Home Car insurance Car insurance rates by state Cheapest car insurance in Washington Cheapest car insurance in Washington By Insure.com's Editor | Posted on November 21, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. USAA provides the cheapest car insurance in Washington at about $845 a year. Your specific rates may vary, but the average car insurance premium in Washington is $114 per month, according to Insure.com’s rate analysis.Car insurance is a legal requirement in most states, and Washington is no exception. Washington drivers are required to carry at least the minimum amount of liability coverage—$10,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Cheapest car insurance in Washington by companyUSAA offers the cheapest car insurance in Washington an average of $845 per year. It’s 38% less expensive than the average car insurance cost in Washington. The rates 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 for car insurance from cheapest car insurance companies.CompanyAverage annual ratesUSAA$845Geico$962Nationwide$1,094Auto-Owners$1,151Travelers$1,155Kemper Insurance$1,174State Farm$1,200Progressive$1,253American Family$1,550Allstate$1,555Farmers Insurance$2,258Cheapest ZIP codes for car insurance in Washington98261 ZIP code in Washington has the cheapest auto insurance cost at an average price of $1,185 annually. Know the cheapest ZIP codes for car insurance in Washington below.ZIP codeAverage annual rates98261$1,18598250$1,19098221$1,19598245$1,19998279$1,20098222$1,20298362$1,20298368$1,20498382$1,20598277$1,208Cheapest car insurance in Washington by ageYoung drivers in Washington tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 357% more than a 40-year-old mature driver in Washington, based on Insure.com’s analysis.The table below shows cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeen drivers (age 16-19)$5,026Young drivers (age 20-24)$2,494Adult drivers (age 25-64)$1,389Senior drivers (age 65+)$1,375Read our Guide to car insurance for teens for more informationCheapest car insurance in Washington by driver historyYour driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get 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 WashingtonA single speeding ticket can increase your rates by 35% or $530 in Washington, based on Insure.com data.Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up.But if you’re looking for cheapest car insurance costs in Washington, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after incident% Increase$ IncreaseUSAA$901$1,05717%$157Nationwide$1,210$1,44219%$232State Farm$1,360$1,4879%$127Auto-Owners$1,157$1,57036%$413Geico$1,018$1,65062%$633Allstate$1,646$1,7959%$149Progressive$1,354$1,80934%$455Travelers$1,333$1,89742%$564American Family$1,782$2,20224%$419Farmers$2,491$2,7119%$220Kemper$1,258$4,033221%$2,775Cheapest car insurance after an accident in WashingtonUSAA offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1274 a year. No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after incident% Increase$ IncreaseUSAA$901$1,27441%$373Auto-Owners$1,157$1,48829%$331State Farm$1,360$1,61419%$254Geico$1,018$1,73671%$719Kemper$1,258$1,75640%$498American Family$1,782$1,7820%$0Nationwide$1,210$1,80349%$593Travelers$1,333$1,85039%$517Allstate$1,646$2,30740%$662Progressive$1,354$2,838110%$1,484Farmers$2,491$4,21569%$1,724Cheapest car insurance after a DUI conviction in WashingtonIf you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after incident% Increase$ IncreaseState Farm$1,360$1,4879%$127Progressive$1,354$1,67824%$324Geico$1,018$1,71969%$702USAA$901$1,864107%$964Auto-Owners$1,157$1,96570%$808Travelers$1,333$2,03953%$706Allstate$1,646$2,13029%$484American Family$1,782$2,20224%$419Nationwide$1,210$2,27388%$1,063Farmers$2,491$4,57984%$2,088Kemper$1,258$6,414410%$5,156Average car insurance cost in WashingtonFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Washington is 18% less than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.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, according to the Insurance Information Institute (III). 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 weather 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. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.Final thoughtsWhen it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly 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, make sure to compare insurance rates from various car insurance companies to get the cheapest car insurance coverage in WashingtonSource:Insurance Information Institute. “What is auto insurance.” Accessed August 2022.MethodologyInsure.com gathered the auto insurance rates with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Washington.The full coverage auto insurance rates are based on a sample driver profile of a 40-year-old man with a clean driving record and good credit score. 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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 Cheapest car insurance in Washington by companyCheapest 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 thoughtsSource:Methodology Get instant quotes now ! Please enter valid zip Get Quotes