How to find the cheapest car insurance quotes in Washington

Let’s get real: no single insurance company can guarantee the absolute lowest rate for every driver in Washington. The diversity among drivers in this region means that premiums will vary accordingly.

So, you need to shop around and compare rates to find the best car insurance for your unique driver profile and coverage needs.

Jerry has helped a lot of Washington drivers with affordable car insurance, as you can see below.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
The General	$91	Sue, 38, Woodland, WA	Toyota Highlander Base	State Minimum	Yes
The General	$109	Marcus, 40, Tacoma, WA	Chevrolet Spark Ls	State Minimum	No
The General	$426	Essie, 20, Seattle, WA	Tesla Model 3	State Minimum	No
Progressive	$83	Georgia, 50, Port Angeles, WA	Dodge Ram 3500 Slt	100/300	Yes
Dairyland	$195	Willie, 83, Custer, WA	Kia Sportage Ex	50/100	Yes

Last Updated Jan, 2025

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Cheapest car insurance companies in Washington

Finding cheap car insurance can be a battle, but we’ve equipped Washington drivers with a ton of data. Our surveys cover everything from the factors that affect your rates to the hacks you can use to save money.

The data reveal . . . there’s not actually a single winner! There’s no “best” company for the majority of Washington drivers. However, there are some clear trends.

For the average driver, Pemco and USAA offer the cheapest rates shortly followed by GEICO and State Farm. Note that USAA is only for military members and their families. The most popular auto insurance companies in the Evergreen State also include Progressive, American Family, Allstate, and Farmers.

Let’s look at reviews of insurance providers from real Washington drivers.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Allstate	October 31, 2024	5	“THEY SETTLED MY CLAIM AND MADE THE PROCESS QUICK AND EASY FOR ME” -Christian
The General	October 31, 2024	5	“They have been good just need something lower in rate” -Dennis
Bristol West	October 20, 2024	5	“I’ve had an excellent experience “ -Etta
Dairyland	October 20, 2024	3	“I have an awesome driving record; not only have they Never offered me a discount for my clean driving record, they ha…(read more)” -Elva
DirectAuto	October 18, 2024	5	“They have been good to me! “ -Francis

If you want to compare multiple providers quickly and painlessly, use a car insurance comparison app or website.

Jerry is a trusted insurance agency with a user-friendly app for motorists, which can be used to obtain fast and free quotes and explore various options for car insurance coverage.

Minimum car insurance requirements for liability and full coverage in Washington

To help you navigate car insurance shopping, try a comparison app like Jerry.

The hardest part of finding a policy is comparing coverage quotes and costs. Instead of pulling up a ton of tabs and researching minimum coverage requirements, Jerry’s user-friendly app gives dedicated support to Washington drivers.

Cheapest minimum liability coverage in Washington

Let’s take a closer look at the liability auto insurance coverage in Washington:

• $25,000 per person of bodily injury liability coverage
• $50,000 per accident of bodily injury liability coverage
• $10,000 per accident of property damage liability

Washington state law requires all drivers to have this coverage.

Jerry has helped a lot of Washington drivers find cheap liability coverage—check it out.

Do you need more than the minimum liability insurance coverage in Washington?

Choosing 30/60/20 coverage won’t break any laws, but higher limits provide better protection in an accident.

Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Washington’s minimum coverage may not cover all these expenses, leaving you financially liable.

It’s wise to get as much liability coverage as you can afford, and the added protection may not be as costly as you think.

The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.

Cheapest full coverage Washington auto insurance quotes

Full coverage is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.

A full coverage policy includes comprehensive and collision coverage.

Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.

Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail , vandalism, or theft—this coverage will kick in.

Be aware that you might be required to have full coverage if you own a financed vehicle. Lenders wish to protect their investment, so they can require this extra coverage. If this is you, check with your lender before you start shopping for insurance.

Take a look at real costs for full coverage in Washington.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	Yes	The General	$91	Sue, 38, Woodland, WA	Toyota Highlander Base
State Minimum	No	The General	$109	Marcus, 40, Tacoma, WA	Chevrolet Spark Ls
State Minimum	No	The General	$426	Essie, 20, Seattle, WA	Tesla Model 3
100/300	Yes	Progressive	$83	Georgia, 50, Port Angeles, WA	Dodge Ram 3500 Slt
50/100	Yes	Dairyland	$195	Willie, 83, Custer, WA	Kia Sportage Ex

Last Updated Jan, 2025

Average rates for minimum liability coverage and full coverage car insurance in Washington

For about $113 per month or $1,361 per year, you can get the basic liability coverage in Washington. $199 per month is the average cost of full coverage insurance in Washington—about double.

Average rates can help you get a better idea of what to expect with rates. However, there’s no such thing as the “average” Washington driver. Your rate will be entirely unique to your driver profile.

