Cheapest Auto Insurance in Washington (2025)

Drivers in Washington state pay slightly less for car insurance than the national average. Liability insurance in the Evergreen State costs an average of $92 per month, while the national average is $104 per month.

The relatively low average cost of insurance isn’t surprising, considering Washington has a low population density of 116 people per square mile.1 Drivers in areas with higher population density typically face a higher risk of vehicle accidents and property damage.

Here’s what drivers in Washington state need to know about comparing auto coverage options and finding the best insurance coverage at the right price.

3 of the cheapest car insurance companies in Washington

The cheapest car insurance company will look different for each driver because insurers use a variety of factors to determine your car insurance rates, including your driving history, marital status, ZIP code, credit-based insurance score, location, coverage level, and vehicle.

The best way to find the right insurance company for you is to compare quotes from multiple insurers. State Farm, USAA, and GEICO have some of the lowest average rates in Washington, so you may want to begin your search with these companies.

Best insurer for cheap rates: State Farm

Best for military members and veterans: USAA

Best for discounts: GEICO

How to get the cheapest car insurance in Washington

Finding cheap car insurance isn’t like other types of comparison shopping. The cheapest companies won’t be the same for every driver because each insurer bases your rates on a variety of factors, including the type of coverage you choose, your driving record, and your vehicle, as well as your age, gender, marital status, and location.

Customers can potentially lower the cost of their insurance policy by using these strategies:

• Drive safely. A clean driving record is one of the most effective methods of keeping your rate low.

• Bundle insurance products. The best auto insurance companies often offer other types of insurance, like homeowners insurance, life insurance, business insurance, and umbrella insurance. Getting all your necessary insurance coverage through a single insurer will often unlock money-saving discounts.

• Increase your deductible. Your deductible is the money you’re responsible for paying before your coverage pays for a claim. A higher deductible means paying lower premiums — although you want to make sure you have enough money to cover the higher deductible in case of a car accident. Remember, you’ll have to pay the deductible before the insurance company pays for your property damage.

Low-cost car insurance in Washington

Washington state doesn’t have any programs to subsidize car insurance for low-income drivers. If you live in Washington and are looking for low-cost car insurance, consider shopping around for updated insurance quotes every six months. That way, you can make sure you always have the cheapest car insurance policy available.

Cheapest liability-only car insurance quotes in Washington: State Farm

Liability-only car insurance is the minimum coverage you need to drive legally in Washington. This car insurance policy includes bodily injury liability and property damage liability coverage. Liability-only car insurance pays for medical expenses stemming from an accident you caused and pays to repair or replace the other party’s damaged property.

Washington drivers pay an average of $92 per month for liability insurance. The following insurance companies offer the best car insurance at the lowest prices for drivers looking for liability-only coverage.

Cheapest full-coverage car insurance quotes in Washington: State Farm

Liability-only coverage may offer the cheapest car insurance rates, but it often doesn’t offer enough coverage. Full-coverage car insurance includes the minimum liability coverage but also adds collision coverage and comprehensive coverage to your policy for vehicle protection.

Washington doesn’t require drivers to purchase full-coverage insurance, but people who drive leased or financed vehicles may have to carry this kind of insurance policy as a condition of their financing.

The average cost of full-coverage car insurance is higher than liability-only coverage. In Washington, drivers pay $169 per month for full coverage, on average.

The following companies have some of the cheapest Washington car insurance options for full-coverage policies.

Car insurance requirements in Washington

Under state law, Washington follows a “pure comparative fault” rule. This means each party in an accident will have a degree of negligence that determines their financial responsibility in case of a lawsuit. If you cause an accident, you’re responsible for the other driver’s resulting damage and loss.4

Drivers in Washington state must carry a minimum level of liability insurance, including bodily injury and property damage liability. The table below shows the required minimum insurance levels.5

You don’t need to carry more than the above coverage levels. But you can add the following types of car insurance to your policy for additional protection in case of an at-fault accident or other problems on the road:

Cheapest car insurance companies in WA for drivers with an incident

If you have a clean driving history, you’re more likely to qualify for the best rates. But if you have any traffic violations on your record, such as a speeding ticket, DUI, or at-fault accident, insurers will consider you to be a high-risk driver, and you’ll generally pay higher rates.

But high-risk drivers can still find reasonable prices with the right auto insurance companies by comparing coverage options. Washington drivers with an incident on their record pay an average of $109 per month for liability coverage and $200 for full-coverage insurance.

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

Insurers are more likely to consider you a high-risk driver if you receive a speeding ticket because it shows you’re more likely to file a claim than someone who regularly follows the speed limit.

In Washington, the average premium for drivers with a speeding ticket is $215 for full coverage and $117 for liability-only coverage. If you have a speeding ticket on your driving record, start your search below for the best car insurance company for your needs. The rates below reflect liability insurance costs.

Cheapest car insurance quotes for drivers with an at-fault accident: State Farm

Insurers in Washington may consider drivers with at-fault accidents on their records to be high-risk drivers because they’re more likely to make a claim. After an accident, you can generally expect to pay higher rates for your car insurance premiums — at least until you’ve re-established a clean and accident-free driving history.

The average cost of car insurance for Washington drivers with a past accident is $122 for liability and $224 for full coverage. To find the best deal on car insurance costs after an at-fault accident, check out liability rates from the following insurers.

Cheapest car insurance quotes for drivers with a DUI: State Farm

Driving under the influence (DUI) is a serious traffic offense that can endanger you and anyone else on the road. Insurers take this kind of violation very seriously. Some companies will even drop coverage for any driver convicted of a DUI since such drivers are more likely to file a claim.

In Washington, drivers with a past DUI pay $113 per month for liability insurance and $208 for full-coverage insurance, on average.

Compare liability insurance rates for drivers with clean records and people with a DUI in the table below.

Cheapest car insurance quotes for seniors: State Farm

Auto insurance rates tend to decrease with age for drivers with clean records between ages 35 and 69. Rates often increase again for drivers 70 and older. Even though senior drivers have plenty of experience behind the wheel, insurance companies increase rates to reflect aging-related risk factors.

On average, senior drivers in Washington pay $79 per month for liability insurance and $145 for full-coverage insurance. Find the cheapest insurers for senior drivers in the table below.

Cheapest car insurance quotes for teens: USAA

Teen drivers have the highest premium rates of any age group because teenagers are new to driving and more likely to behave impulsively behind the wheel. Teens account for a disproportionate percentage of crashes and fatalities on the road.

Teen drivers can use several strategies to reduce the cost of auto insurance. Start with the tips below:

• Maintain your GPA. A number of insurers provide discounts to teen drivers who get good grades.

• Drive a practical car. Insurers often charge lower rates for safe cars, and parents and teen drivers can find a list of affordable cars that are suitable for new drivers on the Insurance Institute for Highway Safety website.6

• Join your parents’ insurance policy. This will be much less expensive than if the teen driver gets their own insurance policy.

COUNTRY Financial has the lowest rates for teen drivers in the U.S., with an average cost of $70 per month for full coverage. Here are some of the cheapest options for teenage drivers in Washington.

Washington car insurance quotes by credit tier

Washington State Insurance Commissioner Mike Kriedler attempted to ban insurance companies from using credit-based insurance scores to help determine premium prices in 2022, but a judge overturned the ban in the same year. This means Washington insurers can still consider your credit while setting your insurance rates.7

Insurers have found that drivers with poor credit are more likely to file insurance claims, while drivers with good or excellent credit are less likely to do so.

Here are the average monthly rates for full-coverage auto insurance by credit tier in Washington state.

Car insurance rates across Washington cities

Car insurance across Washington state varies depending on where you live. Car insurance companies take into account your location, down to your ZIP code, when determining car insurance rates. This is because certain locations may have higher vehicle theft rates, more severe weather, and a higher number of claims overall. As a result, drivers living in those cities may pay more than others in their state.

Below, you can find the average cost of car insurance across several cities in Washington state.