Cheap Car Insurance in Washington State (2025)
Best car insurance rates in Washington state
Cheapest full-coverage car insurance in Washington: State Farm
USAA has the next-lowest rate at $104 a month. However, USAA is only available to the military community.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,180 |  |
 | American Family | $1,540 |  |
 | Geico | $1,906 |  |
 | Progressive | $2,015 | |
 | Pemco | $2,330 | |
 | Allstate | $2,451 |  |
 | Farmers | $2,599 | |
 | USAA* | $1,247 | |
*USAA is only available to current and former service members and their families.
Full coverage includes collision Collision covers your car for damage from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft or damage from non-collision causes like fire, flood and vandalism. , which cover damage to your own car. You usually need both for a car loan or lease, but neither is required by law.
Your actual rate depends on factors like your driving record, age and credit. Each company uses a different system to set your rate. This makes it good to compare car insurance quotes from a few different companies when you buy or renew your policy.
Cheap Washington liability insurance: State Farm
Pemco also offers a few car insurance discounts that State Farm doesn’t have. These include a discount for teachers, professors and other educators.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $441 |
| Pemco | $479 |
| Geico | $768 |
| American Family | $799 |
| Progressive | $848 |
| Farmers | $1,012 |
| Allstate | $1,301 |
| USAA* | $341 |
Washington’s cheapest car insurance for young drivers: State Farm
State Farm also has the cheapest full-coverage rate for teens at $276 a month. American Family has the next-cheapest full coverage for teens at $286 a month.
Annual car insurance rates for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $1,384 | $3,308 |
| Pemco | $1,553 | $6,593 |
| American Family | $1,887 | $3,436 |
| Progressive | $2,277 | $5,748 |
| Geico | $2,375 | $5,514 |
| Farmers | $3,683 | $6,380 |
| Allstate | $3,909 | $7,413 |
| USAA* | $1,428 | $4,532 |
Teens’ lack of driving experience makes them more likely to get into an accident than older drivers. This is the main reason why car insurance is so expensive for young drivers.
A teen can usually get a lower car insurance rate on a parent’s policy than they can on their own.
Several companies, including State Farm, Pemco and American Family, also give teens a discount for:
- Getting good grades
- Going off to college without a car
State Farm has a discount for teens who complete a driver training program, too. Some other companies also offer this discount, but Pemco and American Family do not.
However, American Family does offer a discount to young drivers who volunteer for a nonprofit. This is a rare discount that you can’t get from State Farm, American Family or many other companies.
Cheap Washington auto insurance with a speeding ticket: State Farm
American Family is the next-cheapest company for most drivers after a ticket at $161 a month.
A speeding ticket raises insurance rates by an average of 26% in Washington. Price increases like this make it hard, but not impossible, to find cheap insurance with a bad driving record.
Car insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,282 |
| American Family | $1,930 |
| Allstate | $2,704 |
| Pemco | $2,710 |
| Progressive | $2,841 |
| Geico | $2,887 |
| Farmers | $3,347 |
| USAA* | $1,468 |
Best Washington car insurance rates after an accident: State Farm
This is 43% less than the next-cheapest rate of $203 a month from American Family.
Insurance rates after an at-fault accident
| Company | Annual rate |
|---|---|
| State Farm | $1,385 |
| American Family | $2,441 |
| Pemco | $2,869 |
| Geico | $3,150 |
| Farmers | $3,483 |
| Allstate | $3,508 |
| Progressive | $3,531 |
| USAA* | $1,713 |
Washington’s best insurance for teens with a bad driving record: State Farm
- State Farm has the state’s cheapest liability rates for teens with a speeding ticket at $128 a month. Pemco is only slightly more expensive at $136 a month.
- State Farm also has the cheapest liability rates for teens with an at-fault accident at $141 a month. Pemco’s rate is nearly as cheap at $142 a month.
Annual insurance rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $1,537 | $1,691 |
| Pemco | $1,627 | $1,703 |
| American Family | $2,238 | $3,094 |
| Progressive | $2,635 | $2,935 |
| Geico | $3,284 | $3,694 |
| Farmers | $4,320 | $4,074 |
| Allstate | $4,444 | $6,141 |
| USAA* | $1,701 | $2,144 |
Cheap Washington car insurance after a DUI: American Family
A DUI increases the average cost of car insurance in Washington by 53% to $243 a month. Shopping around may help you find a cheaper rate.
Car insurance rates with a DUI
| Company | Annual rate |
|---|---|
| American Family | $1,930 |
| Progressive | $2,508 |
| State Farm DUI | $2,690 |
| Geico | $2,959 |
| Pemco | $3,255 |
| Allstate | $3,273 |
| Farmers | $4,142 |
| USAA* | $2,618 |
Best Washington car insurance rates for bad credit: American Family
Geico has the next-cheapest rate at $159 a month. Of these two companies, American Family has a better overall customer satisfaction rating from J.D. Power.
