Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 6, 2021

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Compare RatesStart Now → 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
AutoInsureSavings.orgThe 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

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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.

Cheapest car insurance in Washington with GEICO, Progressive, and Travelers Insurance compared with average rates.

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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.  

CompanyAverage annual rate
State Farm$481
Mutual of Enumclaw$565
American Family$687

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*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 InsurerAnnual costMonthly cost
State Farm$1,245$103
Mutual of Enumclaw$1,289$107
Washington average$1,815$151

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*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. 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 InsurerAnnual costMonthly cost
Mutual of Enumclaw$1,380$115
Washington average$2,115$176

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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.

InsurerAnnual costMonthly cost
Mutual of Enumclaw$1,741$145
State Farm$1,764$147
Washington average$2,468$205

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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.

InsurerAnnual costMonthly cost
State Farm$2,469$205
Mutual of Enumclaw$2,518$209
Washington average$3,032$252

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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.

InsurerAnnual costMonthly cost
State Farm$1,781$148
Washington average$2,038$169

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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. 

InsurerFull coverageMinimum coverage
Mutual of Enumclaw$2,980$1,598
State Farm$3,658$1,290
American Family$9,438$3,626
Washington average$5,682$2,275

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*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.  

InsurerAnnual costMonthly cost
State Farm$3,658$304
Mutual of Enumclaw$3,754$312
Washington average$6,149$512

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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.

InsurerAnnual costMonthly cost
Mutual of Enumclaw$4,028$335
State Farm$4,670$389
Washington average$7,349$612

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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%
Mutual of Enumclaw74%55%
State Farm72%47%
Farmers Insurance71%38%

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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.

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
Mutual of Enumclaw0.00N/AA-
Farmers Insurance0.15872A
American Family0.46862A
State Farm0.66881A++

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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 insuranceAverage Premium
State Farm$1,470
Mutual of Enumclaw$1,536
Seattle average$1,850

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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 insuranceAverage Premium
Mutual of Enumclaw$1,487
State Farm$1,518
Spokane average$1,865

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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 insuranceAverage Premium
Mutual of Enumclaw$1,465
Travelers Insurance$1,542
Tacoma average$1,872

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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 insuranceAverage Premium
Mutual of Enumclaw$1,479
Vancouver average$1,875

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Cheapest Auto Insurance in Bellevue, WA 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 insuranceAverage Premium
State Farm$1,274
Mutual of Enumclaw$1,317
Bellevue average$1,784

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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 insuranceAverage Premium
State Farm$1,319
Mutual of Enumclaw$1,535
Kent average$1,886

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Average Cost of Insurance for All Cities in Washington

