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Average cost of car insurance in Washington for 2024
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.
How much is car insurance in Washington?
The national average annual cost of full coverage car insurance is $2,388, while minimum coverage costs an average of $664. Washington drivers pay lower average rates at $1,713 per year for full coverage and $510 per year for minimum coverage. While minimum coverage is all that's legally required by the state, most insurance experts recommend full coverage for additional financial protection. If you have a loan or lease on your vehicle, your lender will likely require you to purchase full coverage car insurance.
Key takeaways
- Teen drivers see some of the highest average rates in Washington. Parents with a 16-year-old driver on their policy pay an average full coverage premium of $3,934 per year.
- Although Washington allows insurers to consider credit history in auto insurance rating, rate differences between drivers with good credit and drivers with poor credit are not as drastic as in many other states.
- Your vehicle type impacts your Washington car insurance rates. BMW 330i drivers pay 42 percent more for full coverage than Honda Odyssey drivers.
What would you like to do today?
Washington car insurance rates by city
If you’re curious how much car insurance is in Washington, you can get an idea by browsing the table below, which shows average city rates in the state’s most-populated metros. You will notice that some ZIP codes pay more, while others see rates below the state average. A higher rate generally indicates that there are more claims filed in that region, perhaps due to higher accident rates or a larger number of car thefts.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|---|
Suquamish | $124 | $1,491 | -14% |
Tacoma | $166 | $1,993 | +15% |
Vaughn | $144 | $1,732 | +1% |
Longmire | $149 | $1,792 | +5% |
Lakewood | $160 | $1,921 | +11% |
Lacey | $135 | $1,614 | -6% |
Olympia | $134 | $1,604 | -7% |
Belfair | $135 | $1,622 | -5% |
Copalis Crossing | $131 | $1,568 | -9% |
Seattle | $161 | $1,936 | +12% |
Everett | $146 | $1,750 | +2% |
Acme | $128 | $1,539 | -11% |
Bellingham | $120 | $1,443 | -17% |
Clearlake | $126 | $1,507 | -13% |
Deer Harbor | $124 | $1,491 | -14% |
Hamilton | $128 | $1,538 | -11% |
Curtis | $138 | $1,655 | -3% |
Grayland | $132 | $1,582 | -8% |
Onalaska | $136 | $1,626 | -5% |
Grays River | $136 | $1,628 | -5% |
Kelso | $130 | $1,561 | -9% |
White Salmon | $128 | $1,535 | -11% |
Lynden | $125 | $1,500 | -13% |
Oak Harbor | $122 | $1,465 | -16% |
Rockport | $130 | $1,566 | -9% |
Snohomish | $141 | $1,697 | -1% |
La Push | $123 | $1,471 | -15% |
Olalla | $130 | $1,555 | -10% |
Port Orchard | $128 | $1,535 | -11% |
Puyallup | $156 | $1,868 | +9% |
Adna | $137 | $1,638 | -4% |
Amanda Park | $133 | $1,590 | -7% |
Buckley | $146 | $1,757 | +3% |
Fox Island | $146 | $1,755 | +2% |