Other types of Washington auto insurance

If you want more protection than the basic coverage, you can opt for extra add-ons. Here are some of the most valuable coverages available to Washington drivers:

• Towing and labor coverage
• Uninsured or underinsured motorist coverage
• Rental reimbursement coverage
• New car replacement insurance
• Personal injury protection (PIP)
• Medical payments (MedPay)

Financed your car? Gap insurance can cover the gap between what you owe and what you’re paid out, in the event of a total loss.

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Learn more: Types of insurance

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Car insurance premium by rating factors

In the past, companies could not use your credit score to determine your car insurance premium in Washington. However, that law was overturned in 2022 and credit score can now be considered. Here are some of the key factors that affect your rates:

• Your driving record and claims history: If you’ve gotten into accidents or received tickets in the past, car insurance companies will charge you higher rates.
• Your credit score: Poor credit applicants (under 600) will pay much more for insurance than people with good credit (over 750) who get the best rates.
• Zip code: Each neighborhood has its own risk profile, including auto theft rates, traffic accident rates, and weather patterns.
• Your make and model: You’ll pay more to insure sports cars, performance models, and luxury vehicles.
• Usage: Frequent commuters will pay more for coverage.

How to find cheap Washington car insurance if you’re a high-risk driver

Driving violations not only result in fines and legal consequences but can also impact your insurance premiums. Accumulating a significant number of violations on your record categorizes you as a high-risk driver. While it is still possible to obtain coverage, it’s important to note that your policy will likely be more expensive compared to that of an average driver.

Cheapest car insurance for Washington drivers with a speeding ticket

If you exceed the speed limits in Washington, you will face penalties based on the extent to which you were over the speed limit. The fines for speeding increase with each mile over the limit, and reckless driving incurs exceptionally high fines as well.

Speeding tickets can significantly impact insurance rates for drivers in Washington. But you can still find affordable coverage even if you have a speeding ticket on your record.

Here’s how we have successfully helped other Washington drivers in similar situations.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	The General	$91	Sue, 38, Woodland, WA	State Minimum	Yes
Speeding 1-5	Progressive	$107	Isabelle, 28, Marysville, WA	State Minimum	Yes
Speeding 1-5	The General	$100	Roy, 42, Olympia, WA	State Minimum	No
Speeding Violation-Major	Progressive	$211	Harvey, 31, Vancouver, WA	State Minimum	Yes
Speeding 1-5	Progressive	$650	Daniel, 33, Bothell, WA	State Minimum	Yes

Last Updated Jan, 2025

How to find cheap Washington auto insurance after a DUI

A DUI conviction will definitely lead to a significant increase in your insurance rates. It’s possible that certain insurance companies may decline coverage altogether.

We understand that navigating the process of finding insurance after a DUI in Washington can be complex.

Jerry has helped numerous Washington drivers with DUI convictions. Here’s a look at rates for these drivers.

Washington SR-22 insurance

In Washington, if you engage in highly risky driving behavior, the state may require you to demonstrate your responsibility to drive again.2 This involves obtaining an SR-22 form from an insurance company. The SR-22 is a proof of financial responsibility, which the insurance company files on your behalf.

There’s a small fee for the SR-22 form—plus increased insurance costs.

You may need an SR-22 insurance in Washington if one of these situations applies to you:

• You were convicted of a DUI or DWI.
• You were at-fault in a serious car accident.
• You participated in a hit-and-run.
• You were convicted of reckless driving.
• You were caught driving without insurance.

How to find cheap car insurance in Washington after an at-fault accident

Causing an accident is an indication to insurance companies of increased risk. However, it’s important to remember that you still have options for finding a favorable insurance rate, even with an at-fault accident on your Washington record.

Below, you can see real rates for Washington drivers with at-fault convictions on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
At Fault With No Injury	The General	$293	Larry, 37, Kent, WA	State Minimum	Yes
At Fault With Injury	The General	$399	Alvin, 30, Mead, WA	State Minimum	No
At Fault With No Injury	Progressive	$211	Harvey, 31, Vancouver, WA	State Minimum	Yes
At Fault With No Injury	Bristol West	$535	Calvin, 35, Kent, WA	50/100	Yes
Not At Fault	The General	$56	Mason, 45, Centralia, WA	State Minimum	No

Last Updated Jan, 2025

Cheapest auto insurance after other violations in Washington

Even a minor violation such as tailgating can have an impact on your car insurance rates in Washington.

To better understand how common traffic violations in Washington can affect your car insurance rates, check out the

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Other Minor	Bristol West	$201	Alexander, 32, Seattle, WA	State Minimum	No
Other Minor	Progressive	$73	Floyd, 31, Ridgefield, WA	State Minimum	Yes
Improper Passing	The General	$173	Luke, 34, Tacoma, WA	State Minimum	No
Improper Passing	Progressive	$59	Cole, 29, Shelton, WA	State Minimum	No
Cell Phone	Progressive	$121	Isabel, 47, Elma, WA	State Minimum	Yes

Last Updated Jan 22, 2025

How to find cheap Washington car insurance based on your insurance history

Maintaining consistent car insurance coverage is essential to avoid any red flags on your record. Companies take note of any lapses in coverage, which typically result in increased premiums.

With Jerry, you can enjoy the advantage of regular reminders to prevent coverage gaps. We also assist individuals who have experienced lapses in finding coverage again, just like the Washington drivers showcased here.

How to find cheap Washington car insurance with a low credit score

Data shows that individuals with poor credit tend to file more insurance claims. Consequently, if your credit score falls below 600, it is likely that you’ll pay a higher rate for coverage in Washington.

To gain insights into the insurance premiums paid by drivers with poor credit in Washington, here’s a glimpse into some real figures.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
<550	The General	$91	Sue, 38, Woodland, WA	Toyota Highlander Base	State Minimum	Yes
660-750	The General	$426	Essie, 20, Seattle, WA	Tesla Model 3	State Minimum	No
660-750	Progressive	$83	Georgia, 50, Port Angeles, WA	Dodge Ram 3500 Slt	100/300	Yes
660-750	Dairyland	$195	Willie, 83, Custer, WA	Kia Sportage Ex	50/100	Yes
550-659	The General	$293	Larry, 37, Kent, WA	Hyundai Sonata Sel	State Minimum	Yes

Last Updated Jan, 2025

How to find cheap auto insurance in Washington for your age

Older drivers may face increased risks in the event of an accident, while younger drivers and those with provisional licenses often have limited experience on the road. If you fall into the age range of under 25 or over 75, it is likely that you will incur higher premiums for coverage in the state of Washington.

The best car insurance companies in Washington for young drivers

Teen drivers in Washington under the age of 19 tend to face the highest insurance costs. This emphasizes the importance of considering full coverage, particularly for young drivers operating newer vehicles.

Real rates are the best source of information, so check out these young drivers and their rates.

The best car insurance companies for senior drivers in Washington

Seniors pay higher costs for car insurance, primarily due to their increased vulnerability to serious injuries in the event of a car accident. Car insurance companies take this into consideration when determining coverage rates for older drivers.

How to find car insurance discounts in Washington for your motor vehicle

Your make and model is a big factor when it comes to car insurance. So, let’s take a look at
Here are some of the most popular vehicles in Washington:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Honda Civic Ex	Progressive	$208	Josephine, 32, Bremerton, WA	State Minimum	Yes
Honda Civic Lx	Dairyland	$274	Derek, 41, Everett, WA	50/100	Yes
Honda Civic Lx	The General	$349	Brandon, 25, Vancouver, WA	State Minimum	Yes
Ram 1500 Slt	Progressive	$111	Lucille, 31, Oak Harbor, WA	State Minimum	No
Honda Civic Lx	Progressive	$384	Dollie, 20, Tacoma, WA	State Minimum	Yes

Last Updated Jan 20, 2025

Is it cheaper to insure a new car or a used car?

In general, insuring a car that is older than 10 years can lead to significant savings. However, if you have your heart set on driving a brand new car, it’s important to be aware that premium rates will reflect the value of the vehicle.

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Learn more: How to get car insurance before buying a car

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How to find cheap car insurance in Washington in your city

Insurance premiums take into account various factors, including your zip code. Each neighborhood has its own distinct risk profile, considering factors such as traffic accident rates and crime statistics. Therefore, you can expect insurance rates to vary between different locations. For instance, a driver in Spokane faces different risks than a driver in Seattle.

Here are some real rates from Jerry drivers across the state of Washington.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Woodland, WA	Sue	The General	$91	Toyota Highlander Base	State Minimum	Yes
Tacoma, WA	Marcus	The General	$109	Chevrolet Spark Ls	State Minimum	No
Seattle, WA	Essie	The General	$426	Tesla Model 3	State Minimum	No
Port Angeles, WA	Georgia	Progressive	$83	Dodge Ram 3500 Slt	100/300	Yes
Custer, WA	Willie	Dairyland	$195	Kia Sportage Ex	50/100	Yes

Last Updated Jan, 2025

How to lower the cost of car insurance in Washington

Washington drivers can take advantage of these valuable tips to maximize their savings and find the cheapest option:

• Regularly compare quotes from different providers.
• Inquire about available car insurance discounts, like the safe driver discount.
• If your budget permits, consider raising your deductible.
• Bundle your car insurance with homeowners or renters to enjoy additional savings.
• Reduce your coverage limits, if it makes sense for your situation.
• For older vehicles, consider dropping collision and comprehensive coverage.
• Review your auto insurance policy for any duplicate coverages.

Why is car insurance so expensive in Washington?

Compared to the national average, car insurance in Washington is generally more affordable—even though the cost of living is higher than the national average. Sweet!

Here are some factors that affect insurance prices in WA:

• Low number of fatal crashes
• Low population density
• Mild weather patterns

Of course, if you live in an area of the state with extreme weather, lots of crashes, or a dense population, your rate might be higher than the Washington average.