Best Auto Insurance Rates in Washington State

On average, your neighbors pay $80 a month.

See Your Rates

Compare Cheap Car Insurance in Washington

Living in Washington gives you the best of going out on the town or out in the woods. We've put everything together here to make sure your auto insurance rates are ideal for both.

Learn how your rates compare to other state averages, how to save money on your car insurance, and more.

Average Cost of Car Insurance in Washington

Luckily for Washington drivers, their average monthly car insurance rates are significantly lower than drivers in most other states. Washingtonians pay less than their neighbors to the south in Oregon, who average $69 a month. However, folks to the east in Idaho, pay on average $47 a month.

Average Base Car Insurance Rate in Washington: $53/month

How Much Does It Cost to Add Collision and Comprehensive Coverage?

When looking at the $53 a month average car insurance rate, we only accounted for the minimum liability or the basic form of a policy. In the state of Washington the minimum liability of a policy is 25/50/10 bodily injury and property damage coverage. To add recommended collision and comprehensive to your policy it won’t cost you much more.

Collision: $18/month

Comprehensive: $9/month

Combining state minimum liability with collision and comprehensive, Washington drivers can expect to pay $80 a month.

The Cheapest Car Insurance Companies in Washington

Average Monthly Car Insurance Rates
Company Monthly Premium
Pemco $31
State Farm $35
GEICO $37
Progressive $40
Mutual of Enumclaw $44
Washington Average $53
American Family $54
Allied $58
Allstate $74
Liberty Mutual $78
Farmers $78
These average rates are based on our sample quote data using state minimum liability. 1

When it comes to finding the cheapest car insurance policy, you’d be best off starting with local insurance companies like Pemco ($31 a month) and Mutual of Enumclaw ($44 a month). Local insurance companies can typically offer the cheapest rates to drivers in the area. Compared to the larger companies, local insurers have a much lower risk exposure.

However, in Washington the nation's largest insurance companies like State Farm ($35 a month) GEICO ($37 a month) and Progressive ($40 a month) are very competitive in cheap car insurance.

The average rates you see above only look at the cheapest rates for state minimum liability. Your rates will vary depending on the many factors insurance companies use to set rates. These average rates are meant to set a baseline for rates in Washington.

Cheapest Car Insurance for People with Tickets and Accidents in Washington

Drivers with tickets or accidents can expect to pay $11 more on average for car insurance in Washington. Depending on the frequency and severity of your incidents, rates could climb significantly higher than the rates you see below.

Average Monthly Car Insurance Rates
Company Monthly Premium
GEICO $37
Pemco $38
State Farm $38
Mutual of Enumclaw $55
Progressive $59
Washington Average $65
Allied $67
American Family $80
Allstate $80
Liberty Mutual $96
Farmers $102
These average rates are based on our sample quote data using state minimum liability. 2

Average Cost of Car Insurance Increasing Every Year

We looked at NAIC Average Expenditures For Auto Insurance report to see how much car insurance rates increase year over year in Washington. Car insurance rates in Washington tend to go up by about 4% every year. That’s a nearly 15% increase in the five year period between 2012 and 2016. The near 15% increase in average car insurance expenditures has cost Washingtonians over $110 during the five year period.

Washington is right on par with the national average rate increase of 15%. Neighbors to the south Oregon experienced an 18% increase in the same time period. Colorado experienced the highest rate of increase with 27% from 2012 to 2016.

Washington average car insurance rates

Monthly Expenditure estimates provided by NAIC Average Expenditures For Auto Insurance report. 3

Cheap and Expensive Cities for Car Insurance in Washington

Average Monthly Car Insurance Rates
City Monthly Premium
Bellingham $47
Richland $47
Yakima $48
Kennewick $49
Spokane Valley $49
Pasco $49
Spokane $50
Olympia $53
Vancouver $60
Marysville $61
Bellevue $62
Sammamish $62
Redmond $62
Kirkland $63
Everett $65
Renton $69
Shoreline $70
South Hill $70
Seattle $70
Lakewood $71
Auburn $71
Tacoma $71
Burien $71
Federal Way $72
Kent $72
These average rates are based on our sample quote data using state minimum liability. 1

How Bad Are Washington Drivers?

As we saw above, a single incident on your record could cost you over $130 a year on car insurance. Even with a clean driving record if drivers around you are frequently getting into accidents then your rates could also be affected.

Washington drivers continually rank among the worst drivers in the country. According to QuoteWizard best and worst driver studies Washington ranked 10th worst driving state in 2018. Which is actually an improvement from 2017 where Washington ranked 5th worst in the country.

Washington Car Insurance Laws

Minimum Car Insurance Requirements in Washington

If you drive a car registered in Washington, you need to have a minimum coverage of 25/50/10. This means the policy you buy must have the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident

Recommended Coverage Levels

Washington has high auto insurance rates compared to other parts of the country. One reason for this is a high auto theft rate. Another is the7th highest percentage of uninsured drivers. Both these risk factors affect car insurance rates for all WA drivers. Uninsured drivers pose a particular danger; on top of having a crash to deal with, you also wind up having to pay your own costs from the accident. Uninsured coverage covers you in that exact situation.

Minimum coverage only does so much. It will cover the other driver in an accident, but it doesn’t cover your damages. Also, it’s all too easy for an accident to cost more than what minimum liability covers. In order to make sure you’re properly covered, we recommend:

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Rate Methodology

1 Auto insurance rate data was provided by Quadrant Information Services. Rates are based on a driver profile of a 35-year-old, owning a 2015 Toyota Camry, drives less than 10,000 annual miles, good credit, clean record, and state minimum liability of 25/50/10. Rates are an average of the top 10 insurance companies in the state of Washington.

2 Auto insurance rate data was provided by Quadrant Information Services. Rates are based on a driver profile of a 35-year-old, with a single ticket or accident, owning a 2015 Toyota Camry, drives less than 10,000 annual miles, good credit, and state minimum liability of 25/50/10. Rates are an average of the top 10 insurance companies in the state of Washington.

3 The National Association of Insurance Commissioners Average Expenditures are estimates of what consumers actually spend for insurance on each vehicle. The NAIC assumes not all policyholders purchase all three forms of coverage, liability, collision and comprehensive.

Washington State Office of the Insurance Commissioner

Website:
Homepage
Insurance Commissioner:
Mike Kreidler
Insurance Hotline:
800-562-6900
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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