How Much Is Car Insurance in Washington? Rates by Coverage Level, Age, Driving History and Location

The average cost of car insurance in Washington is $1,264 per year, which is lower than the national average of $1,424 and 32nd in cost in the country. This average is for multiple locations and companies for a single driver. MoneyGeek also categorized averages based on coverage level, age, driving history, credit score and location.

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The average cost of car insurance in Washington is $1,264 per year. This average takes into account a 40-year old driver with a full coverage policy and a spotless record.

A minimum car insurance coverage for the same driver would cost $728 on average per year in Washington. Car insurance costs can vary widely depending on the driver profile. Adding a young driver to a full coverage policy would cost an additional $2,731 per year on average.

MoneyGeek classified the average costs in Washington based on multiple factors to give you a better idea of the rates.

Average Cost of Car Insurance in Washington: Summary

MoneyGeek has considered the most critical factors while classifying the average car insurance costs in Washington.

Your age and credit score have the highest impact on car insurance costs in the state.

You can click to find out more about costs based on different driver profiles.

Average Costs of Car Insurance in Washington

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Why Are Car Insurance Rates Average in Washington?

Our analysis shows that Washington is ranked 32nd among all states when it comes to the average annual car insurance rates in the country. This is a moderate ranking.

MoneyGeek’s research shows that Washington ranks fifth among all states when it comes to the percentage of uninsured drivers and also has a relatively high percentage of urban population as a share of its total population. The state ranks 11th in the country for theft and vandalism.

All the above factors contribute to average annual car insurance costs in the state.

Average Cost of Car Insurance in Washington: Full Coverage vs. Minimum Coverage

The cost for a minimum coverage policy in Washington is $728 per year on average, whereas a full coverage policy costs $1,264 on average per year. These figures are based on MoneyGeek’s methodology.

The difference between the minimum and maximum average annual cost of car insurance is $536.

The cost of car insurance in Washington can vary considerably based on the type of coverage you opt for. You will have to pay more for a policy with more features and higher coverage.

There are a variety of car insurance policies available, such as liability coverage, collision insurance and comprehensive coverage. If you buy full coverage car insurance, you get maximum coverage, but it will cost you more.

Average Cost of Car Insurance in Washington by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in Washington - By Company

Your annual car insurance expenses depend on the insurer you choose. Progressive provides the cheapest liability-only car insurance in Washington, while PEMCO offers the cheapest full coverage car insurance policy.

MetLife offers the most expensive minimum coverage and full coverage car insurance policies.

USAA is also a cost-effective option, but it is only available to military families.

Average Annual Costs of Car Insurance in Washington - By Company

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How Much Is Car Insurance in Washington by Age

Age is a crucial factor that determines car insurance rates in Washington. Car insurance companies consider young drivers high-risk applicants as they are more likely to be involved in accidents than their older counterparts leading to higher insurance costs.

MoneyGeek’s research indicates an average annual difference of $1,467 between the cost of adding a 16-year old to a policy compared to a 40-year old buying their own policy.

If you are a young driver, you can save on car insurance costs by getting added to your parent’s insurance plan. If you have just started driving, your insurance rates would be similar to those extended to teenagers since first-time drivers are treated the same as young ones.

Average Costs of Full Coverage Car Insurance in Washington - By Age

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How Does Driving History Affect Car Insurance Costs in Washington?

Drivers who have been involved in road accidents or have multiple violations against their names are categorized as high-risk and will have to pay more as compared to those with a flawless history. Such drivers can still get affordable car insurance options in Washington.

Our research shows that drivers with a speeding ticket will have to pay $258 more per year on average than those who have a clean history. Car insurance costs become more expensive depending on the severity of the violation.

Average Costs of Full Coverage Car Insurance in Washington - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $1,264
  • Speeding Ticket
    $1,522
  • At-Fault Accident
    $2,186
  • DUI
    $2,172

Credit Scores and the Cost of Car Insurance in Washington

If you live in Washington, your credit score will play a significant role in determining your average annual car insurance costs.

MoneyGeek analyzed that drivers with a poor credit score in Washington pay an average of $804 more per year compared to those with a good credit score. With an excellent credit score, you’ll pay an average of $212 less per year than those with a good credit score.

You can save significantly on car insurance costs with a good credit score. While having a bad credit score means you’ll have to pay more, you can still find affordable insurance plans in Washington.

Average Costs of Full Coverage Car Insurance in Washington - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $1,057
  • Good
    $1,269
  • Fair
    $1,495
  • Below Fair
    $1,769
  • Poor
    $2,073

How Much Is Car Insurance in Your City?

While car insurance costs do differ from one state to another, they may also vary considerably within a state.

Our analysis shows that Spokane has the lowest average annual car insurance costs while Tacoma has the highest car insurance rates in Washington.

The cost of car insurance in Spokane is $1050 per year on average, whereas in Tacoma, the average cost is $1,358.

Densely populated cities or those with higher chances of road accidents and natural disasters tend to have higher car insurance rates.

Average Costs of Full Coverage Car Insurance in Washington - By City

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Frequently Asked Questions About Washington Car Insurance Rates

The following questions are frequently asked by drivers who are interested in knowing more about car insurance rates in Washington.

Methodology

Car insurance quotes were collected in Washington in collaboration with Quadrant Information Services. Policies were for a 40-year-old driver with a safe driving record and full coverage unless altered by the factors described above, including coverage levels, age, driving violations and credit score. The specific limits of the full coverage policy are described on our methodology page.

MoneyGeek also collected data on traffic, uninsured motorists, the urban share of the population and motor vehicle theft rates.

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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