Best Cheap Car Insurance Quotes in Washington (2026)

Updated May 20, 2026

Mutual of Enumclaw has the cheapest car insurance in Washington state, at $137 per month for full coverage.

Best cheap car insurance in Washington

Mutual of Enumclaw, State Farm and Geico are the cheapest options for most people in WA.

Want full coverage? Mutual of Enumclaw: $137/mo
Only need minimum liability coverage? Mutual of Enumclaw: $53/mo
Want the best customer service? State Farm, $169/mo
Have a speeding ticket? Mutual of Enumclaw: $167/mo
Caused an accident? Mutual of Enumclaw: $185/mo
Need coverage for a young driver? Mutual of Enumclaw: $160/mo
Got a DUI? Mutual of Enumclaw: $239/mo
Have poor credit? Geico: $212/mo

Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.

Cheapest Washington car insurance rates: Mutual of Enumclaw

Mutual of Enumclaw, State Farm and USAA have the most affordable full coverage quotes in Washington.

Mutual of Enumclaw has the cheapest full coverage rates for most people in Washington, at $137 per month. That's 37% cheaper than the state average. But the company doesn't offer online quotes, so you have to contact an agent to get pricing.
State Farm is the best and cheapest choice if you prefer to compare quotes online. At $169 per month, full coverage from State Farm is 23% cheaper than average.
USAA has the cheapest rates overall, at $133 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.

Cheapest car insurance companies in Washington

Best cheap full coverage car insurance in Washington state

Company	Monthly rate
Mutual of Enumclaw	$137
State Farm	$169
Geico	$172
Travelers	$178
USAA*	$133

*USAA is only available to current and former military members and their families.

Data-powered research on Washington car insurance

194,480 quotes from 10 of Washington's top companies

617 Washington ZIP codes for personalized, accurate rates

	Data-powered research on WA car insurance

194,480 quotes from 10 top WA companies
617 WA ZIP codes for accurate rates
50+ years of experience helping drivers save

Cheapest liability insurance in Washington state: Mutual of Enumclaw

Mutual of Enumclaw is the cheapest company in Washington state for minimum liability car insurance.

Liability-only coverage from Mutual of Enumclaw costs an average of $53 per month, which is $25 per month less than the overall state average.

USAA has even cheaper rates for Washington drivers with military ties, at just $39 per month for a minimum liability policy.

Cheap minimum car insurance in Washington state

Company	Monthly rate
Mutual of Enumclaw	$53
State Farm	$62
Geico	$64
Travelers	$68
Progressive	$69
USAA*	$39

*USAA is only available to current and former military members and their families.

Cheapest auto insurance in Washington state by city

Mutual of Enumclaw has the cheapest full coverage quotes in most Washington cities and towns, including Seattle, Spokane and Tacoma.

Geico has the most affordable rates in about 15 small Puget Sound communities and towns, such as Silverdale and Bainbridge Island.

Boulevard Park, a Seattle suburb, has the most expensive car insurance in Washington state. Drivers living in Boulevard Park pay an average of $292 per month for a full coverage policy.

Lopez Island, part of the San Juan Islands, has the most affordable car insurance rates in Washington, at $176 per month.