Bad credit car insurance rates
| Company | Annual rate |
|---|---|
| American Family | $1,540 |
| Geico | $1,906 |
| Progressive | $2,015 |
| State Farm | $2,415 |
| Farmers | $2,599 |
| Pemco | $3,585 |
| Allstate | $3,892 |
| USAA* | $1,938 |
Best car insurance companies in Washington
State Farm beats the industry average for customer satisfaction from J.D. Power. It also has the best possible AM Best rating for financial strength.
American Family has a slightly higher customer satisfaction score than State Farm. This makes it another good company to contact for an auto insurance quote. Depending on your situation, American Family may be able to offer you a cheaper rate than State Farm.
J.D. Power’s ratings are based on customer surveys on price, coverage and other factors. USAA has the industry’s highest satisfaction score. If you meet its eligibility requirements, USAA is also worth contacting for a quote.
Car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Pemco | 666 | B++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Washington car insurance rates by location
King County’s Boulevard Park neighborhood has the state’s most expensive car insurance at $2,430 a year. This is 27% higher than the state average. The neighboring Riverton area has the next-highest rate at $2,411 a year.
Seattle drivers pay an average of $2,241 a year for car insurance, or $187 a month. This is 17% higher than the state average. Tacoma drivers pay an average of $190 a month.
Car insurance costs an average of $147 a month in Olympia, which is 7% less than the state average. Spokane drivers pay an average of $149 a month.
Car insurance rates near you
| City | Annual rate | City vs. state % |
|---|---|---|
| Aberdeen | $1,683 | -12% |
| Acme | $1,715 | -10% |
| Addy | $1,767 | -7% |
| Adna | $1,752 | -8% |
| Ahtanum | $1,670 | -12% |
| Airway Heights | $1,764 | -8% |
| Albion | $1,612 | -16% |
| Alderton | $2,127 | 11% |
| Alderwood Manor | $2,147 | 12% |
| Algona | $2,271 | 19% |
| Allyn | $1,834 | -4% |
| Almira | $1,618 | -15% |
| Amanda Park | $1,664 | -13% |
| Amboy | $1,882 | -1% |
| Ames Lake | $2,072 | 9% |
| Anacortes | $1,526 | -20% |
| Anatone | $1,655 | -13% |
| Anderson Island | $1,988 | 4% |
| Appleton | $1,801 | -6% |
| Ardenvoir | $1,828 | -4% |
| Ariel | $1,792 | -6% |
| Arlington | $1,822 | -5% |
| Arlington Heights | $1,822 | -5% |
| Artondale | $1,878 | -2% |
| Ashford | $1,873 | -2% |
| Asotin | $1,632 | -14% |
| Auburn | $2,245 | 18% |
| Bainbridge Island | $1,735 | -9% |
| Bangor Base | $1,633 | -14% |
| Barberton | $1,927 | 1% |
| Baring | $2,037 | 7% |
| Battle Ground | $1,930 | 1% |
| Bay Center | $1,682 | -12% |
| Bay View | $1,619 | -15% |
| Beaver | $1,556 | -18% |
| Belfair | $1,778 | -7% |
| Bellevue | $2,038 | 7% |
| Bellingham | $1,602 | -16% |
| Belmont | $1,612 | -16% |
| Benge | $1,619 | -15% |
| Benton City | $1,571 | -18% |
| Bethel | $1,739 | -9% |
| Beverly | $1,753 | -8% |
| Bickleton | $1,657 | -13% |
| Bingen | $1,699 | -11% |
| Birch Bay | $1,596 | -16% |
| Black Diamond | $2,007 | 5% |
| Blaine | $1,596 | -16% |
| Blakely Island | $1,585 | -17% |
| Bonney Lake | $2,046 | 7% |
| Bothell | $2,039 | 7% |
| Bothell East | $2,048 | 7% |
| Bothell West | $2,081 | 9% |
| Boulevard Park | $2,430 | 27% |
| Bow | $1,656 | -13% |
| Boyds | $1,783 | -7% |
