Best Auto Insurance Rates in Washington

On average, your neighbors pay $73 a month.

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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 $884.24 a year. The national annual average cost is $889.01.

Prices may vary depending on your zip code and driving history.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68

The graph below shows the change in Washington's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

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 the one 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 compare auto insurance quotes in Washington State from multiple companies.

Top 10 Vehicles in Washington

These are the most popular vehicles owned by Washington State drivers requesting car insurance quotes through QuoteWizard last 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Washington

These are 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.

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 insurance identification card to police when asked. 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.


Driving without insurance is a traffic infraction. It's punishable by a fine of at least $450, and may result driver’s license suspension.

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SR-22 Requirements

Washington residents with suspended licenses due to drunk driving convictions must show proof of financial responsibility. They must file an SR-22 form. “SR” stands for safety responsibility. 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 you fail to renew your policy 15 days before expiration, the carrier will notify the state. The state will then suspend your 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 driving. Police can pull you over if they see you driving with a cell phone in your hand. And they will ticket you $124 for their trouble. 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 younger than 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 a 3-tier graduated driver’s license program. It starts with a learner’s permit and ends with full driver privileges once all conditions are met.

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 met, and the driver is at least 16 years old, 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 six months, intermediate drivers can't have more than one passenger 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

In Washington, if you can drive a vehicle that must be registered in another state. But it must have the type of insurance required by that state. You must also be able to show proof of this insurance to law enforcement when asked.

The Cost of Driving in Washington

Average Washington Car Insurance Rates

The average cost of car insurance in Washington in 2014 was $884.24 compared. The national average was $889.01. 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. 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. That was 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.

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

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

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