Average Washington car insurance rates by city

City	Avg. rate	Cheapest company	Cheapest rate
Seattle	$272	Mutual of Enumclaw	$171
Spokane	$214	Mutual of Enumclaw	$120
Tacoma	$274	Mutual of Enumclaw	$171
Vancouver	$233	Mutual of Enumclaw	$151
Bellevue	$253	Mutual of Enumclaw	$156
Kent	$272	Mutual of Enumclaw	$161
Everett	$254	Mutual of Enumclaw	$153
Spokane Valley	$201	Mutual of Enumclaw	$117
Renton	$270	Mutual of Enumclaw	$163
Federal Way	$273	Mutual of Enumclaw	$168
Yakima	$194	Mutual of Enumclaw	$123
Bellingham	$189	Mutual of Enumclaw	$133
Kirkland	$245	Mutual of Enumclaw	$159
Kennewick	$189	Mutual of Enumclaw	$124
Auburn	$262	Mutual of Enumclaw	$163
Redmond	$244	Mutual of Enumclaw	$149
Pasco	$188	Mutual of Enumclaw	$120
Marysville	$233	Mutual of Enumclaw	$133
Sammamish	$239	Mutual of Enumclaw	$136
Richland	$183	Mutual of Enumclaw	$125
Lakewood	$269	Mutual of Enumclaw	$165
Shoreline	$270	Mutual of Enumclaw	$176
Lacey	$217	Mutual of Enumclaw	$126
Olympia	$210	Mutual of Enumclaw	$125
Burien	$272	Mutual of Enumclaw	$170
Bothell	$246	Mutual of Enumclaw	$152
Bremerton	$206	Mutual of Enumclaw	$129
Lynnwood	$263	Mutual of Enumclaw	$158
Edmonds	$258	Mutual of Enumclaw	$156
Puyallup	$253	Mutual of Enumclaw	$169
Lake Stevens	$236	Mutual of Enumclaw	$143
Issaquah	$242	Mutual of Enumclaw	$138
Longview	$197	Mutual of Enumclaw	$120
Wenatchee	$187	Mutual of Enumclaw	$120
Mount Vernon	$188	Mutual of Enumclaw	$125
University Place	$263	Mutual of Enumclaw	$171
Walla Walla	$186	Mutual of Enumclaw	$120
Pullman	$196	Mutual of Enumclaw	$120
Des Moines	$264	Mutual of Enumclaw	$165
SEATAC	$276	Mutual of Enumclaw	$169
Maple Valley	$247	Mutual of Enumclaw	$147
Camas	$219	Mutual of Enumclaw	$155
Tumwater	$206	Mutual of Enumclaw	$125
Moses Lake	$176	Mutual of Enumclaw	$125
Mercer Island	$254	Mutual of Enumclaw	$176
Bainbridge Island	$203	Geico	$129
Oak Harbor	$187	Mutual of Enumclaw	$123
Kenmore	$259	Mutual of Enumclaw	$176
Bonney Lake	$244	Mutual of Enumclaw	$155
Battle Ground	$223	Mutual of Enumclaw	$155
Mountlake Terrace	$263	Mutual of Enumclaw	$163
Arlington	$218	Mutual of Enumclaw	$133
Tukwila	$283	Mutual of Enumclaw	$170
Covington	$259	Mutual of Enumclaw	$155
Mukilteo	$243	Mutual of Enumclaw	$143
Mill Creek	$246	Mutual of Enumclaw	$143
Port Angeles	$179	Mutual of Enumclaw	$134
Monroe	$232	Mutual of Enumclaw	$143
Aberdeen	$192	Mutual of Enumclaw	$120
Acme	$196	Mutual of Enumclaw	$125
Addy	$200	Mutual of Enumclaw	$118
Adna	$205	Mutual of Enumclaw	$120
Ahtanum	$191	Mutual of Enumclaw	$120
Airway Heights	$204	Mutual of Enumclaw	$120
Albion	$187	Mutual of Enumclaw	$120
Alderton	$251	Mutual of Enumclaw	$160
Alderwood Manor	$262	Mutual of Enumclaw	$163
Algona	$265	Mutual of Enumclaw	$163
Allyn	$207	Mutual of Enumclaw	$128
Almira	$183	Mutual of Enumclaw	$117
Amanda Park	$190	Mutual of Enumclaw	$125
Amboy	$212	Mutual of Enumclaw	$133
Ames Lake	$248	Mutual of Enumclaw	$143
Anacortes	$176	Mutual of Enumclaw	$120
Anatone	$189	Mutual of Enumclaw	$117
Anderson Island	$233	Mutual of Enumclaw	$115
Appleton	$200	Mutual of Enumclaw	$120
Ardenvoir	$200	Mutual of Enumclaw	$115
Ariel	$204	Mutual of Enumclaw	$128
Arlington Heights	$218	Mutual of Enumclaw	$133
Artondale	$222	Mutual of Enumclaw	$155
Ashford	$217	Mutual of Enumclaw	$133
Asotin	$186	Mutual of Enumclaw	$117
Bangor Base	$200	Mutual of Enumclaw	$128
Barberton	$225	Mutual of Enumclaw	$155
Baring	$239	Mutual of Enumclaw	$133
Bay Center	$190	Mutual of Enumclaw	$133
Bay View	$188	Mutual of Enumclaw	$125
Beaver	$177	Mutual of Enumclaw	$120
Belfair	$204	Mutual of Enumclaw	$133
Belmont	$184	Mutual of Enumclaw	$117
Benge	$183	Mutual of Enumclaw	$117
Benton City	$181	Mutual of Enumclaw	$125
Bethel	$204	Mutual of Enumclaw	$143
Beverly	$192	Mutual of Enumclaw	$117
Bickleton	$186	Mutual of Enumclaw	$120
Bingen	$191	Mutual of Enumclaw	$120
Birch Bay	$185	Mutual of Enumclaw	$115
Black Diamond	$239	Mutual of Enumclaw	$147
Blaine	$185	Mutual of Enumclaw	$115
Blakely Island	$181	Mutual of Enumclaw	$120
Bothell East	$245	Mutual of Enumclaw	$149
Bothell West	$251	Mutual of Enumclaw	$153
Boulevard Park	$292	Mutual of Enumclaw	$176
Bow	$187	Mutual of Enumclaw	$125
Boyds	$200	Mutual of Enumclaw	$118
Brewster	$191	Mutual of Enumclaw	$117
Bridgeport	$184	Mutual of Enumclaw	$117
Brier	$262	Mutual of Enumclaw	$163
Brinnon	$189	Mutual of Enumclaw	$128
Browns Point	$272	Mutual of Enumclaw	$176
Brownstown	$205	Mutual of Enumclaw	$115
Brush Prairie	$229	Mutual of Enumclaw	$149
Bryn Mawr-Skyway	$291	Mutual of Enumclaw	$176
Buckley	$231	Mutual of Enumclaw	$155
Bucoda	$211	Mutual of Enumclaw	$120
Buena	$189	Mutual of Enumclaw	$125
Bunk Foss	$241	Mutual of Enumclaw	$143
Burbank	$187	Mutual of Enumclaw	$115
Burley	$204	Mutual of Enumclaw	$143
Burlington	$188	Mutual of Enumclaw	$120
Burton	$249	Mutual of Enumclaw	$133
Camano Island	$189	Mutual of Enumclaw	$125
Canterwood	$224	Mutual of Enumclaw	$147
Canyon Creek	$218	Mutual of Enumclaw	$133
Carbonado	$235	Mutual of Enumclaw	$155
Carlsborg	$178	Geico	$137
Carlton	$192	Mutual of Enumclaw	$117
Carnation	$237	Mutual of Enumclaw	$143
Carrolls	$198	Mutual of Enumclaw	$120
