Home Car insurance Car insurance calculator Washington car insurance calculator Washington car insurance calculator 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 13, 2025 Why you can trust Insure.com Quality Verified 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. If you drive in Washington, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Washington car insurance calculator.It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Washington, giving you the insight you need to confidently choose coverage. How to use our car insurance calculator to estimate your rates in Washington:Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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:How much does your vehicle model affect car insurance rates in Washington?Car insurance rates in Washington vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.A full coverage car insurance policy in Washington for a Honda Accord LX costs $2,016 annually, whereas a Honda CR-V costs $1,610 to insure in Washington – a difference of $406.How your car’s model year affects insurance rates in WashingtonIn Washington, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $3,099 year to insure, whereas the 2024 model costs $1,910 annually. Know the minimum insurance you need in WashingtonEvery state has specific car insurance requirements. In Washington, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Washington’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment. 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 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 How your car’s trim affects insurance rates in WashingtonInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in Washington, full coverage car insurance for a 2023 Honda Accord LX costs $3,099 a year, while the higher-end Accord EX-L trim costs $2,633 annually – a difference of $466 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. You might find interesting Average car insurance cost in WashingtonCar insurance calculator for teens in WashingtonCheapest SR-22 insurance in WashingtonDo you need insurance to register a car in Washington?How much is gap insurance in WashingtonLow-cost car insurance in WashingtonNon-owner car insurance in Washington: Which company has the cheapest rates?The best, cheapest car insurance in WashingtonBest and cheapest companies for home and auto bundles in WashingtonShow more What drivers pay for car insurance in WashingtonIn Washington, the average cost of full coverage car insurance is $2,175 per year, or $181 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Washington, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,175$181Liability Only – 50/100/50 BI/PD$864$72State Minimum BI/PD$490$41Non-Owners$403$34Powered by:How much is car insurance in Washington by cityIn Washington, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Tukwila pay about $2,810 per year for a full coverage policy, where as drivers in Sequim pay $1,806 annually.Top 20 cities with cheapest car insurance rates in WashingtonCityAvg. Annual PremiumAvg. Monthly PremiumSequim$1,806$150Lopez Island$1,824$152Port Townsend$1,825$152Port Angeles$1,832$153Friday Harbor$1,837$153Olga$1,838$153Anacortes$1,842$154Hay$1,846$154Chimacum$1,847$154Colfax$1,848$154Eastsound$1,850$154Oak Harbor$1,856$155Beaver$1,859$155Richland$1,863$155West Richland$1,863$155Marrowstone$1,868$156Benton City$1,872$156Port Hadlock-Irondale$1,872$156Sekiu$1,874$156Blakely Island$1,878$156Powered by:Top 20 cities with most expensive car insurance in rates WashingtonCityAvg. Annual PremiumAvg. Monthly PremiumTukwila$2,810$234Bryn Mawr-Skyway$2,789$232Federal Way$2,740$228Parkland$2,739$228White Center$2,736$228SEATAC$2,729$227Seahurst$2,718$227Tacoma$2,716$226East Hill-Meridian$2,715$226Kent$2,708$226Des Moines$2,678$223Lakeland North$2,671$223Auburn$2,662$222Burien$2,650$221Pacific$2,644$220Fife$2,606$217Clover Creek$2,604$217Waller$2,604$217University Place$2,599$217Spanaway$2,593$216Powered by:Want to know what you’ll pay? Try our Washington car insurance calculatorOur Washington car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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 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. In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? 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 How to use our car insurance calculator to estimate your rates in Washington:How much does your vehicle model affect car insurance rates in Washington?How your car's model year affects insurance rates in WashingtonHow your car's trim affects insurance rates in WashingtonWhat drivers pay for car insurance in WashingtonHow much is car insurance in Washington by cityWant to know what you'll pay? Try our Washington car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330