Compare Best Cheap Car Insurance Quotes in Washington, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of basic liability car insurance in Washington is $2,467 per year. Opting for full-coverage car insurance in Washington will leave you with an average cost of $3,073 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Best Car Insurance Companies in Washington

If you’re looking for insurance companies in Washington, you won’t have to look very hard. There are plenty of insurers offering reliable coverage. While State Farm, GEICO, and Progressive are some of the top picks, you’ll want to explore your options to find the best company for you.
Insurers set premiums based on a multitude of factors, but they all weigh those factors a little differently. This means that requesting quotes from three different insurance companies will probably get you three very different rates—even for the same coverage.
With Jerry, you can shop from over 50+ top insurance companies in under a minute, including Nationwide, State Farm, and more. Don’t be stuck with one carrier when you move—know that you have options with Jerry. We’ll help you find the best rates and a policy that meets your needs.

Compare Best Car Insurance Costs in Washington

Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy.
All you need to do is answer a few short questions and Jerry will generate competitive rates from more than 50 top providers. After you tailor your policy options and make your pick, Jerry takes care of the rest—switching you to your new policy, helping to cancel your old one, and sending you new quotes before every renewal. Here are some real quotes and savings from customers in Washington who switched with Jerry:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
September 25, 2022Dodge Stratus SXTSpokaneRicky M.35Bristol West$96/mo.$77/mo.
September 19, 2022Chevrolet Cruze Limited LTPascoFrancisco M.30Progressive$130/mo.$103/mo.
September 27, 2022Subaru Legacy 2.5I PremiumSnoqualmieElla G.36Allstate$298/mo.$185/mo.
September 12, 2022Ford Expedition Eddie BauerRedmondTheodore T.30Allstate$265/mo.$243/mo.
October 1, 2022Nissan Sentra SRentonAlan L.28Progressive$358/mo.$259/mo.
22 people from Jerry switched with Jerry to Mercury in the past 14 days.
Last updated 2 hours ago
Leroy from Lake Forest Park switched with Jerry to Dairyland and saved $764
2 hours ago
Jesus from Ione switched with Jerry to Encompass and saved $943
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How much does car insurance cost in Washington?

Why is insurance so expensive in Washington? Here are the top contributing factors: high theft rates, high numbers of uninsured drivers, and severe weather leading to more accidents all contribute to more comprehensive claims.
But that doesn’t mean affordable insurance is impossible to find! The car insurance comparison and licensed broker app Jerry is your best bet for finding great insurance rates without any of the usual hassles.
Jerry compares rates from dozens of top insurance providers to find you the best deals. And once you make your pick, Jerry handles all the paperwork, calls, and even cancels your old policy so that you don’t have to worry about it.
 Here’s a rundown of what you need to know about car insurance in New Jersey.
The graph below breaks down what goes into your car insurance costs in Washington, depending on whether you’ve gone with full-coverage insurance or just purchased the minimum amount required by Washington law.
Washington drivers are required to carry liability insurance. The minimum coverage requirements are as follows: $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $10,000 of coverage for property.
Washington only requires liability insurance, which protects other drivers (and your wallet!) in the event of a crash. Full-coverage insurance, on the other hand, includes comprehensive and collision insurance, which will pay for your medical expenses and repairs due to a range of incidents, from car theft to a collision.
Take a look at the graph below to understand how much you’re paying for each.

Why is full coverage insurance so expensive in Washington?

Best car insurance for bad drivers in Washington

Drivers who have gotten into an accident, received a speeding ticket, or 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.

Car Insurance Cost by Violation Type:

Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,458$774
Suspension$7,740$2,977
Illegal Turn$3,325$1,853
Driving on Sus. License$4,512$1,711
Failure to Obey Traffic Sign$4,094$1,347
DUI$3,305$1,344
Speeding over 15$4,007$1,186
Speeding under 15$3,332$1,051
Defective Equipment$2,900$1,024
Leaving scene of an Accident/Hit and Run$2,308$925

Washington Driving Violation FAQ's

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Insurance Cost With a DUI in Washington
If you get a DUI in Washington, you can expect your car insurance to increase by an average of $50.83 each month.
Read Washington DUI Information:
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Insurance Cost With a Reckless Driving Citation in Washington
If you receive a reckless driving citation, you can expect your insurance to rise to an average of $45.00 per month.
Read Washington Reckless Driving Information:
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Ticket Costs in Washington
Tickets in Washington can cost between $30-$300. A ticket in Washington could negatively impact your insurance rates.
Read Washington Speeding Ticket Information:
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DUI Arrest Rates in Washington
Washington has a DUI arrest rate of 468 drivers per 100,000 people, which is above the national average.
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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. Studies show that age has a correlation with 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.

Affordable car insurance in Washington for young drivers:

Male drivers between the ages of 25 and 34 rank as having the highest risk for fatal accidents. Washington ranks 9th for teenage driver safety. Regardless of ranking, nothing protects young drivers better than the proper insurance.
Young drivers also have higher rates than their more experienced counterparts, but by applying for discounts, shopping around, and maintaining a clean driving record, drivers under 25 can save money on car insurance.
If you’re a driver under 25 in Washington, you could be paying much more per month than an adult driver. These are average rates for Jerry customers in Washington broken down by age.

