Liability insurance is the minimum legal requirement in Washington — it covers damage you cause to other people and their property. The average cost is $43/month with 25/50/10 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Washington requires minimum limits of 25/50/10, but most insurance experts recommend at least 50/100/50 — especially with 13% of Washington drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (25/50/10) | $43/mo | $520 | Other people's injuries & property |
| Full Coverage | $147/mo | $1,760 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1248/year in Washington — but your own car has zero protection.
| 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.
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