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PEMCO offers the most affordable auto insurance in Washington for most drivers, including young adults and drivers with poor credit and speeding tickets. Capital Insurance Group is the most affordable option for drivers with sports cars. Kemper is the cheapest car insurance provider for teens and seniors. USAA has the lowest rates for military drivers.

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

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2023

Cheapest Car Insurance Washington (April 2023)

Cheapest Minimum Liability Car Insurance in Washington (April 2023)

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

  • PEMCO: $309 per year
  • Capital Insurance Group: $358 per year

In Washington, Dairyland has the highest minimum coverage car insurance rate, at an average yearly cost of $1,611.

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.

Company
Annual Premium
Monthly Premium

PEMCO

$309

$26

Capital Insurance Group

$328

$27

PEMCO

$332

$28

Capital Insurance Group

$358

$30

Chubb

$379

$32

State Farm

$380

$32

PEMCO

$382

$32

State Farm

$398

$33

You need 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 car.

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

Insurance Rates

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Cheapest Full Coverage Car Insurance in Washington (April 2023)

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

  • PEMCO: $614 per year
  • Kemper: $725 per year

At roughly $3,403 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 $305 higher than its minimum coverage option.

A full coverage policy can provide financial protection in the event of an on-road incident, such as hitting a tree or being involved in a hit-and-run, as well as off-road incidents like flooding or storm damage.

Company
Annual Premium
Monthly Premium

PEMCO

$309

$26

Capital Insurance Group

$328

$27

PEMCO

$332

$28

Capital Insurance Group

$358

$30

Chubb

$379

$32

State Farm

$380

$32

PEMCO

$382

$32

State Farm

$398

$33

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 got 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 may still need to compare multiple websites to find 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.

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Cheapest Car Insurance in Washington for Teens and Their Families (April 2023)

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 teens will have the highest annual premium from Progressive, amounting to $4,323, whereas those with female teens will pay $3,912.

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 ($1,627).

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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Kemper

$783

$968

Nationwide

$902

$2,355

Kemper

$920

$1,270

Nationwide

$927

$2,172

Travelers

$944

$1,224

Travelers

$976

$1,278

Allstate

$1,014

$3,515

Allstate

$1,041

$1,183

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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 drivers education, distant and good student discounts. Drivers education discounts are available to drivers who have taken a teenSMART drivers education course, and the distant 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 (April 2023)

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

  • PEMCO: $771 per year
  • American Family: $1,027 per year

At about $4,922, 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, younger drivers tend to pay around $157 more than their middle-aged counterparts because they are considered riskier to insure.

Company
Annual Premium
Monthly Premium

PEMCO

$309

$26

Capital Insurance Group

$328

$27

PEMCO

$332

$28

Capital Insurance Group

$358

$30

Chubb

$379

$32

State Farm

$380

$32

PEMCO

$382

$32

State Farm

$398

$33

Cheapest Car Insurance in Washington for Seniors (April 2023)

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

  • Kemper: $647 per year
  • PEMCO: $655 per year

Dairyland is the most expensive insurance for Washington seniors, at an average of $3,080 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 $78 less 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.

Company
Annual Premium
Monthly Premium

PEMCO

$309

$26

Capital Insurance Group

$328

$27

PEMCO

$332

$28

Capital Insurance Group

$358

$30

Chubb

$379

$32

State Farm

$380

$32

PEMCO

$382

$32

State Farm

$398

$33

Elderly 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 in Washington After a Ticket, Accident or DUI (April 2023)

Drivers in Washington who have tickets and at-fault accidents on their record can take advantage of the low premiums offered by PEMCO, whereas those with a DUI record can find cheap rates from State Farm. To further reduce insurance costs, drivers should consider taking state-approved driving courses and regularly checking their records for errors. By taking these steps, they can improve their profile and access more affordable insurance options.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: PEMCO ($764 per year)
Cheapest after an accident: PEMCO ($838 per year)
Cheapest after a DUI: State Farm ($962 per year)

Cheapest Car Insurance in Washington After a Ticket

MoneyGeek found the following companies offer the cheapest auto insurance for drivers with tickets:

  • PEMCO: $764 per year
  • Kemper: $914 per year

Dairyland is the priciest of the state’s providers, with an annual rate of about $3,961. In Washington, those with a ticket on their driving record pay an average of $301 more for coverage than those with a clean record.

Company
Annual Premium
Monthly Premium

PEMCO

$387

$32

Chubb

$416

$35

State Farm

$422

$35

Capital Insurance Group

$439

$37

PEMCO

$448

$37

PEMCO

$452

$38

State Farm

$462

$38

Capital Insurance Group

$482

$40

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:

  • PEMCO: $838 per year
  • Kemper: $942 per year

Dairyland is the most expensive insurer for those who have been in an at-fault accident, with a premium of $4,341. On average, at-fault drivers pay $498 more than those with a clean driving history.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$422

$35

PEMCO

$432

$36

State Farm

$464

$39

Capital Insurance Group

$465

$39

Chubb

$467

$39

PEMCO

$499

$42

PEMCO

$502

$42

State Farm

$508

$42

Cheapest Car Insurance in Washington After a DUI

The most affordable full coverage car insurance companies for Washington drivers with a DUI on their driving records are:

  • State Farm: $962 per year
  • PEMCO: $1,015 per year

The most expensive insurer in the state, Kemper, charges an average of $3,826 per year. DUI drivers pay $620 more on average than drivers with a clean record.

Company
Annual Premium
Monthly Premium

State Farm

$422

$35

State Farm

$462

$38

Chubb

$467

$39

PEMCO

$541

$45

Chubb

$554

$46

State Farm

$578

$48

Capital Insurance Group

$604

$50

PEMCO

$607

$51

Cheapest Car Insurance in Washington for Drivers With Poor Credit (April 2023)

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

  • PEMCO: $612 per year
  • Kemper: $725 per year

Dairyland charges $3,403 per year for car insurance for those with a low credit score, the most expensive policy.

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 $53 less for car insurance in Washington than someone with a lower credit score.

Company
Annual Premium
Monthly Premium

PEMCO

$771

$64

American Family

$1,027

$86

Kemper

$1,053

$88

GEICO

$1,088

$91

Capital Insurance Group

$1,107

$92

Travelers

$1,123

$94

State Farm

$1,133

$94

Farmers

$1,225

$102

Insurers often use a driver's credit history to help determine their risk profile and their likelihood of filing a claim. A lower credit rating often indicates a greater likelihood of filing a claim, so insurers may charge drivers with poor credit higher rates. 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 (April 2023)

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

  • Capital Insurance Group: $812 per year
  • Kemper: $882 per year

Dairyland offers Washington's costliest sports car insurance at $3,090 annually. Compared with a Toyota Camry LE, auto insurance for sports cars is usually — but not always — more expensive, costing about $128 more for drivers in Washington. Sports cars tend to be costlier to repair and replace.

Company
Annual Premium
Monthly Premium

PEMCO

$309

$26

Capital Insurance Group

$328

$27

PEMCO

$332

$28

Capital Insurance Group

$358

$30

Chubb

$379

$32

State Farm

$380

$32

PEMCO

$382

$32

State Farm

$398

$33

When researching insurance costs associated with sports cars, MoneyGeek used a Ford Mustang as its sample vehicle. However, insurance costs can differ significantly depending on the type of car model.

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 you should factor it in when comparing policies.

Cheapest Car Insurance in Washington for Military Drivers (April 2023)

USAA offers the most affordable car insurance rates for military members, as well as discounts for active duty and retired military personnel with an average rate of $576. USAA offers various discounts and benefits that help military members save even more on car insurance premiums.

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MoneyGeek Top Pick
USAA
  • $576 per year
  • Ranks first out of 15 insurers for affordability

USAA offers discounts that may benefit military families. For example, it offers a vehicle storage discount that allows policyholders to save up to 60%. It also offers a legacy discount that lets you save if you are under 25 and previously insured on your parent’s USAA policy.

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 car insurance from PEMCO at about $582 per year for a full coverage policy.

Vancouver is also relatively affordable, with an annual full coverage policy from PEMCO costing around $663. However, car insurance is the most expensive in Tacoma, where a full coverage policy from PEMCO averages $819 per year.

City
Cheapest Company
Annual Premium

Bellevue

PEMCO

$708

Everett

PEMCO

$724

Kent

PEMCO

$790

Renton

PEMCO

$790

Seattle

PEMCO

$808

Spokane

PEMCO

$582

Tacoma

PEMCO

$819

Vancouver

PEMCO

$663

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 costs associated with the accident.

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 it also 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 that occurs. 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 that injures someone else. 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 in order to remain valid and serves as proof of financial responsibility for operating motor vehicles in the state.

FAQs About 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.

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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • Washington State Legislature. "Self-Insurance." Accessed December 14, 2022.