Washington Car Insurance Quotes & Average Rates

Full coverage car insurance in Washington is estimated at $1,748 a year, or $146 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $631 a year. Washington is an at-fault state, and drivers must carry 25/50/10 liability limits. Below you will find estimated rates for 91 Washington cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Washington

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$146/ month

$1,748 per year · carriers in Washington typically quote $1,241 – $2,413

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Washington

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,328	$111	-24%	Military members and families only
Geico	$1,433	$119	-18%	Usually cheapest for clean records
State Farm	$1,538	$128	-12%	Strong for young and student drivers
Progressive	$1,661	$138	-5%	Competitive after a ticket or accident
Travelers	$1,696	$141	-3%	Good multi-policy discounts
Nationwide	$1,748	$146	0%	Mid-market, wide availability
Allstate	$1,993	$166	+14%	Higher base rate, heavy discount stacking
Farmers	$2,115	$176	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Washington. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Washington car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,722	$1,705	$394
18 years old	$3,983	$1,438	$332
20 years old	$3,298	$1,191	$275
22 years old	$2,740	$989	$228
25 years old	$2,091	$755	$174
30 years old	$1,802	$651	$150
40 years old	$1,694	$612	$141
50 years old	$1,622	$586	$135
60 years old	$1,604	$579	$134
65 years old	$1,676	$605	$140
70 years old	$1,838	$664	$153
75 years old	$2,145	$775	$179

Estimated premiums by age in Washington, clean record, sedan.

How violations change your Washington premium

Driving record	Est. annual	Increase
Clean record	$1,748	—
1 speeding ticket	$2,150	+23%
1 at-fault accident	$2,570	+47%
DUI / DWI	$3,304	+89%

What a violation costs a 35-year-old in Washington. Surcharges normally stay on the policy for three to five years.

A DUI in Washington usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Washington minimum insurance requirements

Required coverage in Washington	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$10,000
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Washington Department of Insurance before you buy.

Coverage levels in Washington

Coverage level	Est. annual	Est. monthly
State minimum liability	$631	$53
Full coverage (100/300/100 + comp & collision)	$1,748	$146
Full coverage, high limits + low deductible	$2,080	$173

Coverage level comparison for Washington.

Car insurance rates in Washington cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 91 Washington cities we price.

Seattle$2,025 Spokane$1,886 Tacoma$1,886 Vancouver$1,886 Bellevue$1,746 Kent$1,746 Everett$1,746 Renton$1,746 Federal Way$1,746 Spokane Valley$1,746 Yakima$1,746 Kirkland$1,746 Bellingham$1,746 Kennewick$1,746 Auburn$1,746 Pasco$1,746 Marysville$1,746 Redmond$1,746 Lakewood$1,641 Olympia$1,641 Shoreline$1,641 Richland$1,641 South Hill$1,641 Sammamish$1,641 Burien$1,641 Lacey$1,641 City of Sammamish$1,641 Bothell$1,641 Edmonds$1,641 Puyallup$1,641 Bremerton$1,641 Lynnwood$1,641 Longview$1,641 Issaquah$1,641 Parkland$1,641 Mount Vernon$1,641 West Lake Sammamish$1,641 Wenatchee$1,641 University Place$1,641 Pullman$1,641 Walla Walla$1,641 Des Moines$1,641 Lake Stevens$1,641 East Hill-Meridian$1,554 SeaTac$1,554 Spanaway$1,554 North Creek$1,554 Maple Valley$1,554 Mercer Island$1,554 Bainbridge Island$1,554 Graham$1,554 Picnic Point-North Lynnwood$1,554 Inglewood-Finn Hill$1,554 Oak Harbor$1,554 Cottage Lake$1,554 Moses Lake$1,554 Kenmore$1,554 Camas$1,554 Mukilteo$1,554 West Lake Stevens$1,554 Mountlake Terrace$1,554 Silver Firs$1,554 Eastmont$1,554 Mill Creek$1,554 Tukwila$1,554 Bonney Lake$1,554 Salmon Creek$1,554 Orchards$1,554 Port Angeles$1,554 Hazel Dell$1,554 Battle Ground$1,554 Silverdale$1,554 Covington$1,554 Tumwater$1,554 Fairwood$1,554 Ellensburg$1,554 Columbia City$1,554 Arlington$1,554 Union Hill-Novelty Hill$1,554 Frederickson$1,554 Five Corners$1,554 Anacortes$1,554 Monroe$1,554 Centralia$1,554 Bothell West$1,554 Sunnyside$1,554 Aberdeen$1,554 Mill Creek East$1,554 Bryn Mawr-Skyway$1,554 Martha Lake$1,554 Washougal$1,554

Frequently asked questions

▸How much is car insurance in Washington?

Full coverage in Washington is estimated at $1,748 a year, or $146 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $631 a year.

▸What car insurance is required in Washington?

Washington requires $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage.

▸Is Washington a no-fault state?

No. Washington is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Washington city has the cheapest car insurance?

Of the 91 Washington cities we price, Washougal carries the lowest estimate at $1,554 a year, while Seattle is highest at $2,025. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Washington?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.