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Cheapest car insurance in Washington for 2024

PEMCO, USAA and Geico offer some of the cheapest car insurance in Washington state according to Bankrate's analysis.

Updated May 01, 2024
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The cheapest car insurance companies in Washington

Washington drivers are required by law to carry at least a minimum amount of auto insurance for their vehicles, but many drivers will opt for higher limits or more coverage types when purchasing a policy to be more fully financially protected. In the state, the drivers pay an average of $1,576 for full coverage and $492 for minimum coverage, both less than the national averages of $2,299 and $637, respectively.

When looking for cheap car insurance in Washington, it may benefit you to ask for quotes from a range of car insurance companies to see which can offer you the best rates for your unique driving profile.

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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.

Cheapest car insurance in Washington for minimum coverage

If you have a low income, car insurance in Washington can be cheaper if you buy liability-only insurance. Washington drivers pay an average of $492 for minimum coverage, less than the national average of $622. Insurance professionals advise purchasing higher coverage limits for more financial protection, but if minimum coverage is as much as you can afford, PEMCO and USAA are the cheapest insurers in Washington on average.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for min coverage
PEMCO
$25
$306
- $186
$26
$311
- $181
$29
$352
- $140
$31
$369
- $123
Mutual of Enumclaw
$37
$440
- $52

Minimum coverage requirements for Washington drivers

The state of Washington requires drivers to carry at least minimum limits of liability coverage to drive legally. In Washington, you must have at least the following minimum coverage limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

Washington also requires the following coverage to be offered, but policyholders can reject them in writing if they wish:

  • $25,000/$50,000 underinsured motorist bodily injury
  • $10,000 underinsured motorist property damage
  • $10,000 personal injury protection (PIP)

Drivers who opt for minimum coverage car insurance typically pay some of the lowest costs on average. However, most insurance professionals will recommend that you purchase more than the minimum amount of coverage required by law if you are able to do so in order to be better protected financially. If you cause an accident and the damages exceed your policy’s coverage limits, you are responsible for paying the difference out of pocket.

If you have a loan or lease on your vehicle, or want a car insurance policy that will cover damage to your vehicle, full coverage car insurance is typically the answer. In fact, nearly all lenders and financial institutions will require you to have full coverage car insurance if you have a loan or lease on your car.

Cheapest car insurance in Washington for full coverage

Full coverage auto insurance offers financial protection for your personal vehicle, as well as liability, making it more expensive on average than minimum coverage. However, it covers several types of damage, such as hitting an animal, theft and weather damage.

Statewide, the average cost of full coverage car insurance is $1,576 per year. This is 31 percent less than the nationwide average of $2,299. USAA typically offers cheaper-than-average full coverage in Washington.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for full coverage
$84
$1,004
- $572
$98
$1,181
- $395
$107
$1,284
- $292
$109
$1,302
- $274
$120
$1,444
- $132

Cheapest car insurance in Washington for drivers with prior incidents

Your driving record plays a big role in how much you pay for insurance coverage, so finding a cheap policy after an incident is usually more challenging. Depending on the type of incident on your record, the cheapest carrier will vary.

Cheapest insurance companies for drivers in Washington with a speeding ticket: Geico

Cheap auto insurance in Washington may be harder to find if you have a speeding ticket conviction on your driving record. The increase to the cost of your car insurance after a speeding ticket conviction varies from one car insurance company to the next, which is why comparing the options may help you find the most affordable policy.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$550
$1,685
PEMCO
$561
$2,487
$672
$2,167
$711
$2,251
$735
$3,246

Cheapest car insurance for drivers in Washington with an at-fault accident: USAA

If you are found to be at fault in a car accident, chances are good that your car insurance costs will increase at renewal, as you’ll be considered a higher risk to insure. According to Bankrate’s analysis, drivers in Washington pay an average of 45 percent more for full coverage car insurance following an accident. However, every car insurance company calculates rates differently, so it may be helpful to shop around if you have an at-fault car accident on your driving record.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$450
$1,432
$460
$2,103
$460
$1,464
PEMCO
$481
$2,190
$534
$1,978

Cheapest rates in Washington for high-risk drivers: Progressive

Few factors will typically impact your car insurance rates in Washington as much as being considered a high-risk driver who has been convicted of a DUI. Driving under the influence can have a wide range of penalties, including a significant uptick in the price you pay for car insurance. Additionally, not all car insurance companies will insure drivers with a DUI on their record, and while there are average rates for high-risk insurance listed below, they are not a guarantee that these companies will insure you with a DUI conviction on your record.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$550
$1,685
PEMCO
$561
$2,487
$672
$2,167
$711
$2,251
$735
$3,246
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Bankrate’s take: Washington may require that you file an SR-22 or another form of proof of financial responsibility to be allowed to drive following a DUI conviction. You’ll be subject to this requirement if you’ve been convicted of or forfeited bail for certain accidents, failed to pay judgments or driven or owned a vehicle involved in an accident. An SR-22 certificate is proof of insurance that insurers can file with the state to show that you have sufficient coverage to pay for damages you cause while driving. You can avoid the SR-22 requirement by getting a certificate of deposit for at least $60,000 from the Department of Licensing or a liability bond for the same amount from any surety or bonding company that does business in the state.

Cheapest car insurance for young drivers in Washington

Young people pay far higher rates for auto insurance than adults. A combination of limited experience and a brain that is still maturing when it comes to decision-making makes teens and young adults far more likely to get into accidents and file claims. That can make finding cheap car insurance for young adults hard.

Depending on your needs as a young driver, different insurers may offer a better deal.

Cheapest Washington car insurance for insuring a teen driver: PEMCO

Teen drivers who do not yet have years of experience behind the wheel are statistically one of the most likely age groups to be involved in accidents and other incidents. Because of this, teen drivers pay, on average, a higher rate for car insurance, whether they have their own policy or are included on their parents' policies. As drivers age and gain driving experience, the average cost of car insurance tends to decline. By shopping around and looking for teen discounts or student discounts, you may be able to find a better deal on car insurance for a teen driver.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
PEMCO
$217
$828
$708
$2,478
$859
$2,643
Mutual of Enumclaw
$922
$2,734
$1,036
$4,357
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Bankrate’s take: Our rates listed for insuring a teen driver reflect the total cost of a 16-year-old driver insured on their married parents’ policy. Older drivers on their own policy may see even higher rates. Typically, it is cheaper for teens and young adults to get insurance by having their parents add them to their existing policy.

Cheapest Washington car insurance for teens with a ticket: Geico

If a teen driver gets a ticket for speeding or another infraction, it can cause their already high insurance rates to spike. If that happens to you, Geico is likely to offer the cheapest coverage. Our incident rates reflect average premiums for an 18-year-old driver on their own policy.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$1,135
$3,940
PEMCO
$1,147
$6,423
$1,238
$3,909
$1,586
$5,232
$1,675
$5,308

Cheapest Washington car insurance for teens with an at-fault accident: Geico

If you get into an accident and are deemed to be at fault, you’ll have to pay for the damages and will see your insurance premiums rise at renewal. If you find yourself in this situation, consider Geico for low-cost high-risk coverage.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$1,275
$4,460
PEMCO
$1,280
$6,968
$1,548
$4,864
$1,685
$5,470
$1,889
$5,941
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Bankrate’s take: Washington is an at-fault state. That means that when an accident occurs, fault is assigned to one or both drivers. Both drivers can be determined to be partially at fault, with liability for damages assigned based on the proportion of fault each driver is assigned.

Cheapest Washington car insurance for young drivers with a DUI: Progressive

A young adult convicted of a DUI will likely see their insurance premiums skyrocket. While there is no guarantee that a particular company will agree to insure a driver with a DUI on their record, if you find yourself in this situation, consider starting your search with Progressive for lower average premiums.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$937
$3,066
PEMCO
$1,000
$5,247
$1,129
$3,577
$1,168
$4,024
$1,226
$4,470

Cheapest car insurance rates by city in Washington

One factor that has an impact on your premium is your ZIP code. If you live in an area with a high crime rate, or in a high-traffic area that sees more than the average number of accidents, your insurer may see you as a higher risk and could increase your rate accordingly. Below are average rates for different Washington cities and towns, as well as the cheapest insurer on average in those areas.

Cheapest cities in Washington for car insurance

Colville
City average annual min coverage premium
$359
Cheapest car insurance carrier
PEMCO
Company average annual premium
$208
Evans
City average annual min coverage premium
$359
Cheapest car insurance carrier
PEMCO
Company average annual premium
$238
Kettle Falls
City average annual min coverage premium
$357
Cheapest car insurance carrier
PEMCO
Company average annual premium
$210
Northport
City average annual min coverage premium
$360
Cheapest car insurance carrier
PEMCO
Company average annual premium
$225
Republic
City average annual min coverage premium
$359
Cheapest car insurance carrier
PEMCO
Company average annual premium
$191

Cheapest car insurance in larger cities in Washington

Bellevue
City average annual min coverage premium
$533
Cheapest car insurance carrier
USAA
Company average annual premium
$346
Seattle
City average annual min coverage premium
$584
Cheapest car insurance carrier
PEMCO
Company average annual premium
$352
Spokane
City average annual min coverage premium
$458
Cheapest car insurance carrier
USAA
Company average annual premium
$282
Tacoma
City average annual min coverage premium
$605
Cheapest car insurance carrier
USAA
Company average annual premium
$374
Vancouver
City average annual min coverage premium
$503
Cheapest car insurance carrier
USAA
Company average annual premium
$313

Car insurance discounts in Washington

One of the easiest ways to find cheap car insurance in Washington is through discounts. Discount opportunities are very common, and may save you anywhere from a few dollars to 25 or 30 percent on the cost of your car insurance policy. Here are some car insurance discounts in Washington that you may see listed on your insurer's website:

  • Young driver discounts: Drivers under the age of 25 may be able to save if they are full-time high school or college students who maintain GPAs above the threshold set by an insurance company. They may also save if they are on their parents' policy and attend a school more than 100 miles from home.
  • Safe driver discounts: Drivers who go without an at-fault accident or moving violation conviction on their records for a certain number of years (usually three to five) may earn a discount. Participating in your insurer's telematics program could also earn you a hefty discount on your premium if the data shows that you're a safe and careful driver.
  • Safety features: Many insurers offer a discount for having a car with certain safety features, and you may also be able to save if you install an anti-theft system in the vehicle.
  • Military discounts: Discounts for veterans or active-duty military members may also be available from certain car insurance companies.
  • Organizational discounts: Some insurers offer discounts to drivers who are members of certain organizations, companies, and/or alumni groups.

Frequently asked questions

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carriers reviewed
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ZIP codes examined
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quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 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 are based on a single, 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 2022 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.

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.

Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute