The Cheapest Car Insurance in Washington for 2022

The cheapest car insurance in Washington is a minimum coverage policy from Progressive, which costs about $495 per year.

MoneyGeek gathered auto insurance quotes in Washington to determine the lowest rates for various driver profiles. For example, drivers with tickets or other offenses may get better rates from GEICO and PEMCO. We also found that you can save up to $1,193 on your annual auto insurance by comparing quotes.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/25/2022
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For those looking for a more local solution, we broke down the cheapest companies by city in Washington. MoneyGeek also listed the best car insurance companies in Washington for drivers who are looking to balance quality service and cost.

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Methodology

Why Trust MoneyGeek? Washington car insurance rates in this study are based on our analysis of data and information from the Washington Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Washington have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Washington

Liability car insurance is the most economical car insurance option available. However, it only covers the other driver's costs if you're at fault in an accident. Covering your own expenses requires comprehensive and collision coverage.

On average, the cheapest car insurance companies in Washington for minimum coverage are:

  • Progressive: $495 per year
  • GEICO: $505 per year

USAA offers an even lower average annual rate of $363, but its policies are only available to military families. The most expensive car insurance for minimum coverage is Farmers, at an average annual cost of $1,082.

CHEAPEST MINIMUM CAR INSURANCE IN WASHINGTON

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These prices are only estimates based on rates for an average Washington driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Washington

A full coverage policy is more expensive than a liability policy, but it covers the costs of damages to your car and the other driver’s. To protect you against most road accidents and off-road accidents, a full coverage policy with comprehensive and collision insurance in Washington is ideal. Comparing car insurance quotes can reduce your costs.

On average, the most affordable car insurance carriers for a full coverage policy in Washington are:

  • PEMCO: $895 per year
  • GEICO: $919 per year

If you're a member of a military family, you can get USAA coverage for just $713 annually on average. Farmers is the costliest provider of full coverage, with average rates of $1,907 per year.

CHEAPEST FULL COVERAGE CAR INSURANCE IN FLORIDA

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Remember — your premiums will vary from these examples. The costs included above are for a policy with comprehensive and collision insurance and $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap Washington Car Insurance Quotes Online

Most insurers provide relatively accurate quotes on their websites. When you use these tools to receive quotes from multiple providers, be sure to use consistent limits. For example, if you get a quote from one company for $100,000 in bodily injury liability insurance, you should use the same limit when comparing quotes with another provider.

You can also use MoneyGeek’s price information to find quality company websites to shop on. Get a quote estimate without entering personal information with MoneyGeek’s car insurance calculator. All you need to get started is your ZIP code. You may need to enter more details if you want a personalized quote. USAA, Progressive and GEICO offer the cheapest liability coverage in Washington, so we recommend you start your search with one of these providers.

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Cheapest Car Insurance in Washington for Young Drivers

Since younger drivers are inexperienced on the road, their car insurance premiums are significantly higher due to their increased risk. Compared to a 25-year-old with an average annual premium of $1,308, a 16-year-old will need to pay more than double at $3,149 per year for a similar policy.

In Washington, GEICO usually offers the cheapest car insurance policies for young drivers. On average, it has the cheapest rates for drivers between the ages of 16 and 25.

ANNUAL CAR INSURANCE IN WASHINGTON FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $3,149
    GEICO
    $2,565
  • $2,967
    GEICO
    $2,565
  • $2,615
    GEICO
    $2,392
  • $2,706
    GEICO
    $2,069
  • $2,340
    GEICO
    $1,737
  • $1,887
    GEICO
    $1,538
  • $1,740
    GEICO
    $1,445
  • $1,557
    GEICO
    $1,268
  • $1,438
    GEICO
    $1,218
  • $1,308
    GEICO
    $1,048

Teen drivers are often more expensive to insure due to their lack of experience behind the wheel. This puts them at a higher risk of being in an accident. To keep premiums down, don’t be afraid to ask your insurance provider for student discounts and the different options available for cheap car insurance for teenagers in Washington.

GEICO, which offers the cheapest policies to both age groups, charges an average of $1,048 per year to 25-year-old drivers versus $2,565 per year to drivers who are 16 years of age.

Cheapest Car Insurance in Washington for Seniors

Car insurance for seniors in Washington tends to be slightly more expensive than it is for middle-aged and young adult drivers. The average cost of car insurance for senior drivers in Washington is $1,318 per year, compared to $1,264 for the average 40-year-old driver.

On average, the cheapest car insurance providers in Washington for senior drivers with full coverage are:

  • GEICO: $855 per year
  • PEMCO: $995 per year

If you or a family member are in the military or a veteran, USAA can provide cheaper coverage for seniors, averaging $841 annually. Farmers charges approximately $2,139 annually for senior drivers in Washington, making it the most expensive option.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Senior drivers face a unique set of challenges behind the wheel. They face a number of physical changes due to age, including vision impairment and shorter attention spans, which can be dangerous.

If you’re searching for cheap car insurance for seniors in Washington, speak with auto insurance companies about senior driver discounts to help lower your rates. Comparing insurers also means extra savings. You could save up to $2,184 annually by shopping around.

Cheapest Car Insurance for Drivers With Tickets in Washington

You should try to avoid even minor violations like distracted driving since one ticket can increase your auto insurance prices. A Washington driver with a speeding ticket on their record pays an average annual amount of $1,703 for their car insurance, compared to $1,414 for the average driver with a clean record.

On average, the most affordable car insurance companies in Washington for a driver with a speeding ticket and full coverage are:

  • GEICO: $919 per year
  • PEMCO: $1,105 per year

USAA offers insurance to military drivers with tickets for an average annual rate of $835. Farmers charges the highest premiums of roughly $2,504 for drivers in Washington who have tickets.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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If you are cited with a speeding or distracted driving ticket, some insurance companies will offer a reduced premium if you take a defensive driving course. Be sure to speak with your insurer — or compare car insurance quotes from multiple sources — to discuss the best option for you.

Cheapest Car Insurance for Drivers With a DUI in Washington

In Washington, a driver with a DUI is charged an average annual rate of $2,172 for their car insurance coverage, compared to $1,264 for the average driver with a clean record.

On average, the cheapest car insurance companies in Washington for a driver with a DUI and full coverage are:

  • State Farm: $1,167 per year
  • Progressive: $1,328 per year

The most expensive insurer in Washington for drivers with a DUI is American Family at roughly $2,963 annually.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Whether or not your DUI results in an accident, having this on your record will result in huge implications for your life. This includes your car insurance rates. A driver cited with a DUI in Washington can face jail time, receive up to $5,000 in fines and have their license revoked.

Comparing providers could translate to savings of around $1,796 if you choose the cheapest insurer as opposed to the most expensive one.

Cheapest in Washington for Drivers With an At-Fault Accident

A bad driving record that includes an at-fault accident automatically increases your risk to insurers and, therefore, your monthly premiums. Drivers in Washington with at-fault accidents pay an average of $2,446 annually.

Car insurance companies in Washington with the cheapest average rates for drivers with an at-fault accident are:

  • PEMCO: $1,210 per year
  • State Farm: $1,264 per year

If you’re from a military family, USAA offers an even cheaper rate at $1,009 per year on average. At roughly $2,631 annually, Farmers is the most expensive option for drivers in Washington with an at-fault accident.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in Washington for Drivers With Bad Credit

A good credit score can reduce your car insurance premiums. On the flip side, drivers with lower credit scores are charged higher premiums. A driver with bad credit pays $2,319 per year for auto insurance in Washington, compared to $1,414 for an average driver with a good credit score.

On average, the least expensive car insurers in Washington for a driver with poor credit and full coverage are:

  • GEICO: $1,494 per year
  • Allied: $1,644 per year

If you or a family member are in the military, you can purchase USAA coverage with bad credit for $1,065 annually on average. Farmers has the most expensive rates at an average of $2,904 annually.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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If you have a low credit score, ask prospective insurance companies if they use credit information, how they look at this data and how it will impact your rates. Understand how to improve your credit score to get the best insurance rates.

Requesting a quote from multiple providers and comparing your options translates to savings. Drivers in Washington could save as much as $1,410 per year just by choosing GEICO, the cheapest provider, over Farmers, the most expensive provider in the state.

Cheapest Car Insurance in Washington for Military Drivers

USAA is the cheapest car insurance company in Washington for people with an eligible military background, averaging $363 per year for minimum coverage. That’s around $132 less than Progressive, which ranked second, with an annual average premium of $495.

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USAA
  • Average rate: $363 per year
  • Ranks the cheapest out of 10 insurers

Veterans and active military personnel can purchase the most affordable auto insurance in Washington from USAA. Even with its already low rates, you can lower your premium if you qualify for some of its discounts, like bundling and insuring multiple cars. To get the bundling discount, you must have multiple policies with USAA, such as home or renters and auto. USAA also has a unique discount that serves active duty military well: vehicle storage. You can get a maximum 60% discount for storing a vehicle you insure. There’s also a discount for vehicles three years old or newer.

Cheapest Car Insurance in Washington by City

Within Washington, rates can greatly differ between cities. Based on full coverage car insurance, drivers in Spokane pay an average of $1,050 per year, the cheapest among the cities in the state. On the other hand, drivers in Tacoma see the most expensive car insurance rates at $1,358 on average per year.

Check the average car insurance cost in your area by clicking on your city.

AVERAGE INSURANCE RATE BY CITY IN WASHINGTON

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Car Insurance in Washington: What You Need to Know

Washington state has minimum liability coverage requirements for car insurance, but it also has alternatives you can consider.

Washington Insurance Requirements

All motor vehicle owners registered in Washington must have insurance or show other evidence of financial responsibility. Always carry your Washington motor vehicle insurance identification card in your vehicle at all times. If you don't have proof of this when pulled over by the police, they may ticket and fine you.

Washington requires that all drivers have at least the following levels of coverage in the event of a crash:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death per accident
  • $10,000 for property damage per accident

Insurance experts generally recommend carrying more than the minimum amount of insurance by law. The amount you need depends on your situation. For example, since Washington has a high rate of uninsured motorists, you may need uninsured motorist insurance. You’ll also want collision and comprehensive insurance for better protection.

There are a few alternatives to purchasing insurance, but they are costly and cumbersome. These include:

  • Certificate of deposit for at least $60,000, set up with the Department of Licensing
  • Liability bond for at least $60,000, filed by a surety bond company authorized to do business in Washington
  • Self-insurance (if you own more than 25 vehicles)

If you are unable to buy automobile insurance in the private market due to your driving record, you can check the state's Automobile Insurance Plan for high-risk drivers. In Washington, another alternative is having the driver pay a $60,000 bond or deposit to the state, which holds you financially responsible should you ever be at fault in an accident.

FAQs About Car Insurance in Washington

To help consumers make an educated purchasing decision, MoneyGeek answered the most common questions about auto insurance policies and prices in Washington.

Expert Advice on Finding Cheap Car Insurance in Washington

To help you find credible and accurate insight on car insurance in Washington, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Washington should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Washington take to find affordable car insurance?
  3. How do regulations and rules in Washington impact insurance pricing and how consumers might shop for coverage?
Randy Beavers
Randy Beavers

Assistant Professor of Finance at Seattle Pacific University

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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