Bremerton | $126 | $1,516 | -12% |
Graham | $154 | $1,847 | +8% |
Port Townsend | $117 | $1,404 | -20% |
Retsil | $133 | $1,597 | -7% |
Neah Bay | $121 | $1,458 | -16% |
Port Ludlow | $120 | $1,437 | -18% |
Seabeck | $128 | $1,538 | -11% |
South Colby | $128 | $1,533 | -11% |
Rollingbay | $128 | $1,532 | -11% |
Vashon | $144 | $1,725 | +1% |
Chehalis | $128 | $1,540 | -11% |
Hoquiam | $127 | $1,520 | -12% |
Montesano | $129 | $1,548 | -10% |
Toledo | $135 | $1,617 | -6% |
Appleton | $129 | $1,549 | -10% |
Chinook | $136 | $1,629 | -5% |
Long Beach | $135 | $1,618 | -6% |
Ocean Park | $133 | $1,594 | -7% |
Vancouver | $140 | $1,680 | -2% |
Yacolt | $140 | $1,683 | -2% |
Wilkeson | $146 | $1,752 | +2% |
Paradise Inn | $150 | $1,803 | +5% |
Bucoda | $138 | $1,659 | -3% |
Galvin | $138 | $1,650 | -4% |
Hoodsport | $135 | $1,615 | -6% |
Lake Stevens | $141 | $1,694 | -1% |
Bridgeport | $130 | $1,564 | -9% |
Orondo | $132 | $1,578 | -8% |
Mabton | $130 | $1,560 | -9% |
Matlock | $134 | $1,605 | -7% |
Camas | $138 | $1,651 | -4% |
Underwood | $135 | $1,624 | -5% |
Silver Creek | $134 | $1,606 | -6% |
Tahuya | $136 | $1,628 | -5% |
Goldendale | $127 | $1,529 | -11% |
Ilwaco | $134 | $1,610 | -6% |
Naselle | $135 | $1,625 | -5% |
North Bonneville | $136 | $1,630 | -5% |
Ridgefield | $137 | $1,649 | -4% |
Seaview | $135 | $1,618 | -6% |
Skamokawa | $138 | $1,659 | -3% |
Trout Lake | $130 | $1,560 | -9% |
Wishram | $128 | $1,532 | -11% |
Woodland | $133 | $1,599 | -7% |
Wenatchee | $124 | $1,482 | -14% |
Moses Lake | $124 | $1,493 | -14% |
Stehekin | $137 | $1,640 | -4% |
Yakima | $127 | $1,520 | -12% |
Roslyn | $129 | $1,551 | -10% |
Sunnyside | $129 | $1,544 | -10% |
Fairfield | $132 | $1,588 | -8% |
Quinault | $131 | $1,575 | -8% |
Satsop | $131 | $1,574 | -8% |
Carson | $135 | $1,624 | -5% |
Cathlamet | $138 | $1,655 | -3% |
Centerville | $128 | $1,537 | -11% |
Malone | $130 | $1,556 | -10% |
Pacific Beach | $131 | $1,569 | -9% |
Pe Ell | $137 | $1,646 | -4% |
Rochester | $135 | $1,625 | -5% |
Shelton | $133 | $1,598 | -7% |
South Bend | $136 | $1,630 | -5% |
Brush Prairie | $141 | $1,687 | -2% |
Stevenson | $136 | $1,629 | -5% |
Marblemount | $130 | $1,563 | -9% |
Ashford | $148 | $1,772 | +3% |
Gig Harbor | $144 | $1,729 | +1% |
Spokane | $136 | $1,636 | -5% |
Mattawa | $128 | $1,541 | -11% |
Touchet | $124 | $1,491 | -14% |
Everson | $127 | $1,522 | -12% |
Granite Falls | $142 | $1,700 | -1% |
Mazama | $141 | $1,694 | -1% |
Riverside | $138 | $1,651 | -4% |
Cowiche | $128 | $1,530 | -11% |
Harrah | $132 | $1,580 | -8% |
Naches | $129 | $1,549 | -10% |
Toppenish | $130 | $1,565 | -9% |
Edwall | $128 | $1,541 | -11% |
Arlington | $138 | $1,652 | -4% |
Clinton | $127 | $1,527 | -12% |
Coupeville | $123 | $1,477 | -15% |
Darrington | $137 | $1,645 | -4% |
Ferndale | $124 | $1,489 | -14% |
Greenbank | $124 | $1,491 | -14% |
Lopez Island | $123 | $1,473 | -15% |
Pasco | $122 | $1,468 | -15% |
Eltopia | $126 | $1,517 | -12% |
