Car Insurance in Washington

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  • How Much is Car Insurance in Washington?
  • Real Quotes for Jerry Customers in Washington
  • The Cheapest Car Insurance in Washington
  • Most Popular Insurance Companies in Washington
  • Cost to Insure Different Cars in Washington
  • Car Insurance Laws in Washington
  • Car Registration Information in Washington
Looking for car insurance in Washington? Here you’ll find all the information you need on driving a car in The Evergreen State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Seattle or Spokane, Tacoma or Vancouver — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Washington car insurance.

How Much is Car Insurance in Washington?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Washington, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Washington pay ${averageAnnualPremium} each year for car insurance. This means drivers in Washington pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Washington? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Washington, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Washington

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
January 2, 2021
  • Nissan 370z
29 year old maleEncompass$118.42$21.58Preferred
March 8, 2021
  • Kia Soul
35 year old femaleProgressive$110.33$58.67Preferred
March 23, 2021
  • Toyota Tacoma Double Cab
  • Nissan Sentra S
36 year old femaleNational General$105.08$112.81Basic
February 12, 2021
  • Chevrolet Equinox Ls
28 year old maleEncompass$129.50$155.50Preferred
March 6, 2021
  • Toyota C-hr Xle
27 year old femaleProgressive$149.33$25.67Preferred

The Cheapest Car Insurance in Washington

Which companies offer cheap car insurance in Washington? Below, we’ve ranked Washington car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Washington for Basic Coverage

There’s all kinds of auto insurance you can get in Washington, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Washington. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Washington, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Washington

Filters
RankCompany nameAvg. Annual Premium
1National General$955
2Progressive$957
3Safeco$1,010
4Allstate$1,039
5Dairyland$1,164
6Kemper$1,179
7Bristol West$1,234
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Real Jerry Quotes for Basic Coverage in Washington

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
April 4, 2021
  • Toyota Prius Prime
22 year old maleAllstate$70.55$239.45
February 6, 2021
  • Volkswagen Gti
  • Tesla Model X
  • Cadillac Xts Luxury Collection
  • Bmw M340xi
  • Cadillac Escalade Platinum
  • Subaru Wrx Sti
22 year old maleAllstate$170.40$39.60
January 11, 2021
  • Toyota Prius
23 year old maleKemper$57.67$165.33
March 30, 2021
  • Toyota Corolla L
28 year old maleProgressive$54.50$235.50
February 25, 2021
  • Honda Cr-v Exl
  • Lexus Gx
31 year old maleBristol West$118.83$32.64

Average Cheapest Car Insurance for Standard Plans in Washington

Most drivers will want more than the basic minimum coverage that Washington requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Washington, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Washington

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,518
2Kemper$1,627
3Encompass$1,699
4Safeco$1,723
5Travelers$1,724
6Nationwide$1,804
7Allstate$1,927

Real Jerry Quotes for Standard Coverage in Washington

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
March 30, 2021
  • Volkswagen Jetta Se
53 year old femaleSafeco$94.33$299.67
February 25, 2021
  • Nissan Pathfinder Le
52 year old femaleProgressive$74.83$110.17
February 9, 2021
  • Nissan Juke S
29 year old maleEncompass$77.58$22.42
April 3, 2021
  • Toyota Corolla L
34 year old femaleSafeco$94.41$60.59
March 24, 2021
  • Acura Rsx Type-s
39 year old maleProgressive$122$38

Cheapest Car Insurance in Washington for Preferred Coverage

Preferred coverage protects Washington drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Washington, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Washington

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,675
2Safeco$1,843
3National General$1,854
4Encompass$1,926
5Travelers$1,930
6Nationwide$2,147
7Allstate$2,442

Real Jerry Quotes for Preferred Coverage in Washington

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
March 16, 2021
  • Buick Verano
45 year old femaleNationwide$113.83$73.17
February 28, 2021
  • Nissan Kicks S
30 year old femaleEncompass$165.08$23.92
February 26, 2021
  • Chevrolet Avalanche C1500
52 year old maleProgressive$97.67$164.33
April 7, 2021
  • Kia Optima Hybrid
43 year old femaleSafeco$134.29$15.71
February 19, 2021
  • Toyota Yaris L
25 year old femaleProgressive$107.50$54.50
Insurance companyAverage annual premium in Washington
Progressive$1,568.55
National General$1,757.53
Bristol West$1,624
Travelers$2,293.40
Safeco$2,242.12
Nationwide$1,967.79
Kemper$1,788
Encompass$2,188

