Cheapest Car Insurance in Washington (June 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Contributions by 2 experts
fact checked icon

Updated: June 14, 2024

Advertising & Editorial Disclosure

PEMCO offers the most affordable auto insurance in Washington for most drivers. Kemper, State Farm, Farmers and USAA* also provide the cheapest rates for certain types of drivers.

If quality service and affordability matter most to you, we’ve also analyzed the best car insurance in Washington.

Why Trust MoneyGeek? MoneyGeek is a trusted source for car insurance data analysis. We source our data from Washington’s Office of the Insurance Commissioner and Quadrant Information Services. We also continually update our rates to ensure we are identifying the cheapest lenders for most driver profiles.

recency icon

These rates reflect the cheapest car insurance quotes in Washington as of June 2024.

81,780Quotes Analyzed
 
15Companies Compared
 
88ZIP Codes

Cheapest Minimum Liability Car Insurance in Washington (June 2024)

According to our research of car insurance policies that comply with Washington's minimum state requirements, the most affordable providers are:

  • PEMCO: $349 per year
  • Auto-Owners: $405 per year

In Washington, Dairyland has the highest minimum coverage car insurance rate, at an average annual cost of $1,943.

The minimum car insurance requirement in the Evergreen State is liability coverage, which includes bodily injury per person and per accident and property damage per accident.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
PEMCOAnnual Premium$349Monthly Premium$29
Auto-Owners Insurance CoAnnual Premium$405Monthly Premium$34
State FarmAnnual Premium$416Monthly Premium$35
FarmersAnnual Premium$421Monthly Premium$35
NationwideAnnual Premium$487Monthly Premium$41
ProgressiveAnnual Premium$507Monthly Premium$42
TravelersAnnual Premium$552Monthly Premium$46
ChubbAnnual Premium$561Monthly Premium$47

It would help if you had more than a minimum coverage policy to protect your car from damage. Such policies only cover damages or injuries you inflict on others, not damages to your vehicle.

To be fully protected, you'll need to purchase a policy with comprehensive and collision insurance, otherwise known as a full coverage policy.

Compare Auto Insurance Rates

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

Find the Best Car Insurance in Washington for You

 

The cost of your insurance policy may vary depending on your individual preferences and any additional coverage requirements. The rates listed in the table above are for a basic policy with minimum coverage.

Determine how much car insurance you need before purchasing a policy.

stats_washington.png
Fast fact icon

MoneyGeek evaluated the leading insurers in Washington that balance quality service and affordability.

Fast fact icon

We conducted research to calculate the average annual car insurance premiums in Washington, allowing drivers to compare costs based on their individual circumstances.

Cheapest Full Coverage Car Insurance in Washington (June 2024)

On average, the most affordable full coverage car insurance providers in Washington are:

  • PEMCO: $793 per year
  • Nationwide: $806 per year

At roughly $4,290 per year, Dairyland offers the most expensive full coverage insurance in Washington.

Ensuring your car is adequately covered with comprehensive and collision insurance can come at an extra cost. For instance, PEMCO's full coverage option is $444 more expensive than its minimum coverage option.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
PEMCOAnnual Premium$793Monthly Premium$66
NationwideAnnual Premium$806Monthly Premium$67
Auto-Owners Insurance CoAnnual Premium$823Monthly Premium$69
KemperAnnual Premium$827Monthly Premium$69
FarmersAnnual Premium$868Monthly Premium$72
ProgressiveAnnual Premium$878Monthly Premium$73
State FarmAnnual Premium$921Monthly Premium$77
American FamilyAnnual Premium$995Monthly Premium$83

The amount of car insurance you need will impact your rate. MoneyGeek's sample full coverage policy provides liability protection, including:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury
  • $100,000 per accident for property damage

If you'd like to save money on your insurance premium, you can opt for lower liability limits, forgo comprehensive and collision insurance or raise your deductible. However, you would likely need more coverage if you get into an accident.