Paterson | $123 | $1,479 | -15% |
Mansfield | $130 | $1,566 | -9% |
Littlerock | $135 | $1,617 | -6% |
Salkum | $136 | $1,637 | -5% |
Taholah | $132 | $1,584 | -8% |
Vader | $136 | $1,634 | -5% |
Klickitat | $128 | $1,536 | -11% |
La Center | $139 | $1,670 | -3% |
Longview | $130 | $1,563 | -9% |
Mckenna | $151 | $1,809 | +5% |
Union | $137 | $1,640 | -4% |
Cougar | $136 | $1,634 | -5% |
Heisson | $141 | $1,689 | -1% |
Nahcotta | $135 | $1,619 | -6% |
Oysterville | $133 | $1,594 | -7% |
Sumas | $128 | $1,537 | -11% |
Elbe | $146 | $1,751 | +2% |
Forks | $122 | $1,462 | -16% |
Mccleary | $129 | $1,551 | -10% |
Mossyrock | $134 | $1,609 | -6% |
Raymond | $136 | $1,626 | -5% |
Bingen | $129 | $1,554 | -10% |
Dallesport | $128 | $1,536 | -11% |
Glenwood | $128 | $1,536 | -11% |
Lyle | $128 | $1,534 | -11% |
Silverlake | $135 | $1,617 | -6% |
Maple Falls | $129 | $1,547 | -10% |
Marysville | $143 | $1,715 | +0% |
Sultan | $143 | $1,717 | +0% |
Anderson Island | $148 | $1,781 | +4% |
Glenoma | $136 | $1,636 | -5% |
Randle | $137 | $1,642 | -4% |
Moclips | $132 | $1,586 | -8% |
Ocean Shores | $129 | $1,549 | -10% |
Roy | $150 | $1,802 | +5% |
Winlock | $136 | $1,634 | -5% |
Yelm | $143 | $1,714 | +0% |
Carrolls | $134 | $1,611 | -6% |
Rosburg | $135 | $1,621 | -6% |
Toutle | $134 | $1,605 | -6% |
Washougal | $139 | $1,668 | -3% |
East Wenatchee | $123 | $1,471 | -15% |
Carlton | $136 | $1,629 | -5% |
Cashmere | $131 | $1,567 | -9% |
Chelan Falls | $132 | $1,581 | -8% |
Malaga | $129 | $1,550 | -10% |
Monitor | $130 | $1,557 | -10% |
Peshastin | $130 | $1,562 | -9% |
Wauconda | $140 | $1,678 | -2% |
Brownstown | $132 | $1,583 | -8% |
Outlook | $130 | $1,564 | -9% |
Selah | $126 | $1,508 | -13% |
Wapato | $131 | $1,566 | -9% |
Lamont | $124 | $1,489 | -14% |
Menlo | $137 | $1,646 | -4% |
Oakville | $130 | $1,562 | -9% |
Ryderwood | $136 | $1,637 | -5% |
Tenino | $138 | $1,658 | -3% |
Westport | $130 | $1,562 | -9% |
Battle Ground | $140 | $1,679 | -2% |
Husum | $130 | $1,560 | -9% |
Kalama | $132 | $1,588 | -8% |
Burlington | $125 | $1,499 | -13% |
Freeland | $124 | $1,490 | -14% |
Maple Valley | $152 | $1,825 | +6% |
Snoqualmie Pass | $139 | $1,665 | -3% |
Auburn | $161 | $1,938 | +12% |
Federal Way | $163 | $1,961 | +14% |
Methow | $135 | $1,624 | -5% |
Easton | $131 | $1,567 | -9% |
South Cle Elum | $129 | $1,543 | -10% |
Medical Lake | $131 | $1,577 | -8% |
Elk | $138 | $1,656 | -3% |
Fairchild Air Force Base | $130 | $1,558 | -9% |
Marshall | $132 | $1,580 | -8% |
Beverly | $127 | $1,524 | -12% |
Burbank | $123 | $1,470 | -15% |
Asotin | $125 | $1,502 | -13% |
Mount Vernon | $125 | $1,504 | -13% |
Olga | $123 | $1,473 | -15% |
Silvana | $136 | $1,626 | -5% |
Chimacum | $119 | $1,430 | -18% |
Indianola | $126 | $1,507 | -13% |
Lakebay | $146 | $1,750 | +2% |
Orting | $150 | $1,797 | +5% |
Port Angeles | $119 | $1,427 | -18% |
Connell | $124 | $1,488 | -14% |
Royal City | $128 | $1,537 | -11% |
Blaine | $125 | $1,505 | -13% |