CityAnnual insurance costCityAnnual insurance cost
Seattle$1,850Town and Country$1,686
Vancouver$1,875Medical Lake$1,757
Spokane Valley$1,840Belfair$1,766
Federal Way$1,790Moses Lake North$1,710
Yakima$1,826Chain Lake$1,686
Kirkland$1,826Black Diamond$1,746
Redmond$1,790Prairie Heights$1,800
South Hill$1,640Peaceful Valley$1,813
Lakewood$1,719Deer Park$1,757
Lacey$1,822Bunk Foss$1,808
Bothell$1,663Fox Island$1,686
Edmonds$1,640Larch Way$1,746
Lynnwood$1,784Key Center$1,719
Issaquah$1,746Longview Heights$1,790
Parkland$1,686Lake Goodwin$1,796
Mount Vernon$1,698Granger$1,784
Wenatchee$1,810Granite Falls$1,663
Pullman$1,732Boulevard Park$1,813
University Place$1,804Sunnyslope$1,640
Walla Walla$1,790Maple Heights-Lake Desire$1,746
Lake Stevens$1,764Lake Cassidy$1,802
Des Moines$1,710Indianola$1,732
SeaTac$1,790Three Lakes$1,775
Maple Valley$1,686Canyon Creek$1,784
Mercer Island$1,698Hansville$1,663
Bainbridge Island$1,640McChord AFB$1,791
Orchards$1,757Benton City$1,764
Mill Creek East$1,775Grand Mound$1,686
North Lynnwood$1,746North Yelm$1,825
Oak Harbor$1,663Ahtanum$1,719
Moses Lake$1,818Fairchild AFB$1,784
Frederickson$1,775Lake Holm$1,686
Tumwater$1,813Clyde Hill$1,710
Cottage Lake$1,719Medina$1,640
Silver Firs$1,686Port Angeles East$1,811
Union Hill-Novelty Hill$1,799Canterwood$1,698
Silverdale$1,732Central Park$1,663
Mukilteo$1,830Castle Rock$1,821
Mountlake Terrace$1,790Meadowdale$1,818
Hazel Dell$1,757High Bridge$1,686
Martha Lake$1,710Cashmere$1,812
Bothell West$1,686Rochester$1,732
Salmon Creek$1,798Navy Yard City$1,764
Covington$1,746Cle Elum$1,719
Bonney Lake$1,640Fobes Hill$1,663
Mill Creek$1,698Eatonville$1,757
Battle Ground$1,784Lochsloy$1,775
Port Angeles$1,800Meadow Glade$1,746
Five Corners$1,719Carson$1,784
Monroe$1,732Port Ludlow$1,686
Bryn Mawr-Skyway$1,746Gleed$1,710
Camano$1,640Sisco Heights$1,813
Anacortes$1,757Desert Aire$1,663
Aberdeen$1,835Fords Prairie$1,809
White Center$1,775Dayton$1,640
Washougal$1,796South Creek$1,732
Elk Plain$1,686Brush Prairie$1,764
West Richland$1,698Stansberry Lake$1,757
Port Orchard$1,784Chewelah$1,686
Ferndale$1,719Warm Beach$1,813
East Wenatchee$1,790Okanogan$1,809
Lakeland South$1,815Riverbend$1,821
Lake Forest Park$1,809White Salmon$1,732
Fort Lewis$1,818Shadow Lake$1,784
Lakeland North$1,764Allyn$1,698
Lake Tapps$1,663Arlington Heights$1,640
Cheney$1,719Whidbey Island Station$1,800
Kelso$1,757Fife Heights$1,819
Prairie Ridge$1,686Brewster$1,821
East Renton Highlands$1,784Kingston$1,686
Bothell East$1,710Newport$1,796
Lake Morton-Berrydale$1,732Walla Walla East$1,746
Vashon$1,827Fern Prairie$1,710
Lake Stickney$1,764North Puyallup$1,817
Sumner$1,821Gold Bar$1,784
Snohomish$1,801South Wenatchee$1,764
Gig Harbor$1,757Davenport$1,698
Liberty Lake$1,640Westport$1,775
Alderwood Manor$1,663Bryant$1,686
Port Townsend$1,796Winlock$1,800
Mount Vista$1,746Big Lake$1,809
Birch Bay$1,719Kettle Falls$1,757
College Place$1,798Napavine$1,811
Picnic Point$1,686Ocean Park$1,764
Yelm$1,790Monroe North$1,821
Felida$1,710West Pasco$1,818
Fairwood CDP$1,640Coupeville$1,800
Airway Heights$1,698Kayak Point$1,790
Terrace Heights$1,796Sumas$1,732
Hoquiam$1,764Royal City$1,746
Summit View$1,757Tieton$1,784
Sudden Valley$1,663Cascade Valley$1,813
Ephrata$1,818Wilderness Rim$1,823
Selah$1,784Rocky Point$1,796
Milton$1,800Ames Lake$1,663
Lake Shore$1,775Waterville$1,698
Clarkston$1,640South Bend$1,784
Hobart$1,811Long Beach$1,809
Pacific$1,732Lake Marcel-Stillwater$1,640
Stanwood$1,784Swede Heaven$1,800
North Bend$1,757Garrett$1,746
Clover Creek$1,719Yarrow Point$1,640
Normandy Park$1,698Crocker$1,818
Bangor Base$1,796Republic$1,757
Otis Orchards-East Farms$1,663Anderson Island$1,816
North Fort Lewis$1,784Puget Island$1,719
Clarkston Heights-Vineland$1,746Point Roberts$1,818
Steilacoom$1,686Browns Point$1,764
Union Gap$1,790Darrington$1,821
Country Homes$1,764Buena$1,663
West Side Highway$1,732Grand Coulee$1,796
Woodland$1,757Neah Bay$1,710
Ocean Shores$1,719Ilwaco$1,686
West Clarkston-Highland$1,796Entiat$1,800
Woods Creek$1,663Palouse$1,790
East Port Orchard$1,686Twisp$1,764
Blaine$1,640Rock Island$1,719
Sultan$1,698Lake Bosworth$1,663

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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 insuranceMinimum 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

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

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 Our licensed professionals will be happy to answer any questions you have.

Methodology 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 typeStudy 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

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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.


– 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.”