Key Takeaways
- Aspire, The General and Progressive offer some of the cheapest car insurance in Washington.
- The average cost of minimum coverage in Washington is around $125 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Washington.
You may get cheap car insurance in Washington state from companies like Aspire, The General and Progressive. These are among the most affordable providers, according to real auto insurance quotes for Jerry customers in Washington.
Here are the cheapest car insurance companies for both liability-only and full coverage, plus preview rates by age, driving history and for drivers with low credit scores.
Cheap liability car insurance in Washington
Liability-only, or “minimum coverage,” is the cheapest option in Washington, but it only pays for others’ injuries or property damage if you cause a crash. These are the cheapest car insurance companies in Washington for minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $82 | $982 |
| Aspire Advantage | $82 | $984 |
| Progressive | $112 | $1,345 |
| The General | $115 | $1,385 |
| Dairyland | $118 | $1,410 |
| Commonwealth Insurance | $133 | $1,592 |
| National General | $144 | $1,724 |
| Bristol West | $159 | $1,908 |
| Assurance America | $206 | $2,476 |
| Gainsco | $228 | $2,731 |
Minimum liability car insurance requirements in Washington
Drivers in Washington are required to carry a minimum of:
- $25,000 for bodily injury or death of one person.
- $50,000 for bodily injury or death of two people.
- $10,000 for damage to other peoples’ property.
Cheap full coverage car insurance in Washington
These are the cheapest car insurance companies in Washington for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $158 | $1,896 |
| Assurance America | $200 | $2,405 |
| Aspire Advantage | $208 | $2,493 |
| Safeco | $212 | $2,548 |
| Progressive | $214 | $2,572 |
| National General | $260 | $3,119 |
| The General | $266 | $3,196 |
| Dairyland | $277 | $3,329 |
| Bristol West | $381 | $4,566 |
| Commonwealth Insurance | $428 | $5,132 |
Minimum liability vs. full coverage in Washington
A minimum liability coverage policy will pay for injuries or property damage you cause to others, but won’t cover damage to your own car.
Full coverage includes Washington’s liability requirements, plus coverage for your own car. Here’s what full coverage pays for:
- Liability insurance covers injuries or property damage you cause in an accident.
- Collision coverage pays for damage to your vehicle from an accident with another vehicle. This coverage typically has a deductible.
- Comprehensive coverage pays for vehicle damage caused by a non-collision event like weather and theft. This coverage typically has a deductible.
You may also add these optional coverages to your policy:
- Personal injury protection, or PIP, covers you, your family members and passengers in your car. It pays for things like medical expenses, lost wages and funeral expenses, no matter who caused the accident, up to your PIP limits. Insurance companies in Washington are legally required to offer PIP, but you can reject it in writing.
- Uninsured/underinsured motorist coverage, or UM/UIM, pays for your own injuries or property damage if you’re hit by a driver with limited liability insurance, or none at all. If you can afford this coverage type, it could be a wise addition to your policy. More than 16% of drivers in Washington state have no car insurance, according to data from a 2023 study by the Insurance Research Council.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Washington
Young drivers typically pay more for car insurance than older drivers because they have less experience on the road.
Below are the average costs of car insurance in Washington for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $365 | $4,376 |
| 21-24 | $316 | $3,794 |
Cheap liability car insurance in Washington for a 20-year-old
These are the cheapest car insurance companies in Washington for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $189 | $2,272 |
| Progressive | $215 | $2,575 |
| The General | $266 | $3,197 |
| Bristol West | $270 | $3,242 |
Cheap full coverage in Washington for a 20-year-old
These are the cheapest car insurance companies in Washington for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $376 | $4,515 |
| Progressive | $480 | $5,759 |
| The General | $654 | $7,851 |
| Bristol West | $676 | $8,108 |
| National General | $1,111 | $13,336 |
Average auto insurance costs for mature drivers in Washington (25-54)
The cost of car insurance typically decreases as drivers age and get more driving experience.
