Best Auto Insurance Rates in Washington State

On average, your neighbors pay $73 a month.

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Compare Auto 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 Washington Car Insurance Rates

How much does car insurance in Washington State cost? Expect to pay a little less than other Americans. On average, auto insurance in Washington costs $884.24 a year. The national annual average cost is $889.01

Your actual premium cost will depend on factors such as your driving record, policy type, claim history, and others. The number of claims filed in your zip code can be a factor as well.

Washington (WA) 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
These average rates are based on our sample quote data. 1

The graph below shows the increase in Washington's average auto insurance rates from 2011 to 2015. According to the Insurance Information Institute, Washington's car insurance rates increased 9.7% in that five-year period.

Washington average car insurance rates

Comparing Car Insurance Quotes in Washington State

When it comes to car insurance in Washington State, 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 and get the cheapest rates.

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.

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 High-Risk Auto Insurance Companies

If you have a below average driving record or a history of insurance claims, insurers might consider you high-risk. High-risk drivers are statistically more likely to file a claim or cause an accident. Because of this, insurance companies charge more to cover you. Some may even refuse to cover you.

If you're having a hard time getting a policy because of your driving record, you can find coverage through the Washington Automobile Insurance Plan. This program helps high-risk drivers get minimum insurance coverage.

If you're a high-risk driver, these insurers offer policies for you as well:

Best Teen Driver Car Insurance

Teenage drivers pay more for auto insurance than any other age group. Due largely to inexperience, teens make more mistakes while driving.

On average, teens pay $438 a month for an individual auto policy. If a teen can get on their parent's policy, that amount can drop to $278. Good grades in school are a way to get a discount with most companies.

These companies offer great rates for teen drivers in Washington:

  1. American Family
  2. Country Financial
  3. Nationwide
  4. PEMCO
  5. Progressive
  6. Safeco
  7. GEICO
  8. State Farm
  9. Esurance
  10. Liberty Mutual

Washington Car Insurance Rate Factors

Washington's insurance rates reflect the number of people on its roads. Washington has the 15th highest number of licensed drivers in the country. But Washington ranks seventh in the nation for uninsured drivers, which unfortunately affects everyone's rates.

Most Expensive Cities in Washington for Car Insurance
City Monthly Rates Annual Rates
Kent $84 $1,011
Federal Way $84 $1,007
Auburn $83 $999
Burien $83 $999
Tacoma $83 $995
Lakewood $82 $983
Seattle $82 $982
Renton $81 $971
Edmonds $80 $955
Everett $76 $914
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2
Cheapest Cities in Washington for Car Insurance
City Monthly Rates Annual Rates
Bellingham $54 $646
Richland $55 $656
Yakima $57 $681
Kennewick $57 $683
Spokane Valley $58 $692
Pasco $58 $693
Spokane $60 $716
Olympia $62 $745
Lacey $66 $796
Vancouver $69 $831
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2

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 the 7th 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

Required Proof of Car Insurance

As a driver in Washington, be prepared to show your insurance ID card to the police when asked. You will get the card from your insurer when you buy a policy. The card needs to include the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Your name
  • The year, make, or model of the insured vehicle.

SR-22 Requirements

Washington residents with suspended licenses due to a DUI must show proof of financial responsibility.  They must file an SR-22. It certifies that the driver has the minimum insurance state law requires.

Washington State Law requires drivers to keep an SR-22 in place for 36 months. If you fail to renew your policy 15 days before expiration, the insurer will notify the state. The state will then suspend your license until renewal of the SR-22.

SR-22s almost always lead to higher insurance rates.

Totaled Cars with Rebuilt or Salvage Titles

If your car is damaged and the repair cost is greater than its value, your insurer will deem it a total loss. A total loss vehicle gets a salvage title. If it's repaired, it gets a rebuilt title.

Each state has their own law regarding totaled cars.

In Washington, total loss is calculated by a formula. Add the repair costs to the car's salvage value. If that amount is greater than the car's actual cash value, your insurer will consider it a total loss.

Buying insurance for a rebuilt or salvage vehicle in Washington is tricky. Some insurance companies won't cover such vehicles. Expect to pay higher rates if your car has a rebuilt or salvage title. Keep in mind that insuring a rebuilt or salvage title isn't always possible.

Washington State drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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State of Washington Traffic Safety Laws

Distracted Driving Laws

To counter accidents due to distracted drivers on the roads, Washington put forth the Hands-Free Law. The law makes talking or texting into a hand-held device while driving punishable with a $124 dollar fine. These citations can increase your insurance rates.

DWI Laws and Penalties

Driving in Washington with a Blood Alcohol Content (BAC) of 0.08 percent or higher is considered Driving While Intoxicated (DWI). The penalties for a first-time offense can include jail time or fines.

In any case, the state will suspend or revoke your driving privilege. The impact on your insurance rates are undeniable. You can expect to pay an average of $830 more a year for insurance after a DWI.

Senior Drivers in Washington

Car insurance rates tend to increase around the time a driver turns 65. Washington has no special requirements for senior drivers, but everyone must renew their license every five years.

Vehicles Registered in Another State

In Washington you can drive a vehicle registered in another state, but it must have insurance required by that state. Be prepared to show proof of insurance to the police if asked.

Car Insurance Risk in Washington

Washington's National Ranking for Drivers

Our nationwide study found Washington ranks fifth for worst drivers. This ranking is calculated from data on accidents, speeding tickets, DUI's, and citations occurring in Washington. If you live in an area with bad drivers, expect to pay more for insurance.

Traffic Fatalities

In 2016, there were 536 traffic fatalities in Washington, a 16 percent increase from 462 traffic fatalities in 2014.

Vehicle Thefts

Washington had 32,286 vehicle thefts reported in 2016. This is a 5.3 percent increase over the 30,647 vehicles reported stolen in 2014. According to the Insurance Information Institute, Washington ranked #4 in reported vehicle thefts.

Top Ten Most Stolen Vehicles in Washington

Source: National Insurance Crime Bureau - Hot Wheels Report 2016

Top 10 Most Stolen Vehicles in Washington

Source: National Insurance Crime Bureau - Hot Wheels Report 2014
Rank Year Model
1 1997 Honda Accord
2 1998 Honda Civic
3 1999 Ford Pickup (Full Size)
4 1994 Acura Integra
5 1991 Toyota Camry
6 1996 Suburu Legacy
7 1997 Chevrolet Pickup (Full Size)
8 1999 Honda CR-V
9 1998 Toyota Corolla
10 1994 Jeep Cherokee/Grand Cherokee

Car Insurance Discounts in Washington

If you're looking to save money on your car insurance, there are many auto discount options for Washington drivers:

  1. Shop around and compare auto insurance in Washington
  2. Avoid tickets and accidents, clean driving records add up to lower rates
  3. Bundle your auto insurance with homeowners or renters insurance. Bundles can earn you up to 15 percent in discounts
  4. Buy a new car. Many insurers offer a new car discount
  5. Buy a car with modern safety features and anti-theft devices
  6. Take a defensive driving course from a certified driving school
  7. If you're married, insurers often offer discounts to married couples
  8. Live in an area with low crime rates. Drivers in high-risk neighborhoods tend to file more claims
  9. Insurers offer discounts to drivers 55 and up
  10. Drop comprehensive coverage from your policy

Rate Methodology

1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

2 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.

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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