Compare Car Insurance Quotes In The Great State of Washington

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The Great State of Washington
Local Insurance Information
  • Seattle
  • Spokane
  • Tacoma
  • Vancouver

Compare Auto Insurance Quotes in Washington to Get the Best Rates

Compare Auto Insurance Quotes in Washington to Get the Best Rates

Average Washington Car Insurance Rates

How much is car insurance in Washington State? Drivers here pay slightly more for car insurance than most Americans. On average, auto insurance in Washington State costs $871.87 a year. The national annual average cost is $866.31.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $590.00
Collision $257.24
Comprehensive $104.87
Total Cost Per Year $871.87
Price Per Month $72.65

When it comes to car insurance in Washington, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.

With QuoteWizard, you can compare quotes from top car insurance companies in Washington and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need.

Last year, 51,592 people used QuoteWizard to get a an auto insurance quote comparison in Washington State from top companies and find the cheapest rates.

Top 10 Vehicles in Washington

These are the most popular vehicles owned by Washington State drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Ranger
  4. Ford Explorer
  5. Honda Civic DX/EX/LX
  6. Toyota Prius
  7. Chevrolet Blazer
  8. Ford Mustang
  9. Chevrolet C1500 Silverado
  10. Ford Taurus
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Best Car Insurance Companies in Washington

This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of Washington last year. Out of the 51,592 Washington drivers that used QuoteWizard to request insurance quotes last year, 10,213 had no car insurance.

  1. Geico
  2. Allstate
  3. Progressive
  4. Farmers
  5. Liberty Mutual
  6. Esurance
  7. Nationwide
  8. AIG
  9. Country Financial
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Washington State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Washington, you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have a policy with at least the following limits:

  • $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

Required Proof of Car Insurance

Any time you drive in Washington, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word “fleet” may be used for more than five vehicles owned by the same person or business.

Penalties

Operating a vehicle without the required insurance coverage is a traffic infraction punishable by a fine of at least $450, and may result driver’s license suspension.

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SR-22 Requirements

Washington residents that have had their driver’s license suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

Washington State law requires you to carry an SR-22 for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, the carrier will notify the state resulting in suspension of their license. Driver's licenses are reinstated once the SR-22 is renewed.

State of Washington Traffic Safety Laws

Distracted Driving Laws

To combat ever-increasing numbers of distracted drivers on the roadway, Washington State has enacted legislation known as the Hands-Free Law. This law makes it illegal to talk or text while holding a cell phone when you are operating a motor vehicle. If a police officer sees you with a cell phone in your hand while driving, they can pull you over and ticket you for $124. Drivers can use hands-free devices if they wish to talk or text. New drivers with learner’s permits or intermediate driver’s licenses may not use cell phones at all except in an emergency.

Booster Seat Law

You must secure children under the age of eight and shorter than four feet nine inches tall in appropriate child restraints. After that, you must restrain children with vehicle safety belts or booster seats. Children under thirteen years old must ride in rear seats when practical.

Graduated Driver’s License

Washington has implemented a 3-tier graduated driver’s license program beginning with a learner’s permit and ending with full driver privileges once you meet all conditions.

Teens can apply for a learner’s permit once they’re 15 years old and have completed an approved drivers' education course. Drivers with learner's permits are required to drive at least 50 hours under supervision. Ten of those hours must be at night. Once these conditions are satisfied, and the driver has reached at least the age of 16, they can take the driver’s test. If they pass the test, they'll get an intermediate license.

Drivers with an intermediate license cannot drive between the hours of 1 am and 5 am. For the first six months of driving, intermediate drivers also cannot have more than one other person in the car under 20 years of age (excluding family). After that, and until they are 18, they may carry no more than three passengers under 20 in their vehicle. Drivers obtain their full driving privileges once they complete the above requirements and turn 18.

Senior Drivers in Washington State

Washington State has no special provisions for senior drivers, but all drivers are required to renew their driver’s license every 5 years.

Seat Belt Laws

Washington State requires that all passengers in moving vehicles wear seat belts. Children are required to use approved child seats as described above. The minimum penalty for failing to comply is $124 for the first offense.

Vehicles Registered in Another State

When you drive a vehicle in Washington that must be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

The Cost of Driving in Washington

Average Washington Car Insurance Rates

The average cost of car insurance in Washington in 2014, the most recent year for which data was available, was $871.87 compared to a national average of $866.31. Washington is the 15th most expensive state for car insurance.

Fuel Taxes

The State of Washington taxes gasoline and diesel fuel at 44.5 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total taxes on gasoline are 62.9 cents per gallon, and the total taxes on diesel fuel are 68.9 cents per gallon.

Car Insurance Risk in Washington

Traffic Fatalities

In 2014, there were 462 traffic fatalities in Washington, a 6% increase from the state’s 436 traffic fatalities in 2013.

Vehicle Thefts

Washington had 30,647 vehicle thefts reported in 2014, a 7.8% increase compared to 2013. In 2014, the vehicle theft rate was 434 per 100,000, an increase of 6.5% over the 2013 rate of 407.6 per 100,000.

The vehicle theft rate in Washington is well above the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Washington

Source: National Insurance Crime Bureau - Hot Wheels Report 2014
Rank Year Model
1 1994 Honda Accord
2 1998 Honda Civic
3 1997 Subaru Legacy
4 1991 Toyota Camry
5 2000 Ford Pickup (Full Size)
6 1994 Acura Integra
7 1998 Chevrolet Pickup (Small Size)
8 1999 Honda CR-V
9 1993 Toyota Corolla
10 1999 Chevrolet Pickup (Full Size)

Uninsured Drivers

The percentage of Washington residents estimated to be driving without insurance is 16.1%. That ranks Washington as #10 among US states and the District of Columbia, much higher than average.

Crash Statistics

The Washington Traffic Safety Commission maintains a website with a variety of different types of crash data for the state: Washington State Crash Data

Top Washington State Auto Insurance Companies Market Share

Source: WA Office of the Insurance Commissioner - Direct Premiums Written in 2014
Rank Market Share Company
1 11.83% Liberty Mutual
2 7.27% Farmers Insurance
3 7.01% Allstate
4 5.05% USAA
5 4.16% Progressive
6 4.15% Berkshire Hathaway (Includes GEICO)
7 3.81% Pemco
8 3.02% Travelers
9 2.59% Hartford

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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