Low-cost car insurance in Washington

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Drivers in Washington can find the cheapest average premium with American Family, at $1,752 per year. By comparison, the statewide average monthly cost is $181. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Washington requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Washington, depending on your situation.

Key Takeaways

American Family has the lowest average car insurance premium in Washington, costing $1,752 per year. That’s $423 the state average.
For drivers with an at-fault accident on record, American Family offers the most affordable coverage at around $2,580 annually.
The 98382 ZIP code stands out as the cheapest area for auto insurance in Washington, with an average yearly cost of $1,806.

Low-cost car insurance companies in Washington

Among all insurers in Washington, American Family comes in lowest at $1,752 per year – $423 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Washington.

Company	Average annual rates
American Family	$1,752
GEICO	$1,998
Travelers	$2,164
Farmers	$2,232
Nationwide	$2,408
Allstate	$2,478
State Farm	$2,522
PEMCO	$2,527
Progressive	$2,587
USAA*	$1,058

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Washington

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Washington

In Washington, drivers living in the 98382 ZIP code enjoy the lowest average annual premium at $1,806. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
98382	Sequim	$1,806
98362	Port Angeles	$1,813
98261	Lopez Island	$1,824
98368	Port Townsend	$1,825
98250	Friday Harbor	$1,837
98279	Olga	$1,838
98221	Anacortes	$1,842
99136	Hay	$1,846
98325	Chimacum	$1,847
99111	Colfax	$1,848

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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 city

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Low-cost car insurance in Washington by age

Teen drivers in Washington pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $7,982 more than a 40-year-old driver in Washington.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$7,637
Young Adults (20-24)	$3,475
Adults (25-60)	$2,183
Seniors (65-75)	$2,215

Low-cost car insurance in Washington by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Washington

Just one speeding ticket in Washington can raise your rates by 43% – $931 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
American Family	$1,752	$2,166	24%	$414
Farmers	$2,232	$2,452	10%	$220
Allstate	$2,478	$2,701	9%	$224
State Farm	$2,522	$2,738	9%	$216
Travelers	$2,164	$3,146	45%	$982
GEICO	$1,998	$3,341	67%	$1,343
Progressive	$2,587	$3,417	32%	$831
Nationwide	$2,408	$4,120	71%	$1,711
USAA*	$1,058	$1,243	17%	$185

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Washington

American Family offers the lowest car insurance rates to drivers after an at-fault accident at $2,580 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
American Family	$1,752	$2,580	47%	$828
State Farm	$2,522	$2,954	17%	$431
Travelers	$2,164	$3,038	40%	$874
GEICO	$1,998	$3,335	67%	$1,337
Allstate	$2,478	$3,481	40%	$1,003
Farmers	$2,232	$3,858	73%	$1,626
Nationwide	$2,408	$4,065	69%	$1,657
Progressive	$2,587	$4,656	80%	$2,069
USAA*	$1,058	$1,495	41%	$437

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Washington

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Washington are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
American Family	$1,752	$2,166	$414	24%
State Farm	$2,522	$2,738	$216	9%
Allstate	$2,478	$3,205	$727	29%
Progressive	$2,587	$3,205	$618	24%
Travelers	$2,164	$3,294	$1,130	52%
GEICO	$1,998	$3,478	$1,480	74%
Farmers	$2,232	$3,938	$1,706	76%
Nationwide	$2,408	$5,169	$2,760	115%
USAA*	$1,058	$2,189	$1,131	107%

*USAA is only available to military community members and their families.

Average cost of car insurance Washington

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Washington is $338 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Washington, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Washington.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Washington. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.