Custer | $125 | $1,494 | -14% |
Deming | $129 | $1,547 | -10% |
Friday Harbor | $122 | $1,466 | -16% |
Gold Bar | $143 | $1,720 | +0% |
La Conner | $124 | $1,490 | -14% |
Bellevue | $145 | $1,744 | +2% |
Bothell | $146 | $1,752 | +2% |
Issaquah | $146 | $1,754 | +2% |
Lynnwood | $150 | $1,796 | +5% |
North Bend | $146 | $1,748 | +2% |
Preston | $150 | $1,804 | +5% |
Bainbridge Island | $124 | $1,486 | -14% |
Omak | $136 | $1,637 | -5% |
Quincy | $126 | $1,509 | -13% |
Cle Elum | $131 | $1,573 | -9% |
Airway Heights | $134 | $1,608 | -6% |
Ford | $148 | $1,779 | +4% |
Benton City | $121 | $1,448 | -17% |
Mesa | $125 | $1,501 | -13% |
Pomeroy | $125 | $1,500 | -13% |
Sprague | $130 | $1,563 | -9% |
Benge | $126 | $1,513 | -12% |
Cusick | $151 | $1,812 | +6% |
Electric City | $130 | $1,555 | -10% |
Grand Coulee | $131 | $1,577 | -8% |
Ione | $150 | $1,795 | +5% |
Malden | $129 | $1,543 | -10% |
Odessa | $128 | $1,539 | -11% |
Orient | $150 | $1,800 | +5% |
Palouse | $123 | $1,471 | -15% |
Springdale | $150 | $1,803 | +5% |
Seahurst | $156 | $1,874 | +9% |
Redmond | $146 | $1,757 | +3% |
Kenmore | $149 | $1,793 | +5% |
Kent | $159 | $1,907 | +11% |
Mountlake Terrace | $149 | $1,785 | +4% |
Carnation | $150 | $1,797 | +5% |
Mercer Island | $148 | $1,771 | +3% |
Sammamish | $148 | $1,774 | +3% |
Dixie | $125 | $1,497 | -13% |
Hooper | $125 | $1,496 | -14% |
Richland | $120 | $1,438 | -17% |
Walla Walla | $123 | $1,472 | -15% |
Spanaway | $165 | $1,981 | +14% |
Doty | $135 | $1,622 | -5% |
Ethel | $137 | $1,648 | -4% |
University Place | $161 | $1,933 | +12% |
Aberdeen | $126 | $1,514 | -12% |
Lyman | $129 | $1,547 | -10% |
Camano Island | $129 | $1,553 | -10% |
Brinnon | $123 | $1,478 | -15% |
Clallam Bay | $123 | $1,471 | -15% |
Eatonville | $147 | $1,769 | +3% |
La Grande | $147 | $1,768 | +3% |
Mineral | $140 | $1,682 | -2% |
Nordland | $120 | $1,435 | -18% |
Silverdale | $123 | $1,475 | -15% |
Kennewick | $121 | $1,453 | -16% |
Othello | $126 | $1,507 | -13% |
Anatone | $125 | $1,495 | -14% |
Bickleton | $127 | $1,530 | -11% |
College Place | $122 | $1,469 | -15% |
Kahlotus | $124 | $1,483 | -14% |
Prosser | $124 | $1,490 | -14% |
Wallula | $124 | $1,492 | -14% |
Sumner | $151 | $1,810 | +5% |
Valleyford | $132 | $1,585 | -8% |
Waverly | $132 | $1,579 | -8% |
Belmont | $125 | $1,499 | -13% |
Gifford | $149 | $1,793 | +5% |
Kettle Falls | $149 | $1,786 | +4% |
Metaline Falls | $151 | $1,806 | +5% |
Thornton | $123 | $1,477 | -15% |
Farmington | $124 | $1,491 | -14% |
Harrington | $130 | $1,556 | -10% |
Mohler | $128 | $1,540 | -11% |
Oakesdale | $123 | $1,482 | -14% |
Ritzville | $126 | $1,509 | -13% |
Anacortes | $120 | $1,445 | -17% |
Bow | $126 | $1,508 | -13% |
Lummi Island | $120 | $1,435 | -18% |
Sedro Woolley | $127 | $1,519 | -12% |
East Olympia | $137 | $1,641 | -4% |
Lebam | $137 | $1,646 | -4% |
Conconully | $136 | $1,636 | -5% |
Marlin | $129 | $1,547 | -10% |
Okanogan | $137 | $1,644 | -4% |
Palisades | $128 | $1,539 | -11% |
