Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Washington
We monitor insurance prices, helping the average driver in Washington save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Washington
The chart below shows the cheapest car insurance company in Washington for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| Washington Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| State Farm | $51 |
| Progressive | $56 |
| Geico | $60 |
Savings for Every Kind of Washington Driver
Based on our extensive insurance data, we know the average Washington driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $385 per year by choosing the right vehicle insurance company. Some Washington residents are paying out over $1,316 extra every year for auto insurance in Washington. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Washington Savings / Yr. |
|---|---|
$385 |
|
$680 |
|
$490 |
|
$371 |
|
$1,408 |
|
$266 |
|
$456 |
Washington Car Insurance vs. the United States
People living in Washington pay an average of 6.30% less than the typical driver in the nation. The average driver in Washington can expect to pay about $791 per year, or $1,316 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Washington for most people.
Car Insurance Prices by Washington Neighborhood
Insurance Prices
Where is insurance cheapest within Washington?
The map shows insurance prices in and around Washington, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $716 per year within the state boundaries, with insurance premiums ranging from a high of $1,965 to a low of $1,249. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Washington.Pick the Best Car Insurance Company for You in Washington
The best car insurance provider for most drivers in Washington
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $385 over the average Washington car insurance company.
The best car insurance provider for Washington drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $680 over the competition.
The best car insurance company for Washington drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $490 better than other car insurance companies.
The best auto insurance for Washington drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $371 less each year.
The least expensive car insurance company for new and young drivers in Washington
In Washington, State Farm costs young drivers $1,408 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Washington
State Farm gave the largest car insurance discounts to married couples, averaging $266 saved each year compared to an average Washington couple's premiums.
The cheapest car insurance in Washington for drivers with bad credit
The best Washington car insurance company for customer service
Nationwide was the best company for customer service in Washington according to the NAIC.
Recent price drops
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The cheapest large national provider in Washington
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Washington driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Washington, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Washington
What Influences the Cost of Car Insurance in Washington?
On average, car insurance in Washington is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Washington is 36 minutes, which is far more than average for a driver in the nation.
- Washington state insurance regulations may allow for lower prices.
- An average of 31 to 32 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Washington are among the highest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Washington has an average population density in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Washington is $66 per month for minimum coverage and $110 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Oregon: Insurance costs 15.35% more
- Idaho: Insurance costs 35.11% less
- Montana: Insurance costs 33.05% more
- Nevada: Insurance costs 157.22% more
- Utah: Insurance costs 2.66% more
- Wyoming: Insurance costs 23.71% more
- California: Insurance costs 104.48% more
- Colorado: Insurance costs 81.16% more
- North Dakota: Insurance costs 2.66% more
- Arizona: Insurance costs 66.87% more
States with Similar Populations
- Pennsylvania: Insurance costs 3.12% more
- Montana: Insurance costs 33.05% more
- Nebraska: Insurance costs 3.12% more
- Nevada: Insurance costs 157.22% more
- New Hampshire: Insurance costs 25.91% less
- New Jersey: Insurance costs 67.25% more
- New Mexico: Insurance costs 14.44% more
- New York: Insurance costs 198.18% more
- North Carolina: Insurance costs 20.74% less
- North Dakota: Insurance costs 2.66% more