Cost to insure your car in Washington by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in dense cities like Seattle 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.
Here’s what Jerry users pay for car insurance in a number of cities in Washington:
City
Average Cost
Annual Savings with Jerry
Auburn$2,590$772
Bellevue$2,245$767
Everett$2,256$789
Kent$2,287$695
Puyallup$2,659$947
Seattle$2,606$890
Spokane$2,138$773
Spokane Valley$2,441$963
Tacoma$2,445$855
Vancouver$2,462$913

Washington City Car Insurance FAQs:

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Least Expensive Cities in Washington
Richland is the least expensive city in Washington for car insurance. Annual car insurance costs in Richland will cost you an average of $890.
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City with Highest Rates of Accidents in Washington
Renton has the highest accident rates in Washington with 14.16% of drivers having a prior at-fault accident already on their record. More accidents means higher policy rates.
Read Washington Accident Information:
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Cities with the Longest Commute Times in Washington
Hansville has the longest commute time in Washington with drivers seeing an average commute of 45.9 minutes. Traffic in the area may have an impact on your rates.
Read Commuting Insurance Information:

Cost to insure your model car in Washington

Though a Jeep Wrangler Rubicon 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 Honda 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.
Car
Average Cost
Annual Savings with Jerry
Tesla Model 3$2,932$817
Toyota Corolla L$2,199$772
Kia Optima LX$2,489$752
Honda Civic LX$2,110$744
Honda Accord LX$1,947$740
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Best Fuel Efficient Non-Hybrid Vehicle Washington
The Mitsubishi Mirage offers a competitive 39 mpg between highway and city. If you want a fuel efficient non-hybrid, the Mirage is a great choice.
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Least Expensive Car to Maintain Washington
One of the most cost-effective cars to maintain over the course of ten years is the Toyota Prius. With a 10-year maintenance cost of $4,000, the Prius is very budget friendly.
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Most Expensive Car to Maintain Washington
With ten-year costs totalling over $15,000, the BMW X1 is one of the most expensive cars to maintain.
Read more about your BMW X1:

What are the car insurance requirements in Washington?

Most states have minimum insurance requirements that you must meet to hit the road.
Drivers in Washington need a minimum of $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $10,000 of coverage for property.
In the event you are pulled over, it is important that you have proof of insurance, registration and your drivers license readily available. Proof of insurance is also necessary for vehicle registration.
No, Washington is not a no-fault state. Washington is an at-fault state, which means that when you are involved in an accident, liability is assigned to the driver who is “at-fault.” Partial liability may be given to both parties, too. Liability insurance will then be taken from the at-fault party to pay for the expenses.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
  • Liability coverage
  • Uninsured/underinsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Considering these risk factors, here are some additional coverages that would serve drivers in Washington well:
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Washington is ranked 37th for least traffic which is pretty good when compared to other states. Make sure your commute is as stress-free as possible with proper collision coverage.
Read more about Washington Traffic:
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Washington had approximately 27,399 residents reporting stolen cars in 2020. Be ready for theft by protecting your car.
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21.70% of drivers in Washington are underinsured or uninsured. Having uninsured/underinsured coverage can help in the event you run in one of the 21.70%.
Read information about uninsured drivers:
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Washington residents rate the state a 5.73/10 for road quality. Roadside assistance is a good way to combat any bad roads you may come across.

How to save money on car insurance in Washington

There are several ways to lower your insurance costs without sacrificing coverage in Washington.

Shop around for quotes

Shopping around is the best (but not always the easiest!) way to find lower rates. Using an app like Jerry makes it effortless. 
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You just need to sign up and answer a few questions, and then Jerry gathers quotes from dozens of insurance companies in your area to find the best deals. Once you pick a policy, Jerry will finalize all the details and even help cancel your old one.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Most insurance companies have a wealth of discounts available to policyholders. And if you qualify for more than one, they might even let you stack them for increased savings.
Here are some of the most popular ones for drivers in Washington:
Clean Driving Record Discounts
Having a clean driving record can set you ahead of your peers. If you drive safely and have little to no prior claims, your carrier will reward you with reduced prices.
Bundling Discounts
Car insurance customers who also get multiple insurance policies with the same carrier can get a bundling discount.
Defensive Driving Course Discounts
If you’re 50+ years old and have taken a defensive driving course or are interested in taking one, you can qualify for additional savings.
Continuously Insured Discounts
Keeping a policy consistently over a six month period means that you can qualify for reduced rates in Washington.

Increase your deductible

Increasing your deductible—the amount you pay before insurance—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. However, it’s important to make sure that you can afford to pay the full deductible each time you would need to file.
Here's what you need to know about
car insurance in Washington:
  • Washington requires $205 more in coverage than the national average
  • Using Jerry can save you an average of $887 on their insurance
  • Keep in mind any insurance discounts that your state offers
  • Drivers in Washington need a minimum of $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $10,000 of coverage for property

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