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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 Washington

GEICO 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 rates
GEICO$1,171
PEMCO$1,326
Travelers$1,503
Nationwide$1,658
Farmers$1,714
American Family$1,750
Allstate$1,766
State Farm$1,794
Progressive$2,554
USAA*$853

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Washington

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170+

Carriers reviewed
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53M+

Quotes analysed
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34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Washington

The 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 rates
99149Malden$1,331
98811Ardenvoir$1,355
98382Sequim$1,362
98261Lopez Island$1,364
98362Port Angeles$1,366
98368Port Townsend$1,367
98279Olga$1,373
98250Friday Harbor$1,374
98221Anacortes$1,376
98245Eastsound$1,380

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

Cheapest 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. 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 premiums
Teens (16-19)$5,244
Young Adults (20-24)$2,481
Adults (25-60)$1,617
Seniors (65-75)$1,693

Cheapest car insurance in Washington by driver history

Your 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 Washington

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

  • Farmers: $1,883 per year
  • Allstate: $1,925 per year
  • State Farm: $1,948 per year

Insure.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$ Increase
Farmers$1,714$1,88310%$169
Allstate$1,766$1,9259%$159
State Farm$1,794$1,9489%$154
GEICO$1,171$1,95867%$787
American Family$1,750$2,16424%$414
Travelers$1,503$2,18545%$682
Nationwide$1,658$2,83671%$1,178
Progressive$2,554$3,37432%$820
USAA*$853$1,00217%$149

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Washington

Here are the top three insurers that provide cheap car insurance rates following an accident.

  • GEICO: $1,954 per year
  • State Farm: $2,101 per year
  • Travelers: $2,110 per year

GEICO 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$ Increase
GEICO$1,171$1,95467%$783
State Farm$1,794$2,10117%$307
Travelers$1,503$2,11040%$607
Allstate$1,766$2,48140%$715
American Family$1,750$2,57747%$827
Nationwide$1,658$2,79969%$1,141
Farmers$1,714$2,96273%$1,248
Progressive$2,554$4,59880%$2,044
USAA*$853$1,20641%$353

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Washington

Below, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:

  • State Farm: $1,948 per year
  • GEICO: $2,039 per year
  • American Family: $2,164 per year

If 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% Increase
State 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 Washington

Full 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 thoughts

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.

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.

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 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 applied

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

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

author image
Shivani Gite
Contributing Writer

 
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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.

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