Average Car Insurance Cost in Washington (2025)

Although the population of Washington state is growing quickly, residents of the Evergreen State can enjoy one major perk: Car insurance tends to be relatively inexpensive. On average, full-coverage policies cost $169 per month, and liability policies that meet state-minimum requirements average $92 per month.

The lower-than-usual rates are due to several factors, including the state’s relatively low population density. Additionally, drivers in the state cover fewer miles than drivers in other states, decreasing the chance of getting into an accident.

Here’s what you need to know before shopping for car insurance in Washington.

How much is car insurance in Washington?

Although Washington has a relatively high cost of living, car insurance in the state is surprisingly inexpensive.

Drivers in the Evergreen State must have car insurance that meets the following requirements:1

• $25,000 per person in bodily injury liability

• $50,000 per accident in bodily injury liability

• $10,000 in property damage liability

Policies that meet the state’s minimum requirements average $92 per month, or $1,107 per year. The average annual cost for full-coverage policies — which include liability, collision, and comprehensive insurance — is $2,024 per year.

How Washington car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Washington rose to $1,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Washington.

See how Washington car insurance prices have changed over the past two years below.

Average Washington car insurance rates by city

Where you live affects your car insurance premiums. Residents of densely populated cities typically pay more for insurance than drivers who live in the suburbs or rural areas, and people living in areas with higher crime rates will have higher premiums, too.

In Washington state, drivers in Federal Way pay the most for coverage. In 2025, the average premium for full-coverage policies is $258 per month. The high rate is due to the city’s high crime rate compared to the rest of the state.

Average Washington car insurance rates by age and gender

Your age and gender also affect your car insurance premiums. Statistically, teens are more likely to be in accidents than drivers in other age groups, so their rates are often much higher.

Men have higher rates of accidents and driving infractions, too. As a result, men usually pay higher premiums than women.2

Below are the average car insurance rates for Washington drivers based on age and gender.

Average cost to insure popular vehicles in Washington

SUVs are the most popular vehicles in Washington, claiming three of the five top spots. But Washington is also a leading state for electric vehicle registrations, so it’s no surprise that the Tesla Model Y is one of the most popular vehicles in the state.

Below are the average rates for the most popular vehicles in Washington:

How your driving record affects car insurance rates in Washington

Your driving record, including accidents and infractions, affects your rates. A past history of accidents, speeding tickets, or driving under the influence (DUI) convictions indicates that you may be at higher risk of future incidents and more likely to file a claim. Insurance companies will charge you higher rates to balance this risk.

For example, the average cost of car insurance for a Washington driver with an accident on their record is $168 — $57 more than drivers with a clean record.

The table shows the average rates for people with driving incidents and how it compares to drivers with a clean record.

How to lower your insurance costs in Washington

If you’re looking for cheap car insurance or want to reduce your premiums, follow these tips: