Best Cheap Car Insurance Quotes in Washington (2022)
Best Cheap Car Insurance Quotes in Washington (2022)
State Farm has the best cheap car insurance quotes in Washington at $413 per year or $34 per month for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Washington
In Washington, you could pay a difference of up to $1,642 for full coverage depending on the car insurance company. The average cost of car insurance in Washington state is $923 for minimum liability and $2,351 for full coverage quotes. The national average car insurance cost is $1,956 per year for full coverage, which means Washington car insurance is 24% cheaper than average.
Cheapest car insurance quotes in Washington: State Farm
The cheapest company for a minimum coverage car insurance policy in Washington is State Farm, which charges an average annual premium of $413 — 30% cheaper than the overall state average.
The average cost of minimum liability car insurance in Washington is $591 per year, or $49 per month.
Active-duty service members, veterans and some members of families can take advantage of even cheaper rates from USAA. At $341, USAA's annual rate is 42% below the state average.
Find Cheap Auto Insurance Quotes in Washington
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $413 | $34 |
| Progressive | $479 | $40 |
| Mutual of Enumclaw | $526 | $44 |
| Geico | $539 | $45 |
| Farmers | $792 | $66 |
| American Family | $810 | $68 |
| Allstate | $841 | $70 |
| USAA | $341 | $28 |
USAA is only available to current and former military members and their families.
Minimum liability car insurance quotes are cheaper but could cost you more in the long run if you're in an accident.
In Washington, a minimum coverage policy only pays for the other driver’s injuries or damage to their car or property resulting from an accident. It does not include protection for damage to your vehicle.
We recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy.
Cheapest full coverage car insurance in Washington: State Farm
State Farm also has the cheapest full coverage quotes in Washington — $982 annually or $82 monthly. That's $496 cheaper than the state average of $1,478 a year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $982 | $82 |
| Geico | $1,156 | $96 |
| Mutual of Enumclaw | $1,177 | $98 |
| Progressive | $1,424 | $119 |
| Allstate | $1,683 | $140 |
| American Family | $1,761 | $147 |
| Farmers | $2,624 | $219 |
| USAA | $1,016 | $85 |
USAA is only available to current and former military members and their families.
A full coverage policy includes both comprehensive and collision coverage. Collision coverage pays for damage to your car, regardless of who is at fault in an accident, and comprehensive coverage pays for damage outside of your control, such as hail or a fallen tree branch.
Cheap car insurance for drivers with prior incidents
Car insurance quotes usually rise after incidents such as a speeding ticket, an at-fault accident or driving under the influence (DUI) because insurers see them as signs you are a high-risk driver.
Find Cheap Auto Insurance Quotes in Washington
Cheapest car insurance quotes with a ticket: State Farm
State Farm offers the best rates for Washington drivers who have a speeding ticket on their record — $1,077 a year for a full coverage policy. That rate is 41% cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,077 | $90 |
| Geico | $1,156 | $96 |
| Mutual of Enumclaw | $1,441 | $120 |
| Allstate | $1,855 | $155 |
| Progressive | $1,958 | $163 |
| American Family | $2,542 | $212 |
| Farmers | $3,372 | $281 |
| USAA | $1,195 | $100 |
USAA is only available to current and former military members and their families.
While a speeding ticket will likely increase your auto insurance rates, it won't increase them as much as an at-fault accident will. Rates go up by 16% after a speeding ticket, compared to a 33% increase after an at-fault accident.
Cheapest car insurance after an accident: State Farm
Washington drivers with one at-fault accident on their record can find the best quotes with State Farm. Full coverage auto insurance from State Farm costs 45% less than the state average, which is $1,170 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,170 | $98 |
| Mutual of Enumclaw | $1,608 | $134 |
| Geico | $1,671 | $139 |
| Allstate | $2,402 | $200 |
| Progressive | $2,486 | $207 |
| American Family | $2,648 | $221 |
| Farmers | $3,497 | $291 |
| USAA | $1,403 | $117 |
USAA is only available to current and former military members and their families.
Progressive has the most drastic change in car insurance rates from the addition of a single accident — a $1,062 increase. To put that in perspective, State Farm only increases its rates by $188. Given the variability in rates, we always recommend shopping around for car insurance when your driving record changes.
Cheapest car insurance after a DUI: Progressive
Drivers in Washington with a DUI could find the cheapest car insurance with Progressive. Compared to the average cost for people with a DUI, Progressive's rates are 35% cheaper.
If you're a Washington driver cited for driving under the influence, your rates will increase by an average of 79%, up to $2,643 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $1,710 | $142 |
| Mutual of Enumclaw | $2,087 | $174 |
| Allstate | $2,241 | $187 |
| State Farm | $2,551 | $213 |
| Geico | $2,762 | $230 |
| American Family | $3,455 | $288 |
| Farmers | $4,194 | $350 |
| USAA | $2,141 | $178 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
State Farm offers married drivers the most affordable quotes in Washington, charging 28% less than the state average, followed by Geico (19% less) and Mutual of Enumclaw (18% less). Married drivers in Washington state pay about 8% less on average than single drivers.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $982 | $82 |
| Geico | $1,102 | $92 |
| Mutual of Enumclaw | $1,118 | $93 |
| Progressive | $1,183 | $99 |
| Allstate | $1,643 | $137 |
| American Family | $1,761 | $147 |
| Farmers | $2,231 | $186 |
| USAA | $896 | $75 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers in Washington: State Farm
State Farm offers young drivers in Washington affordable rates, with an average annual rate of $1,295 for minimum coverage insurance.
