Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average cost of car insurance in Washington in 2023

Updated Jan 20, 2023
Pay less for auto insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon
Lock Secure Your information is secure
Compare quotes from reliable carriers
+ MORE
User
Provide some info to get offers
We only ask for info that can impact your rate so we can share accurate and personalized offers.
Insurance Auto
Select your policy
Compare and move forward with as many offers as you want from a list of trusted carriers.
Congrats
Settle your rate and policy details
Once you’ve decided on a carrier, wrap up the process online or on the phone with a trusted agent. 

Compare rates and save on auto insurance today!

Close X

Washington state has competitive auto insurance rates compared to the national average. In Washington, the annual average for full coverage in 2022 is $1,313 per year and $482 per year for minimum coverage. In contrast, the national average is significantly higher at $1,771 per year for full coverage and $545 per year for minimum coverage. While these averages can help drivers determine when they are getting a good deal or overpaying for auto insurance, it's essential to understand that individual rates can vary significantly. Still, understanding average costs can be an excellent way to begin finding the best car insurance company for you.

How much does car insurance cost in Washington?

The national annual average for full coverage is $1,771, and $545 per year for minimum coverage. By comparison, the yearly average in Washington state in 2022 is $1,313 per year for full coverage and $482 per year for minimum coverage. While minimum coverage is all that's legally required by the state, drivers may opt for full coverage for more robust coverage or because their vehicle has a loan or lease.

When determining auto insurance rates in Washington, insurers analyze a range of variables. Knowing which factors may affect your rates, you can see how your quotes compare to average car insurance costs in Washington. If your rates are higher than the average, you may be able to identify which variable might be negatively impacting your premiums. For instance, your rates may increase if you've gotten a speeding ticket in the last year. In that case, taking a defensive driving course may help to lower those rates again. This information can also help you decide if you are overpaying for car insurance coverage. Below are some of the standard variables used to determine auto insurance rates.

Washington car insurance rates by company

The following table shows just how different rates can be between car insurance providers. Well-known and industry-dominant companies (by market share) may be the cheapest providers in Washington, but sometimes smaller companies can offer more competitive local rates. To help you find the best provider, comparing quotes with multiple companies is worth considering.

Average annual minimum coverage premium
$474
Average annual full coverage premium
$1,601
Average annual minimum coverage premium
$703
Average annual full coverage premium
$1,576
Average annual minimum coverage premium
$462
Average annual full coverage premium
$1,407
Average annual minimum coverage premium
$541
Average annual full coverage premium
$1,676
Average annual minimum coverage premium
$429
Average annual full coverage premium
$1,162
Mutual of Enumclaw
Average annual minimum coverage premium
$433
Average annual full coverage premium
$1,022
PEMCO
Average annual minimum coverage premium
$312
Average annual full coverage premium
$1,010
Average annual minimum coverage premium
$381
Average annual full coverage premium
$1,005
Average annual minimum coverage premium
$412
Average annual full coverage premium
$1,123
Average annual minimum coverage premium
$333
Average annual full coverage premium
$889
Average annual minimum coverage premium
$299
Average annual full coverage premium
$876
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Eligibility restrictions apply for USAA

Washington car insurance rates by city

How much is car insurance in Washington? The following rates show the top cities in Washington based on population. You will notice that some ZIP codes pay more, while others see lower rates than the state average.

City Average annual minimum coverage premium Average annual full coverage premium
Bellevue $516 $1,347
Everett $531 $1,355
Federal Way $605 $1,528
Olympia $449 $1,218
Renton $567 $1,455
Seattle $583 $1,511
Spokane $443 $1,237
Tacoma $595 $1,522
Vancouver $499 $1,313
Yakima $401 $1,159

Washington car insurance rates by age

Washington car insurance rates, like with most states, are heavily influenced by age. Drivers will typically see the highest rates at 18 (when on their own policy), and then a consistent decline till rates flatten at around 30. Car insurance companies generally charge young drivers more because they have less experience behind the wheel and are more likely to get into an accident or commit traffic violations.

The first set of rates presented below is based on younger drivers being on their parents’ policy. It's common for minors to be unable to be the primary policyholder on an auto insurance policy if they are under 18. Many youths may stay on their parents’ insurance policy until they move out and are financially independent.

Average cost of car insurance for drivers on their parents’ policy

Age Average annual minimum coverage premium Average annual full coverage premium
Age 16 $1,143 $2,902
Age 17 $1,068 $2,701
Age 18 $1,099 $2,675
Age 19 $888 $2,241
Age 20 $842 $2,135

Average cost of car insurance for drivers on their own policy

Age Average annual minimum coverage premium Average annual full coverage premium
Age 18 $1,849 $4,665
Age 25 $609 $1,688
Age 30 $449 $1,311
Age 40 $482 $1,313
Age 60 $400 $1,124

Washington car insurance rates by driving record

As with any other state, Washington’s auto insurance rates may be strongly impacted by driving history. If you get into an accident, receive a speeding ticket or are convicted of a DUI, you are more likely to pay higher car insurance premiums. The rates below show the average increase drivers may see after a single offense in each category. If you become a repeat offender, the increase will typically be much higher.

Driving incident Average annual full coverage premium Percent increase of average annual premium
Clean driving record $1,313 0 percent
Speeding ticket $1,574 20 percent
Accident $1,938 48 percent
DUI $2,385 82 percent

How to save on car insurance in Washington

Car insurance rates in Washington are affected positively in a few ways. It may be possible to lower your premium by implementing changes to your policy, such as:

  1. Switching companies: Car insurance companies determine rates differently; some may offer cheaper rates than others. Comparing provider quotes is the most effective way to find the cheapest rates for your situation.
  2. Comparing discounts: While rate shopping, review discounts offered by each company and determine which you may qualify for. It may be helpful to speak with an agent to determine your eligibility and savings amount.
  3. Adjusting deductibles: You may save money by increasing your deductibles. The drawback is that if you are in an accident, you may be responsible for paying more out of pocket.
  4. Changing vehicles: Different vehicles offer different car insurance rates. Considering the cost of insurance before choosing your next vehicle may help you save on car insurance premiums.

Estimate your car insurance cost in Washington

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Lock Secure Data protected by bank-level security.
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowners and on their parent’s or their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Managing Editor