Carson	$206	Mutual of Enumclaw	$120
Cascade Valley	$176	Mutual of Enumclaw	$125
Cashmere	$186	Mutual of Enumclaw	$120
Castle Rock	$196	Mutual of Enumclaw	$128
Cathcart	$240	Mutual of Enumclaw	$147
Cathlamet	$198	Mutual of Enumclaw	$120
Cavalero	$238	Mutual of Enumclaw	$143
Centerville	$191	Mutual of Enumclaw	$115
Central Park	$192	Mutual of Enumclaw	$120
Centralia	$196	Mutual of Enumclaw	$120
Chain Lake	$228	Mutual of Enumclaw	$143
Chattaroy	$206	Mutual of Enumclaw	$117
Chehalis	$191	Mutual of Enumclaw	$120
Chelan	$185	Mutual of Enumclaw	$115
Chelan Falls	$187	Mutual of Enumclaw	$115
Cheney	$195	Mutual of Enumclaw	$115
Cherry Grove	$223	Mutual of Enumclaw	$155
Chewelah	$196	Mutual of Enumclaw	$117
Chico	$195	Geico	$129
Chimacum	$183	Mutual of Enumclaw	$125
Chinook	$205	Mutual of Enumclaw	$125
Cinebar	$199	Mutual of Enumclaw	$128
Clallam Bay	$180	Mutual of Enumclaw	$120
Clarkston	$181	Mutual of Enumclaw	$120
Clarkston Heights-Vineland	$181	Mutual of Enumclaw	$120
Clayton	$205	Mutual of Enumclaw	$117
Cle Elum	$187	Mutual of Enumclaw	$128
Clear Lake	$189	Mutual of Enumclaw	$125
Clearlake	$191	Mutual of Enumclaw	$125
Clearview	$240	Mutual of Enumclaw	$147
Clinton	$201	Mutual of Enumclaw	$125
Clover Creek	$265	Mutual of Enumclaw	$165
Clyde Hill	$250	Mutual of Enumclaw	$155
Colbert	$214	Mutual of Enumclaw	$115
Colfax	$176	Mutual of Enumclaw	$115
College Place	$194	Mutual of Enumclaw	$120
Colton	$188	Mutual of Enumclaw	$115
Colville	$193	Mutual of Enumclaw	$118
Conconully	$191	Mutual of Enumclaw	$118
Concrete	$194	Mutual of Enumclaw	$120
Connell	$182	Mutual of Enumclaw	$120
Copalis Beach	$188	Mutual of Enumclaw	$117
Copalis Crossing	$190	Mutual of Enumclaw	$117
Cosmopolis	$192	Mutual of Enumclaw	$128
Cottage Lake	$241	Mutual of Enumclaw	$149
Cougar	$211	Mutual of Enumclaw	$128
Coulee City	$185	Mutual of Enumclaw	$117
Coulee Dam	$187	Mutual of Enumclaw	$118
Country Homes	$212	Mutual of Enumclaw	$120
Coupeville	$185	Mutual of Enumclaw	$120
Cowiche	$193	Mutual of Enumclaw	$125
Creston	$186	Mutual of Enumclaw	$117
Crocker	$239	Mutual of Enumclaw	$147
Curlew	$197	Mutual of Enumclaw	$118
Curtis	$202	Mutual of Enumclaw	$120
Cusick	$202	Mutual of Enumclaw	$118
Custer	$190	Mutual of Enumclaw	$120
Dallesport	$191	Mutual of Enumclaw	$115
Danville	$199	Mutual of Enumclaw	$115
Darrington	$204	Mutual of Enumclaw	$120
Davenport	$187	Mutual of Enumclaw	$117
Dayton	$183	Mutual of Enumclaw	$117
Deer Harbor	$183	Mutual of Enumclaw	$117
Deer Park	$204	Mutual of Enumclaw	$115
Deming	$196	Mutual of Enumclaw	$120
Dixie	$184	Mutual of Enumclaw	$115
Doty	$199	Mutual of Enumclaw	$120
Dryden	$187	Mutual of Enumclaw	$120
DuPont	$232	Mutual of Enumclaw	$143
Duluth	$216	Mutual of Enumclaw	$147
Duvall	$241	Mutual of Enumclaw	$143
East Cathlamet	$198	Mutual of Enumclaw	$120
East Hill-Meridian	$264	Mutual of Enumclaw	$160
East Olympia	$225	Mutual of Enumclaw	$125
East Port Orchard	$202	Mutual of Enumclaw	$143
East Renton Highlands	$263	Mutual of Enumclaw	$155
East Wenatchee	$185	Mutual of Enumclaw	$120
Eastgate	$253	Mutual of Enumclaw	$155
Eastmont	$243	Mutual of Enumclaw	$151
Easton	$198	Mutual of Enumclaw	$128
Eastsound	$177	Mutual of Enumclaw	$117
Eatonville	$222	Mutual of Enumclaw	$143
Edgewood	$254	Mutual of Enumclaw	$169
Edwall	$192	Mutual of Enumclaw	$117
Elbe	$228	Mutual of Enumclaw	$133
Electric City	$181	Mutual of Enumclaw	$117
Elk	$210	Mutual of Enumclaw	$117
Elk Plain	$257	Mutual of Enumclaw	$163
Ellensburg	$180	Mutual of Enumclaw	$120
Elma	$195	Mutual of Enumclaw	$133
Elmer City	$190	Mutual of Enumclaw	$118
Eltopia	$186	Mutual of Enumclaw	$120
Endicott	$178	Mutual of Enumclaw	$117
Entiat	$192	Mutual of Enumclaw	$115
Enumclaw	$232	Mutual of Enumclaw	$147
Ephrata	$180	Mutual of Enumclaw	$120
Erlands Point-Kitsap Lake	$200	Mutual of Enumclaw	$133
Esperance	$260	Mutual of Enumclaw	$147
Ethel	$207	Mutual of Enumclaw	$125
Evans	$200	Mutual of Enumclaw	$115
Everson	$191	Mutual of Enumclaw	$115
Fairchild Air Force Base	$207	Mutual of Enumclaw	$117
Fairfield	$201	Mutual of Enumclaw	$117
Fairwood	$245	Mutual of Enumclaw	$149
Fall City	$239	Mutual of Enumclaw	$143
Farmington	$185	Mutual of Enumclaw	$117
Felida	$224	Mutual of Enumclaw	$155
Fern Prairie	$219	Mutual of Enumclaw	$155
Ferndale	$186	Mutual of Enumclaw	$115
Fife	$264	Mutual of Enumclaw	$166
Fife Heights	$267	Mutual of Enumclaw	$169
Finley	$186	Mutual of Enumclaw	$125
Fircrest	$262	Mutual of Enumclaw	$176
Five Corners	$235	Mutual of Enumclaw	$155
Fobes Hill	$228	Mutual of Enumclaw	$143
Ford	$200	Mutual of Enumclaw	$117
Fords Prairie	$196	Mutual of Enumclaw	$120
Forks	$180	Mutual of Enumclaw	$125
Fort Lewis	$264	Mutual of Enumclaw	$159
Four Lakes	$195	Mutual of Enumclaw	$115
Fox Island	$226	Geico	$161
Frederickson	$262	Mutual of Enumclaw	$165
Freeland	$191	Mutual of Enumclaw	$120
Friday Harbor	$177	Mutual of Enumclaw	$115
Fruitland	$196	Mutual of Enumclaw	$117
Galvin	$210	Mutual of Enumclaw	$120
Garfield	$181	Mutual of Enumclaw	$117
Garrett	$186	Mutual of Enumclaw	$120
Geneva	$189	Mutual of Enumclaw	$133
George	$179	Mutual of Enumclaw	$115
Gifford	$195	Mutual of Enumclaw	$118
