Cheap Auto Insurance in Washington — Compare & Save Up to 40%

Average Washington driver pays $147/mo for full coverage. The cheapest carrier is GEICO at $111/mo. Compare 5+ companies in 90 seconds.

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Cheapest Auto Insurance Companies in Washington (2026)

We compared full coverage rates from the top auto insurance companies in Washington. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

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

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Washington Auto Insurance

Washington requires minimum liability coverage of 25/50/10.
The average full-coverage premium in Washington is $1,760/year.
Washington uses a at-fault/tort insurance system.
Approximately 13% of Washington drivers are uninsured.
Washington drivers face weather-related risks including rain, earthquakes, flooding, windstorms, mountain snow.
Liability-only coverage in Washington averages $520/year.
Washington requires Personal Injury Protection (PIP) coverage.

For complete Washington auto insurance laws and requirements, visit the Washington Office of the Insurance Commissioner. For vehicle registration and licensing, visit the Washington DOL.

Full Coverage vs. Liability in Washington

Full coverage in Washington averages $147/month, while liability-only coverage averages $43/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 13% of Washington drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Washington

Where you live in Washington significantly affects your premium. Click your city for local rate comparisons:

📍 Seattle, WA — $2,067/yr› 📍 Spokane, WA — $1,911/yr› 📍 Tacoma, WA — $1,938/yr› 📍 Vancouver, WA — $1,797/yr› 📍 Bellevue, WA — $1,844/yr› 📍 Kent, WA — $1,803/yr› 📍 Everett, WA — $1,828/yr› 📍 Renton, WA — $1,856/yr› 📍 Spokane Valley, WA — $1,835/yr› 📍 Federal Way, WA — $1,819/yr› 📍 Yakima, WA — $1,769/yr› 📍 Kirkland, WA — $1,666/yr› 📍 Bellingham, WA — $1,754/yr› 📍 Auburn, WA — $1,684/yr› 📍 Kennewick, WA — $1,720/yr› 📍 Pasco, WA — $1,717/yr› 📍 Redmond, WA — $1,725/yr› 📍 Marysville, WA — $1,659/yr› 📍 Sammamish, WA — $1,657/yr› 📍 South Hill, WA — $1,740/yr› 📍 Lakewood, WA — $1,738/yr› 📍 Richland, WA — $1,757/yr› 📍 Shoreline, WA — $1,685/yr› 📍 Olympia, WA — $1,769/yr› 📍 Lacey, WA — $1,725/yr› 📍 Burien, WA — $1,731/yr› 📍 Bothell, WA — $1,631/yr› 📍 Bremerton, WA — $1,681/yr› 📍 Puyallup, WA — $1,650/yr› 📍 Edmonds, WA — $1,594/yr› 📍 Issaquah, WA — $1,703/yr› 📍 Parkland, WA — $1,600/yr› 📍 Lynnwood, WA — $1,655/yr› 📍 Longview, WA — $1,688/yr› 📍 Lake Stevens, WA — $1,702/yr› 📍 Wenatchee, WA — $1,649/yr› 📍 Spanaway, WA — $1,663/yr› 📍 Mount Vernon, WA — $1,691/yr› 📍 University Place, WA — $1,661/yr› 📍 Walla Walla, WA — $1,588/yr› 📍 Pullman, WA — $1,666/yr› 📍 Des Moines, WA — $1,600/yr› 📍 Graham, WA — $1,632/yr› 📍 SeaTac, WA — $1,690/yr› 📍 Maple Valley, WA — $1,667/yr› 📍 Orchards, WA — $1,611/yr› 📍 Camas, WA — $1,627/yr› 📍 Mercer Island, WA — $1,639/yr› 📍 Tumwater, WA — $1,698/yr› 📍 Moses Lake, WA — $1,701/yr› 📍 Frederickson, WA — $1,548/yr› 📍 Bainbridge Island, WA — $1,643/yr› 📍 Oak Harbor, WA — $1,565/yr› 📍 Kenmore, WA — $1,629/yr› 📍 Hazel Dell, WA — $1,533/yr› 📍 Cottage Lake, WA — $1,555/yr› 📍 North Lynnwood, WA — $1,553/yr› 