Gap Insurance in Washington

If your car is totaled and you owe more on your loan than the car is worth, gap insurance pays the difference. In Washington, gap coverage typically costs $5-$15/month — and it can save you thousands if you're in a total-loss accident during the first few years of a car loan.

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How Gap Insurance Works

Loan Balance

What You Still Owe

−

Minus

Car Value

What Insurer Pays

= Gap

You Pay This Without Gap Insurance

Example: You owe $25,000 on your car loan. Your car is totaled and the insurance company values it at $18,000. Without gap insurance, you'd owe the remaining $7,000 on a car you can no longer drive. Gap insurance covers that $7,000.

When You Need Gap Insurance in Washington

You put less than 20% down — you're almost certainly upside-down on day one
You have a 60+ month loan — longer loans mean more time being upside-down
You leased your vehicle — leases often include gap, but verify with your dealer
You rolled negative equity into a new loan — you started underwater immediately
Your car depreciates quickly — new cars lose 20-30% of value in the first year

Where to Buy Gap Insurance

You can get gap insurance from your auto insurer, your dealer, or a standalone gap provider. Auto insurer gap is typically cheapest at $5-$15/month. Dealer gap can cost $400-$700 upfront. Call (888) 217-6781 to add gap coverage to your Washington policy.

Auto Insurance Rates by Carrier in Washington

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 based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Washington Auto Insurance Guides

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Gap Insurance in Washington — FAQ

Who has the cheapest car insurance in Washington?

GEICO offers the cheapest full coverage at $111/month in Washington. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is gap insurance in Washington?

Full coverage in Washington averages $147/month, liability-only averages $43/month. The cheapest option is GEICO at $111/month. Compare multiple quotes for your best rate.

Can I get a free gap insurance quote in Washington?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Washington to find your lowest rate in under 2 minutes.

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.