Gig Harbor	$223	Mutual of Enumclaw	$148
Gleed	$193	Mutual of Enumclaw	$126
Glenoma	$200	Mutual of Enumclaw	$133
Glenwood	$189	Mutual of Enumclaw	$120
Gold Bar	$228	Mutual of Enumclaw	$143
Goldendale	$185	Mutual of Enumclaw	$120
Graham	$256	Mutual of Enumclaw	$163
Grand Coulee	$185	Mutual of Enumclaw	$117
Grand Mound	$201	Mutual of Enumclaw	$120
Grandview	$186	Mutual of Enumclaw	$125
Granger	$185	Mutual of Enumclaw	$125
Granite Falls	$229	Mutual of Enumclaw	$133
Grapeview	$206	Mutual of Enumclaw	$132
Grayland	$188	Mutual of Enumclaw	$120
Grays River	$202	Mutual of Enumclaw	$120
Greenacres	$191	Mutual of Enumclaw	$115
Greenbank	$189	Mutual of Enumclaw	$117
Hamilton	$201	Mutual of Enumclaw	$125
Hansville	$198	Mutual of Enumclaw	$120
Harrah	$192	Mutual of Enumclaw	$115
Harrington	$191	Mutual of Enumclaw	$117
Hartline	$185	Mutual of Enumclaw	$117
Hay	$176	Mutual of Enumclaw	$117
Hazel Dell	$229	Mutual of Enumclaw	$143
Heisson	$218	Mutual of Enumclaw	$155
High Bridge	$236	Mutual of Enumclaw	$145
Hobart	$248	Mutual of Enumclaw	$147
Hockinson	$225	Mutual of Enumclaw	$147
Home	$231	Mutual of Enumclaw	$147
Hoodsport	$201	Mutual of Enumclaw	$125
Hooper	$184	Mutual of Enumclaw	$117
Hoquiam	$188	Mutual of Enumclaw	$115
Humptulips	$194	Mutual of Enumclaw	$125
Hunters	$192	Mutual of Enumclaw	$118
Hunts Point	$250	Mutual of Enumclaw	$155
Husum	$196	Mutual of Enumclaw	$125
Ilwaco	$200	Mutual of Enumclaw	$125
Inchelium	$198	Mutual of Enumclaw	$118
Index	$224	Mutual of Enumclaw	$133
Indianola	$200	Mutual of Enumclaw	$127
Inglewood-Finn Hill	$250	Mutual of Enumclaw	$155
Ione	$196	Mutual of Enumclaw	$118
Joyce	$191	Mutual of Enumclaw	$128
Kahlotus	$190	Mutual of Enumclaw	$120
Kalama	$199	Mutual of Enumclaw	$133
Kapowsin	$249	Mutual of Enumclaw	$155
Keller	$194	Mutual of Enumclaw	$118
Kelso	$196	Mutual of Enumclaw	$120
Kettle Falls	$195	Mutual of Enumclaw	$115
Key Center	$223	Mutual of Enumclaw	$143
Keyport	$197	Mutual of Enumclaw	$115
Kingsgate	$250	Mutual of Enumclaw	$155
Kingston	$202	Mutual of Enumclaw	$128
Klahanie	$239	Mutual of Enumclaw	$128
Klickitat	$191	Mutual of Enumclaw	$115
La Center	$217	Mutual of Enumclaw	$155
La Conner	$185	Mutual of Enumclaw	$115
La Grande	$243	Mutual of Enumclaw	$143
La Push	$182	Mutual of Enumclaw	$125
LaCrosse	$179	Mutual of Enumclaw	$117
Lake Cassidy	$229	Mutual of Enumclaw	$139
Lake Forest Park	$269	Mutual of Enumclaw	$176
Lake Holm	$259	Mutual of Enumclaw	$163
Lake Ketchum	$200	Mutual of Enumclaw	$128
Lake Marcel-Stillwater	$238	Mutual of Enumclaw	$143
Lake Morton-Berrydale	$260	Mutual of Enumclaw	$159
Lake Shore	$227	Mutual of Enumclaw	$149
Lake Stickney	$267	Mutual of Enumclaw	$155
Lake Tapps	$244	Mutual of Enumclaw	$155
Lakebay	$231	Mutual of Enumclaw	$147
Lakeland North	$265	Mutual of Enumclaw	$163
Lakeland South	$272	Mutual of Enumclaw	$169
Lamona	$185	Mutual of Enumclaw	$117
Lamont	$187	Mutual of Enumclaw	$117
Langley	$195	Mutual of Enumclaw	$125
Larch Way	$261	Mutual of Enumclaw	$155
Latah	$199	Mutual of Enumclaw	$117
Laurier	$195	Mutual of Enumclaw	$115
Leavenworth	$185	Mutual of Enumclaw	$120
Lebam	$204	Mutual of Enumclaw	$120
Lewisville	$223	Mutual of Enumclaw	$155
Liberty Lake	$192	Mutual of Enumclaw	$115
Lilliwaup	$202	Mutual of Enumclaw	$125
Lincoln	$188	Mutual of Enumclaw	$117
Lind	$186	Mutual of Enumclaw	$115
Littlerock	$220	Mutual of Enumclaw	$125
Lochsloy	$235	Mutual of Enumclaw	$143
Lofall	$193	Geico	$129
Long Beach	$205	Mutual of Enumclaw	$143
Longbranch	$230	Mutual of Enumclaw	$133
Longmire	$238	Mutual of Enumclaw	$155
Longview Heights	$197	Mutual of Enumclaw	$120
Loomis	$198	Mutual of Enumclaw	$118
Loon Lake	$206	Mutual of Enumclaw	$117
Lopez Island	$176	Mutual of Enumclaw	$115
Lummi Island	$190	Mutual of Enumclaw	$115
Lyle	$189	Mutual of Enumclaw	$120
Lyman	$203	Mutual of Enumclaw	$125
Lynden	$188	Mutual of Enumclaw	$115
Mabton	$188	Mutual of Enumclaw	$125
Machias	$235	Mutual of Enumclaw	$143
Malaga	$187	Mutual of Enumclaw	$125
Malden	$194	Mutual of Enumclaw	$117
Malo	$200	Mutual of Enumclaw	$118
Malone	$195	Mutual of Enumclaw	$133
Malott	$192	Mutual of Enumclaw	$117
Maltby	$241	Mutual of Enumclaw	$149
Manchester	$202	Mutual of Enumclaw	$143
Mansfield	$184	Mutual of Enumclaw	$117
Manson	$182	Mutual of Enumclaw	$115
Maple Falls	$198	Mutual of Enumclaw	$115
Maple Heights-Lake Desire	$261	Mutual of Enumclaw	$163
Maplewood	$224	Mutual of Enumclaw	$147
Marblemount	$195	Mutual of Enumclaw	$115
Marcus	$197	Mutual of Enumclaw	$115
Marietta-Alderwood	$189	Mutual of Enumclaw	$133
Marlin	$180	Mutual of Enumclaw	$115
Marrowstone	$185	Mutual of Enumclaw	$120
Marshall	$197	Mutual of Enumclaw	$115
Martha Lake	$253	Mutual of Enumclaw	$150
Matlock	$205	Mutual of Enumclaw	$133
Mattawa	$182	Mutual of Enumclaw	$120
Mazama	$208	Mutual of Enumclaw	$117
McChord Air Force Base	$262	Mutual of Enumclaw	$163
McCleary	$193	Mutual of Enumclaw	$133
McKenna	$245	Mutual of Enumclaw	$147
McMillin	$239	Mutual of Enumclaw	$147
Mead	$209	Mutual of Enumclaw	$115
Meadow Glade	$223	Mutual of Enumclaw	$155
Meadowdale	$260	Mutual of Enumclaw	$147
Medical Lake	$200	Mutual of Enumclaw	$117
Medina	$242	Mutual of Enumclaw	$147
