Average Car Insurance Cost in Washington (2025)
Drivers in Washington pay an average of $119 per month for car insurance.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
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 $156 per month, and liability policies that meet state-minimum requirements average $81 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.
Quick Facts
Washington requires drivers to have policies that meet 25/50/10 coverage minimums.
The average cost of full-coverage car insurance in Washington is $1,876 per year.
Federal Way has the highest premiums for full-coverage and liability-only policies.
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 $81 per month, or $975 per year. The average annual cost for full-coverage policies — which include liability, collision, and comprehensive insurance — is $1,876 per year.
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How Washington car insurance rates have changed over the past two years
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To find car insurance rates in Washington and the U.S. over the last two years, download our data here.
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 Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
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 $262 per month. The high rate is due to the city’s high crime rate compared to the rest of the state.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Kennewick | $68 | $113 |
| Spokane | $77 | $123 |
| Vancouver | $77 | $136 |
| Tacoma | $100 | $180 |
| Seattle | $103 | $203 |
| Federal Way | $134 | $262 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Washington (2025)
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $178 | $343 |
| 18 | $154 | $298 |
| 20 | $104 | $201 |
| 25 | $91 | $177 |
| 30 | $79 | $153 |
| 40 | $72 | $140 |
| 50 | $63 | $120 |
| 60 | $58 | $112 |
| 70+ | $63 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $151 | $292 |
| 18 | $132 | $254 |
| 20 | $88 | $171 |
| 25 | $78 | $151 |
| 30 | $67 | $131 |
| 40 | $62 | $120 |
| 50 | $53 | $102 |
| 60 | $50 | $96 |
| 70+ | $53 | $114 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $251 |
| Toyota RAV4 | $140 |
| Honda CR-V | $127 |
| Subaru Crosstrek | $119 |
| Ford F-Series | $143 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $168 | 51% |
| With speeding ticket | $164 | 48% |
| With DUI | $191 | 72% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Washington used to prohibit insurance companies from using drivers’ credit history to set premiums, but the law was overturned in 2022. As a result, insurers can now use your credit when setting your premiums.[3]
Washington residents with excellent credit pay much less for coverage. On average, people with excellent credit paid just $109 per month for full coverage — about 25% less than the state average. By contrast, people with poor credit pay significantly more.
Below are the average rates for car insurance based on credit tier:
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $57 $109 Good $62 $120 Fair $70 $135 Poor $86 $166 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Enroll in a telematics program
Telematics or usage-based insurance policies base your premiums on your driving habits, and you can substantially lower your rates by driving safely and limiting your mileage.
Increase your deductible
The deductible is your share of the cost of a claim. Increasing your deductible, such as boosting it from $250 to $500, can reduce your annual rates. But make sure you can pay the higher deductible out of pocket.
Ask about discounts
Many insurers have discount programs that may allow you to lower your premiums. Common options include good student discounts, accident-free discounts, and multi-policy discounts. Or, if you pay your car insurance premiums for the year up front, you may be eligible for a paid-in-full discount.
Take a course
In Washington, drivers who are 55 or older can qualify for a discount by completing an approved driver safety course.
Shop around
Car insurance rates differ by company, so it can pay off to shop around and request insurance quotes from several companies. Comparison shopping will help you find the most competitive rates.
Washington average car insurance cost FAQs
The following information can help you learn about Washington’s car insurance requirements and cost.
On average, policies that meet the state’s minimum coverage requirements cost $975 per year. The average annual cost for full-coverage policies is $1,876 per year.
In Washington, Direct Auto, State Farm, and USAA offer the cheapest liability-only policies.
The average rate for Washington drivers is $156 per month for full-coverage policies. Insurance policies that meet the state’s minimum coverage requirements are $81 per month.
The best auto insurance companies in Washington include State Farm, American Family, and Farmers Insurance, according to J.D. Power customer satisfaction ratings.[4]
Drivers in Washington must have a car insurance policy that provides a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 in property damage insurance. These policies cover expenses for damage and injuries you cause to other drivers, but you may also want to add other coverage to your policy, including uninsured/underinsured protection, collision coverage, and comprehensive insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Washington state Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law."
- III. "What determines the price of an auto insurance policy?."
- Washington state Office of the Insurance Commissioner. "Facts about the credit scoring ban rule."
- Jdpower.com. "2024 U.S. Auto Insurance Study."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.