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Car Insurance in Washington: 2026 Rates & Guide

Washington is a mid-range state for car insurance. The average driver pays $132/month ($1584/year). Here's how to find the best rate for your situation.

$132

Avg Monthly

$1584

Avg Annual

#20

Cost Rank (1=priciest)

$102

Cheapest Option/mo

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Cheapest Car Insurance Companies in Washington (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Washington — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$102/mo4.3Get Quote
2
State Farm
$110/mo4.5Get Quote
3
Pemco
$98/mo4.7
4
Progressive
$124/mo4.1Get Quote
5
Farmers
$138/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Washington Car Insurance Requirements

Minimum Coverage: 25/50/10

Washington is an at-fault state. The driver who causes an accident is financially responsible.

Washington Insurance Facts

Seattle drivers pay approximately 30% more than eastern Washington
Washington bans credit scores from being the sole rate factor
EV and hybrid discounts are increasingly common in WA

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How to Get Cheaper Car Insurance in Washington

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Washington — FAQs

What is the average cost of car insurance in Washington?
The average car insurance cost in Washington is $132 per month ($1584 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Washington?
Washington requires minimum liability coverage of 25/50/10 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Washington?
Based on our research, GEICO offers the lowest average rate in Washington at around $102/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Washington a no-fault car insurance state?
No, Washington is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Washington?
The most effective ways to lower your car insurance in Washington include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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Explore Other States

Alabama$130Alaska$88Arizona$138Arkansas$126California$156Colorado$144Connecticut$162Delaware$178