Insurance in Washington

Compare auto, home, and life insurance rates in Washington from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Washington

🚗 Auto Insurance in Washington› 🏠 Home Insurance in Washington› 💚 Life Insurance in Washington›

Auto Insurance Rates in Washington (2026)

Washington uses an at-fault/tort insurance system and requires Personal Injury Protection (PIP). The state mandates minimum liability coverage of 25/50/10. The average full coverage premium is $147/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$666	$111/mo
PEMCO	$744	$124/mo
Progressive	$750	$125/mo
State Farm	$822	$137/mo
Allstate	$1,002	$167/mo

→ Full Washington auto insurance guide with city rates

Washington Insurance at a Glance

$147

Avg. Monthly (Auto)

$111

Cheapest Auto Rate

25/50/10

Min. Liability Limits

13%

Uninsured Drivers

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Popular Auto Insurance Topics in Washington

Auto Insurance by City in Washington

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Seattle› 📍 Spokane› 📍 Tacoma› 📍 Vancouver› 📍 Bellevue› 📍 Kent› 📍 Everett› 📍 Renton› 📍 Spokane Valley› 📍 Federal Way› 📍 Yakima› 📍 Kirkland› 📍 Bellingham› 📍 Auburn› 📍 Kennewick› 📍 Pasco› 📍 Redmond› 📍 Marysville› 📍 Sammamish› 📍 South Hill› 📍 Lakewood› 📍 Richland› 📍 Shoreline› 📍 Olympia› 📍 Lacey› 📍 Burien› 📍 Bothell› 📍 Bremerton› 📍 Puyallup› 📍 Edmonds› 🗺️ View All 119 Cities›

Washington Insurance FAQ

What insurance do I need in Washington?

At minimum, Washington requires liability auto insurance with limits of 25/50/10. Most Washington residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Washington?

For auto insurance, GEICO offers the cheapest full coverage at $111/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Washington?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Washington Office of the Insurance Commissioner — official state insurance regulator for Washington.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Washington DOL — Washington vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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