If you are looking for auto insurance in Washington, knowing how much it will cost is a promising idea. The average premium for car insurance in Washington is $1,377 per year or $115 per month. While the national average is $1,682. There is a difference of $305 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Washington, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Washington per month

In Washington, the average premium for car insurance is $115 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Washington, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Washington is USAA Casualty Ins Co. The average annual cost is $839 while the average cost per month is $70. The second-best option available is, GEICO Advantage Ins Co, offering insurance at an average per month cost of $87.

The table below lists the other available car insurance companies which offer car insurance in Washington, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
USAA Casualty Ins Co$70$839
GEICO Advantage Ins Co$87$1,045
Nationwide Mutual Ins Co$91$1,095
Standard Fire Ins Co$94$1,130
Unitrin Auto & Home Ins Co$97$1,158
Eagle West Ins Co$97$1,169
State Farm Mutl Automobile Ins$100$1,200
Progressive Direct Ins Co$108$1,297
Truck Ins Exchange$111$1,327
American Family Ins Co$127$1,527

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Washington

The amount of coverage you purchase has an impact on how much car insurance costs in Washington. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Washington is $680.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Washington is $1,377 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Washington, the average annual cost for non-owner state minimum liability only is $394.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $513 per year in Washington.

Coverage limitsAverage annual cost
50/100/50 Liability Only$680
100/300/100 Liability with $500 Comp/Coll Deductible$1,377
Non-Owner State Minimum Liability Only$394
State Minimum Liability Only$513

Average car insurance cost in Washington by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Washington:

CityAverage annual cost
Seattle$1,643
Spokane$1,374
Tacoma$1,689
Vancouver$1,471
Bellevue$1,496
Kent$1,668
Everett$1,510
Renton$1,630
Spokane Valley$1,302
Federal Way$1,691

Average car insurance cost in Washington by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Washington is $2,685 while for seniors is $1,411. Here, the rate for young drivers is $1,274 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Washington for young drivers

The average car insurance cost for female young drivers in Washington is $2,542 per year or $212 per month and rate for a male young driver is $2,828 per year or $236 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$4,755$4,239
19$3,723$3,320
20$3,408$2,996
21$2,659$2,377
22$2,274$2,063
23$2,130$1,942
24$2,000$1,836
25$1,674$1,562

Average car insurance cost in Washington for senior drivers

In Washington, the cost of car insurance for senior female driver is $1,408 per year or $117 per month and cost of car insurance for male senior driver is $1,414 per year or $118 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,284$1,279
70$1,389$1,393
75$1,570$1,552

Read more about senior car insurance

Summary of average car insurance cost in Washington
Average annual cost
$1,377
Average per month cost
$115
Average cost for state minimum coverage
$513 / Year
Cheapest car insurance company
USAA Casualty Ins Co
($839/ Year)
Average cost for young drivers
$2,685 / Year
Average cost for Senior drivers
$1,411 / Year
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