How to Compare Cheap Washington Car Insurance Quotes Online

Finding the best car insurance quotes in Washington can be time-consuming. Most insurers provide online quote tools, but some of these can take up to 15 minutes to complete, and you still need to repeat the process to multiple provider sites to obtain the cheapest quote.

MoneyGeek’s car insurance calculator is designed to help you get a quick estimate of your car insurance premiums without having to provide specific personal information. This is a helpful starting point for comparing car insurance quotes and finding the cheapest policy for your needs.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jul 12, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Cheapest Car Insurance in Washington by Age (June 2024)

Age is one of the biggest factors affecting car insurance rates in Washington. Kemper, PEMCO and Auto-Owners offer the cheapest options, depending on what age group you and your family belong to.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Kemper
Cheapest for young adults: PEMCO
Cheapest for seniors: Auto-Owners

Cheapest Car Insurance in Washington for Teens and Their Families (June 2024)

MoneyGeek found that the most cost-effective options for teens and their families in Washington are:

  • Kemper: $1,793 per year for male teens and $1,726 per year for female teens
  • Capital Insurance Group: $2,002 per year for male teens; Allstate: $1,929 per year for female teens

Families with male and female teens will have the highest average annual premium from Progressive, amounting to $4,323 and $3,912, respectively.

Generally, car insurance rates for teens decrease as they get older. Capital Insurance Group is the cheapest insurer for 19-year-old males in Washington, costing around $1,627 annually.

The cost of a separate policy for a 16-year-old in Washington is around $5,104 per year, whereas it only costs $2,723 to add them to their parent's existing policy — a difference of $2,381. It is generally more cost-efficient to add a teen to a parent's policy than to purchase a separate one.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
KemperFamily Plan Annual Premium$1,726Individual Plan Annual Premium$2,133
AllstateFamily Plan Annual Premium$1,929Individual Plan Annual Premium$6,689
Capital Insurance GroupFamily Plan Annual Premium$2,036Individual Plan Annual Premium$2,823
NationwideFamily Plan Annual Premium$2,047Individual Plan Annual Premium$5,735
TravelersFamily Plan Annual Premium$2,286Individual Plan Annual Premium$4,090
State FarmFamily Plan Annual Premium$2,431Individual Plan Annual Premium$3,039
FarmersFamily Plan Annual Premium$2,812Individual Plan Annual Premium$4,804
GEICOFamily Plan Annual Premium$2,932Individual Plan Annual Premium$6,506
mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families looking to save on car insurance may be able to get discounts for young drivers. Kemper offers a good student discount to drivers who earn good grades in school.

Allstate also offers driver education, distant and good student discounts. Driver education discounts are available to drivers who have taken a teenSMART driver education course, and the distant student discount is available to drivers who live away from home and do not have regular access to a vehicle.

Cheapest Car Insurance in Washington for Young Adults (June 2024)

The cheapest auto insurer for drivers in their 20s are:

  • PEMCO: $996 per year
  • Farmers: $1,046 per year

At about $6,187, Dairyland is the most expensive insurer for young adults in Washington.

Research shows that drivers in their 20s often pay more than middle-aged drivers, even with the cheapest company. On average, young adult drivers pay $412 more than their middle-aged counterparts because they are considered riskier to insure.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
PEMCOAnnual Premium$996Monthly Premium$83
FarmersAnnual Premium$1,046Monthly Premium$87
American FamilyAnnual Premium$1,059Monthly Premium$88
ProgressiveAnnual Premium$1,081Monthly Premium$90
KemperAnnual Premium$1,202Monthly Premium$100
Auto-Owners Insurance CoAnnual Premium$1,218Monthly Premium$102
NationwideAnnual Premium$1,222Monthly Premium$102
State FarmAnnual Premium$1,241Monthly Premium$103

Cheapest Car Insurance in Washington for Seniors (June 2024)

The following companies offer the cheapest auto insurance rates to seniors in Washington:

  • Auto-Owners: $737 per year
  • Kemper: $739 per year

Dairyland is the most expensive insurance provider for Washington seniors, at an average of $3,850 per year. Older drivers usually get a slight discount on their car insurance premiums compared with middle-aged drivers, though the exact amount depends on the insurer.