| Bremerton | $1,711 | -10% |
| Brewster | $1,674 | -12% |
| Bridgeport | $1,617 | -15% |
| Brier | $2,147 | 12% |
| Brinnon | $1,622 | -15% |
| Browns Point | $2,333 | 22% |
| Brownstown | $1,678 | -12% |
| Brush Prairie | $1,945 | 2% |
| Bryn Mawr-Skyway | $2,403 | 26% |
| Buckley | $1,993 | 4% |
| Bucoda | $1,834 | -4% |
| Buena | $1,666 | -13% |
| Bunk Foss | $1,937 | 1% |
| Burbank | $1,661 | -13% |
| Burien | $2,310 | 21% |
| Burley | $1,739 | -9% |
| Burlington | $1,635 | -14% |
| Burton | $2,017 | 6% |
| Camano Island | $1,613 | -15% |
| Camas | $1,849 | -3% |
| Canterwood | $1,905 | 0% |
| Canyon Creek | $1,822 | -5% |
| Carbonado | $2,027 | 6% |
| Carlsborg | $1,532 | -20% |
| Carlton | $1,695 | -11% |
| Carnation | $2,015 | 6% |
| Carrolls | $1,727 | -10% |
| Carson | $1,822 | -5% |
| Cascade Valley | $1,570 | -18% |
| Cashmere | $1,664 | -13% |
| Castle Rock | $1,723 | -10% |
| Cathcart | $1,991 | 4% |
| Cathlamet | $1,767 | -7% |
| Cavalero | $1,932 | 1% |
| Centerville | $1,693 | -11% |
| Central Park | $1,683 | -12% |
| Centralia | $1,702 | -11% |
| Chain Lake | $1,918 | 0% |
| Chattaroy | $1,785 | -6% |
| Chehalis | $1,678 | -12% |
| Chelan | $1,635 | -14% |
| Chelan Falls | $1,662 | -13% |
| Cheney | $1,681 | -12% |
| Cherry Grove | $1,930 | 1% |
| Chewelah | $1,708 | -11% |
| Chico | $1,638 | -14% |
| Chimacum | $1,578 | -17% |
| Chinook | $1,837 | -4% |
| Cinebar | $1,806 | -5% |
| Clallam Bay | $1,595 | -16% |
| Clarkston | $1,573 | -18% |
| Clarkston Heights-Vineland | $1,573 | -18% |
| Clayton | $1,784 | -7% |
| Cle Elum | $1,681 | -12% |
| Clear Lake | $1,658 | -13% |
| Clearlake | $1,656 | -13% |
| Clearview | $1,991 | 4% |
| Clinton | $1,692 | -11% |
| Clover Creek | $2,215 | 16% |
| Clyde Hill | $2,040 | 7% |
| Colbert | $1,855 | -3% |
| Colfax | $1,543 | -19% |
| College Place | $1,692 | -11% |
| Colton | $1,659 | -13% |
| Colville | $1,697 | -11% |
| Conconully | $1,679 | -12% |
| Concrete | $1,705 | -11% |
| Connell | $1,624 | -15% |
| Copalis Beach | $1,669 | -13% |
| Copalis Crossing | $1,681 | -12% |
| Cosmopolis | $1,703 | -11% |
| Cottage Lake | $2,009 | 5% |
| Cougar | $1,867 | -2% |
| Coulee City | $1,624 | -15% |
| Coulee Dam | $1,638 | -14% |
| Country Homes | $1,800 | -6% |
| Coupeville | $1,578 | -17% |
| Covington | $2,206 | 16% |
| Cowiche | $1,717 | -10% |
| Creston | $1,627 | -15% |
| Crocker | $2,022 | 6% |
| Curlew | $1,722 | -10% |
| Curtis | $1,809 | -5% |
| Cusick | $1,763 | -8% |
| Custer | $1,663 | -13% |
| Dallesport | $1,689 | -11% |
| Danville | $1,766 | -7% |
| Darrington | $1,752 | -8% |
| Davenport | $1,640 | -14% |
| Dayton | $1,597 | -16% |
| Deer Harbor | $1,605 | -16% |
| Deer Park | $1,762 | -8% |
| Deming | $1,693 | -11% |
| Des Moines | $2,260 | 18% |
| Dixie | $1,618 | -15% |
| Doty | $1,766 | -7% |
| Dryden | $1,671 | -12% |
| DuPont | $2,002 | 5% |
| Duluth | $1,868 | -2% |
| Duvall | $2,012 | 5% |
| East Cathlamet | $1,767 | -7% |
| East Hill-Meridian | $2,233 | 17% |
| East Olympia | $1,817 | -5% |
| East Port Orchard | $1,711 | -10% |
| East Renton Highlands | $2,182 | 14% |
| East Wenatchee | $1,609 | -16% |
| Eastgate | $2,073 | 9% |
| Eastmont | $2,014 | 6% |
| Easton | $1,734 | -9% |
| Eastsound | $1,540 | -19% |
| Eatonville | $1,909 | 0% |
| Edgewood | $2,131 | 12% |
| Edmonds | $2,156 | 13% |
