Home Car insurance Car insurance rates by state Cheapest car insurance in Washington Cheapest car insurance in Washington GEICO has the cheapest car insurance rates for Washington drivers at $1,171 a year, based on Insure.com's data study. 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: May 26, 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. GEICO provides the cheapest car insurance in Washington at $1,171 a year. Your rates may vary, but the average premium is $134 per month in Washington, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in Washington, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $10,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: GEICO $1,171/year National avg. rate Cheapest for at-fault accident: GEICO $1,954/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Farmers $1,883/year Avg. rate after speeding ticket Key Takeaways GEICO offers Washington drivers the cheapest car insurance rate at $1,171 annually, which is around 27% lower than the state’s average cost.In Washington, you can find the cheapest car insurance from GEICO at an annual cost of $1,954, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 99149 ZIP code has the cheapest car insurance rates for Washington drivers, with an average cost of $1,331 a year. Cheap car insurance companies in WashingtonGEICO offers Washington’s most affordable car insurance rates, at $1,171 per year, 27% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.CompanyAverage annual ratesGEICO$1,171PEMCO$1,326Travelers$1,503Nationwide$1,658Farmers$1,714American Family$1,750Allstate$1,766State Farm$1,794Progressive$2,554USAA*$853 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Washington 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in WashingtonThe cheapest ZIP code for car insurance in Washington is 99149, with an average annual cost of $1,331. Find below the most affordable ZIP codes for auto insurance rates in Washington.ZIP codeCityAverage annual rates99149Malden$1,33198811Ardenvoir$1,35598382Sequim$1,36298261Lopez Island$1,36498362Port Angeles$1,36698368Port Townsend$1,36798279Olga$1,37398250Friday Harbor$1,37498221Anacortes$1,37698245Eastsound$1,380Auto 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 cityBellevueSeattleSpokaneTacomaVancouverCheapest car insurance in Washington by ageTeen drivers in Washington pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $5,043 more than a 40-year-old driver in Washington, based on Insure.com’s analysis.The table below shows the cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeens (16-19)$5,244Young Adults (20-24)$2,481Adults (25-60)$1,617Seniors (65-75)$1,693 You might find interesting The best, cheapest car insurance in WashingtonWashington car insurance calculatorNon-owner car insurance in Washington: Which company has the cheapest rates?Cheapest SR-22 insurance in WashingtonBest and cheapest companies for home and auto bundles in Washington Cheapest car insurance in Washington by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in WashingtonHere are the top three companies offering affordable rates for car insurance after a speeding ticket.Farmers: $1,883 per yearAllstate: $1,925 per yearState Farm: $1,948 per yearInsure.com data shows that a single speeding ticket in Washington can result in a 43% or $688 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Washington, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseFarmers$1,714$1,88310%$169Allstate$1,766$1,9259%$159State Farm$1,794$1,9489%$154GEICO$1,171$1,95867%$787American Family$1,750$2,16424%$414Travelers$1,503$2,18545%$682Nationwide$1,658$2,83671%$1,178Progressive$2,554$3,37432%$820USAA*$853$1,00217%$149 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in WashingtonHere are the top three insurers that provide cheap car insurance rates following an accident.GEICO: $1,954 per yearState Farm: $2,101 per yearTravelers: $2,110 per yearGEICO offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $1,954 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseGEICO$1,171$1,95467%$783State Farm$1,794$2,10117%$307Travelers$1,503$2,11040%$607Allstate$1,766$2,48140%$715American Family$1,750$2,57747%$827Nationwide$1,658$2,79969%$1,141Farmers$1,714$2,96273%$1,248Progressive$2,554$4,59880%$2,044USAA*$853$1,20641%$353 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in WashingtonBelow, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:State Farm: $1,948 per yearGEICO: $2,039 per yearAmerican Family: $2,164 per yearIf you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,794$1,948$1549%GEICO$1,171$2,039$86874%American Family$1,750$2,164$41424%Allstate$1,766$2,284$51829%Travelers$1,503$2,287$78452%Farmers$1,714$3,024$1,31076%Progressive$2,554$3,165$61124%Nationwide$1,658$3,558$1,900115%USAA*$853$1,765$912107% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in WashingtonFull coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Washington is $287 less than the national average.Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.What is full coverage car insurance in Washington?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Washington, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.Final thoughtsWhen 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.Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in Washington.MethodologyInsure.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 violation 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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.West VirginiaWisconsinWyomingShow moreShivani 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 Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in WashingtonHow we choose the cheapest car insurance companies in WashingtonCheapest ZIP codes for car insurance in WashingtonCheapest car insurance in Washington by ageCheapest car insurance in Washington by driver historyAverage car insurance cost in WashingtonFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330