Menlo	$205	Mutual of Enumclaw	$133
Mesa	$182	Mutual of Enumclaw	$120
Metaline	$196	Mutual of Enumclaw	$118
Metaline Falls	$198	Mutual of Enumclaw	$118
Methow	$194	Mutual of Enumclaw	$117
Mica	$199	Mutual of Enumclaw	$117
Midland	$278	Mutual of Enumclaw	$176
Mill Creek East	$244	Mutual of Enumclaw	$144
Millwood	$206	Mutual of Enumclaw	$120
Milton	$259	Mutual of Enumclaw	$166
Mineral	$215	Mutual of Enumclaw	$128
Minnehaha	$233	Mutual of Enumclaw	$147
Mirrormont	$242	Mutual of Enumclaw	$143
Moclips	$200	Mutual of Enumclaw	$120
Mohler	$186	Mutual of Enumclaw	$117
Monitor	$184	Mutual of Enumclaw	$120
Monroe North	$228	Mutual of Enumclaw	$143
Montesano	$186	Mutual of Enumclaw	$128
Morton	$196	Mutual of Enumclaw	$128
Moses Lake North	$176	Mutual of Enumclaw	$125
Mossyrock	$191	Mutual of Enumclaw	$125
Mount Vista	$220	Mutual of Enumclaw	$151
Moxee	$190	Mutual of Enumclaw	$125
Naches	$194	Mutual of Enumclaw	$128
Nahcotta	$214	Mutual of Enumclaw	$143
Napavine	$191	Mutual of Enumclaw	$120
Naselle	$203	Mutual of Enumclaw	$125
Navy Yard City	$200	Mutual of Enumclaw	$133
Neah Bay	$180	Mutual of Enumclaw	$125
Nespelem	$193	Mutual of Enumclaw	$118
Newcastle	$266	Mutual of Enumclaw	$159
Newman Lake	$195	Mutual of Enumclaw	$115
Newport	$203	Mutual of Enumclaw	$117
Nine Mile Falls	$207	Mutual of Enumclaw	$115
Nisqually Indian Community	$215	Mutual of Enumclaw	$125
Nooksack	$198	Mutual of Enumclaw	$115
Nordland	$185	Mutual of Enumclaw	$120
Normandy Park	$265	Mutual of Enumclaw	$164
North Bend	$234	Mutual of Enumclaw	$143
North Bonneville	$206	Mutual of Enumclaw	$128
North Fort Lewis	$265	Mutual of Enumclaw	$155
North Lakewood	$253	Mutual of Enumclaw	$133
North Lynnwood	$262	Mutual of Enumclaw	$152
North Puyallup	$254	Mutual of Enumclaw	$163
North Yelm	$222	Mutual of Enumclaw	$128
Northport	$199	Mutual of Enumclaw	$115
Oakesdale	$181	Mutual of Enumclaw	$117
Oakville	$199	Mutual of Enumclaw	$128
Ocean Park	$204	Mutual of Enumclaw	$143
Ocean Shores	$184	Mutual of Enumclaw	$117
Odessa	$187	Mutual of Enumclaw	$117
Okanogan	$192	Mutual of Enumclaw	$117
Olalla	$208	Geico	$143
Olga	$182	Mutual of Enumclaw	$118
Omak	$191	Mutual of Enumclaw	$117
Onalaska	$195	Mutual of Enumclaw	$133
Orchards	$237	Mutual of Enumclaw	$155
Orient	$197	Mutual of Enumclaw	$118
Orondo	$188	Mutual of Enumclaw	$117
Oroville	$191	Mutual of Enumclaw	$118
Orting	$238	Mutual of Enumclaw	$147
Othello	$182	Mutual of Enumclaw	$120
Otis Orchards	$194	Mutual of Enumclaw	$115
Otis Orchards-East Farms	$194	Mutual of Enumclaw	$115
Outlook	$192	Mutual of Enumclaw	$125
Oysterville	$206	Mutual of Enumclaw	$143
Pacific	$270	Mutual of Enumclaw	$163
Pacific Beach	$191	Mutual of Enumclaw	$120
Packwood	$205	Mutual of Enumclaw	$143
Palisades	$186	Mutual of Enumclaw	$117
Palouse	$178	Mutual of Enumclaw	$117
Paradise Inn	$239	Mutual of Enumclaw	$155
Parker	$201	Mutual of Enumclaw	$125
Parkland	$279	Mutual of Enumclaw	$176
Parkwood	$202	Mutual of Enumclaw	$143
Pateros	$192	Mutual of Enumclaw	$117
Paterson	$188	Mutual of Enumclaw	$125
Pe Ell	$198	Mutual of Enumclaw	$120
Peaceful Valley	$198	Mutual of Enumclaw	$115
Peshastin	$187	Mutual of Enumclaw	$120
Picnic Point	$263	Mutual of Enumclaw	$151
Plymouth	$189	Mutual of Enumclaw	$125
Point Roberts	$195	State Farm	$143
Pomeroy	$186	Mutual of Enumclaw	$115
Port Angeles East	$178	Travelers	$134
Port Gamble	$206	Geico	$129
Port Gamble Tribal Comunity	$202	Mutual of Enumclaw	$128
Port Hadlock	$183	Mutual of Enumclaw	$125
Port Hadlock-Irondale	$183	Mutual of Enumclaw	$125
Port Ludlow	$185	Mutual of Enumclaw	$128
Port Orchard	$203	Mutual of Enumclaw	$143
Port Townsend	$179	Mutual of Enumclaw	$133
Poulsbo	$193	Geico	$129
Prairie Heights	$231	Mutual of Enumclaw	$155
Prairie Ridge	$244	Mutual of Enumclaw	$155
Prescott	$188	Mutual of Enumclaw	$117
Preston	$246	Mutual of Enumclaw	$143
Prosser	$181	Mutual of Enumclaw	$125
Puget Island	$198	Mutual of Enumclaw	$120
Purdy	$224	Mutual of Enumclaw	$147
Quilcene	$190	Mutual of Enumclaw	$128
Quinault	$190	Mutual of Enumclaw	$125
Quincy	$179	Mutual of Enumclaw	$115
Rainier	$215	Mutual of Enumclaw	$125
Randle	$200	Mutual of Enumclaw	$133
Ravensdale	$246	Mutual of Enumclaw	$143
Raymond	$195	Mutual of Enumclaw	$133
Reardan	$197	Mutual of Enumclaw	$117
Republic	$195	Mutual of Enumclaw	$118
Retsil	$222	Geico	$129
Rice	$198	Mutual of Enumclaw	$118
Ridgefield	$216	Mutual of Enumclaw	$147
Ritzville	$179	Mutual of Enumclaw	$115
Riverbend	$233	Mutual of Enumclaw	$143
Riverside	$193	Mutual of Enumclaw	$118
Riverton	$288	Mutual of Enumclaw	$176
Rochester	$202	Mutual of Enumclaw	$120
Rock Island	$190	Mutual of Enumclaw	$117
Rockford	$198	Mutual of Enumclaw	$115
Rockport	$200	Mutual of Enumclaw	$120
Rocky Point	$200	Mutual of Enumclaw	$133
Rollingbay	$215	Geico	$129
Ronald	$184	Mutual of Enumclaw	$128
Roosevelt	$184	Mutual of Enumclaw	$115
Rosalia	$183	Mutual of Enumclaw	$117
Rosburg	$196	Mutual of Enumclaw	$120
Rosedale	$224	Mutual of Enumclaw	$147
Roslyn	$185	Mutual of Enumclaw	$128
Roy	$235	Mutual of Enumclaw	$147
Royal City	$178	Mutual of Enumclaw	$115
Ryderwood	$207	Mutual of Enumclaw	$120
Salkum	$197	Mutual of Enumclaw	$125
