Low-cost car insurance in Washington

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In Washington, American Family offers the cheapest average premium at $1,752 per year. For comparison, the statewide average monthly cost is $181, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Washington, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

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

American Family offers the lowest car insurance rates in Washington, with an average annual premium of $1,752 per year. It’s $423 less expensive than the average car insurance cost in Washington. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

Drivers in the 98382 ZIP code pay the lowest average annual premium in Washington, at $1,806. See which other areas of the state offer more affordable rates below.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Washington

A single speeding ticket in Washington can push your rates up by 43%, or about $931. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

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 costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Washington, the average cost of full coverage is $338 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

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

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance 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 53,409,632 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.