We've gathered essential tips to help you shop for car insurance in Washington with confidence and save money.
Car Insurance Calculator Washington
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Washington will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Washington can range anywhere from $661 to $4,418 per year depending on a variety of factors.
To get the best deal on Washington car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Washington Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary upselling. Evaluate factors like your location, driving habits, vehicle and financial situation. Use our calculator to assess how much coverage you need.
Research Costs and Discounts for You
Investigate the average car insurance costs in Washington for your chosen coverage and driver profile. Look for discounts that apply to you to maximize savings when discussing options with agents.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, obtain provider estimates before quotes. This helps identify potential providers offering the cheapest car insurance in Washington for your needs. Start with our insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to substantial savings in Washington. Savings can reach 54% on full coverage and 57% on minimum coverage. Use various platforms like comparison sites, brokers, insurers’ websites, and direct agencies to find the best rates.
Take Advantage of Washington-Specific Programs
If you're a high-risk driver, Washington provides safe driving courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for low-mileage drivers. Telematics insurance, which tracks driving habits, can offer discounts up to 40%. Automaker insurance programs may also provide cost-effective alternatives with added benefits.
What Affects Your Washington Car Insurance Estimates?
Overall, your car insurance premium in Washington is calculated based on four core areas including vehicle details, your driver profile, location and the provider you choose. You can click on the links below to learn more about how each affects rates particular to Washington drivers:
How Much Does Provider Chosen Affect Washington Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Washington. Depending on the provider, your rates can drop 52% or increase by as much as 219% compared to the average for Evergreen State drivers.
| Lowest | PEMCO | $55 | $662 |
| Highest | Dairyland | $368 | $4,418 |
How Much Does Age Affect Washington Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Washington drivers. Depending on your age, your rates can go up as much as 95% or decrease by as much as 38% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $115 | $1,383 |
| Highest | 16 | $406 | $4,875 |
How Much Does Credit Affect Washington Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Washington, rates can vary from $90 to $98 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $90 | $1,083 |
| Highest | Poor | $98 | $1,176 |
How Much Does Coverage Affect Washington Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, causing rates to vary anywhere from $714 per year for minimum coverage to $1,651 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $60 | $714 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $138 | $1,651 |
How Much Does Driving Record Affect Washington Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Washington with rates changing up to 18%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $116 | $1,387 |
| Highest | DUI - BAC >= .08 | $179 | $2,146 |
Washington Car Insurance Calculator: Bottom Line
Before you dive in, make sure to look at costs, coverage options and different insurers. Then, use our car insurance calculator for an estimate. Compare these numbers with other quotes you gather, checking them side by side. This way, you'll land the most affordable plan that fits just right for you.
Washington Car Insurance Estimate: FAQ
Below you will find answers to common questions about Washington car insurance costs and estimates.
What is used to determine Washington car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Washington car insurance on average?
Washington car insurance averages between $56 and $264 monthly. Depending on your unique profile and coverage chosen, car insurance can range from $56 per month to up to $264 monthly on average.
How do I get the best car insurance in Washington?
To secure the best car insurance in Washington, assess your coverage needs, compare provider options and rates, and leverage a car insurance calculator to pinpoint optimal and cost-effective policies.
Our Washington Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.