Cheapest Insurance in Washington 2021

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  • Find cheapest car insurance Washington
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
With some of the highest rates of vehicle theft in the United States, it can be tricky to find truly cheap car insurance in Washington state—but that doesn’t mean that affordable premiums aren’t available. Using Jerry to view multiple quotes can help you find them.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Washington. And if you want to learn more about car insurance rates in Washington keep reading.
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Find the cheapest car insurance in Washington with Jerry

A lot goes into an insurance premium: demographics and personal profile, driving record, car make and model, annual mileage, location… the list goes on. Every insurer weighs these factors differently, so comparing quotes from numerous companies is your best bet to find cheap car insurance.
Here’s how much Jerry customers were paying for car insurance in Washington before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Washington with Jerry

Insurance Company
Before Jerry
After Jerry
Mapfre
$960$780
Infinity
$2,760$1,684
Progressive$2,631$1,773
Gainsco
$4,680$1,826
Allstate$2,673$1,828
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Washington.

Cheapest minimum coverage car insurance in Washington

The minimum required insurance coverage varies depending on your state laws. In Washington, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Washington:
Before Jerry
After Jerry
$3,280$1,736
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Additional coverages you might want to consider when shopping for car insurance in Washington

Risk factorCoverage. to consider
Forest firesComprehensive insurance will cover physical damage to your car, including from a forest fire or other severe weather event.
Uninsured driversHaving uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.
Growing populationsAs populations rise, accident forgiveness coverage can help ensure your premiums don’t rise if you get into an at-fault accident.
While minimum liability insurance is sufficient to drive in the state of Washington, local factors like high theft rates and forest fires make purchasing additional coverage a good idea.

Best carriers for minimum coverage car insurance in Washington

Failing to carry proof of financial responsibility (aka insurance) in Washington comes with some serious penalties. In addition to a fine of up to $450, you can face license suspension and conviction of a misdemeanor.
Thankfully, rates for minimum insurance are quite affordable in Washington state.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Washington:
Insurance Company
Before Jerry
After Jerry
Allstate$2,086$1,202
Progressive$2,525$1,373
Kemper
$2,762$1,482
National General
$3,382$1,829

Cheapest full coverage car insurance in Washington

If you can afford to secure more than the mandatory minimum insurance, it can provide peace of mind and additional financial security.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,030$2,326
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Best carriers for full coverage car insurance in Washington

Washington state has a wide range of insurance providers that offer greater protection for drivers.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Washington:
Insurance Company
Before Jerry
After Jerry
Allstate$2,148$1,647
Progressive$2,347$1,749
Safeco$2,073$1,762
Kemper
$1,963$1,836
National General
$4,692$3,534
While the minimum coverage is sufficient to drive legally in the state of Washington, securing additional protection will provide peace of mind and protect you financially in the event of an incident.

Cost to insure your car in Washington by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Accidents are the top cause of death for young drivers between the ages of 16 and 25 in Washington. Studies show that age-related immaturity plays a significant role in poor decision making while on the road.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,974$1,939
21-24$2,660$1,702
25-34$2,431$1,555
35-44$2,592$1,571
45-54$2,209$1,431
55-64$2,320$1,787
65+$2,753$1,876
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Cost of insurance for drivers in Washington with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Traffic violations stay on your driving record for five years and insurers can use the most recent three years to increase your rates if they deem you a high-risk driver.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,872$1,907
Wrong Way/Wrong Lane$1,644$1,379
Improper Passing$3,405$2,087
Speeding under 15$3,311$2,244
Careless Driving$3,642$2,418
Defective Equipment$3,843$2,684
Speeding over 15$4,473$2,890
Failure to Obey Traffic Sign$4,967$3,063
DUI$8,400$4,145
Other$3,382$2,258

Best carriers for drivers with infractions in Washington

Insurance Company
Before Jerry
After Jerry
Progressive$2,859$1,842
Nationwide$2,540$1,845
Allstate$2,684$1,862
Safeco$2,771$1,973
Travelers$3,293$2,239
Kemper
$3,636$2,372
National General
$3,595$2,535
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Cost of insurance for young drivers in Washington with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
While there are certain measures that young drivers can take to reduce their premiums (like a defensive driving course), insurance companies must cover themselves for the increased risk. They do this through high premiums.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,463$2,123
Improper Passing$4,466$2,158
Speeding under 15$3,648$2,358
Failure to Obey Traffic Sign$5,723$3,423
Speeding over 15$7,367$3,847
Defective Equipment$4,608$3,987
DUI$8,400$4,145
Other$2,931$2,229
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Washington, check out these top carriers.

Best carriers for young drivers with infractions in Washington

Insurance Company
Before Jerry
After Jerry
Nationwide$3,000$1,960
Progressive$3,340$2,126
Allstate$3,355$2,181
Safeco$3,271$2,226
National General
$3,770$2,592
Travelers$4,106$2,652
Kemper
$4,520$2,986
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Washington

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Washington.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
It’s fairly easy to qualify for insurance discounts in Washington, though you may need to ask your insurance company about which ones are applicable to you.
Discount typeWho is eligible?
Safe driving discountSeniors who take an approved safe driving for seniors course are eligible for a discount on their premium.
Usage-based discountUsing an app or telematic device, your insurance company can calculate your premiums based on how you actually drive rather than how they think you drive. Safe and infrequent driving can result in cheaper premiums.
Bundling discountBundling your auto insurance with another policy, such as home or renter’s insurance, can net you savings of up to 12% on each policy.
Good student discountStudents who are enrolled full time and maintain at least a B average are typically eligible for up to 20% in insurance savings.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Washington?

Though an off-roading Jeep might be the perfect vehicle for an adventure through Washington’s Cascade mountain range, it’s not going to help you get the cheapest insurance premium. For that, you’ll want something like the popular Honda Accord or Civic.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura TL$1,308$612
Alfa Romeo Giulia$3,150$1,824
Audi A5 Premium Plus$2,400$1,764
Buick Verano$2,244$1,128
Chevrolet Equinox LS$3,051$1,638
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Cheapest car insurance in Washington by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Washington’s insurance rates are in line with the average across the rest of the country. The state isn’t very dense in terms of population, but there’s one factor that keeps rates up: theft.
Seattle, Bellevue, and Tacoma all rank high on the list of places for car thefts. More thefts mean more claims, and that means higher premiums for policyholders.
City
Before Jerry
After Jerry
Olympia$2,392$1,478
Seattle$3,059$2,141
Vancouver$2,649$2,008

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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