Car insurance rates for 18-year-old drivers in Washington are more than four times higher than rates for adults.
Our analysis found that the average cost of minimum coverage auto insurance for young drivers is $2,539 a year — a 328% increase from the average adult rate of $593 a year.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $1,295 | $2,913 |
| Mutual of Enumclaw | $1,596 | $3,031 |
| Geico | $1,783 | $3,520 |
| Progressive | $2,275 | $5,966 |
| Allstate | $2,673 | $5,821 |
| Farmers | $4,123 | $6,989 |
| American Family | $5,139 | $10,825 |
| USAA | $1,427 | $3,785 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after a ticket: State Farm
State Farm also offers the most affordable minimum-coverage quotes for young drivers in Washington with a speeding ticket, at $1,439 a year, or $120 a month. A speeding ticket can cause rates for young drivers to go up by 14% on average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,439 | $120 |
| Geico | $1,783 | $149 |
| Mutual of Enumclaw | $2,073 | $173 |
| Progressive | $2,547 | $212 |
| Allstate | $3,031 | $253 |
| Farmers | $4,832 | $403 |
| American Family | $5,807 | $484 |
| USAA | $1,701 | $142 |
USAA is only available to current and former military members and their families.
Cheapest quotes for young drivers after an accident: State Farm
State Farm has the best minimum coverage rates for young drivers with an accident. The average annual premium is $1,439, which is 49% lower than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,583 | $132 |
| Geico | $1,982 | $165 |
| Mutual of Enumclaw | $2,396 | $200 |
| Progressive | $2,840 | $237 |
| Allstate | $3,240 | $270 |
| Farmers | $4,561 | $380 |
| American Family | $6,064 | $505 |
| USAA | $2,142 | $178 |
USAA is only available to current and former military members and their families.
We found that the average rate goes up by 22% after an 18-year-old driver gets into an at-fault accident, from $2,539 to $3,101.
Best car insurance companies in Washington
USAA is our pick for the top company in Washington state because of its combination of good customer service and cheap quotes.
However, USAA is only available to current and former members of the military and their families. State Farm also maintains an excellent rating from our editors, exemplary customer service scores and the highest grade for financial strength, making the company a good choice for those not eligible for USAA.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 844 | A++ | |
| American Family | 823 | A | |
| Geico | 821 | A++ | |
| Farmers | 813 | A | |
| Allstate | 825 | A+ | |
| Progressive | 817 | A+ | |
| USAA* | 884 | A++ | |
| Mutual of Enumclaw | NR | NR | A- |
When you're shopping for car insurance, choosing a dependable insurer is as important as finding the lowest rate. AM Best awarded all the companies we looked at a Financial Strength Rating of A- or better. These high marks indicate AM Best's confidence that these insurers have an "Excellent" or "Superior" ability to pay out claims, even in difficult economic situations.
Average car insurance cost in Washington by city
Full coverage car insurance quotes in Washington can vary significantly depending on where you live in the state.
Othello has the most affordable car insurance rates in Washington — at an average of $1,111 per year, 25% below the state average. The most expensive city for car insurance is Boulevard Park, with an average rate of $1,928.
City | Average annual cost | Percent from average |
|---|---|---|
| Aberdeen | $1,280 | -13% |
| Acme | $1,351 | -8% |
| Addy | $1,333 | -10% |
| Adna | $1,345 | -9% |
| Ahtanum | $1,306 | -11% |
Minimum car insurance requirements in Washington state
In order to drive in Washington, your auto insurance coverage must meet minimum liability insurance requirements.
Liability | Minimum coverage |
|---|---|
| Bodily injury (BI) | $25,000 per person/$50,000 per accident |
| Property damage (PD) | $10,000 per accident |
While the minimum car insurance requirement is your cheapest option, it may not be the best fit for your individual needs. We recommend drivers full coverage insurance for most drivers.
Frequently asked questions
Which company has the most affordable auto insurance in Washington?
State Farm offers the lowest rates in Washington state for minimum coverage car insurance, at an average cost of $413 per year. It also has the cheapest full coverage rates at $982 per year.
What are the car insurance requirements in Washington state?
Washington requires drivers to have bodily injury limits of $25,000 per person and $50,000 per accident, along with of $10,000 property damage liability insurance to drive legally.
How much is car insurance in Washington?
On average, minimum coverage car insurance in Washington costs $593 per year, or $49 per month. A full coverage policy costs an average of $1,478 annually, or $123 monthly.
Is car insurance high in Washington?
Washington is not one of the most expensive states for car insurance. Our study found that Washington ranks as the 29th most expensive state for minimum coverage and the 40th most expensive state for full coverage. Washington is one of 14 states that saw a decrease in average rates from last year to this year.
Is car insurance expensive in Seattle?
Full coverage car insurance in Seattle costs an average of $1,805 per year. That's 22% more expensive than the average in Washington state.
Methodology
We collected thousands of rates from ZIP codes across Washington for eight of the state's largest insurers. Rates are for a 30-year-old man driving a 2015 Honda Civic EX with average credit.
The base policy for the study was a full coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we were quoted rates for a policy with the minimum required limits in Washington. For other rates analyses (age, accident history and marital status), the base policy listed above was altered to reflect the driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.