Cost to Insure Different Cars in Washington

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Washington drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Washington. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
March 16, 2021
  • Gmc Yukon Xl K1500
28 year old maleProgressive$78.67$103.33Preferred
January 18, 2021
  • Toyota Prius
23 year old femaleProgressive$73.83$96.17Basic
March 2, 2021
  • Toyota Corolla L
32 year old maleProgressive$107.17$15.33Preferred
January 14, 2021
  • Ford Ranger
21 year old maleKemper$97$133Basic
March 17, 2021
  • Honda Civic Lx
22 year old maleProgressive$225.67$94.33Preferred
March 4, 2021
  • Audi A4 2.0t Quattro
25 year old maleNationwide$144.62$128.38Preferred
February 2, 2021
  • Ford Ranger Xlt
21 year old maleSafeco$159.76$143.92Standard

Car Insurance Laws in Washington

If you’re looking for a state where you’ll have an easy commute, Washington is not it. The Evergreen State is ranked third worst for drivers based on an incredible number of vehicles on the road per capita, poor road conditions, and the time spent behind the wheel during a commute. Consequently, Washingtonians have a higher than average rate of car insurance claims, driving their insurance rates up above most other states.
The Department of Licensing assigns a minimum amount of insurance required by residents in Washington, not to mention mandatory vehicle registration. Here’s what you need to know about both processes.

What Car Insurance Is Required by Law in Washington?

Driving a vehicle in Washington requires registration for your vehicle, but you cannot legally get behind the wheel until you insure your car. There are two types of mandatory coverage that your proof of insurance or proof of financial responsibility clearly identifies: Bodily Injury Liability (BIL) and Property Damage Liability (PDL).
In Washington, an at-fault state, the driver who is to blame for a car accident is responsible for the financial costs for all other parties involved. It’s different from a no-fault state where each individual claims damages against their own insurance policy. Here, an at-fault driver who doesn’t have sufficient coverage to cover all the expenses from an accident can be sued by the other driver.
BIL coverage is a mandatory component for all vehicles in the state. If you cause a motor vehicle accident, it compensates the other parties for any medical bills and related expenses. As an example, someone with a broken leg could have their ambulance transportation, doctor’s exams, prescriptions, and even their lost wages paid by the insurer, within the policy limitations.
In a similar way, PDL coverage pays for third-party property damage. That can be almost anything aside from injuries: damage to other vehicles, building repairs, repairs to city or state property or utilities, and the like.
Because Washington is not a no-fault state, Personal Injury Protection (PIP) is not mandatory coverage, although insurers are required to offer it. PIP insurance would compensate the policyholder, whether at fault or not, for injuries they sustain in the accident, just like BIL. Other optional coverages include uninsured motorist coverage, comprehensive coverage, and collision coverage.

Can You Drive a Car without Insurance in Washington?

All drivers are required to obtain at least the minimum coverage of car insurance set out by the Department of Licensing. If a driver doesn’t have satisfactory proof of insurance when requested by law enforcement, they could be fined $550 or more. Getting into a collision when uninsured could result in having your license suspended should you fail to pay the required compensation.
If convicted of driving a vehicle without insurance, you may be required to obtain proof of financial responsibility to keep your driver’s license and registration valid. Proof of financial responsibility could be an SR-22 certificate, a certificate of deposit for at least $60,000, or a liability bond of $60,000 or more; these ensure law enforcement that you have a way to pay for damages that could occur while driving. Not all insurers in Washington offer an SR-22, and while the form itself is a small cost around $15, your insurance premiums are bound to be elevated if you are required to carry one.

What Are the Minimum Car Insurance Requirements in Washington?

Washington, like almost all other states, requires that all drivers have a minimum amount of car insurance coverage, intended to keep themselves and others protected against the high costs of injuries and property damage in a car accident. To legally drive in Washington, these are the minimum coverage amounts permitted by the state.
Minimum Insurance Requirements in Washington
  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability per accident: $10,000

Car Registration Information in Washington

Car insurance is mandatory, but so is registering a car in Washington. Before you can take your car on the road, you must make sure you register your vehicle. If you’re new to the state, you have 30 days to get your driver’s license, get a WA title, and register your vehicle.
For your initial registration in Washington, your requirements depend on a few things, such as your vehicle age, your vehicle weight, and the vehicle type. Call the vehicle licensing office to determine the initial registration fees and requirements for your situation. You can submit the forms by mail or by visiting a vehicle licensing office in person.
In-person applications will receive license plates immediately, while mailed applications may take up to three weeks for plates to arrive. Tabs will also be issued that need to be installed on your license plate, indicating your registration expiry. You’ll also receive a registration card for your specific vehicle identification number (VIN), license plate, and name.
Renewing your registration, also known as renewing your tabs in Washington, can be done online by logging into your License eXpress account. You can also visit a DOL office in person to renew your registration. To find out the cost to renew your tabs, use the online Vehicle Tab Estimator tool.
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