Low-cost car insurance in Washington

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American Family provides the lowest car insurance rates in Washington at $1,752 a year. The average premium is $181 per month in Washington, though your actual rate may vary.

Car insurance requirements differ by state. In Washington, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different 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

Young drivers often face the highest premiums. In Washington, for example, a 16-year-old pays $7,982 more than a 40-year-old driver.

The table below shows how rates change by age group.

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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. American Family has the lowest average rate at $2,580 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Washington with the most affordable rates for drivers with an 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 often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Washington keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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 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.

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 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.