📍 Bonney Lake, WA — $1,567/yr› 📍 Silver Firs, WA — $1,595/yr› 📍 Tukwila, WA — $1,572/yr› 📍 Martha Lake, WA — $1,515/yr› 📍 Mukilteo, WA — $1,637/yr› 📍 Salmon Creek, WA — $1,644/yr› 📍 Mountlake Terrace, WA — $1,626/yr› 📍 Five Corners, WA — $1,530/yr› 📍 Mill Creek, WA — $1,626/yr› 📍 Covington, WA — $1,532/yr› 📍 Battle Ground, WA — $1,515/yr› 📍 Silverdale, WA — $1,509/yr› 📍 Port Angeles, WA — $1,537/yr› 📍 Arlington, WA — $1,641/yr› 📍 Monroe, WA — $1,523/yr› 📍 Ellensburg, WA — $1,540/yr› 📍 Centralia, WA — $1,604/yr› 📍 Anacortes, WA — $1,563/yr› 📍 Camano, WA — $1,632/yr› 📍 Washougal, WA — $1,507/yr› 📍 Aberdeen, WA — $1,570/yr› 📍 White Center, WA — $1,540/yr› 📍 Sunnyside, WA — $1,555/yr› 📍 West Richland, WA — $1,500/yr› 📍 Lynden, WA — $1,645/yr› 📍 Port Orchard, WA — $1,559/yr› 📍 Lake Stickney, WA — $1,573/yr› 📍 Ferndale, WA — $1,602/yr› 📍 Elk Plain, WA — $1,507/yr› 📍 East Wenatchee, WA — $1,546/yr› 📍 Snoqualmie, WA — $1,502/yr› 📍 Artondale, WA — $1,608/yr› 📍 Lake Forest Park, WA — $1,497/yr› 📍 Cheney, WA — $1,609/yr› 📍 Woodinville, WA — $1,542/yr› 📍 Newcastle, WA — $1,518/yr› 📍 Lake Tapps, WA — $1,527/yr› 📍 Kelso, WA — $1,503/yr› 📍 Enumclaw, WA — $1,507/yr› 📍 Sedro-Woolley, WA — $1,638/yr› 📍 Edgewood, WA — $1,610/yr› 📍 Prairie Ridge, WA — $1,499/yr› 📍 Gig Harbor, WA — $1,525/yr› 📍 Liberty Lake, WA — $1,605/yr› 📍 Poulsbo, WA — $1,643/yr› 📍 East Renton Highlands, WA — $1,550/yr› 📍 Minnehaha, WA — $1,569/yr› 📍 Maltby, WA — $1,640/yr› 📍 Vashon, WA — $1,644/yr› 📍 Fife, WA — $1,647/yr› 📍 Grandview, WA — $1,601/yr› 📍 Airway Heights, WA — $1,587/yr› 📍 Sumner, WA — $1,649/yr› 📍 Yelm, WA — $1,526/yr› 📍 Shelton, WA — $1,591/yr› 📍 Ridgefield, WA — $1,510/yr› 📍 Alderwood Manor, WA — $1,577/yr› 📍 DuPont, WA — $1,618/yr› 📍 Port Townsend, WA — $1,603/yr› 📍 Snohomish, WA — $1,632/yr› 📍 Birch Bay, WA — $1,618/yr› 📍 Mount Vista, WA — $1,610/yr›

Washington Auto Insurance FAQ

Who has the cheapest car insurance in Washington?

Based on our 2026 analysis, GEICO offers the cheapest full coverage in Washington at $111/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.

How much is car insurance in Washington?

The average cost of full coverage auto insurance in Washington is $147/month or $1,760/year. Liability-only coverage averages $43/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.

What is the minimum car insurance required in Washington?

Washington requires minimum liability limits of 25/50/10 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.

How can I save on auto insurance in Washington?

The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.

Does Washington have a lot of uninsured drivers?

Approximately 13% of Washington drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

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.

Cheap Auto Insurance in Washington — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Washington (2026)

Washington Auto Insurance at a Glance

🎖️ Compare Washington Auto Insurance Rates Now

What You Should Know About Washington Auto Insurance

Full Coverage vs. Liability in Washington

Washington Auto Insurance Guides

Auto Insurance Rates by City in Washington

Washington Auto Insurance FAQ

Sources & Methodology

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