| Edwall | $1,687 | -12% |
| Elbe | $1,898 | -1% |
| Electric City | $1,593 | -17% |
| Elk | $1,822 | -5% |
| Elk Plain | $2,191 | 15% |
| Ellensburg | $1,611 | -16% |
| Elma | $1,691 | -11% |
| Elmer City | $1,667 | -13% |
| Eltopia | $1,636 | -14% |
| Endicott | $1,532 | -20% |
| Entiat | $1,725 | -10% |
| Enumclaw | $2,004 | 5% |
| Ephrata | $1,604 | -16% |
| Erlands Point-Kitsap Lake | $1,667 | -13% |
| Esperance | $2,140 | 12% |
| Ethel | $1,859 | -3% |
| Evans | $1,774 | -7% |
| Everett | $2,050 | 7% |
| Everson | $1,666 | -13% |
| Fairchild AFB | $1,747 | -8% |
| Fairfield | $1,691 | -11% |
| Fairwood | $2,067 | 8% |
| Fall City | $2,067 | 8% |
| Farmington | $1,640 | -14% |
| Federal Way | $2,295 | 20% |
| Felida | $1,907 | 0% |
| Fern Prairie | $1,849 | -3% |
| Ferndale | $1,615 | -15% |
| Fife | $2,204 | 15% |
| Fife Heights | $2,247 | 18% |
| Finley | $1,603 | -16% |
| Fircrest | $2,190 | 15% |
| Five Corners | $1,946 | 2% |
| Fobes Hill | $1,918 | 0% |
| Ford | $1,715 | -10% |
| Fords Prairie | $1,702 | -11% |
| Forks | $1,572 | -18% |
| Fort Lewis | $2,126 | 11% |
| Four Lakes | $1,681 | -12% |
| Fox Island | $1,915 | 0% |
| Frederickson | $2,217 | 16% |
| Freeland | $1,618 | -15% |
| Friday Harbor | $1,524 | -20% |
| Fruitland | $1,698 | -11% |
| Galvin | $1,799 | -6% |
| Garfield | $1,587 | -17% |
| Garrett | $1,624 | -15% |
| Geneva | $1,605 | -16% |
| George | $1,596 | -16% |
| Gifford | $1,717 | -10% |
| Gig Harbor | $1,893 | -1% |
| Gleed | $1,691 | -11% |
| Glenoma | $1,791 | -6% |
| Glenwood | $1,678 | -12% |
| Gold Bar | $1,937 | 2% |
| Goldendale | $1,636 | -14% |
| Graham | $2,178 | 14% |
| Grand Coulee | $1,625 | -15% |
| Grand Mound | $1,752 | -8% |
| Grandview | $1,667 | -13% |
| Granger | $1,643 | -14% |
| Granite Falls | $1,932 | 1% |
| Grapeview | $1,790 | -6% |
| Grayland | $1,682 | -12% |
| Grays River | $1,785 | -6% |
| Greenacres | $1,649 | -14% |
| Greenbank | $1,625 | -15% |
| Hamilton | $1,682 | -12% |
| Hansville | $1,702 | -11% |
| Harrah | $1,706 | -11% |
| Harrington | $1,666 | -13% |
| Hartline | $1,627 | -15% |
| Hay | $1,522 | -20% |
| Hazel Dell | $1,932 | 1% |
| Heisson | $1,880 | -1% |
| High Bridge | $1,979 | 4% |
| Hobart | $2,087 | 9% |
| Hockinson | $1,943 | 2% |
| Home | $1,969 | 3% |
| Hoodsport | $1,762 | -8% |
| Hooper | $1,540 | -19% |
| Hoquiam | $1,655 | -13% |
| Humptulips | $1,712 | -10% |
| Hunters | $1,683 | -12% |
| Hunts Point | $2,040 | 7% |
| Husum | $1,669 | -13% |
| Ilwaco | $1,751 | -8% |
| Inchelium | $1,735 | -9% |
| Index | $1,910 | 0% |
| Indianola | $1,702 | -11% |
| Inglewood-Finn Hill | $2,027 | 6% |
| Ione | $1,735 | -9% |
| Issaquah | $2,026 | 6% |
| Joyce | $1,557 | -18% |
| Kahlotus | $1,696 | -11% |
| Kalama | $1,748 | -8% |
| Kapowsin | $2,020 | 6% |
| Keller | $1,684 | -12% |
| Kelso | $1,707 | -11% |
| Kenmore | $2,113 | 11% |
| Kennewick | $1,627 | -15% |
| Kent | $2,276 | 19% |
| Kettle Falls | $1,719 | -10% |
| Key Center | $1,887 | -1% |
| Keyport | $1,659 | -13% |
| Kingsgate | $2,027 | 6% |
| Kingston | $1,722 | -10% |
| Kirkland | $2,005 | 5% |
| Klahanie | $2,014 | 6% |
| Klickitat | $1,716 | -10% |
| La Center | $1,868 | -2% |
| La Conner | $1,593 | -17% |
| La Grande | $1,999 | 5% |
| La Push | $1,584 | -17% |
| LaCrosse | $1,551 | -19% |
| Lacey | $1,815 | -5% |
