Cheapest Car Insurance in Washington

PEMCO is the cheapest option for Washington drivers, offering minimum coverage policies at just $15 monthly and $184 annually. This rate presents a $496 annual savings compared to the state's average. These rates are sourced from Quadrant Information Services, reflecting the most affordable options in Washington as of December 2024. Read our research methodology to learn about how we found the cheapest Washington car insurance.

PEMCO is the cheapest car insurance company for most Washington drivers, with an average monthly cost of $33 for both state minimum and full coverage. This rate is $51 lower than the state's average. Other affordable options include Progressive, State Farm, Farmers and Kemper.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

PEMCO is the most affordable car insurance provider for both state minimum and full coverage for many drivers in the Evergreen State. However, your rate depends on your personal background. Below, we showcase affordable car insurance rates for various driver profiles.

Read More: Cheapest Car Insurance

Along with the cheapest rate offered by PEMCO, State Farm, Auto-Owners and Progressive also offer cheap minimum liability coverage for Washington drivers. Use the table below to explore rates for similar companies with the best minimum coverage rates in Washington, as well as how they compare to the monthly state average.

PEMCO provides the cheapest full coverage auto insurance in Washington, with rates averaging $50 per month or $605 per year. This is $61 less than the state's average cost. Check the table below for more provider options.

In Washington, young adult drivers fare best with PEMCO, offering the most affordable plans. For a 25-year-old, PEMCO's average minimum coverage is just $19 per month.

To determine the cheapest provider, we pulled quotes for minimum coverage policies for a 25-year-old driver with good credit and no driving violations.

PEMCO offers the cheapest rates car insurance for young drivers in Washington. Rates may vary based on your driving record and other factors, but the table below is a great starting point to find the best rates.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Washington can find affordable rates with PEMCO. The average cost is $17 per month for 65-year-olds seeking minimum coverage.

We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

In the Evergreen State, PEMCO offers the lowest rates for senior drivers. Whether you need minimum coverage at $17 or full coverage at $54, PEMCO has you covered. Rates may vary, but use the table below as a guide for your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Washington drivers with a DUI, at-fault accident or speeding ticket are considered high-risk by insurers and pay more for car insurance. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

PEMCO offers the best rates for Washington drivers with DUIs, averaging $27 per month ($324 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in the Evergreen State.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $22 per month ($259 per year),  PEMCO is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable coverage for drivers with accidents on their records. Rates are for minimum coverage policies.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

PEMCO offers the cheapest insurance for Washington drivers with a speeding ticket, with rates averaging $19 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

PEMCO is the cheapest car insurance provider for drivers with poor credit scores, offering rates as low as $19 per month and $232 annually for minimum coverage. Review the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your location plays a big part in your car insurance rates. Even in the same state, cities can have different rates because of things like how many people live there, flood risk and crime.

For example, PEMCO offers a monthly rate of $19 in Bellevue for the state minimum coverage, while in Spokane, the same coverage costs just $13. Check out the table below to see the most affordable car insurance in your city and the lowest average monthly premium.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

For Washingtonians, Allied offers the most affordable option to bundle home and auto insurance at $1,798. View more cheap companies for bundling policies in the table below.

Rates are for a 40 year old driver with good credit and no driving violations.

The monthly average cost for full coverage car insurance in Washington is $111, while minimum coverage averages at $57. By understanding the average cost of car insurance in Washington, you can gauge if you're getting a fair price on your policy.

In Washington, car insurance rates vary by city. See this table for average minimum and full coverage costs in your area.

Car insurance in Washington ranks 19th in cost compared to other states, making it more affordable than many, but not the cheapest. Car insurance in Washington is expensive due to factors like population density and vehicle theft rates contribute to these costs.

Under Washington law, all drivers must carry car insurance policies that meet the state's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

If you finance or lease your car, you're likely required to have comprehensive and collision insurance in addition to the minimum liability coverages. While a minimum coverage auto insurance policy is the most affordable option, it provides the least financial protection. For better financial security, experts recommend opting for full coverage insurance with the highest deductible and liability limits that fit your budget.

Drivers with serious traffic violations, like DUI or speeding, may need to file for SR-22 insurance, which can increase premiums. In Washington, either you or your insurance company can file the SR-22 form. It's valid for three years from your most recent offense. Your insurer will notify you if it's canceled.

In Washington, a common car insurance alternative is the certificate of deposit. It involves depositing $60,000 with the state treasury, which acts as a financial guarantee to meet the state's minimum coverage requirements. This option helps ensure you comply with the law without purchasing a standard insurance policy.

Business owners in Washington can opt for self-insurance if they own 25 or more vehicles. This means they set aside funds to cover potential claims, providing a flexible way to meet state requirements while managing a fleet of vehicles efficiently.

MoneyGeek recommends that drivers get full coverage car insurance. This includes protection for a range of incidents. Here's what we suggest for liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damages to your car from things like theft, vandalism, or severe weather when you're not on the road. Collision coverage, on the other hand, helps cover the costs if your car is damaged in an on-road collision.

If your car is valuable, it's smart to have both comprehensive and collision insurance, even if the law doesn't require it. Choose a deductible for these coverages that you can afford to pay out of pocket. This way, you're prepared before your insurance covers the remaining costs.

PEMCO offers Washington's most affordable car insurance, with full coverage at $50 and minimum coverage at just $15 a month. While saving money sounds great, the cheapest plan might not cover everything you need. Experts say buy the best coverage you can afford for safer travels.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Washington to ensure you get the right coverage for your situation.

MoneyGeek obtained Washington auto insurance rates from the Washington Department of Insurance and Quadrant Information Services. We examined 81,780 auto insurance quotes from 15 providers across 88 ZIP codes to determine the most affordable car insurance companies in Washington.

Washington Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Washington:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in Washington

We compared car insurance companies in Washington that offer both minimum and full coverage policies.

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Washington

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible