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: January 7, 2026 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 If you live in Washington, you can expect to pay an average of around $181 per month for full coverage car insurance, or $2,175 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $41 monthly or $490 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,175 / Year 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 012345 1 of 6 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 WashingtonAmerican Family has the cheapest rates, at an average annual cost of $1,752 or $146 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $166 per month or $1,998 annually.While these insurance companies have some of the lowest average rates in Washington, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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: *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 WashingtonYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $41 per month or $490 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Washington, drivers typically pay $181 per month or $2,175 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 cityWhere you live in Washington can have a big impact on your car insurance rates.If you’re located in cities like Federal Way, Tacoma, or Kent, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Spokane Valley and Spokane tend to pay much lower insurance premiums, between $2,048 and $2,205 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Washington for a full coverage policy based on your age and gender.Average car insurance cost in Washington for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Washington pay an average of $4,996 per year for car insurance, while females of the same age pay $4,385.But by the time you turn 25, insurance premiums drop to $2,553 a year on average for male drivers and $2,484 for female drivers.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 driversOn average, an adult male driver in Washington pays $2,166 a year for full coverage or $180 per month. Women pay $2,201 a year or $183 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,079 per year, while women pay $2,060. But by age 70, average premiums rise to $2,194 for men and $2,156 annually for women. At 75, rates increase even further – $2,448 for male drivers and $2,356 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 purchasing a policy for the first time or relocating to Washington, it’s important to understand the state’s liability coverage requirements.Drivers in Washington must carry at least the following minimum coverage limits to stay compliant with the law: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