Car Insurance in Washington

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Looking for cheap car insurance in Washington?

Washington is known for its rugged scenery and evergreen forest, but it isn’t known for having the cheapest car insurance rates.
Whether you live in Seattle, Spokane, or anywhere in between, every provider uses a different formula for calculating your rates. Shopping around is the best way to save money, but there’s no need to fill out endless online quotes when you use Jerry.
Once you download the app, all you have to do is answer a few short questions for a comprehensive list of top providers in your area. Take your pick and let Jerry switch you over to your new provider. Jerry will even send new quotes when your policy is up for renewal, so you can rest assured that you’re always getting the best prices with none of the work.
Here are some real quotes from customers in Washington who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
August 15, 2021Volkswagen Jetta WolfsburgBothell46Bristol West$115/mo.$80/mo.
June 12, 2021Dodge DurangoVancouver25Progressive$167/mo.$84/mo.
October 8, 2021Kia Forte LXVancouver27Safeco$180/mo.$110/mo.
June 23, 2021Chevrolet Trailblazer SsBothell25Allstate$250/mo.$118/mo.
May 10, 2021Chevrolet Impala LSSpokane22Kemper$213/mo.$149/mo.
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How much does car insurance cost in Washington?

The average cost of liability-only car insurance in Washington is $2,093 per year. If you prefer to buy full coverage car insurance in Washington, you can expect to pay an average cost of $2,299 per year.

How does the annual cost in Washington compare to the rest of the country?

On average in the U.S., it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
Why is insurance so expensive in Washington? Here are the top contributing factors:
  • High theft rates
  • High number of uninsured drivers
  • Severe weather leading to more accidents
Here’s how Washington’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
WA$2,304$1,597$2,631$1,334$2,316$1,796
National Average$2,491$1,672$2,359$1,390$2,763$1,962
WANational Average
All Coverage Before Jerry
$2,304$2,491
All Coverage After Jerry
$1,597$1,672
Minimum Coverage Before Jerry
$2,631$2,359
Minimum Coverage After Jerry
$1,334$1,390
Full Coverage Before Jerry
$2,316$2,763
Full Coverage After Jerry
$1,796$1,962
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Top auto insurance providers in Washington

Washington residents have plenty of reliable insurance carriers to choose from, including top companies like State Farm, GEICO, PEMCO, and Progressive.
If you get quotes in Washington for the same car from multiple carriers, you’ll end up with a mixture of rates. That’s because each carrier uses its own formula to determine the risk presented by drivers.
There are many factors that are used to determine your risk profile. Some of the most common include your age, your driving record, and yes, your location.
For example, in Washington, one carrier may see a lot of claims for car theft and vandalism in your specific geographic area. This would likely lead to higher premiums for residents in that area.
Some of the most popular carriers in Washington include the following:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$3,237$1,241Compare Prices
Nationwide$2,996$967Compare Prices
Dairyland$4,176$921Compare Prices
Allstate$2,524$830Compare Prices
National General$3,061$817Compare Prices
Safeco$2,614$792Compare Prices
Travelers$2,373$563Compare Prices
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What car insurance do you need in Washington?

Washington drivers are required to carry liability insurance. The minimum coverage requirements are as follows:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentHelps cover any medical bills or other costs associated with injuries you cause to others
Property damage liability$10,000 per accidentHelps covers the cost associated with damage you cause to vehicles or property that belong to other people
Washington requires drivers to have car insurance so they can assume financial responsibility for injuries and damages in the event of a collision.
If you let your coverage lapse, or if you fail to buy car insurance altogether, potential consequences include:
  • An expensive ticket
  • A driver’s license suspension
  • A towed and impounded car
  • A lack of financial protection if you get into an accident
While you may think having the minimum required liability coverage in Washington is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Here are some additional types of coverage you may want to consider:
CoverageDescription
Collision coverageHelps cover any damages to your vehicle if you get into a collision with someone else’s vehicle or another object
Comprehensive coverageHelps cover damage to your car from something other than a collision, such as contact with animals, natural disasters, fire, vandalism, theft, and fallen objects
Uninsured motorist coverageHelps cover any damages resulting from an accident caused by an uninsured driver
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.

How is your cost of car insurance determined in Washington?

Insurance companies take a number of factors into account when calculating your premium, including your age, driving record, zipcode, and the type of vehicle you drive.

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 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.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry users pay by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,976$942
21-24$2,574$878
25-34$2,521$843
35-44$2,433$828
45-54$2,298$932
55-64$1,949$645
65+$1,720$461
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Cost to insure your car in Washington with a poor driving record

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.
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,585$824
DUI$7,915$4,062
Failure to Obey Traffic Sign$5,686$2,305
Speeding over 15$5,081$1,797
Leaving scene of an Accident/Hit and Run$3,612$1,330
Careless Driving$4,099$1,249
Driving on Sus. License$2,784$1,088
Speeding under 15$3,383$969
Improper Passing$2,960$799
Defective Equipment$4,303$477
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Cost to insure your car in Washington based on where you live

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
Bellevue$2,400$718
Everett$2,672$999
Kent$2,547$814
Lynnwood$2,739$837
Redmond$2,127$688
Renton$2,366$718
Seattle$2,790$781
Spokane$2,189$790
Tacoma$2,548$857
Vancouver$2,572$929
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Cost to insure your car in Washington based on the type of car you drive

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.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Infiniti G35$3,000$1,108
Tesla Model 3$2,399$764
Audi A3 Premium Plus$3,280$739
Toyota Prius$2,567$738
Ford Fusion Hybrid$1,560$564
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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

The best way to find savings on your car insurance is to compare quotes from several insurance companies. Want to find out if you’re overpaying? Let Jerry do the work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Answer just a few easy questions and let Jerry handle all the hard work for you—from collecting quotes to helping you cancel your old policy.
It can be hard to keep track of your car insurance renewals while juggling your own obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any updates and ensure you get the lowest price for your coverage.

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.

Look for discounts

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 common ones to keep an eye out for:
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 telematics 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.
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It’s also a good idea to update your car insurance to reflect 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. 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.

Registering your car in Washington

If you want to register a car in Washington, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • A car title or signed lease agreement
  • Proof of a safety inspection
  • Proof of a smog test, depending on the age of the vehicle
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first.
At the DMV, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.

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