Twisp | $139 | $1,666 | -3% |
Grandview | $129 | $1,553 | -10% |
Moxee | $126 | $1,507 | -13% |
White Swan | $131 | $1,572 | -9% |
Latah | $133 | $1,600 | -7% |
Almira | $127 | $1,529 | -11% |
Coulee City | $132 | $1,580 | -8% |
Garfield | $124 | $1,482 | -14% |
Hartline | $130 | $1,560 | -9% |
Lacrosse | $123 | $1,481 | -15% |
Point Roberts | $128 | $1,534 | -11% |
Skykomish | $145 | $1,746 | +2% |
Beaver | $120 | $1,445 | -17% |
Dayton | $126 | $1,509 | -13% |
Plymouth | $123 | $1,481 | -15% |
West Richland | $119 | $1,427 | -18% |
Roosevelt | $128 | $1,535 | -11% |
Clarkston | $123 | $1,472 | -15% |
Monroe | $142 | $1,702 | -1% |
Mukilteo | $145 | $1,739 | +2% |
Nooksack | $127 | $1,523 | -12% |
Carbonado | $148 | $1,772 | +3% |
Port Hadlock | $119 | $1,426 | -18% |
Joyce | $123 | $1,473 | -15% |
Thorp | $130 | $1,565 | -9% |
Newman Lake | $131 | $1,573 | -9% |
Wellpinit | $150 | $1,799 | +5% |
Addy | $150 | $1,796 | +5% |
Albion | $124 | $1,484 | -14% |
Clayton | $148 | $1,776 | +4% |
Coulee Dam | $135 | $1,617 | -6% |
Laurier | $148 | $1,780 | +4% |
Nespelem | $136 | $1,638 | -4% |
Northport | $150 | $1,794 | +5% |
Steilacoom | $158 | $1,896 | +10% |
Bonney Lake | $147 | $1,769 | +3% |
Bay Center | $133 | $1,599 | -7% |
Centralia | $128 | $1,533 | -11% |
Elma | $130 | $1,555 | -10% |
Lilliwaup | $135 | $1,618 | -6% |
Pateros | $136 | $1,630 | -5% |
Winthrop | $140 | $1,683 | -2% |
Parker | $131 | $1,566 | -9% |
Ronald | $129 | $1,553 | -10% |
Dupont | $151 | $1,809 | +5% |
Keyport | $124 | $1,491 | -14% |
Milton | $157 | $1,885 | +10% |
Port Gamble | $129 | $1,550 | -10% |
Sequim | $117 | $1,408 | -20% |
Shaw Island | $125 | $1,499 | -13% |
Hansville | $125 | $1,503 | -13% |
Quilcene | $120 | $1,439 | -17% |
South Prairie | $147 | $1,767 | +3% |
Mica | $130 | $1,558 | -10% |
Endicott | $123 | $1,479 | -15% |
Fruitland | $147 | $1,761 | +3% |
Hunters | $148 | $1,776 | +4% |
Keller | $146 | $1,749 | +2% |
Malo | $151 | $1,816 | +6% |
Pullman | $123 | $1,477 | -15% |
Rosalia | $126 | $1,514 | -12% |
Saint John | $124 | $1,487 | -14% |
Usk | $149 | $1,793 | +5% |
Blakely Island | $123 | $1,472 | -15% |
Concrete | $129 | $1,543 | -10% |
North Lakewood | $142 | $1,707 | -0% |
Davenport | $128 | $1,539 | -11% |
Elmer City | $136 | $1,628 | -5% |
Inchelium | $152 | $1,820 | +6% |
Lincoln | $129 | $1,552 | -10% |
Loon Lake | $150 | $1,804 | +5% |
Uniontown | $122 | $1,465 | -16% |
Grapeview | $136 | $1,636 | -5% |
Humptulips | $131 | $1,570 | -9% |
Stratford | $128 | $1,540 | -11% |
Tonasket | $139 | $1,674 | -2% |
Ellensburg | $123 | $1,471 | -15% |
Chattaroy | $136 | $1,632 | -5% |
Colbert | $137 | $1,648 | -4% |
Liberty Lake | $129 | $1,549 | -10% |
Allyn | $136 | $1,633 | -5% |
Kapowsin | $154 | $1,845 | +7% |
Packwood | $138 | $1,662 | -3% |
Sekiu | $122 | $1,459 | -16% |
Tekoa | $125 | $1,502 | -13% |
Veradale | $131 | $1,578 | -8% |
Boyds | $150 | $1,795 | +5% |
Colville | $149 | $1,786 | +4% |
