Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Washington Average car insurance cost in Washington The average full coverage car insurance cost in Washington is $2,175 annually, or $181 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,175 a year or $181 per month for Washington drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $490 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,175 Average per month cost $181 Average cost for state minimum coverage $864 / Year Cheapest car insurance company American Family($1,752 / Year) Average cost for young drivers $3,475 / Year Average cost for Senior drivers $2,215 / Year Average car insurance cost in Washington If you’re a resident of Washington, full coverage car insurance typically costs about $181 per month, adding up to $2,175 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $41, or $490 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in WashingtonIf you’re looking for affordable insurance, American Family tops the list of the cheapest car insurance companies. Its average annual cost is $1,752 per year or $146 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Washington for a full coverage policy at an average annual insurance cost of $1,998 or $166 monthly.While these companies offer some of the lowest average premiums in Washington, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Washington Graph Table Company nameAverage per month costAverage annual costAmerican Family$146$1,752GEICO$166$1,998Travelers$180$2,164Farmers$186$2,232Nationwide$201$2,408Allstate$206$2,478State Farm$210$2,522PEMCO$211$2,527Progressive$216$2,587USAA*$88$1,058*USAA is only available to military community members and their families.Powered by: Washington car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Washington Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Washington Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,186/year Full Coverage$2,351/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in WashingtonThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $41 per month, or $490 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Washington, the average cost for full coverage is $181 per month, or $2,175 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$490Liability only$864Full coverage$2,175Non-owner state minimum liability$403Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Washington by citySee rates in your cityBellevueSeattleSpokaneTacomaVancouver Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Washington by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Federal Way, Tacoma or Kent, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Spokane Valley or Spokane pay significantly low insurance rates, on average between $2,048 and $2,205 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costSpokane Valley$2,048Spokane$2,205Vancouver$2,315Everett$2,398Bellevue$2,406Seattle$2,581Renton$2,590Kent$2,708Tacoma$2,716Federal Way$2,740Powered by:Average car insurance cost in Washington by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Washington, based on age and gender.Average car insurance cost in Washington for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Washington pays an average of $4,996 annually for car insurance, compared to $4,385 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,553 per year for male drivers and $2,484 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,996$4,38521$3,796$3,42622$3,401$3,13123$3,118$2,90824$2,895$2,738Powered by:Average car insurance cost in Washington for adult driversAn adult driver aged 25-60 in Washington pays $2,166 annually for full coverage, or around $180 each month. Women in the same age group pay $2,201 per year or $183 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,553$2,48430$2,289$2,32735$2,203$2,26640$2,135$2,21645$2,097$2,17750$2,050$2,10855$1,997$2,03160$2,007$2,009Powered by:Average car insurance cost in Washington for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,079 annually, while women pay $2,060.By 70, average rates go up to $2,194 for men and $2,156 for women. At age 75, costs increase further, reaching $2,448 for men and $2,356 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,079$2,06070$2,194$2,15675$2,448$2,356Powered by:Minimum car insurance requirements in WashingtonWhether you’re buying your first insurance policy or just moved to Washington, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Washington must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in WashingtonInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Mini Cooper Electric has the lowest premium, at an average of $1,569 a year, closely followed by Volkswagen Tiguan, with an average annual car insurance cost of $1,579.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumMini Cooper Electric$1,569Volkswagen Tiguan$1,579Honda CR-V$1,610Hyundai Tucson$1,628Mini Cooper Countryman JCW$1,632Honda HR-V$1,635Honda Odyssey$1,649Mazda CX-5$1,664Acura RDX$1,665Honda Pilot$1,671Powered by:Most expensive cars to insure in WashingtonMaserati Quattroporte is one of the most expensive vehicles to insure in Washington, with an average annual cost of $5,303.Below is a list of the costliest vehicles to insure in Washington and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,303Maserati Ghibli$5,262BMW M8 Gran Coupe$5,029Mercedes-AMG EQS$4,444BMW i7$4,442Mercedes-AMG G63$4,336Mercedes-Benz S-Class$4,313BMW M8$4,259Audi RS7$4,216Audi RS6$4,165Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in WashingtonCheapest car insurance companies in WashingtonAverage cost of car insurance by coverage levels in WashingtonAverage car insurance cost in Washington by cityAverage car insurance cost in Washington by ageMinimum car insurance requirements in WashingtonCheapest cars to insure in WashingtonMost expensive cars to insure in WashingtonMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330