Cheap Car Insurance in Washington 2019

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Cheapest car insurance companies in Washington

Average Washington insurance premiums by company

Company
Click to see reviews

Average annual premium

The Hartford

$1,281

PEMCO Insurance

$1,518

State Farm

$1,541

American Family Insurance

$1,574

USAA (must have a military affiliation to apply)

$1,592

Geico

$1,599

Esurance

$1,601

Travelers Insurance

$1,603

Nationwide Insurance

$1,606

Safeco

$1,643

AAA Insurance/Auto Club

$1,665

Allstate Insurance

$1,672

Progressive Insurance

$1,743

Farmers Insurance

$1,753

Liberty Mutual

$1,765

National General Insurance

$1,816

MetLife Auto

$1,902


Average car insurance premiums in Washington

Increase after a speeding ticket

Washington drivers who get a speeding ticket pay an average insurance increase of 29%, slightly higher than the average increase nationwide.

State Clean driving record With speeding ticket % increase
Washington $1,612/year $2,083/year 29%
Nationwide average 26%

Increase after an accident

Washington drivers who cause an accident get an average insurance increase of 39%, slightly higher than the national average increase.

State Clean driving record With a chargeable accident, no injury % increase
Washington $1,612/year $2,237/year 39%
Nationwide average 36%

Average premiums in Washington cities

Drivers in Auburn, a suburb of Seattle, pay the most for auto insurance among the Washington cities we examined.

City

Average annual premium

Auburn

$1,834

Bellevue

$1,548

Bellingham

$1,384

Bothell

$1,577

Bremerton

$1,498

Everett

$1,713

Federal Way

$1,731

Kennewick

$1,429

Kent

$1,743

Kirkland

$1,650

Lakewood

$1,795

Lynnwood

$1,713

Marysville

$1,591

Olympia

$1,609

Puyallup

$1,754

Redmond

$1,492

Renton

$1,753

Seattle

$1,688

Spokane

$1,482

Tacoma

$1,803

Vancouver

$1,579

Yakima

$1,538

Minimum car insurance in Washington

Compared to many other states, Washington doesn't require much auto insurance. Car owners must buy only low levels of liability insurance. But if you have only the state-required amount of car insurance and cause an accident, you can be sued for accident bills your insurance doesn't cover. Also, liability insurance doesn't cover damage to your own car, or auto theft.


Required car insurance in Washington

Other Washington auto insurance options

Personal injury protection (PIP): PIP is not required in Washington but it is available. PIP covers your medical bills, lost wages, cost of services you can't perform, or funeral expenses after a car accident. It doesn't matter who caused the accident.

If you buy PIP, here's the minimum coverage in Washington:

  • Up to $10,000 for reasonable and necessary medical expenses for each person injured in the auto accident.
  • Up to $2,000 for funeral expenses.
  • Up to $200 per week ($10,000 total) for lost wages if you can't work because of the accident.
  • Up to $200 per week ($5,000 total) for services you can't do because of the accident, such as child care.

Comprehensive and collision coverage: These are not required by the state, but you may be required to buy them if you have a car loan or lease. They cover damage to your own vehicle from problems such as a car accident, hitting a tree, hail, fire and floods. Comprehensive insurance also covers car theft.

Rental reimbursement: Rental reimbursement is not required but can come in handy if you want your insurance to pay for a rental car while your vehicle is being repaired after an accident. There is typically a maximum reimbursement per day and maximum total.

You must show an insurance ID card (or other proof of financial responsibility) in Washington when:

  • Law enforcement requests it.

Penalty for not having auto insurance in Washington

  • Fine of not more than $250 or community restitution. 

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Sept. 5, 2019

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