Cheapest Car Insurance Washington State

During our research, we found that car insurance coverage rates in Washington state were slightly cheaper than the national average. This means you stand a good chance at finding great car insurance in the Evergreen State at excellent rates.

Below, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies in Washington State

The cheapest car insurance companies in Washington state are USAA, Progressive, State Farm and Pemco Insurance. The overall and cost ratings for each of these insurers is provided below.

Cheap Washington Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts	Learn More
USAA Learn More	9.2	9.7	8	Learn More
Progressive Learn More	9.0	7.8	16	Learn More
State Farm Learn More	9.4	9.3	16	Learn More
Pemco Insurance	8.7	9.7	16

Cheap Washington Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts	Learn More
USAA Learn More	9.2	9.7	8	Learn More
Progressive Learn More	9.0	7.8	16	Learn More
State Farm Learn More	9.4	9.3	16	Learn More
Pemco Insurance	8.7	9.7	16

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Washington state.

Car insurance companies have different calculation methods for premiums, so no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Washington.

Cheapest Car Insurance Coverage in Washington State

One of the most important things you can do when shopping for insurance is decide on your coverage level. The reason why is that the coverage level you choose has a major impact on your insurance premium. Luckily, most quotes from providers include estimates for minimum-liability and full-coverage car insurance. And while minimum liability is all that is required, it’s worth considering a full-coverage auto insurance policy.

Below are the cheapest car insurance options in Washington state for both coverage types.

Cheapest Washington Liability Insurance

At $24 per month or $283 per year, Pemco provides the cheapest liability car insurance in Washington state. USAA and State Farm are also strong choices for Washington drivers.

Cheapest Full-Coverage Car Insurance Washington State

Our research shows that USAA tends to offer the cheapest full-coverage car insurance in Washington state at $86 per month or $1,036 per year. Washington motorists can also find cheap insurance through Pemco Insurance and Geico.

Several factors can influence your car insurance costs in Washington state, including your age, driving history and credit scores. Below, we compare car insurance estimates for Washington drivers in these categories.

Cheapest Car Insurance for Young Drivers in Washington

Young drivers pay substantially more for car insurance than older drivers. The tables below show the cheapest car insurance for young drivers in Washington state, along with estimated monthly and annual costs.

Cheapest Washington Car Insurance for 16-Year-Olds

Our research shows State Farm and Mutual of Enumclaw Insurance offer the cheapest car insurance rates in Washington on average for 16-year-old drivers.

Cheapest Washington Car Insurance for 17-Year-Olds

USAA and State Farm tend to be the cheapest options on average for full-coverage car insurance for 17-year-olds. According to our rate averages, 17-year-old drivers in Washington pay slightly less for car insurance than 16-year-old drivers.

*Costs were taken from 2022 information.

Cheapest Washington Car Insurance for 18-Year-Olds

On average, USAA has the cheapest full-coverage car insurance for 18-year-olds in Washington on average, offering rates as low as an average of $212 per month or $2,543 per year. Pemco Insurance, State Farm and Travelers also provide affordable rates for teen drivers.

*Costs were taken from 2022 information.

Cheapest Washington Car Insurance for 21-Year-Olds

According to our research, USAA offers the cheapest coverage for 21-year-old drivers in the state on average, costing $96 per month or $1,157 per year. As this table illustrates, Washington drivers in their early 20s may find cheaper car insurance rates than when they were in their teens.

*Costs were taken from 2o22 information.

Cheapest Washington Car Insurance for 25-Year-Olds

25-year-old Washington drivers tend to find affordable full-coverage car insurance through USAA and Pemco Insurance. Geico, State Farm and Progressive also offer competitive rates, according to our research.

Cheapest Washington Car Insurance for High-Risk Drivers

High-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance in Washington state. The following sections provide averages for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Washington Car Insurance for Drivers With a Speeding Ticket

Washington drivers can expect to pay a much higher rate for auto insurance coverage after receiving a speeding ticket. Car insurance premiums reach an average rate of $2,005 per year for motorists who have a speeding violation on their driving record.

Cheapest Washington Car Insurance for Drivers With a Recent Accident

Drivers who have been involved in a recent accident tend to pay about $2,320 per year for car insurance in Washington. Car insurance coverage isn’t cheap after car crashes in the Evergreen State, providing another reason to keep a clean driving record.

Cheapest Washington Car Insurance for Drivers With a DUI

A DUI on your driving history will earn you the label of a high-risk motorist. That’s why car insurance rates can reach $2,291 per year for Washington state drivers who’ve faced a DUI conviction.

Cheapest Washington Car Insurance for Drivers With Poor Credit

Poor credit scores typically translate to extremely high rates for car insurance policies, and that holds true in Washington. Evergreen State drivers with bad credit can expect to spend around $1,845 per year on full–coverage car insurance.

Car Insurance Deals in Washington

Most car insurance companies offer discounts and deals for a variety of drivers in Washington state. The table below shows which car insurance discounts the best cheap car insurance companies in the Evergreen state provide, which we’ll explain in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Washington

If you’re shopping around for car insurance as a Washington driver, it can be instrumental to find discounts to help bring down costs. When researching companies, check to see which discounts you qualify for; you can even ask your agent to add discounts you may not have known about to your existing policy.

Here’s more information on the most common types of discounts offered by auto insurance companies:

• Multi-policy: Bundling two or more insurance policies with the same company, such as adding a homeowners or renters policy to your auto coverage
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies with your family members or friends
• Military: Applies whether you’re an active military member or a veteran
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: You may qualify for this discount if you’re paying a mortgage
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology or automatic braking
• Paperless: Get a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Evergreen State, the sections below contain more information.

The average cost of full coverage car insurance in Washington state is $135 per month or $1,616 per year. The national average is $2,008 per year, so Evergreen State drivers save considerable money compared to many Americans.

Those who are looking for cheap car insurance in Washington should compare quotes from multiple providers before making a final decision. While it’s easy to find competitive rates in the state, looking at multiple quotes may save you hundreds of dollars per year.

Washington drivers pay about $561 per year, or $47 per month, for minimum liability insurance. Allstate offers the cheapest liability insurance in the state on average, with rate estimates as low as $283 per year, or $24 per month.

Average Cost of Auto Insurance in Washington State by Age

Washington car insurance costs vary widely depending on a driver’s age. Younger drivers tend to pay significantly higher premiums due to their lack of experience, while middle-aged drivers often pay the lowest rates.

The table below shows average monthly and annual premiums for Washington drivers of all ages:

Factors That Affect Washington Car Insurance Rates

Your car insurance rates will likely vary from the estimates in this article. Providers calculate your premiums using a number of variables.

These are the most important factors in the cost of car insurance:

• Age
• Marital status
• Driving record
• Gender listed on your license
• Credit score
• Location

Like most states, Washington follows an at-fault car insurance system. This means whoever causes a car accident will be liable to pay for damages incurred by both drivers. At-fault states generally have lower premiums than those that follow no-fault systems, and that holds true in Washington.

Minimum Insurance Requirements Washington State

Washington state law mandates that all drivers carry at least the following minimum coverage car insurance:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $10,000 per accident

Uninsured motorist coverage, underinsured motorist coverage and personal injury protection (PIP) are not required for drivers in Washington state.

While the state minimum coverage requirements are fairly slim, many drivers prefer greater car insurance coverage in Washington. Two of the most popular options for added protection are collision coverage and comprehensive coverage. The cost of adding these policies depends on the extent of your protection.

Is It Illegal Not To Have Car Insurance in Washington?

Driving without car insurance in Washington may lead to a fine of $550 or more, as well as the suspension of your license. Uninsured drivers should pick up coverage immediately, as driving without insurance can be both dangerous and costly.

How To Get Car Insurance in Washington

USAA, Pemco Insurance, Geico and State Farm usually offer some of the cheapest car insurance in Washington. If you’re looking for affordable and high-quality auto coverage, be sure to compare car insurance quotes from multiple providers across the Evergreen State.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Washington. We also looked at average cost of car insurance and coverage requirements in the Evergreen State.

Cheapest Car Insurance in Washington: FAQ

Below are frequently asked questions about the cheapest car insurance in Washington:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.