| Lake Cassidy | $1,892 | -1% |
| Lake Forest Park | $2,178 | 14% |
| Lake Holm | $2,228 | 17% |
| Lake Ketchum | $1,731 | -9% |
| Lake Marcel-Stillwater | $2,024 | 6% |
| Lake Morton-Berrydale | $2,224 | 17% |
| Lake Shore | $1,923 | 1% |
| Lake Stevens | $1,929 | 1% |
| Lake Stickney | $2,107 | 10% |
| Lake Tapps | $2,046 | 7% |
| Lakebay | $1,969 | 3% |
| Lakeland North | $2,271 | 19% |
| Lakeland South | $2,290 | 20% |
| Lakewood | $2,192 | 15% |
| Lamona | $1,616 | -15% |
| Lamont | $1,591 | -17% |
| Langley | $1,654 | -13% |
| Larch Way | $2,139 | 12% |
| Latah | $1,758 | -8% |
| Laurier | $1,708 | -11% |
| Leavenworth | $1,628 | -15% |
| Lebam | $1,748 | -8% |
| Lewisville | $1,930 | 1% |
| Liberty Lake | $1,655 | -13% |
| Lilliwaup | $1,776 | -7% |
| Lincoln | $1,643 | -14% |
| Lind | $1,666 | -13% |
| Littlerock | $1,760 | -8% |
| Lochsloy | $1,926 | 1% |
| Lofall | $1,663 | -13% |
| Long Beach | $1,792 | -6% |
| Longbranch | $1,976 | 4% |
| Longmire | $1,964 | 3% |
| Longview | $1,719 | -10% |
| Longview Heights | $1,719 | -10% |
| Loomis | $1,763 | -8% |
| Loon Lake | $1,792 | -6% |
| Lopez Island | $1,537 | -19% |
| Lummi Island | $1,633 | -14% |
| Lyle | $1,682 | -12% |
| Lyman | $1,678 | -12% |
| Lynden | $1,627 | -15% |
| Lynnwood | $2,131 | 12% |
| Mabton | $1,680 | -12% |
| Machias | $1,926 | 1% |
| Malaga | $1,638 | -14% |
| Malden | $1,724 | -10% |
| Malo | $1,757 | -8% |
| Malone | $1,684 | -12% |
| Malott | $1,675 | -12% |
| Maltby | $2,010 | 5% |
| Manchester | $1,711 | -10% |
| Mansfield | $1,627 | -15% |
| Manson | $1,618 | -15% |
| Maple Falls | $1,727 | -9% |
| Maple Heights-Lake Desire | $2,201 | 15% |
| Maple Valley | $2,077 | 9% |
| Maplewood | $1,905 | 0% |
| Marblemount | $1,726 | -10% |
| Marcus | $1,749 | -8% |
| Marietta-Alderwood | $1,601 | -16% |
| Marlin | $1,591 | -17% |
| Marrowstone | $1,602 | -16% |
| Marshall | $1,675 | -12% |
| Martha Lake | $2,082 | 9% |
| Marysville | $1,951 | 2% |
| Matlock | $1,762 | -8% |
| Mattawa | $1,607 | -16% |
| Mazama | $1,894 | -1% |
| McChord AFB | $2,127 | 11% |
| McCleary | $1,691 | -11% |
| McMillin | $2,022 | 6% |
| Mckenna | $2,019 | 6% |
| Mead | $1,756 | -8% |
| Meadow Glade | $1,930 | 1% |
| Meadowdale | $2,140 | 12% |
| Medical Lake | $1,722 | -10% |
| Medina | $2,048 | 7% |
| Menlo | $1,745 | -9% |
| Mercer Island | $2,131 | 12% |
| Mesa | $1,620 | -15% |
| Metaline | $1,723 | -10% |
| Metaline Falls | $1,753 | -8% |
| Methow | $1,720 | -10% |
| Mica | $1,704 | -11% |
| Midland | $2,310 | 21% |
| Mill Creek | $2,063 | 8% |
| Mill Creek East | $2,039 | 7% |
| Millwood | $1,725 | -10% |
| Milton | $2,216 | 16% |
| Mineral | $1,888 | -1% |
| Minnehaha | $1,960 | 3% |
| Mirrormont | $2,021 | 6% |
| Moclips | $1,790 | -6% |
| Mohler | $1,632 | -14% |
| Monitor | $1,630 | -15% |
| Monroe | $1,967 | 3% |
| Monroe North | $1,918 | 0% |
| Montesano | $1,635 | -14% |
| Morton | $1,750 | -8% |
| Moses Lake | $1,570 | -18% |
| Moses Lake North | $1,570 | -18% |
| Mossyrock | $1,707 | -11% |
| Mount Vernon | $1,623 | -15% |
| Mount Vista | $1,898 | -1% |
| Mountlake Terrace | $2,173 | 14% |
| Moxee | $1,647 | -14% |
| Mukilteo | $2,021 | 6% |
| Naches | $1,710 | -10% |
| Nahcotta | $1,819 | -5% |
| Napavine | $1,678 | -12% |
| Naselle | $1,805 | -5% |
| Navy Yard City | $1,667 | -13% |
| Neah Bay | $1,577 | -17% |
