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In Washington, affordable car insurance options include State Farm, USAA, Direct Auto, and GEICO.
Full-coverage car insurance in Washington averages $162 per month, compared to the national average of $186. Your actual premium depends on multiple factors, including your age, driving history, and where in the state you live.
Comparing quotes from several insurance companies remains the most effective way to find your best rate. This guide breaks down Washington's most affordable car insurance by coverage type, driver profile, and provider.
Affordable full-coverage car insurance in Washington
Full-coverage insurance averages $162 monthly in Washington, compared to $186 nationally. Among Washington's cheapest car insurance providers, State Farm, USAA, Direct Auto, and GEICO stand out.
| Average monthly full coverage cost | |
| Washington average | $162 |
| National average | $186 |
| State Farm | $109 |
| USAA | $112 |
| Direct Auto | $134 |
| GEICO | $144 |
Affordable liability-only car insurance in Washington
Among Washington's most affordable liability car insurance providers, State Farm, USAA, Direct Auto, and Allstate offer competitive rates.
Liability-only coverage in Washington costs an average of $90 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| Washington average | $90 |
| National average | $104 |
| State Farm | $52 |
| USAA | $53 |
| Direct Auto | $69 |
| Allstate | $69 |
Cheap car insurance in Washington by age
Age significantly impacts insurance costs. Car insurance for teens typically carries the highest premiums in Washington, averaging $351 per month due to limited driving experience.
Premiums drop as drivers enter their 20s, averaging $224 monthly for full coverage. Costs continue declining through drivers' 30s and 40s, with monthly averages around $172 and $162, respectively.
Rates may increase again for drivers in their 60s and older, but not always. Washington seniors pay an average of $139 monthly for full coverage in their 60s and $149 in their 70s.
These differences in cost reflect different risk levels associated with each age group. Younger drivers are considered to be the highest risk due to inexperience on the road and older drivers sometimes facing increased rates due to factors like declining health and cognitive function.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $351 | $195 |
| 20s | $224 | $125 |
| 30s | $172 | $96 |
| 40s | $162 | $90 |
| 50s | $150 | $83 |
| 60s | $139 | $77 |
| 70s | $149 | $83 |
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Cheap car insurance in Washington for high-risk drivers
A bad driving record typically leads to higher car insurance premiums. Below are Washington's average costs for drivers with an accident, speeding ticket, or DUI on their record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $218 | $121 |
| Speeding ticket | $208 | $116 |
| DUI | $196 | $109 |
Compare low-cost car insurance after an accident
For Washington drivers with an accident on their record, State Farm, USAA, and Direct Auto provide affordable car insurance options. Full-coverage policies for drivers with accidents average $218 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $143 | $68 |
| USAA | $148 | $71 |
| Direct Auto | $183 | $94 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Washington drivers with a speeding ticket can find affordable car insurance through State Farm, USAA, and Direct Auto. Full coverage averages $208 per month for those with a speeding ticket.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $138 | $66 |
| USAA | $144 | $68 |
| Direct Auto | $170 | $87 |
Compare low-cost car insurance after DUI conviction
Washington drivers with a DUI can find affordable full coverage car insurance with State Farm, USAA, and Direct Auto. Full coverage for drivers with a DUI averages $196.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $145 | $70 |
| USAA | $149 | $71 |
| Direct Auto | $178 | $91 |
Cheap car insurance in Washington by credit score
Washington drivers with excellent credit pay an average of $160 monthly for full coverage. Drivers with poor credit face higher premiums, with rates beginning at $181 per month.
This rate difference reflects how credit scores influence insurance pricing, with poor credit typically leading to higher premiums due to perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $160 | $89 |
| Good | $154 | $86 |
| Average | $163 | $90 |
| Poor | $181 | $101 |
FAQs
How does living in Seattle or Tacoma affect my insurance costs compared to rural Washington?
Urban areas in Washington like Seattle and Tacoma experience higher insurance costs due to increased claim frequency from traffic density and property crime. Rural counties see fewer accidents, less crime, and thus, fewer claims, keeping rates for residents of these areas down by comparison.
Can I legally skip traditional insurance in Washington by posting a certificate of deposit?
Washington law allows an alternative to purchasing traditional auto insurance by posting a certificate of deposit with the Department of Licensing for at least $60,000 or obtaining a liability bond for the same amount to prove financial responsibility. This option may appeal to some high-net-worth individuals, but most drivers find traditional insurance more practical and affordable.
How does Washington's at-fault system impact what coverage I should buy?
Washington operates as an at-fault state, meaning the driver who causes an accident bears financial responsibility for all resulting damages and injuries. While the state requires only minimum liability limits of t$25,000 per person and $50,000 per accident for bodily injury plus $10,000 for property damage, these minimums may prove inadequate for serious collisions.
Carrying higher liability limits is especially important in Washington given that medical costs and vehicle repairs frequently surpass the state minimums.
Bottom line
These companies may offer Washington's cheapest rates, but that doesn't guarantee they're the cheapest for your specific car insurance needs.
Getting quotes from several of the best car insurance companies and comparing them based on both price and service remains the best approach to finding the right company for you.
Data throughout provided by Insurify.
Average rate:
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