Creston | $129 | $1,544 | -10% |
Hay | $122 | $1,469 | -15% |
Lamona | $128 | $1,533 | -11% |
Republic | $151 | $1,813 | +6% |
Rice | $149 | $1,784 | +4% |
Valley | $151 | $1,812 | +6% |
Baring | $145 | $1,742 | +2% |
Index | $142 | $1,709 | -0% |
Ardenvoir | $134 | $1,612 | -6% |
Chelan | $131 | $1,570 | -9% |
Rock Island | $129 | $1,551 | -10% |
Soap Lake | $127 | $1,526 | -12% |
Waterville | $128 | $1,541 | -11% |
Tieton | $128 | $1,533 | -11% |
Cheney | $130 | $1,564 | -9% |
Deer Park | $136 | $1,629 | -5% |
Stanwood | $132 | $1,590 | -7% |
Longbranch | $146 | $1,748 | +2% |
Morton | $136 | $1,628 | -5% |
Edmonds | $149 | $1,790 | +4% |
Fall City | $151 | $1,806 | +5% |
Renton | $156 | $1,878 | +9% |
Cinebar | $137 | $1,642 | -4% |
Copalis Beach | $130 | $1,563 | -9% |
Cosmopolis | $128 | $1,533 | -11% |
Nine Mile Falls | $135 | $1,624 | -5% |
Spangle | $132 | $1,578 | -8% |
Tumtum | $148 | $1,780 | +4% |
Evans | $150 | $1,800 | +5% |
Marcus | $149 | $1,790 | +4% |
Wilbur | $129 | $1,544 | -10% |
Leavenworth | $132 | $1,579 | -8% |
Loomis | $140 | $1,675 | -2% |
Washtucna | $125 | $1,501 | -13% |
Duvall | $148 | $1,778 | +4% |
Enumclaw | $148 | $1,780 | +4% |
Kirkland | $145 | $1,739 | +2% |
Pacific | $160 | $1,923 | +12% |
Medina | $144 | $1,723 | +1% |
Ravensdale | $150 | $1,800 | +5% |
Snoqualmie | $145 | $1,745 | +2% |
Woodinville | $146 | $1,753 | +2% |
Eastsound | $123 | $1,473 | -15% |
Otis Orchards | $130 | $1,557 | -10% |
Reardan | $132 | $1,583 | -8% |
Chewelah | $148 | $1,770 | +3% |
Newport | $150 | $1,798 | +5% |
Rainier | $140 | $1,685 | -2% |
Tokeland | $137 | $1,641 | -4% |
Amboy | $140 | $1,676 | -2% |
Ariel | $137 | $1,646 | -4% |
Castle Rock | $134 | $1,614 | -6% |
Wahkiacus | $129 | $1,542 | -10% |
Rockford | $131 | $1,575 | -8% |
Curlew | $151 | $1,812 | +6% |
Danville | $150 | $1,806 | +5% |
Metaline | $149 | $1,787 | +4% |
Steptoe | $132 | $1,588 | -8% |
Waitsburg | $125 | $1,497 | -13% |
Brewster | $135 | $1,617 | -6% |
Dryden | $131 | $1,570 | -9% |
Entiat | $132 | $1,590 | -7% |
Ephrata | $126 | $1,512 | -12% |
Manson | $131 | $1,572 | -9% |
Oroville | $139 | $1,669 | -3% |
Warden | $127 | $1,521 | -12% |
Granger | $129 | $1,551 | -10% |
Vantage | $127 | $1,529 | -11% |
Zillah | $130 | $1,560 | -9% |
Greenacres | $130 | $1,557 | -10% |
Mead | $136 | $1,632 | -5% |
Langley | $127 | $1,521 | -12% |
Black Diamond | $150 | $1,799 | +5% |
Burton | $146 | $1,752 | +2% |
Lind | $126 | $1,509 | -13% |
Prescott | $124 | $1,494 | -14% |
Waldron | $125 | $1,503 | -13% |
Kingston | $125 | $1,505 | -13% |
Poulsbo | $124 | $1,484 | -14% |
Colfax | $122 | $1,461 | -16% |
Colton | $122 | $1,467 | -15% |
Average car insurance costs by age and gender in Washington
Similar to most states, Washington's car insurance rates are heavily influenced by age and gender. Drivers will typically see the highest costs at 18 (when on their own policy) and a consistent decline thereafter until rates flatten at around age 40.
Men typically pay slightly more for car insurance than women, since they are statistically more likely to be involved in accidents. In the chart below, 16-year-old rates assume they are insured on their parents' policy since drivers are unable to be the primary policyholder if under the age of 18.
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in Washington
$346
|
Avg. annual full coverage premium in Washington
$4,154
|
Age 18
|
Avg. monthly full coverage premium in Washington
$507
|
Avg. annual full coverage premium in Washington
$6,080
|
Age 20
|
Avg. monthly full coverage premium in Washington
$385
|
Avg. annual full coverage premium in Washington
$4,617
|
Age 25
|
Avg. monthly full coverage premium in Washington
$195
|
Avg. annual full coverage premium in Washington
$2,345
|
Age 30
|
Avg. monthly full coverage premium in Washington
$152
|
Avg. annual full coverage premium in Washington
$1,820
|
Age 40
|
Avg. monthly full coverage premium in Washington
$144
|
Avg. annual full coverage premium in Washington
$1,733
|
Age 50
|
Avg. monthly full coverage premium in Washington
$131
|
Avg. annual full coverage premium in Washington
$1,576
|
Age 60
|
Avg. monthly full coverage premium in Washington
$126
|
Avg. annual full coverage premium in Washington
$1,515
|
Age 70
|
Avg. monthly full coverage premium in Washington
$142
|
Avg. annual full coverage premium in Washington
$1,708
|
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in Washington
$310
|
Avg. annual full coverage premium in Washington
$3,715
|
Age 18
|
Avg. monthly full coverage premium in Washington
$459
|
Avg. annual full coverage premium in Washington
$5,512
|
Age 20
|
Avg. monthly full coverage premium in Washington
$328
|
Avg. annual full coverage premium in Washington
$3,937
|
Age 25
|
Avg. monthly full coverage premium in Washington
$176
|
Avg. annual full coverage premium in Washington
$2,111
|
Age 30
|
Avg. monthly full coverage premium in Washington
$146
|
Avg. annual full coverage premium in Washington
$1,758
|
Age 40
|
Avg. monthly full coverage premium in Washington
$141
|
Avg. annual full coverage premium in Washington
$1,693
|
Age 50
|
Avg. monthly full coverage premium in Washington
$123
|
Avg. annual full coverage premium in Washington
$1,481
|
Age 60
|
Avg. monthly full coverage premium in Washington
$124
|
Avg. annual full coverage premium in Washington
$1,490
|
Age 70
|
Avg. monthly full coverage premium in Washington
$142
|
Avg. annual full coverage premium in Washington
$1,703
|
Bankrate’s take: Young male drivers see some of the highest average car insurance rates because they are more likely to engage in risky driving behavior, including speeding, distracted driving and not wearing a seatbelt. Fortunately, most drivers see their rates come down over time as they age and demonstrate safe driving habits. Young drivers may be able to save by enrolling in a telematics program that rewards safe driving with a premium discount.