| Nespelem | $1,692 | -11% |
| Newcastle | $2,221 | 16% |
| Newman Lake | $1,679 | -12% |
| Newport | $1,772 | -7% |
| Nine Mile Falls | $1,777 | -7% |
| Nisqually Indian Community | $1,793 | -6% |
| Nooksack | $1,722 | -10% |
| Nordland | $1,602 | -16% |
| Normandy Park | $2,252 | 18% |
| North Bend | $1,962 | 3% |
| North Bonneville | $1,788 | -6% |
| North Fort Lewis | $2,125 | 11% |
| North Lakewood | $1,937 | 1% |
| North Lynnwood | $2,129 | 12% |
| North Puyallup | $2,143 | 12% |
| North Yelm | $1,903 | 0% |
| Northport | $1,738 | -9% |
| Oak Harbor | $1,565 | -18% |
| Oakesdale | $1,579 | -17% |
| Oakville | $1,729 | -9% |
| Ocean Park | $1,798 | -6% |
| Ocean Shores | $1,635 | -14% |
| Odessa | $1,650 | -14% |
| Okanogan | $1,675 | -12% |
| Olalla | $1,800 | -6% |
| Olga | $1,585 | -17% |
| Olympia | $1,767 | -7% |
| Omak | $1,688 | -12% |
| Onalaska | $1,724 | -10% |
| Orchards | $1,977 | 4% |
| Orient | $1,743 | -9% |
| Orondo | $1,667 | -13% |
| Oroville | $1,684 | -12% |
| Orting | $2,010 | 5% |
| Othello | $1,619 | -15% |
| Otis Orchards | $1,665 | -13% |
| Otis Orchards-East Farms | $1,672 | -12% |
| Outlook | $1,705 | -11% |
| Oysterville | $1,816 | -5% |
| Pacific | $2,257 | 18% |
| Pacific Beach | $1,686 | -12% |
| Packwood | $1,809 | -5% |
| Palisades | $1,654 | -13% |
| Palouse | $1,567 | -18% |
| Paradise Inn | $1,977 | 4% |
| Parker | $1,705 | -11% |
| Parkland | $2,296 | 20% |
| Parkwood | $1,711 | -10% |
| Pasco | $1,653 | -13% |
| Pateros | $1,686 | -12% |
| Paterson | $1,662 | -13% |
| Pe Ell | $1,779 | -7% |
| Peaceful Valley | $1,727 | -9% |
| Peshastin | $1,666 | -13% |
| Picnic Point | $2,124 | 11% |
| Plymouth | $1,651 | -14% |
| Point Roberts | $1,671 | -12% |
| Pomeroy | $1,639 | -14% |
| Port Angeles | $1,550 | -19% |
| Port Angeles East | $1,547 | -19% |
| Port Gamble | $1,713 | -10% |
| Port Gamble Tribal Comunity | $1,722 | -10% |
| Port Hadlock | $1,586 | -17% |
| Port Hadlock-Irondale | $1,586 | -17% |
| Port Ludlow | $1,593 | -17% |
| Port Orchard | $1,725 | -10% |
| Port Townsend | $1,531 | -20% |
| Poulsbo | $1,663 | -13% |
| Prairie Heights | $1,993 | 4% |
| Prairie Ridge | $2,046 | 7% |
| Prescott | $1,643 | -14% |
| Preston | $2,044 | 7% |
| Prosser | $1,596 | -16% |
| Puget Island | $1,767 | -7% |
| Pullman | $1,649 | -14% |
| Purdy | $1,905 | 0% |
| Puyallup | $2,121 | 11% |
| Quilcene | $1,595 | -16% |
| Quinault | $1,665 | -13% |
| Quincy | $1,596 | -16% |
| Rainier | $1,867 | -2% |
| Randle | $1,785 | -6% |
| Ravensdale | $2,072 | 9% |
| Raymond | $1,741 | -9% |
| Reardan | $1,701 | -11% |
| Redmond | $2,021 | 6% |
| Renton | $2,230 | 17% |
| Republic | $1,724 | -10% |
| Retsil | $1,836 | -4% |
| Rice | $1,757 | -8% |
| Richland | $1,571 | -18% |
| Ridgefield | $1,868 | -2% |
| Ritzville | $1,566 | -18% |
| Riverbend | $1,952 | 2% |
| Riverside | $1,693 | -11% |
| Riverton | $2,411 | 26% |
| Rochester | $1,770 | -7% |
| Rock Island | $1,671 | -12% |
| Rockford | $1,707 | -11% |
| Rockport | $1,789 | -6% |
| Rocky Point | $1,667 | -13% |
| Rollingbay | $1,776 | -7% |
| Ronald | $1,655 | -13% |
| Roosevelt | $1,634 | -14% |
| Rosalia | $1,592 | -17% |
| Rosburg | $1,734 | -9% |
| Rosedale | $1,905 | 0% |
| Roslyn | $1,663 | -13% |
| Roy | $2,015 | 6% |
| Royal City | $1,593 | -17% |
| Ryderwood | $1,869 | -2% |