Salmon Creek	$225	Mutual of Enumclaw	$155
Satsop	$197	Mutual of Enumclaw	$120
Seabeck	$197	Mutual of Enumclaw	$133
Seahurst	$281	Mutual of Enumclaw	$166
Seaview	$206	Mutual of Enumclaw	$143
Sedro-Woolley	$190	Mutual of Enumclaw	$125
Sekiu	$179	Mutual of Enumclaw	$125
Selah	$189	Mutual of Enumclaw	$128
Sequim	$178	Geico	$137
Shadow Lake	$252	Mutual of Enumclaw	$152
Shaw Island	$185	Mutual of Enumclaw	$115
Shelton	$201	Geico	$137
Silvana	$239	Mutual of Enumclaw	$128
Silver Creek	$185	Mutual of Enumclaw	$125
Silver Firs	$243	Mutual of Enumclaw	$148
Silverdale	$197	Geico	$129
Silverlake	$198	Mutual of Enumclaw	$125
Sisco Heights	$218	Mutual of Enumclaw	$133
Skamokawa Valley	$203	Mutual of Enumclaw	$120
Skokomish	$201	Geico	$137
Skykomish	$228	Mutual of Enumclaw	$128
Snohomish	$232	Mutual of Enumclaw	$144
Snoqualmie	$229	Mutual of Enumclaw	$143
Snoqualmie Pass	$213	Mutual of Enumclaw	$128
Soap Lake	$178	Mutual of Enumclaw	$115
South Bend	$194	Mutual of Enumclaw	$133
South Cle Elum	$185	Mutual of Enumclaw	$128
South Colby	$218	Geico	$129
South Creek	$243	Mutual of Enumclaw	$153
South Hill	$257	Mutual of Enumclaw	$166
South Prairie	$238	Mutual of Enumclaw	$155
South Wenatchee	$187	Mutual of Enumclaw	$120
Southworth	$202	Mutual of Enumclaw	$143
Spanaway	$264	Mutual of Enumclaw	$171
Spangle	$197	Mutual of Enumclaw	$117
Sprague	$193	Mutual of Enumclaw	$117
Springdale	$206	Mutual of Enumclaw	$117
St. John	$182	Mutual of Enumclaw	$117
Stansberry Lake	$223	Mutual of Enumclaw	$143
Stanwood	$200	Mutual of Enumclaw	$128
Startup	$226	Mutual of Enumclaw	$133
Stehekin	$199	Mutual of Enumclaw	$117
Steilacoom	$250	Mutual of Enumclaw	$155
Steptoe	$198	Mutual of Enumclaw	$115
Stevenson	$201	Mutual of Enumclaw	$128
Stratford	$177	Mutual of Enumclaw	$115
Sudden Valley	$189	Mutual of Enumclaw	$133
Sultan	$226	Mutual of Enumclaw	$133
Sumas	$193	Mutual of Enumclaw	$115
Summit	$256	Mutual of Enumclaw	$169
Summit View	$258	Mutual of Enumclaw	$169
Sumner	$245	Mutual of Enumclaw	$155
Sunnyside	$185	Mutual of Enumclaw	$128
Sunnyslope	$187	Mutual of Enumclaw	$120
Suquamish	$197	Mutual of Enumclaw	$129
Taholah	$193	Mutual of Enumclaw	$125
Tahuya	$201	Mutual of Enumclaw	$125
Tanglewilde	$216	Mutual of Enumclaw	$126
Tanner	$234	Mutual of Enumclaw	$143
Tekoa	$183	Mutual of Enumclaw	$117
Tenino	$204	Mutual of Enumclaw	$120
Terrace Heights	$193	Mutual of Enumclaw	$125
Thornton	$179	Mutual of Enumclaw	$117
Thorp	$190	Mutual of Enumclaw	$128
Three Lakes	$228	Mutual of Enumclaw	$143
Tieton	$197	Mutual of Enumclaw	$128
Tokeland	$197	Mutual of Enumclaw	$120
Toledo	$193	Mutual of Enumclaw	$128
Tonasket	$192	Mutual of Enumclaw	$118
Toppenish	$190	Mutual of Enumclaw	$125
Touchet	$186	Mutual of Enumclaw	$117
Toutle	$200	Mutual of Enumclaw	$125
Town and Country	$210	Mutual of Enumclaw	$125
Tracyton	$203	Mutual of Enumclaw	$131
Trout Lake	$190	Mutual of Enumclaw	$120
Tumtum	$203	Mutual of Enumclaw	$117
Twisp	$188	Mutual of Enumclaw	$117
Underwood	$203	Mutual of Enumclaw	$120
Union	$205	Mutual of Enumclaw	$128
Union Gap	$191	Mutual of Enumclaw	$120
Union Hill-Novelty Hill	$248	Mutual of Enumclaw	$143
Uniontown	$184	Mutual of Enumclaw	$115
Usk	$198	Mutual of Enumclaw	$118
Vader	$197	Mutual of Enumclaw	$120
Valley	$205	Mutual of Enumclaw	$118
Valleyford	$198	Mutual of Enumclaw	$117
Vantage	$180	Mutual of Enumclaw	$120
Vashon	$222	Mutual of Enumclaw	$133
Vaughn	$223	Mutual of Enumclaw	$143
Venersborg	$223	Mutual of Enumclaw	$155
Veradale	$205	Mutual of Enumclaw	$115
Wahkiacus	$199	Mutual of Enumclaw	$120
Waitsburg	$185	Mutual of Enumclaw	$115
Waldron	$185	Mutual of Enumclaw	$117
Walla Walla East	$186	Mutual of Enumclaw	$120
Waller	$258	Mutual of Enumclaw	$171
Wallula	$187	Mutual of Enumclaw	$117
Walnut Grove	$232	Mutual of Enumclaw	$148
Wapato	$189	Mutual of Enumclaw	$125
Warden	$176	Mutual of Enumclaw	$120
Warm Beach	$200	Mutual of Enumclaw	$128
Washougal	$217	Mutual of Enumclaw	$155
Washtucna	$181	Mutual of Enumclaw	$117
Waterville	$185	Mutual of Enumclaw	$117
Wauconda	$197	Mutual of Enumclaw	$118
Wauna	$223	Mutual of Enumclaw	$143
Waverly	$202	Mutual of Enumclaw	$117
Wellpinit	$206	Mutual of Enumclaw	$117
West Clarkston-Highland	$181	Mutual of Enumclaw	$120
West Pasco	$188	Mutual of Enumclaw	$120
West Richland	$183	Mutual of Enumclaw	$125
West Side Highway	$197	Mutual of Enumclaw	$120
Westport	$189	Mutual of Enumclaw	$128
Whidbey Island Station	$196	Mutual of Enumclaw	$120
White Center	$281	Mutual of Enumclaw	$176
White Salmon	$188	Mutual of Enumclaw	$125
White Swan	$191	Mutual of Enumclaw	$120
Wilbur	$187	Mutual of Enumclaw	$117
Wilderness Rim	$233	Mutual of Enumclaw	$143
Wilkeson	$238	Mutual of Enumclaw	$155
Winlock	$195	Mutual of Enumclaw	$128
Winthrop	$196	Mutual of Enumclaw	$118
Wishram	$191	Mutual of Enumclaw	$120
Wollochet	$222	Mutual of Enumclaw	$155
Woodinville	$242	Mutual of Enumclaw	$147
Woodland	$207	Mutual of Enumclaw	$143
Woods Creek	$232	Mutual of Enumclaw	$143
Woodway	$257	Mutual of Enumclaw	$166
Yacolt	$222	Mutual of Enumclaw	$147
Yarrow Point	$250	Mutual of Enumclaw	$155
Yelm	$222	Mutual of Enumclaw	$128
Zillah	$189	Mutual of Enumclaw	$125

