Average cost of car insurance in Washington for 2021

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The average annual cost of car insurance in Washington is $1,176 for full coverage and $463 for minimum coverage. However, there are many factors that influence what you pay for car insurance in Washington besides your state’s coverage requirements. Some of these variables include age, driving history, ZIP code, and insurance provider, meaning your premium is highly-personalized and will vary from the averages provided below.

How much does car insurance cost in Washington?

Everyone will be quoted a unique premium because every driver is in a different situation. Insurance providers effectively look at the variables that represent your risk to determine what you will pay for car insurance. Risk variables or other factors that may contribute to Washington car insurance rates can include:

  • Age
  • Gender
  • Driving history/past violations
  • Type of coverage
  • Deductible amount
  • ZIP code
  • Car make and model

Currently, the average annual car insurance rates in Washington are $463 for minimum coverage and $1,176 for full coverage. Each state has its own average, which may be more or less than the national average. The national average for car insurance is $565 and $1,674, meaning Washington is quite a bit cheaper, on average, compared to other states.

Washington car insurance rates by company

The following table shows just how different rates can be between car insurance providers. Often, well-known and industry-dominant companies (by market share) are the cheapest providers in Washington, but sometimes smaller companies can offer more competitive, local rates. To find the best provider for you, comparison-shopping is recommended.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $560 $1,384
California Casualty $440 $1,371
Capital $500 $1,193
Chubb $456 $1,421
Geico $359 $912
Grange $405 $1,211
MetLife $930 $2,191
Mutual of Enumclaw $386 $915
Oregon Mutual $355 $825
PEMCO $314 $952
Progressive $376 $974
State Farm $404 $951
Travelers $438 $876
USAA $292 $818

Washington car insurance rates by city

How much is car insurance in Washington? The following rates show the top 20 cities in Washington based by population. You will notice that some ZIP codes pay more, while others see lower rates compared to the state average.

City Average annual premium for full coverage % difference from state average annual premium
Seattle $1,397 19%
Spokane $1,149 -2%
Tacoma $1,428 21%
Vancouver $1,211 3%
Olympia $1,137 -3%
Everett $1,269 8%
Bellevue $1,251 6%
Yakima $1,071 -9%
Bellingham $1,023 -13%
Renton $1,358 15%
Kent $1,380 17%
Federal Way $1,422 21%
Spokane Valley $1,117 -5%
Kennewick $1,033 -12%
Marysville $1,247 6%
Auburn $1,410 20%
Bremerton $1,078 -8%
Pasco $1,041 -12%
Lakewood $1,388 18%
Redmond $1,244 6%

Washington car insurance rates by age

Washington car insurance rates are most heavily influenced by age. Drivers will typically see the highest rates at age 18 (when on their own policy), and then a consistent decline till rates flatten a bit at around age 25. 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.

Age Average annual premium in Washington
Age 16* $1,935
Age 18 $4,321
Age 20 $3,029
Age 25 $1,544
Age 30 $1,301
Age 40 $1,248
Age 50 $1,133
Age 60 $1,095
Age 70 $1,256

*16 year old calculated on parent’s policy disclosure

Washington car insurance rates by driving record

As with any other state, Washington auto insurance rates are 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 going to pay higher car insurance premiums. The rates below show the average increase most drivers will 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 in Washington % increase of average annual premium
Speeding ticket $1,377 17%
Accident $1,784 56%
DUI $2,233 90%

How to save on car insurance in Washington

Car insurance rates in Washington are affected positively in a few ways. It is possible in most cases to lower your premium by implementing changes or practices such as these.

  1. Shop around: Car insurance companies are not all the same in how rates are determined; some may offer cheaper rates than others. Comparing provider quotes is the most effective way to find the cheapest rates for your situation.
  2. Compare discounts: While you are rate shopping, look at discounts offered by each company and determine which you may qualify for. The tricky part is figuring out just how much you will save with each. To determine this, you may need to speak with an agent.
  3. Increase deductible: You can save money by increasing your deductible, although the savings will vary based on what type of coverage the deductible applies to. The drawback is that if you are in an accident, you will receive less of a payout, which means it is best to be financially prepared in the event of a claim.
  4. Increase credit score: Insurance companies in some states (including Washington) may charge drivers with low credit scores more for a policy due to associated risk. Increasing your credit score could save on your premium the next time your policy is renewed.
  5. Drive an older car: A new car costs more to repair and replace, which means you may save on your insurance bill by driving an older car.

Frequently asked questions

How much is car insurance in Washington per month?

Your premium is likely different from the state average. However, 2021 quoted premiums indicate Washington drivers pay around:

  • $38.58 a month for minimum coverage (based on an annual premium of $463)
  • $98 a month for full coverage (based on an annual premium of $1,176)

Is it easy to switch carriers in Washington?

Switching providers may have benefits worth the effort of switching, which is usually not too difficult. Contacting agents and scheduling your policy dates to avoid a lapse in coverage is the most important aspect to account for.

How do I determine the best insurance company?

Determining the best insurance provider is going to depend on what you need for your specific situation. Are you looking for the cheapest provider, the best customer service or the most coverage options? J.D. Power and AM Best ratings can help provide insight into which providers may be best for you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

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