| SEATAC | $2,333 | 22% |
| Salkum | $1,797 | -6% |
| Salmon Creek | $1,917 | 0% |
| Sammamish | $2,008 | 5% |
| Satsop | $1,673 | -12% |
| Seabeck | $1,688 | -12% |
| Seahurst | $2,229 | 17% |
| Seattle | $2,241 | 17% |
| Seaview | $1,788 | -6% |
| Sedro-Woolley | $1,659 | -13% |
| Sekiu | $1,573 | -18% |
| Selah | $1,655 | -13% |
| Sequim | $1,532 | -20% |
| Shadow Lake | $2,125 | 11% |
| Shaw Island | $1,634 | -14% |
| Shelton | $1,733 | -9% |
| Shoreline | $2,196 | 15% |
| Silvana | $1,790 | -6% |
| Silver Creek | $1,634 | -14% |
| Silver Firs | $2,021 | 6% |
| Silverdale | $1,649 | -14% |
| Silverlake | $1,741 | -9% |
| Sisco Heights | $1,822 | -5% |
| Skamokawa Valley | $1,818 | -5% |
| Skokomish | $1,733 | -9% |
| Skykomish | $1,965 | 3% |
| Snohomish | $1,942 | 2% |
| Snoqualmie | $1,961 | 3% |
| Snoqualmie Pass | $1,860 | -3% |
| Soap Lake | $1,607 | -16% |
| South Bend | $1,730 | -9% |
| South Cle Elum | $1,669 | -13% |
| South Colby | $1,704 | -11% |
| South Creek | $2,083 | 9% |
| South Hill | $2,141 | 12% |
| South Prairie | $2,001 | 5% |
| South Wenatchee | $1,628 | -15% |
| Southworth | $1,711 | -10% |
| Spanaway | $2,231 | 17% |
| Spangle | $1,682 | -12% |
| Spokane | $1,791 | -6% |
| Spokane Valley | $1,712 | -10% |
| Sprague | $1,683 | -12% |
| Springdale | $1,814 | -5% |
| St. John | $1,586 | -17% |
| Stansberry Lake | $1,896 | -1% |
| Stanwood | $1,731 | -9% |
| Startup | $1,922 | 1% |
| Stehekin | $1,753 | -8% |
| Steilacoom | $2,128 | 12% |
| Steptoe | $1,710 | -10% |
| Stevenson | $1,768 | -7% |
| Stratford | $1,584 | -17% |
| Sudden Valley | $1,600 | -16% |
| Sultan | $1,922 | 1% |
| Sumas | $1,716 | -10% |
| Summit | $2,138 | 12% |
| Summit View | $2,145 | 12% |
| Sumner | $2,125 | 11% |
| Sunnyside | $1,661 | -13% |
| Sunnyslope | $1,628 | -15% |
| Suquamish | $1,697 | -11% |
| Tacoma | $2,284 | 20% |
| Taholah | $1,654 | -13% |
| Tahuya | $1,764 | -8% |
| Tanglewilde | $1,816 | -5% |
| Tanner | $1,962 | 3% |
| Tekoa | $1,597 | -16% |
| Tenino | $1,826 | -4% |
| Terrace Heights | $1,671 | -12% |
| Thornton | $1,557 | -18% |
| Thorp | $1,694 | -11% |
| Three Lakes | $1,918 | 0% |
| Tieton | $1,722 | -10% |
| Tokeland | $1,779 | -7% |
| Toledo | $1,732 | -9% |
| Tonasket | $1,681 | -12% |
| Toppenish | $1,671 | -12% |
| Touchet | $1,651 | -14% |
| Toutle | $1,754 | -8% |
| Town and Country | $1,772 | -7% |
| Tracyton | $1,702 | -11% |
| Trout Lake | $1,687 | -12% |
| Tukwila | $2,355 | 23% |
| Tumtum | $1,795 | -6% |
| Tumwater | $1,742 | -9% |
| Twisp | $1,646 | -14% |
| Underwood | $1,833 | -4% |
| Union | $1,779 | -7% |
| Union Gap | $1,670 | -12% |
| Union Hill-Novelty Hill | $2,072 | 9% |
| Uniontown | $1,618 | -15% |
| University Place | $2,189 | 15% |
| Usk | $1,721 | -10% |
| Vader | $1,766 | -7% |
| Valley | $1,771 | -7% |
| Valleyford | $1,694 | -11% |
| Vancouver | $1,947 | 2% |
| Vantage | $1,623 | -15% |
| Vashon | $1,862 | -2% |
| Vaughn | $1,887 | -1% |
| Venersborg | $1,930 | 1% |
| Veradale | $1,734 | -9% |
| Wahkiacus | $1,795 | -6% |
| Waitsburg | $1,619 | -15% |
| Waldron | $1,634 | -14% |
| Walla Walla | $1,624 | -15% |
| Walla Walla East | $1,624 | -15% |
| Waller | $2,143 | 12% |
| Wallula | $1,624 | -15% |
| Walnut Grove | $1,948 | 2% |
| Wapato | $1,676 | -12% |
| Warden | $1,565 | -18% |
| Warm Beach | $1,731 | -9% |
