Washington Car Insurance Rates
Average insurance rates in Washington for 2019 are $1,088 a year for full coverage. Comprehensive insurance, collision, and liability coverage cost on average $242, $442, and $280, 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: $1,088
Premium estimates by type of coverage:
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 $332 for your basic liability-only policy to the much higher price of $2,342 for a driver who has had serious violations or accidents.
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.
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Recommended Companies for Cheap Washington Insurance
Chart shows Washington car insurance rates for different risks and coverage choices. The cheapest rate with discounts is $625. Washington drivers who use higher $1,000 deductibles will pay $932. The average rate for a 40-year-old male driver using $500 deductibles is $1,088. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cause an increase to $1,386. Drivers with multiple violations and accidents could be charged as much as $2,342. The rate for full coverage for a teen driver can get as high as $3,992.
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 $800 a year, whereas some areas in Tacoma and Federal Way may see rates upwards of $1,600. 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.
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.
|Rank||Company||Market Share||Average Rate|
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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 $460 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 $252 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.
|Make and Model||Premium||% to Avg|
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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 $1,000 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 $3,900 a year. View Rates by Age
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers ranges around 45% to 134% 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
- How Much are Auto Insurance Quotes in Washington?
- Best Cheap Insurance for a Honda CR-V in Washington
- How Much is Insurance for a Toyota RAV4 in Washington?
- Best Cheap Insurance Quotes for a Toyota Camry in Washington
- How Much Does Insurance Cost for a Honda Civic in Washington?
- Who Has the Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Washington?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$82|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.