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Compare car insurance in Washington

Get the cheapest car insurance in Washington for 2021

The average annual cost of car insurance in Washington is $1,200. Narrow down car insurers offering coverage in Washington by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Most popular Washington auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$883,75816.0%
Liberty Mutual$574,53610.4%
PEMCO Mutual$295,7245.4%
American Family$196,4803.6%

Average car insurance costs in Washington

Washington drivers paid an average of $1,200 annually for car insurance in 2017, which is a little less than the $1,300 national average. If you’re older than 25 and have a clean driving record, you could expect to pay a lower premium if you live in Washington state.

However, rates are known to vary from one area of a state to the next. Drivers in downtown Seattle, for example, are likely to pay more than drivers out in Walla Walla. This is because city living comes with additional risk for car accidents, theft and vandalism — things that make it more likely for an urban driver to file insurance claims. And the more likely you are to file a claim, the more you’ll be charged for coverage.

Which city has the cheapest car insurance in Washington?

Of Washington’s largest cities, Pasco has the cheapest rates and Vancouver has the most expensive car insurance rates. Vancouver drivers could face rates 2 times more than Pasco drivers.

Car insurance quotes in Redmond

CompanyAnnual car insurance rate
American Family$1764

Car insurance quotes in Pasco

CompanyAnnual car insurance rate
American Family$1361

Car insurance quotes in Bothell

CompanyAnnual car insurance rate
American Family$1818

Car insurance quotes in Vancouver

CompanyAnnual car insurance rate
American Family$1610

Car insurance quotes in Everett

CompanyAnnual car insurance rate
American Family$1704

State minimum requirements in Washington

To legally drive in Washington, you’ll need insurance that includes at least:

  • $25,000 for injuries or death to one person
  • $50,000 for injuries or death to all other people
  • $10,000 for damage to another person’s property

Roadside assistance in Washington

Many Washington insurers offer roadside assistance as an optional extra, and a few offer it free when you buy collision and comprehensive coverage. Washington has some of the worst roads in the country, ranking seventh worst with 31% of roads in poor conditions, according to a recent report by the American Society of Civil Engineers. With so much mountainous terrain and rural roads, it’s difficult for the state to maintain everything with current funding. Roadside help could come in handy for any Washington driver who’s experienced a fender bender, unseen pothole or black ice on a winter night.

Car insurance for high-risk drivers in Washington

If you can’t find cheap coverage or if you’ve been denied coverage because you’re a high-risk driver, you can get insured with the Western Association of Automobile Insurance Plans (WAAIP).

With WAAIP, you’ll be assigned an insurance provider, and any additional risk you pose to the insurance provider is mitigated by spreading it across the WAAIP network of insurance companies.

Can I get SR-22 insurance in Washington?

Yes, you can file an SR-22 insurance in Washington. An SR-22 is a document proving to the state that you meet all of the car insurance minimum requirements. You might need an SR-22 filing if you’ve gotten a DUI or if you’ve been caught driving without car insurance.

Bottom line

Car insurance can help to protect you, your vehicle and everyone else on the road if something ever goes wrong. And in the state of Washington, it’s a legal requirement to carry insurance for these reasons. The first step of comparing car insurance is understanding laws and regulations in your state to help you get the best value on your auto coverage.

Common questions about car insurance in Washington

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