| Washougal | $1,854 | -3% |
| Washtucna | $1,594 | -16% |
| Waterville | $1,640 | -14% |
| Wauconda | $1,765 | -8% |
| Wauna | $1,896 | -1% |
| Waverly | $1,693 | -11% |
| Wellpinit | $1,772 | -7% |
| Wenatchee | $1,628 | -15% |
| West Clarkston-Highland | $1,573 | -18% |
| West Pasco | $1,653 | -13% |
| West Richland | $1,590 | -17% |
| West Side Highway | $1,713 | -10% |
| Westport | $1,654 | -13% |
| Whidbey Island Station | $1,572 | -18% |
| White Center | $2,368 | 24% |
| White Salmon | $1,657 | -13% |
| White Swan | $1,685 | -12% |
| Wilbur | $1,648 | -14% |
| Wilderness Rim | $1,952 | 2% |
| Wilkeson | $1,996 | 5% |
| Winlock | $1,747 | -8% |
| Winthrop | $1,742 | -9% |
| Wishram | $1,692 | -11% |
| Wollochet | $1,878 | -2% |
| Woodinville | $2,029 | 6% |
| Woodland | $1,814 | -5% |
| Woods Creek | $1,967 | 3% |
| Woodway | $2,172 | 14% |
| Yacolt | $1,901 | 0% |
| Yakima | $1,686 | -12% |
| Yarrow Point | $2,040 | 7% |
| Yelm | $1,903 | 0% |
| Zillah | $1,666 | -13% |
Minimum coverage for car insurance in Washington
| Coverage | Required minimum limit |
|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $10,000 |
Your agent is also required to offer uninsured motorist Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. You can also get uninsured motorist protection for your car. coverage and personal injury protection Personal injury protection covers you and your passengers for injuries, regardless of fault for an accident. It also covers lost wages, essential services and funeral expenses. . Although they are good to have, you can reject both.
How to get SR-22 insurance in Washington
You usually need an SR-22 to reinstate your license after offenses like DUI, reckless driving or certain insurance violations.
It’s good to be up-front about an SR-22 requirement when you shop for insurance. This lets the companies you contact give you accurate quotes. You also need to make sure the company you choose submits your SR-22 certificate to the state.
Many companies add a small SR-22 filing fee to your rate. Your overall insurance rate depends largely on the incident that led to the filing requirement. You generally pay more for SR-22 car insurance after a DUI than you do after a lesser offense.
The good news is that you can eventually start getting lower rates again if you avoid tickets and accidents. In the meantime, it’s good to compare quotes and shop around to find cheap SR-22 insurance.
Frequently asked questions
Car insurance costs an average of $1,908 a year in Washington state for full coverage, or $159 a month. Minimum-coverage policies cost an average of $62 a year. You’ll pay more if you have a ticket or accident on your driving record, or if you have bad credit.
State Farm has the cheapest car insurance for most Washington drivers. American Family has the cheapest rates for drivers with a DUI or bad credit. Since each company’s rates vary by customer, it’s good to get quotes from multiple companies when you shop.
Getting car insurance is the easiest way to meet Washington’s proof of financial responsibility requirement. As an alternative, you get a bond or certificate of deposit. The penalties for driving without insurance include a $550 fine. Your license can be suspended if you injure someone or cause more than $1,000 in damage while driving without insurance.