Best car insurance for most people in Washington state: State Farm

Full coverage rate

This analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.

$169/mo

Claims process

Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.

8.5/10

AM Best rating

An A+ financial strength rating.

A+

Find Insurers
Read Reviews

From the experts

State Farm offers the best combination of dependable customer service and affordable rates in Washington state.

Pros & cons

Pros:

Reliable customer service
Low rates
Lots of discounts

Cons:

Limited coverage add-ons

Why is State Farm the best?

State Farm is the best option in Washington if you're OK with paying extra for reliable customer service.

State Farm's great customer service reviews mean it will likely help you get back on the road quickly after a crash.

State Farm earned the second-highest rating on J.D. Power's customer satisfaction survey, compared to 11 other northwestern companies.
State Farm also scored ninth out of the 21 largest car insurance companies on J.D. Power's claims satisfaction survey.
State Farm gets 41% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).

State Farm has some of the most affordable car insurance in Washington. Full coverage from State Farm costs around $169 per month, which is a savings of 23% compared to the state average. But it's $32 per month more than the cheapest company, Mutual of Enumclaw.

However, State Farm could have the cheapest rates for you if you can get lots of its discounts.

For instance, some drivers save as much as 30% for practicing safe driving habits with State Farm's Drive Safe & Save program. The program tracks your driving habits using a mobile app. People who practice safe driving habits, like staying under the speed limit, earn higher discounts.

Other top auto insurance companies in WA

USAA has the overall best customer service in Washington state. But only military members, veterans and some of their family members can buy insurance from USAA.

Company	J.D. Power	AM Best
USAA	735	A++
State Farm	650	A+
Mutual of Enumclaw	NR	A-
Farmers	622	A
Pemco	619	B++
Travelers	613	A++

How did we pick the best company?

The author, Lindsay Bishop, chose the best car insurance companies in Washington based on:

J.D. Power's 2025 U.S. Auto Insurance Study
J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
National Association of Insurance Commissioners complaint data
Each company's average car insurance rates in Washington
Coverage availability and optional add-ons
The author's 7+ years of insurance industry experience

ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.

Best Washington insurance after a speeding ticket: Mutual of Enumclaw

Mutual of Enumclaw has the cheapest quotes for Washington drivers with a recent speeding ticket. Full coverage from Mutual of Enumclaw costs $167 per month, which is $124 per month less than the Washington average.

Cheapest WA state auto insurance after a speeding ticket

Company	Monthly rate
Mutual of Enumclaw	$167
State Farm	$184
Travelers	$222
Geico	$261
USAA*	$157

*USAA is only available to current and former military members and their families.

In Washington state, car insurance rates go up by 33% after one speeding ticket. That's an average increase of $71 per month for a full coverage policy.

Best cheap insurance in WA after an accident: Mutual of Enumclaw

Mutual of Enumclaw has the most affordable quotes for Washington drivers after an accident. At $185 per month, full coverage auto insurance from Mutual of Enumclaw is $138 per month less than the Washington state average.

Cheap auto insurance in Washington after an accident

Company	Monthly rate
Mutual of Enumclaw	$185
State Farm	$200
Travelers	$248
Geico	$284
USAA*	$183

*USAA is only available to current and former military members and their families.

Full coverage car insurance rates go up by an average of 47% after a single accident in Washington state.

Don't shop for a new policy right after your accident.

Your rates won't go up until your current policy renews. But any quotes you get now will include your accident, so they'll probably be more expensive than what you're currently paying.

Instead, wait until you get your renewal offer, a few weeks to a month before your current policy expires. Then, get quotes from multiple companies to find the best price for you.

Cheapest Washington auto insurance for teens: Mutual of Enumclaw

Mutual of Enumclaw has the most affordable quotes for young drivers in Washington.

A minimum liability policy from Mutual of Enumclaw costs $160 per month for an 18-year-old driver. That's one-third less than the Washington state average of $243 per month.

Teen drivers can also find the cheapest full coverage insurance at Mutual of Enumclaw. A policy costs $347 per month, which is $257 per month less than the state average.

Affordable car insurance in Washington for teens

Company	Liability only	Full coverage
Mutual of Enumclaw	$160	$347
State Farm	$193	$482
Geico	$196	$500
Travelers	$196	$454
USAA*	$144	$427

*USAA is only available to current and former military members and their families.

In Washington, 18-year-old drivers pay around three times as much for car insurance as older drivers. That's because their lack of experience behind the wheel typically leads to more accidents.

Young drivers can get the best car insurance rates by sharing a policy with their parents.

Many companies also have discounts geared toward young drivers. For example, you can earn a discount with State Farm's Steer Clear program when you take online safety courses and practice driving with a mentor.

Cheapest WA insurance for teens with a ticket or accident: Mutual of Enumclaw and State Farm

Mutual of Enumclaw has the cheapest car insurance for Washington teens with a speeding ticket. Minimum liability insurance from Mutual of Enumclaw costs around $207 per month for an 18-year-old driver with one speeding ticket. That's $92 per month cheaper than the Washington state average.

State Farm is the most affordable company for young drivers who have caused an accident. At $236 per month, minimum liability coverage from State Farm is $94 per month less than the statewide average.

Cheap car insurance in WA state for teens with a ticket or accident

Company	Ticket	Accident
Mutual of Enumclaw	$207	$240
State Farm	$215	$236
Travelers	$245	$290
Geico	$271	$305
Pemco	$278	$291
USAA*	$198	$249

*USAA is only available to current and former military members and their families.

A single speeding ticket raises rates for teenage drivers by 23% on average. After an accident, car insurance quotes go up by 37% for 18-year-old drivers in Washington.

Affordable Washington state car insurance after a DUI: Mutual of Enumclaw

Mutual of Enumclaw has the cheapest car insurance for drivers in Washington with a DUI. A full coverage policy from Mutual of Enumclaw costs $239 per month, which is $91 per month less than the average cost of DUI insurance in Washington state.

Cheapest car insurance quotes in Washington state after a DUI

Company	Monthly rate
Mutual of Enumclaw	$239
Travelers	$256
Progressive	$266
Geico	$269
USAA*	$245

*USAA is only available to current and former military members and their families.

Washington drivers can expect their rates to go up by an average of 50% after a DUI.

Most drivers also need SR-22 insurance after a DUI in Washington.

Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That fee is in addition to any increase in your car insurance rates.

Cheapest car insurance in WA for drivers with poor credit: Geico

Geico has the cheapest car insurance in Washington state for drivers with a poor credit score. Full coverage from Geico costs around $212 per month, which is $100 per month less than the Washington average.

Best Washington state auto insurance quotes for poor credit

Company	Monthly rate
Geico	$212
Mutual of Enumclaw	$238
Farmers	$258
Travelers	$284
USAA*	$203

*USAA is only available to current and former military members and their families.

In Washington, drivers with poor credit pay 42% more for car insurance than those with a good credit score. That's because car insurance companies believe drivers with poor credit are more likely to file a claim in the future.

If you have a bad credit score but are generally a good driver, you may be able to save money with a usage-based insurance program. These programs use a cellphone app or plug-in device to track your driving habits, including speed, phone usage and the time of day you drive.

People who practice safe driving habits can earn a significant discount through usage-based programs. However, some companies — including Allstate, Geico and Progressive — may raise your rates if you get a bad driving score.

What insurance is required by law in Washington state?

Drivers in Washington state must have a minimum amount of liability insurance to drive legally, sometimes written as 25/50/10.

Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
Property damage (PD) liability: $10,000 per accident

The state of Washington requires all insurance companies to automatically include personal injury protection (PIP) coverage on every insurance policy, but you can reject it in writing. If you decide to keep it, you can choose $10,000 or $35,000 per accident.

What's the best car insurance to get in Washington?

Most drivers should choose full coverage auto insurance over minimum coverage.

That's because a full coverage policy protects your car with comprehensive and collision coverage.

Collision coverage pays for damage to your car after a crash, whether it's with another car, a building or a stationary object like a pole.
Comprehensive coverage pays for damage outside of your control, like damage from hail or a tree branch falling on your car.

Most lenders require you to have collision and comprehensive coverage if you have a car loan or lease. It's also a good idea if your car is less than 8 years old or worth more than $5,000.

In addition, you may want to choose higher liability limits than the state requirement to avoid a big bill after a serious accident.

For example, if you crash into a brand-new Tesla and total it, $10,000 of property damage liability insurance won't be enough to replace it. So if you have minimum coverage insurance, you'll have to pay the difference.

Alternatives to car insurance

An auto insurance policy is typically the easiest way to meet Washington's mandatory motor vehicle insurance law. However, there are two other ways to meet the requirements without buying a policy:

You can deposit $60,000 with Washington's department of motor vehicles (known as the State Department of Licensing), which will then issue you a certificate of deposit.
You can buy a $60,000 liability bond.

These options are not a good idea for most drivers because if you get into an accident, you could easily end up owing more for any damage you cause.

If you have a bad driving record and are having trouble finding car insurance coverage, you can get a policy through the Automobile Insurance Plan Service Office (AIPSO). AIPSO is an insurance company that offers coverage to people who can't find it elsewhere, also called an "insurer of last resort."

Before calling AIPSO, try working with a local independent insurance agent to find coverage. Independent agents work with multiple companies and may be able to find a smaller company that specializes in covering high-risk drivers.

Frequently asked questions

What's the average car insurance rate in Washington state?

Full coverage car insurance in Washington costs $219 per month, on average. A minimum liability policy costs an average of $78 per month.

How much is car insurance in Spokane, WA?

Full coverage car insurance in Spokane costs an average of $214 per month. That's 2% cheaper than the Washington state average. In comparison, full coverage in Seattle costs $272 per month.

Who has the cheapest car insurance in Washington state?

In 2026, Mutual of Enumclaw has the cheapest rates in Washington for most people. Full coverage from Mutual of Enumclaw costs around $137 per month — $82 per month cheaper than average.

Mutual of Enumclaw also has the cheapest liability-only coverage, at $53 per month.

Methodology

To find the cheapest auto insurance in Washington state, ValuePenguin collected thousands of rates from ZIP codes across WA for the state's largest insurance companies. Rates are for a 30-year-old man who owns a 2018 Honda Civic EX with good credit.

Quotes are for a full coverage policy with more liability coverage than the state minimum.

Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $50,000 per accident
Personal injury protection (PIP): $10,000
Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
Comprehensive and collision: $500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.

Choose the best option for you:

Best full coverage
Best liability-only
Cheapest by city
Best customer support
Best after a ticket
Best after an accident
Best for teens
Best for teens with a ticket
Best with a DUI
Best with poor credit

Best full coverage
Best liability-only
Cheapest by city
Best customer support
Best after a ticket
Best after an accident
Best for teens
Best for teens with a ticket
Best with a DUI
Best with poor credit

About the Author

Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.

Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.

After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.

When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.

How insurance helped Lindsay

As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.

Expertise

Home insurance
Car insurance
Flood insurance
Renters insurance
Motorcycle insurance

Referenced by

CNBC
Yahoo Finance
Miami Herald

Education

BS/BA Economics, University of Nevada Las Vegas

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.

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Choose the best option for you:

Best full coverage
Best liability-only
Cheapest by city
Best customer support
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Best Cheap Car Insurance Quotes in Washington (2026)

Find Cheap Auto Insurance Quotes in Washington

Best cheap car insurance in Washington

Cheapest Washington car insurance rates: Mutual of Enumclaw

Find Cheap Auto Insurance Quotes in Washington

Best cheap full coverage car insurance in Washington state

Cheapest liability insurance in Washington state: Mutual of Enumclaw

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Find Cheap Auto Insurance Quotes in Washington

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Find Cheap Auto Insurance Quotes in Washington

Best car insurance for most people in Washington state: State Farm

Best Washington insurance after a speeding ticket: Mutual of Enumclaw

Cheapest WA state auto insurance after a speeding ticket

Best cheap insurance in WA after an accident: Mutual of Enumclaw

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Affordable Washington state car insurance after a DUI: Mutual of Enumclaw

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Cheapest car insurance in WA for drivers with poor credit: Geico

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