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Compare car insurance in Washington

Get the cheapest car insurance in Washington for 2022

Washington drivers pay an average of $1,120.02 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $93.33 per month. Washington drivers pay about 6% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Washington car insurance quick facts

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Minimum liability requirements

25/50/10

Average annual car insurance cost according to the NAIC

$$1,120.02

At-fault state

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

Washington state minimum car insurance requirements

Drivers in Washington are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/10, but we’ll break down what that means.

    Bodily Injury Liability

    Washington bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Washington requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Washington property damage liability

    • $10,000 property damage liability

    Washington requires drivers to carry $10,000 of property damage liability to legally drive. This is on the lower end of required property damage limits across the US.

    This means $10,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Finder tip: State minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Washington, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In Washington, the driver at fault pays for damage

    Washington is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.

    However, Washington also considers whether both drivers are partially at fault under a law called pure comparative fault, according to the legal website Nolo. Under this law, both drivers pay for the percentage of damage that they cause.

    For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s property damage. The other driver’s insurance pays 20% of your property damage.

    7 factors that affect car insurance rates in Washington

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Washingtonian’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    Washington takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    Washington vehicle theft rates stand at 356.1 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s the ninth highest number of vehicle thefts in a state, with a national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 21.7% of Washingtonians on the road are uninsured. That’s the fifth highest percentage of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Washingtonians drive an average of 40.4 miles per day, that’s well above the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Washington State Office of the Insurance Commissioner issued an emergency ruling in March 2021 that bans insurers from using your credit score to determine your rates.

    This new rule comes at the heels of the pandemic and stays in effect for three years after the coronavirus pandemic is declared over.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Rhode Island can increase your rate by around 28%. These types of violations typically stay on your record for about three years.

    Do I need SR-22 insurance in Washington?

    If you need SR-22 insurance in Washington, you’ll be notified by the DMV. This form proves that you’re able to maintain enough liability car insurance to meet your state’s minimum requirements, and allows you to stay on the road. In Washington, most court-mandated SR-22s are required for a minimum of three years. Drivers required to complete an SR-22 are usually those with multiple speeding tickets, a DUI, or found driving without insurance. Learn more about SR-22 car insurance in Washington.

    Coverage we recommend for Washington drivers

    Your car insurance should offer enough coverage to help you financially recover after an accident. While your state requires a minimum level of coverage, in most cases it won’t be enough to keep you from out-of-pocket costs.

    Washingtonians drive more miles per day than average across the US, and with a higher than average percentage of uninsured drivers on the road, you’ve got additional risks to consider. Increasing your required coverage and adding optional types of coverage may be worth the extra costs to protect your assets.

    Higher liability limits

    Washington requires 25/50/10 for liability coverage, a low amount of protection if you end up paying someone else’s medical bills and property damage. You need higher protection in most cases, especially if another driver takes you to court. Talk with your insurance agent to weigh how much out-of-pocket costs your budget can afford after an accident. You’ll want to set liability limits that balance your monthly budget and offer the coverage you need to protect your assets.

    Collision

    For accidents where you’re at fault, your collision coverage pays for your own car’s damage — if you buy this optional coverage. Otherwise, repairs to your own vehicle could cost you out of pocket.

    Remember that your required liability coverage doesn’t pay for your car damage. Instead, it pays for damage to someone else’s property.

    Consider collision coverage if . . .

    • Your car loan requires it.
    • It costs less than your car’s value.
    • You can’t pay for car repairs or another car out of pocket.
    • You drive your car regularly, such as for commuting.

    Comprehensive

    Because Washington holds the 9th highest vehicle theft rate across the US, consider adding comprehensive coverage to your policy. You’re covered for the outright theft of your vehicle, plus any damages that might occur during a break-in.

    Plus, while Washington doesn’t see extreme severe weather often, the coverage can kick in to cover damages from harsh weather, falling tree branches or animals.

    Consider this coverage if . . .

    • It’s required for your car loan.
    • You can’t repair or replace your car out of pocket.
    • Your area has a high risk of theft or serious storms.

    Uninsured or underinsured motorist

    This coverage isn’t required in Washington, but as a state with the 5th highest percentage of uninsured drivers on the road, you may consider opting in. If you’re in an accident with a driver who doesn’t have proper coverage, uninsured or underinsured motorist coverage pays for your medical expenses, car repairs or other property damage.

    Consider this coverage if . . .

    • You can’t pay for car repairs or another car on your own.
    • You don’t have health insurance.
    • Your health insurance has high out-of-pocket costs.

    Roadside assistance

    Washingtonians spend a lot of time on the road and drive well above the average across the US for miles driven per day. Long commutes leave more chance for getting stranded on the road. Adding roadside assistance gives you a dedicated customer service number to call if your car breaks down, with features like tire changes, towing or fuel delivery.

    Consider this coverage if . . .

    • You rely on your car to get around.
    • You own an older or less reliable vehicle.
    • You don’t have roadside assistance through your car warranty.
    • You’d rather not research service providers on your own after a breakdown.

    Top 10 auto insurance companies in USA that serve Washington

    We’ve pulled the top 10 companies by market share that offer coverage in Washington according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Get Quotes
    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    American Family
    A+
    815/1000
    1.35
    2.1

    ★★★★★ 4/5

    Read review

    Travelers
    A+
    820/1000
    3.28
    2

    ★★★★★ 4/5

    Read review

    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
    Allstate$1832
    American Family$1764
    Metromile$1131
    Progressive$1961
    Geico$1990

    Car insurance quotes in Pasco

    CompanyAnnual car insurance rate
    Allstate$1436
    American Family$1361
    Metromile$899
    Progressive$1497
    Geico$1537

    Car insurance quotes in Bothell

    CompanyAnnual car insurance rate
    Allstate$1907
    American Family$1818
    Metromile$1190
    Progressive$1960
    Geico$1953

    Car insurance quotes in Vancouver

    CompanyAnnual car insurance rate
    Allstate$1611
    American Family$1610
    Metromile$1110
    Progressive$1969
    Geico$1994

    Car insurance quotes in Everett

    CompanyAnnual car insurance rate
    Allstate$1884
    American Family$1704
    Metromile$1142
    Progressive$1970
    Geico$1922

    Compare car insurance providers in Washington

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Allstate
    Yes
    Yes
    Drivewise
    Yes
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

    Speak to an agent: 877-526-1527

    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    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.
    Pretected
    Yes
    Depends on provider
    No
    No
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    Root
    No
    Yes
    Telematics only
    Yes
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    The AARP Auto Insurance Program from the Hartford
    Yes
    Yes
    TrueLane®
    No
    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.
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.

    Speak to an agent: 877-336-0538

    Nationwide
    Yes
    No
    Yes
    Yes
    All states except AK, HI, LA, MA
    Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
    Savvy
    Yes
    Depends on provider
    No
    Yes
    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.
    Sigo Seguros
    Sigo Seguros
    No
    Yes
    No
    Yes
    Texas
    Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
    AAA
    Yes
    Yes
    No
    Yes
    AK, AZ, CA, MT, NV, UT and WY
    Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    State Farm
    No
    Yes
    Drive Safe and Save
    Yes
    All 50 states
    Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

    Speak to an agent: 877-745-0232

    Allied
    Yes
    Yes
    Nationwide SmartRide
    No
    AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
    Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
    Assurance
    Yes
    Yes
    No
    Yes
    All states except AK & HI
    This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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    Compare up to 4 providers

    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.

    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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