Below are the average costs of car insurance for drivers in Washington between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $236 | $2,830 |
| 35-44 | $190 | $2,283 |
| 45-54 | $169 | $2,030 |
Cheapest liability car insurance in Washington for a 35-year-old
These are the cheapest car insurance companies in Washington for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $32 | $378 |
| Aspire Advantage | $74 | $886 |
| The General | $104 | $1,246 |
| Dairyland | $112 | $1,349 |
| Progressive | $119 | $1,426 |
Cheapest full coverage in Washington for a 35-year-old
These are the cheapest car insurance companies in Washington for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $111 | $1,328 |
| Progressive | $170 | $2,043 |
| The General | $231 | $2,778 |
| National General | $243 | $2,913 |
| Dairyland | $278 | $3,331 |
Average car insurance costs for older drivers in Washington (55+)
For many drivers, car insurance is at its cheapest once they reach their mid-50s and early 60s, though costs can start to rise in their later years. Below are the average costs of car insurance for drivers in Washington aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $154 | $1,854 |
| 65+ | $143 | $1,715 |
Cheapest liability car insurance in Washington for a 65-year-old
These are the cheapest car insurance companies in Washington for 65-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $76 | $908 |
| The General | $89 | $1,069 |
| Dairyland | $92 | $1,105 |
| Progressive | $109 | $1,311 |
| Bristol West | $114 | $1,364 |
Cheapest full coverage in Washington for a 65-year-old
These are the cheapest car insurance companies in Washington for 65-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $91 | $1,095 |
| Progressive | $150 | $1,798 |
| Dairyland | $165 | $1,977 |
| The General | $169 | $2,028 |
| National General | $183 | $2,194 |
Cheapest car insurance in Washington by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or DUI.
Cheap car insurance for drivers with clean records in Washington
These are the cheapest car insurance companies in Washington for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $93 | $1,115 |
| Anchor General | $111 | $1,337 |
| Safeco | $144 | $1,727 |
| Progressive | $144 | $1,731 |
| Trexis | $158 | $1,896 |
Cheapest car insurance with a speeding ticket in Washington
These are the cheapest car insurance companies in Washington for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $89 | $1,072 |
| Aspire Advantage | $119 | $1,425 |
| Safeco | $157 | $1,880 |
| Commonwealth Insurance | $180 | $2,158 |
| Progressive | $224 | $2,688 |
Cheapest car insurance after an at-fault accident with no injury in Washington
These are the cheapest car insurance companies in Washington for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $84 | $1,002 |
| Safeco | $211 | $2,530 |
| Progressive | $215 | $2,579 |
| The General | $228 | $2,739 |
| National General | $230 | $2,756 |
Cheapest auto insurance after an at-fault accident with injury in Washington
These are the cheapest car insurance companies in Washington for drivers with an at-fault accident with injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $221 | $2,647 |
| Dairyland | $226 | $2,718 |
| Progressive | $229 | $2,751 |
| The General | $235 | $2,817 |
| Safeco | $277 | $3,330 |
Cheapest car insurance with a DUI in Washington
These are the cheapest car insurance companies in Washington for drivers with a DUI, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $190 | $2,281 |
| Bristol West | $219 | $2,633 |
| The General | $224 | $2,683 |
| Dairyland | $227 | $2,724 |
| Progressive | $232 | $2,779 |
Average auto insurance costs for Washington drivers with other violations
Below are average car insurance costs in Washington for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $316 | $3,789 |
| Cell Phone | $351 | $4,213 |
| Defective Equipment | $148 | $1,771 |
| Driving on Sus. License | $205 | $2,456 |
| Failure to Obey Traffic Sign | $245 | $2,937 |
Cheapest auto insurance for low credit scores in Washington
Drivers in Washington with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Washington for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $79 | $945 |
| Aspire Advantage | $117 | $1,409 |
| Progressive | $178 | $2,141 |
| The General | $192 | $2,303 |
| Dairyland | $192 | $2,309 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Washington
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Compare: The best car insurance companies
Factors that affect car insurance costs in Washington
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make and model.
- Credit score.
- Claims history.
- Car usage and miles driven.
- Age and gender.
- Deductible amount.
- Employment status and occupation.
- Marital status.
Learn more: How car insurance rates are calculated
Proof of financial responsibility in Washington
Washington drivers must carry a minimum amount of liability insurance, or have another way to show proof of financial responsibility.
Instead of purchasing liability insurance, qualified drivers can apply for a certificate of deposit, which requires a minimum deposit of $60,000 with the Washington Department of Licensing or in a bank account set up for Washington state. Alternatively, drivers can get a liability bond for a minimum of $60,000. The bond must be filed by a state-authorized surety bond company.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
