Washington Car Insurance Calculator
Calculate your auto insurance cost in Washington. Compare with state averages and find savings.
$1,534
Avg Annual Premium
25/50/10
Min Liability
Monthly Avg
$128
Full Coverage
$1,989
Min Coverage
$523
Uninsured Rate
16.1%
Washington Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($10,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Washington
Seattle trafficRainy conditionsPIP requirement
Major Metro Areas in Washington
SeattleSpokaneTacomaVancouverBellevue
FAQ
Washington Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Washington
The average annual car insurance premium in Washington is $1,534, or about $128 per month. Full coverage averages $1,989 annually, while minimum coverage averages $523. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Washington requires minimum liability coverage of 25/50/10 ($25,000/$50,000 for bodily injury and $10,000 for property damage). Washington also requires Personal Injury Protection (PIP) with a minimum of $10,000.
Key factors affecting Washington car insurance rates include: Seattle traffic, Rainy conditions, PIP requirement. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 16.1% of drivers in Washington are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Washington car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Washington include: State Farm, GEICO, Progressive, Farmers, Pemco. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
WA Insurance Costs
Average premiums in Washington:
- Annual Average$1,534
- Monthly Average$128
- Full Coverage$1,989
- Minimum Coverage$523
WA Requirements
Minimum coverage required:
- Liability25/50/10
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate16.1%
Top WA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farmers
- •Pemco