Cost considerations for young drivers in Washington
|
|
---|---|
Age 16*
|
Avg. annual premium for drivers in Washington
$3,934
|
Age 17
|
Avg. annual premium for drivers in Washington
$3,718
|
Age 18
|
Avg. annual premium for drivers in Washington
$3,399
|
Age 19
|
Avg. annual premium for drivers in Washington
$2,825
|
Age 20
|
Avg. annual premium for drivers in Washington
$2,668
|
|
|
---|---|
Age 18
|
Avg. annual premium for drivers in Washington
$5,796
|
Age 19
|
Avg. annual premium for drivers in Washington
$4,676
|
Age 20
|
Avg. annual premium for drivers in Washington
$4,277
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 71 percent more |
Age 19 | 66 percent more |
Age 20 | 60 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Washington?
As with any other state, Washington car 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 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. Note that not all carriers will extend coverage to drivers with a DUI conviction or other high-risk offense.
|
|
|
---|---|---|
Clean driving record
|
Avg. annual premium* in Washington
$1,713
|
Percentage increase from Washington avg. annual premium*
0%
|
Avg. annual premium* in Washington
$2,049
|
Percentage increase from Washington avg. annual premium*
20%
|
|
Avg. annual premium* in Washington
$2,490
|
Percentage increase from Washington avg. annual premium*
45%
|
|
Avg. annual premium* in Washington
$3,215
|
Percentage increase from Washington avg. annual premium*
88%
|
Car insurance rates in Washington by credit score
Your credit history will influence your Washington car insurance rates. Drivers with poor credit histories tend to file more claims than drivers with strong credit histories, so carriers generally charge higher rates if you have poor credit. Although Washington passed a law to ban credit history from auto insurance rating in 2022, it was later overturned and is no longer in effect.
|
|
|
---|---|---|
Avg. annual premium* in Washington
$2,372
|
Percentage difference from Washington avg. annual premium*
38%
|
|
Average
|
Avg. annual premium* in Washington
$1,809
|
Percentage difference from Washington avg. annual premium*
6%
|
Avg. annual premium* in Washington
$1,713
|
Percentage difference from Washington avg. annual premium*
0%
|
|
Excellent
|
Avg. annual premium* in Washington
$1,520
|
Percentage difference from Washington avg. annual premium*
-11%
|
Washington car insurance rates by vehicle type
Insurers will take your car's make and model into account, as well as the car's age, when pricing policies. Vehicles that are lower in cost and able to be repaired using domestic rather than imported parts may earn a lower rate than high-priced sports or luxury cars. Cars with low theft rates and extra safety features also typically see lower premiums.
|
|
---|---|
Avg. annual premium* in Washington
$1,713
|
|
Avg. annual premium* in Washington
$1,620
|
|
Avg. annual premium* in Washington
$1,502
|
|
BMW 330i
|
Avg. annual premium* in Washington
$2,126
|
Toyota Prius
|
Avg. annual premium* in Washington
$1,786
|
Estimate your car insurance cost in Washington
Average rates can give you a general idea of what you might pay for car insurance in Washington state, but your personal rating factors are unique to you. By inputting a few details into the tool below, we can provide you with a more personalized estimate.
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How to save on car insurance in Washington
If the average car insurance rates in Washington seem expensive to you, keep in mind that you may be able to find a lower quote using a few strategies:
- Gather multiple quotes: Since every insurer determines rates using their own proprietary algorithms, each insurer you ask is likely to give you a different quote. By comparing multiple quotes for the same levels of coverage, you can determine which company is able to offer you the lowest rate for your insurance.
- Use all possible discounts: Most insurance companies offer at least a small handful of discounts, and some are easy to qualify for. Most insurers, for example, will reduce your rate if you bundle your auto insurance with a homeowners or renters policy. This is one reason it may be good to work with a live agent — they can make sure you are receiving all the possible discounts you have earned.
- Raise your deductible: If you can afford to increase your deductible, which is the amount you pay before your insurance kicks for some types of coverage, you are likely to save on your premium rate. Raising it from $500 to $1,000, for example, will probably net you a lower premium. Just be careful you don't raise it higher than you could afford to pay in the event of a claim.
- Avoid certain types of car: Your premium cost will vary depending on the type of car you drive. A high-end imported luxury or sports car is likely to cost you more to insure than a more-reasonably priced domestic model. If you're in the market for a new car and have narrowed down your choices to a few vehicles, consider getting quotes for insurance for all of them to see which one is cheapest.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 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 for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.