Washington Car Insurance Rates

Average insurance rates in Washington for 2018 are $1,176 a year for full coverage. Comprehensive insurance, collision, and liability coverage cost on average $262, $478, and $304, respectively. Tacoma and Federal Way have more expensive auto insurance rates, and the three most popular companies in Washington are State Farm, Liberty Mutual, and Allstate.

Average rate for full coverage: $1,176

Premium estimates by type of coverage:

Comprehensive $262
Collision $478
Liability $304

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Auto Insurance in Washington

For a driver in their 40's, prices go from the low end price of $360 for your basic liability-only policy to the much higher price of $2,542 for a driver who has had serious violations or accidents.

Liability Only $360
Full Coverage $1,176
High Risk $2,542

These differences show why everyone should get quotes based on a specific location, rather than using average rates.

Use the form below to get accurate rates for your location.

Enter your Washington zip code below to view companies that have cheap auto insurance rates.

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Washington car insurance rate comparison chart
Column chart showing Washington car insurance prices range from $674 to $4,330 for full coverage

Chart shows Washington car insurance rates for different risks and coverage choices. The cheapest rate with discounts is $674. Washington drivers who use higher $1,000 deductibles will pay $1,008. The average rate for a 40-year-old male driver using $500 deductibles is $1,176. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cause an increase to $1,502. Drivers with multiple violations and accidents could be charged as much as $2,542. The rate for full coverage for a teen driver can get as high as $4,330.

Car insurance rates in Washington can also vary considerably based on your vehicle choice, how you drive, and policy deductibles and limits.

Where you live in Washington plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion could see prices as low as $900 a year, whereas some areas in Tacoma and Federal Way may see rates upwards of $1,700. Geographically different areas with close proximity in the same city can have very different rates.

These price discrepancies demonstrate the importance of getting rates based on where you live in Washington.

View Chart as Image

Washington insurance rates by city

The company you buy your policy from has an impact on price. In each state, every insurer sets their own rates, and prices have large differences based on your risk profile. In Washington, car insurance prices range from $769 with Capital to as high as $4,017 with Sentry. Companies like Grange, Nationwide, and PEMCO generally fall somewhere towards the middle.

Those most likely are not the prices you would have to pay, as your Washington zip code, your motor vehicle report, and the vehicle you are insuring all factor in.

Washington Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm16.00%$1,153
2Liberty Mutual10.95%$1,283
3Allstate10.23%$1,936
4Geico9.37%$1,690
5Progressive7.96%$1,495
6Farmers Insurance7.87%$1,342
7USAA7.73%$1,071
8Pemco Mutual5.82%$984
9American Family3.58%$1,184
10The Hartford2.90%$1,069
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Using high physical damage deductibles can save as much as $500 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $273 extra every 12 months. View Rates by Deductible or Liability Limit

The make and model of vehicle you drive makes a big difference in the price you pay for auto insurance in Washington. Choosing to drive a more affordable and lower-performance vehicle will be cheaper to insure primarily due to lower cost for replacement parts and reduced frequency of accidents. This table shows auto insurance estimates for the best selling vehicles on the road in Washington.

Washington Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,2445.5%
Dodge Ram$1,2788%
Ford Escape$978-20.2%
Ford Focus$1,140-3.2%
Ford Fusion$1,2485.8%
Ford F-150$1,106-6.3%
GMC Acadia$1,082-8.7%
GMC Sierra$1,2223.8%
Honda Accord$1,098-7.1%
Honda Civic$1,2868.6%
Honda CR-V$952-23.5%
Honda Pilot$1,116-5.4%
Hyundai Sonata$1,1941.5%
Kia Optima$1,2183.4%
Nissan Altima$1,2123%
Nissan Rogue$1,1820.5%
Toyota Camry$1,2002%
Toyota Corolla$1,174-0.2%
Toyota Prius$1,094-7.5%
Toyota RAV4$1,110-5.9%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,300 a year. View Rates by Age

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes can be significantly different.

Washington Auto Insurance Articles

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Rates by Driver Age

Washington Insurance Rates by Driver Age
Driver AgePremium
16$4,330
20$2,718
30$1,232
40$1,176
50$1,074
60$1,054

Full coverage, $500 deductibles

Rates by Deductible

Washington Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,502
$250$1,352
$500$1,176
$1,000$1,008

Full coverage, driver age 40

Rates by Liability Limit

Washington Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,176
50/100$1,237
100/300$1,313
250/500$1,510
100 CSL$1,267
300 CSL$1,434
500 CSL$1,556

Full coverage, driver age 40

Rates for High Risk Drivers

Washington Car Insurance Rates for High Risk Drivers
AgePremium
16$6,186
20$4,318
30$2,602
40$2,542
50$2,422
60$2,402

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$63
Multi-vehicle$60
Homeowner$17
5-yr Accident Free$88
5-yr Claim Free$76
Paid in Full/EFT$55
Advance Quote$59
Online Quote$84
Total Discounts$502
Rate after discounts $674

Discounts are estimated and may not be available from every company or in every state.

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