Generally, those in their 60s pay about $3 more than those in their 40s. Those in their 70s or older often see higher premiums due to their heightened risk of getting into an accident caused by age-related issues, such as weaker reflexes and decreased eyesight.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
Auto-Owners Insurance CoAnnual Premium$737Monthly Premium$61
KemperAnnual Premium$739Monthly Premium$62
NationwideAnnual Premium$823Monthly Premium$69
PEMCOAnnual Premium$846Monthly Premium$71
State FarmAnnual Premium$865Monthly Premium$72
FarmersAnnual Premium$867Monthly Premium$72
ProgressiveAnnual Premium$961Monthly Premium$80
American FamilyAnnual Premium$1,026Monthly Premium$86

Older adult drivers may be able to find discounted auto insurance rates through certain providers. For example, Kemper, GEICO and Allstate offer senior driver discounts. Additionally, seniors should compare companies to find the most affordable option, as insurers consider several factors besides age when calculating rates.

Cheapest Car Insurance for Higher Risk Drivers (June 2024)

Drivers in Washington with speeding tickets on their record and those with poor credit can take advantage of the low premiums offered by PEMCO. For drivers with an at-fault accident, Kemper offers the most affordable rates. Farmers is the most affordable for those with sports cars, and State Farm is cheapest for drivers with DUIs.

To further reduce insurance costs, drivers should consider taking state-approved driving courses and regularly checking their records for errors. They can then improve their profile and access more affordable insurance options.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: PEMCO ($987 per year)
Cheapest after an accident: Kemper ($1,075 per year)
Cheapest after a DUI: State Farm ($1,051 per year)
Cheapest for poor credit: PEMCO ($791 per year)
Cheapest for sports cars: Farmers ($865 per year)

Cheapest Car Insurance in Washington After a Ticket

MoneyGeek found that the cheapest car insurance companies for Washington drivers with a speeding ticket are:

  • PEMCO: $987 per year
  • Kemper: $1,044 per year

Dairyland is the most expensive insurer for drivers with a ticket at around $4,990 per year. On average, full coverage car insurance in Washington costs up to $341 more if you have a speeding ticket than if you are a driver with a clean record.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
PEMCOAnnual Premium$987Monthly Premium$82
KemperAnnual Premium$1,044Monthly Premium$87
FarmersAnnual Premium$1,050Monthly Premium$88
State FarmAnnual Premium$1,051Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,127Monthly Premium$94
ProgressiveAnnual Premium$1,181Monthly Premium$98
American FamilyAnnual Premium$1,187Monthly Premium$99
NationwideAnnual Premium$1,382Monthly Premium$115

Cheapest Car Insurance in Washington After an Accident

Washington drivers with an at-fault accident on their record can still find affordable auto insurance with the following companies:

  • Kemper: $1,075 per year
  • PEMCO: $1,082 per year

Dairyland is the most expensive insurer for those who have been in an at-fault accident, with an average annual premium of $5,447. On average, at-fault drivers pay $553 more than those with a clean driving history.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
KemperAnnual Premium$1,075Monthly Premium$90
PEMCOAnnual Premium$1,082Monthly Premium$90
Auto-Owners Insurance CoAnnual Premium$1,099Monthly Premium$92
State FarmAnnual Premium$1,148Monthly Premium$96
American FamilyAnnual Premium$1,228Monthly Premium$102
FarmersAnnual Premium$1,245Monthly Premium$104
NationwideAnnual Premium$1,580Monthly Premium$132
TravelersAnnual Premium$1,690Monthly Premium$141

Cheapest Car Insurance in Washington After a DUI

MoneyGeek found that the cheapest auto insurance companies in Washington after a DUI are:

  • State Farm: $1,051 per year
  • Progressive: $1,095 per year

Kemper is the least affordable option for a full coverage policy after a DUI, costing around $4,367 per year. After a DUI in Washington, you will pay up to $682 more per year for car insurance compared with those with a clean record.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$1,051Monthly Premium$88
ProgressiveAnnual Premium$1,095Monthly Premium$91
FarmersAnnual Premium$1,127Monthly Premium$94
American FamilyAnnual Premium$1,187Monthly Premium$99
PEMCOAnnual Premium$1,311Monthly Premium$109
Auto-Owners Insurance CoAnnual Premium$1,516Monthly Premium$126
ChubbAnnual Premium$1,702Monthly Premium$142
AllstateAnnual Premium$1,737Monthly Premium$145

Cheapest Car Insurance in Washington for Drivers With Poor Credit (June 2024)

The cheapest car insurance companies in Washington for drivers with poor credit are:

  • PEMCO: $791 per year
  • Auto-Owners: $823 per year

Dairyland provides the most charges expensive car insurance policy for those with a low credit score at $4,290 per year.

Drivers with low credit scores generally pay more for car insurance than those with higher credit scores. Someone with a credit score above 750 can expect to pay around $61 less for car insurance in Washington than someone with a lower credit score.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
PEMCOAnnual Premium$791Monthly Premium$66
Auto-Owners Insurance CoAnnual Premium$823Monthly Premium$69
KemperAnnual Premium$827Monthly Premium$69
FarmersAnnual Premium$890Monthly Premium$74
ProgressiveAnnual Premium$909Monthly Premium$76
NationwideAnnual Premium$917Monthly Premium$76
State FarmAnnual Premium$954Monthly Premium$80
American FamilyAnnual Premium$995Monthly Premium$83

Insurers often use a driver's credit history to help determine their risk profile and likelihood of filing a claim. A lower credit rating often indicates a greater likelihood of filing a claim, so insurers may charge higher rates to drivers with poor credit.

To save money, drivers can look for insurers that offer discounts, such as bundling, car safety features and other typical discounts. Over time, improving your credit score will help with car insurance rates.

Cheapest Car Insurance in Washington for Sports Cars (June 2024)

The least expensive auto insurance providers for sports car drivers in Washington are:

  • Farmers: $865 per year
  • Auto-Owners: $885 per year

Dairyland offers Washington's costliest sports car insurance at $3,928 per year. Since sports cars tend to be more expensive to repair and replace, auto insurance for sports car drivers costs about $82 more than for Toyota Camry LE drivers in Washington.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
FarmersAnnual Premium$865Monthly Premium$72
Auto-Owners Insurance CoAnnual Premium$885Monthly Premium$74
American FamilyAnnual Premium$937Monthly Premium$78
KemperAnnual Premium$1,006Monthly Premium$84
ProgressiveAnnual Premium$1,081Monthly Premium$90
TravelersAnnual Premium$1,148Monthly Premium$96
State FarmAnnual Premium$1,182Monthly Premium$98
NationwideAnnual Premium$1,261Monthly Premium$105

MoneyGeek used a Ford Mustang as its sample vehicle when researching insurance costs associated with sports cars. However, insurance costs can differ significantly depending on the type and model of a car. Luxury, electric and sports cars tend to be much more expensive to insure than other model types, but this may not be true in your state. The model may not always affect insurance costs, but this should be considered when comparing policies.

Cheapest Car Insurance in Washington for Military Drivers (June 2024)

USAA provides the most affordable car insurance rates for military members at an average of $653 per year. It also offers discounts for active duty and retired military personnel.

mglogo
MoneyGeek Top Pick
USAA
  • Annual premium: $653
  • Cheapest, ranking first out of 15 companies

USAA offers a military discount, leading to additional savings on its already competitive car insurance premiums.

Cheapest Car Insurance in Washington by City

The cost of car insurance in Washington can vary significantly depending on where you live. Drivers in Spokane can get the most affordable full coverage car insurance from Kemper at about $827 per year. Car insurance is most expensive in Renton, where a full coverage policy from Kemper averages $1,082 per year.

BellevueCheapest CompanyKemperAnnual Premium$899
EverettCheapest CompanyKemperAnnual Premium$1,006
KentCheapest CompanyKemperAnnual Premium$1,013
RentonCheapest CompanyKemperAnnual Premium$1,082
SeattleCheapest CompanyKemperAnnual Premium$1,006
SpokaneCheapest CompanyKemperAnnual Premium$827
TacomaCheapest CompanyKemperAnnual Premium$1,028
VancouverCheapest CompanyKemperAnnual Premium$897

Car Insurance in Washington: What You Need to Know

Washington state requires that all drivers carry a minimum of bodily injury liability and property damage liability coverage. This type of coverage protects in the event of an at-fault accident, covering medical expenses and other associated costs.

In addition to the compulsory minimums, insurers in Washington also offer optional coverage, such as medical payments coverage, uninsured/underinsured motorists coverage and personal injury protection. Although these are not required by law, they provide additional protection in the event of an accident.

Washington Car Insurance Requirements

In Washington, drivers must purchase auto insurance with minimum liability coverage, which includes bodily injury, property damage and personal injury protection. This level of insurance is less expensive but offers less protection in case of an accident.

If you receive a high-risk traffic violation, such as a speeding ticket or DUI, you may need to obtain SR-22 insurance. This specialized coverage is more expensive than regular auto insurance, and your insurance provider submits the SR-22 form to the state on your behalf.

    male icon

    Bodily Injury Liability

    Bodily injury liability coverage in Washington helps protect drivers from financial loss if they are found to be at fault for an accident resulting in injury or death to another person. It pays for medical expenses, lost wages, pain and suffering, and other expenses. The minimum limit for bodily injury liability in Washington is $25,000 per person and $50,000 per accident. This coverage will not pay for damages to your vehicle or property or any legal fees.

    accident2 icon

    Property Damage Liability

    Property damage liability coverage in Washington helps protect drivers from financial loss if they are found to be at fault for an accident resulting in damage to another person’s property. This coverage pays for repairs to the other person’s vehicle and any other property damage. Washington state requires a minimum of $10,000 in property damage liability coverage. This coverage will also pay for legal costs if the policyholder is sued.

    The downside of buying only the minimum liability coverage is that it may not provide enough coverage to cover all the expenses associated with an accident. After a serious accident, medical bills and other costs can quickly add up and exceed the minimum coverage limits, leaving you responsible for the difference.

MoneyGeek recommends getting $100,000 in bodily injury liability insurance per person and $300,000 in bodily injury liability insurance per accident. Bodily injury liability insurance helps protect you if you are legally responsible for an accident injuring someone. It pays for medical bills, lost wages, pain and suffering and other costs associated with an accident.

MoneyGeek also recommends getting $100,000 in property damage insurance per accident. Property damage liability insurance helps protect you if you are legally responsible for an accident that damages someone else’s property.

Those who finance their car purchase will likely have to buy comprehensive and collision insurance. Comprehensive insurance covers damage to your car from non-accident causes, such as theft, vandalism and fire. Collision insurance covers damage to your car from an accident with another vehicle or object.

We advise those with valuable cars to consider buying comprehensive and collision insurance even if they didn't take out a loan or lease your car.

Car Insurance Alternatives in Washington

If you own at least 25 vehicles in the state of Washington, you can apply for a certificate of self-insurance to demonstrate your financial stability. This certificate is an annual requirement that must be renewed to remain valid and serves as proof of financial responsibility for operating motor vehicles in the state.

FAQ: Car Insurance in Washington

Finding affordable auto insurance in Washington can be overwhelming. MoneyGeek answered the most commonly asked questions to help you through the process.

Which company offers the cheapest car insurance in Washington?
Should you buy the cheapest car insurance available 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?
Melanie Musson
Melanie MussonHome Insurance Expert with USInsuranceAgents.com
Randy Beavers
Randy BeaversAssistant Professor of Finance at Seattle Pacific University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • Washington State Legislature. "Self-Insurance." Accessed June 12, 2024.