesport	$1,686
Lake Shore	$1,775	Waterville	$1,698
Chehalis	$1,790	Kittitas	$1,710
Clarkston	$1,640	South Bend	$1,784
Tanglewilde	$1,698	Home	$1,719
Hobart	$1,811	Long Beach	$1,809
Sequim	$1,686	Purdy	$1,818
Pacific	$1,732	Lake Marcel-Stillwater	$1,640
Mead	$1,764	Manson	$1,719
Parkwood	$1,663	Duluth	$1,775
Stanwood	$1,784	Swede Heaven	$1,800
North Bend	$1,757	Garrett	$1,746
Barberton	$1,640	Pomeroy	$1,732
Brier	$1,710	Waitsburg	$1,686
Fircrest	$1,775	Tonasket	$1,790
Clover Creek	$1,719	Yarrow Point	$1,640
Normandy Park	$1,698	Crocker	$1,818
Bangor Base	$1,796	Republic	$1,757
Otis Orchards-East Farms	$1,663	Anderson Island	$1,816
Wollochet	$1,812	Ruston	$1,775
North Fort Lewis	$1,784	Puget Island	$1,719
Clarkston Heights-Vineland	$1,746	Point Roberts	$1,818
Steilacoom	$1,686	Browns Point	$1,764
Prosser	$1,827	Langley	$1,809
Union Gap	$1,790	Darrington	$1,821
Country Homes	$1,764	Buena	$1,663
West Side Highway	$1,732	Grand Coulee	$1,796
Woodland	$1,757	Neah Bay	$1,710
Finley	$1,640	Lakeview	$1,813
Ocean Shores	$1,719	Ilwaco	$1,686
West Clarkston-Highland	$1,796	Entiat	$1,800
Woods Creek	$1,663	Palouse	$1,790
Manchester	$1,775	Morton	$1,640
Tracyton	$1,710	Odessa	$1,784
Connell	$1,746	Tanner	$1,757
East Port Orchard	$1,686	Twisp	$1,764
Cavalero	$1,799	Machias	$1,698
Hockinson	$1,757	Summitview	$1,746
Blaine	$1,640	Rock Island	$1,719
Sultan	$1,698	Lake Bosworth	$1,663

Minimum Car Insurance Requirements in Washington

Drivers in Washington must carry the state minimum auto insurance requirements for vehicle registration. State law mandates drivers have at least $25,000 per person and up to $50,000 per accident of bodily injury liability coverage. They also require at least $25,000 per accident of property damage liability coverage.   

Liability insurance	Minimum coverage
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident
Uninsured motorist bodily injury*	$25,000 per person / $50,000 per accident
Underinsured motorist property damage coverage*	$10,000 per accident
Personal injury protection*	$10,000 per accident

**Underinsured motorist bodily injury, underinsured motorist property damage, and personal injury protection coverage can be rejected by signing a paper form.

AutoInsureSavings.org licensed agents to recommend buying coverage with higher liability limits with comprehensive and collision coverage in Washington for the average driver with multiple assets, such as houses or multiple vehicles.

We recommend uninsured motorists coverage with higher limits since Washington’s uninsured motorist rate is 21.7%, according to the Insurance Information Institute (III.org). 

Washington Car Insurance FAQs

Who has the Cheapest Car Insurance in Washington?

We found the top car insurance companies that offer the lowest Washington driver’s average rates are USAA at $387 per year, GEICO at $448 per year, and Progressive at $460 per year for a state minimum car insurance policy for a 30-year-old with clean driving history.

How Much is Car Insurance in Washington per Month?

On average, drivers pay around $53 per month for state minimum coverage in Washington and $151 per month for full coverage insurance. Based on our research, State Farm, at $103 per month, is one of the state’s most affordable car insurance companies. Most driver’s average annual rate is around $645 per year for state minimums and $1,815 per year, including comprehensive and collision coverage.

How Much Is Full Coverage Car Insurance in Washington?

On average, most drivers in Washington pay for full coverage insurance is $151 per month or $1,815 per year. Washington’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include State Farm and Mutual of Enumclaw. Both insurers provide auto insurance quotes 30% lower than average rates, depending on your driver profile. 

How do I Save on Car Insurance in Washington?

There are many things drivers can do to help save money on their car insurance rates in Washington. First, you will need to compare quotes from multiple insurance providers to find the right insurance company that offers the exact level of coverage in Washington you need at the most affordable price.

Another thing drivers in Washington can do to help them save more on their car insurance rates is to ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such as State Farm’s Drive Safe and Save Program. You can get long-term savings up to 20%, depending on your safe driving habits and driver behavior. 

To learn more about finding the best rates and car insurance options in Washington, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord in Washington with the following coverage limits:

Coverage type	Study limits
Bodily liability	$50,000 per person/$100,000 per accident
Property damage	$25,000 per accident
Personal injury protection	$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury	$50,000 per person/$100,000 per accident
Comprehensive and collision	$500 deductible

We used car insurance rates for drivers in Washington with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates will vary when you get quotes.

Sources 

– GEICO. “Military Auto Insurance.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Washington Dept. of Licensing. “Mandatory Insurance.”
– Office of the Insurance Commissioner: Washington. “Auto Insurance.”