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Car Insurance in Washington

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Washington Car Insurance Quotes

The monthly cost of car insurance in the state of Washington is $129, well below the national average of $189 per month. Washington's low premiums stem from the state's low population density. However, weather factors like frequent rain and snow in the state can impact the cost of car coverage.

Read on to learn more about properly insuring your car in Washington. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Washington Car Insurance Laws

Car insurance is mandated for all drivers who wish to operate a vehicle in Washington state. 

Washington’s car insurance requirements

Washington state has the following minimum coverage requirements:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $10,000 for property damage 

The coverages for bodily injury per person and per accident align closely with the U.S. average minimum coverage amounts. Property damage coverage falls below the most common minimum of $25,000.

Aside from purchasing a standard car insurance policy, Washington allows for three other options for meeting state requirements: 

  • Post a bond worth $60,000 with the Department of Licensing (DOL) 
  • Apply for a certificate of deposit in the same amount 
  • Self-insure — only if you have at least 26 vehicles registered under your name. This option is feasible for commercial vehicle owners and fleet operators.

Cheapest Insurance in Washington

When determining car insurance premiums, EverQuote considers various factors that impact the cost, such as available discounts, car make and model, driver age and record, and coverage types.

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Washington.

Rank Insurance company Average monthly premium
1 USAA $66
2 State Farm $94
3 Nationwide $107
4 American Family $114
5 Travelers $126
Avg. monthly premiums are weighted by zip code population sizes

Fast, Free Auto Insurance Quotes

Proof of Insurance

“ There is no grace period for getting insurance after buying a new car in Washington state. ” 

Driving without proof of insurance in Washington leads to penalties like potential license suspension and fines starting at $550. You may be personally liable for damages or injuries in an uninsured car accident.

There’s no grace period for getting insurance after buying a new car in Washington state. You need insurance established and active before driving your new car. You may be eligible for a temporary coverage extension on your existing policy if you already have insurance.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Washington?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Washington?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Washington?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.