Auto insurance in Washington averages $1,450/year — below the national average. Compare free quotes from top insurers serving Seattle, Spokane, Tacoma, and all of Washington state — no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in WA |
|---|---|---|---|---|
| 🏆 GEICO Lowest Rates | ~$980/yr | Budget drivers | A++ | ✅ Yes |
| State Farm | ~$1,150/yr | Good drivers | A++ | ✅ Yes |
| ⭐ Progressive High-Risk/SR-22 | ~$1,280/yr | High-Risk / SR-22 | A+ | ✅ Yes |
| Allstate | ~$1,520/yr | Full coverage | A+ | ✅ Yes |
| USAA | ~$920/yr | Military families | A++ | ✅ Yes |
| Pemco WA Exclusive | ~$1,100/yr | WA Regional Favorite | A | ✅ Yes |
| City | Avg Annual Premium | vs WA Average |
|---|---|---|
| Seattle | $1,890/yr | +30% |
| Tacoma | $1,720/yr | +19% |
| Spokane | $1,290/yr | -11% |
| Bellevue | $1,650/yr | +14% |
| Vancouver | $1,480/yr | +2% |
| Renton | $1,710/yr | +18% |
| Kent | $1,740/yr | +20% |
| Olympia | $1,310/yr | -10% |
| Driver Profile | Avg Annual Premium |
|---|---|
| Clean record | $1,240/yr |
| One at-fault accident | $1,920/yr |
| One speeding ticket | $1,610/yr |
| Teen driver (added) | +$1,600/yr |
| Senior (65+) | $1,390/yr |
| DUI on record | $2,700/yr |
Washington state requires 25/50/10 minimum liability coverage — $25,000 per person, $50,000 per accident, and $10,000 for property damage. Washington is an at-fault (tort) state — the driver responsible for an accident is liable for damages.
We analyze rates, coverage options, and availability specifically for Washington state residents. All comparisons are updated monthly.
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Our Washington state data is refreshed every month to reflect current rates, offers, and insurer availability in your state.
The average cost of auto insurance in Washington state is $1,450/year, which is below the national average. Rates vary based on your city, driving record, vehicle, and coverage level. Seattle drivers typically pay more than those in rural areas of the state.
Washington state requires 25/50/10 liability coverage — $25,000 per person, $50,000 per accident, and $10,000 for property damage. Driving without insurance in WA can result in fines, license suspension, and SR-22 requirements.
You can lower your Washington car insurance by comparing quotes from multiple insurers, enrolling in telematics programs for safe-driving discounts, bundling home and auto policies (saves 10–25%), maintaining a clean driving record, and raising your deductible.
No, Washington is an at-fault (tort) state. The driver who causes an accident is legally responsible for paying damages. This means the at-fault driver's liability insurance — or your own uninsured motorist coverage — covers injuries and property damage resulting from the accident.