Auto Insurance in Washington State
Washington’s auto insurance rates are on the low side — on average $1,339 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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One of the most well-known facts about Washington is that it rains a lot (although that’s actually statistically questionable), which can lead to increased car accidents. If you are worried about hydroplaning on a wet road or driving with limited visibility, you should ensure you obtain extensive car insurance. In some areas, such as near the Olympic Mountains and the Cascade Mountains, snowy conditions can lead to scary, expensive accidents.
Washington Minimum Liability
In Washington, the minimum car insurance you have to obtain is 25/50/10. This means that with minimum coverage, you can expect your policy to pay up to $25,000 per person and $50,000 per car accident for any bodily injuries that occur. The property damage coverage will pay up to $10,000. Although this is the state minimum, the recommended minimum is actually 50/100, or $50,000 per person and $100,000 per accident for bodily injuries. However, if you could get 100/300 or more, you would be in a better position in case of an accident.
The average property damage claim in 2013 was $3,231; similarly, the average auto liability claim for bodily injury was $15,443. This indicates that although your Washington minimum car insurance coverage could pay for at least this amount, you never know when your accident expenses will be much higher than the average. Since you’d need to pay any remaining costs out-of-pocket after your insurance policy is exhausted, you could be responsible for thousands of dollars if you have just the minimum state coverage.
Before you agree to any car insurance quotes, keep in mind that you can, and are encouraged, to comparison shop. Collecting quotes from at least a few companies in Washington could help you get the best coverage for a reasonable cost.
Cheapest Car Insurance in Washington
- $1,204State Farm
If you hope to find the most affordable Washington car insurance policy, you can use this list to start your search. We chose these companies based on their ability to offer cheap rates on premiums.
While you may find low-cost insurance for Washington drivers appealing, you should avoid making your selection based on just the price of the premiums. Otherwise, you probably won’t find the quality you need in an insurance company; the claims process might also be more difficult than with other companies. Of course, if you have a low budget in mind for a policy, you can use this list of the cheapest insurance companies to get started.
Most Popular Companies by Marketshare
- State Farm
The car insurance companies on this list are known as the most popular options in Washington, since they take special care to meet the needs of the drivers in this state.
In addition, they tend to have impressive ad budgets, which allows more people in Washington to see their advertisements. For this reason, keep in mind that the most popular companies in this state are not necessarily the best. You should request rate quotes from a variety of companies, including popular and less-popular companies.
Choosing the Best Car Insurance in Washington
The listed insurers are considered among the top auto insurance companies in Washington. When searching for the best insurance company for you, consider companies that offer reasonably priced premiums and great coverage, along with above-average customer service, available discounts, a simple claims process, and a stable financial situation.
During your search for the top-rated car insurance company in Washington, look for one you could see yourself staying with for years. The good news is that the best Washington insurance companies have been able to retain and satisfy customers for years or even decades.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
As you search for car insurance in Washington, you’ll likely see that prices vary from one city to the next. In general, larger cities in this state have higher rates for insurance. For instance, Seattle and Tacoma are more populated cities, and their rates are among the highest in the state.
Just as in most states, the suburbs of the big cities tend to have lower car insurance rates. Granted, there are some exceptions, since some smaller cities in Washington, such as Lakewood, have high rates. It’s important that you obtain quotes from a few Washington car insurance companies, regardless of the city in which you live.
Bellevue Auto Insurance
Bellevue, located near Seattle, has more than 130,000 residents. The rate for car insurance here is about the same as Vancouver’s; at under the state average, it’s fairly affordable compared to larger cities. An additional benefit of living in Bellevue is that you’re just a ferry ride away from Seattle, and you have a beautiful view of Lake Washington from various spots in this city.
Bellingham Auto Insurance
Bellingham is about as northwest as you can get in Washington. This peaceful city has about 82,000 residents and is located on Bellingham Bay, with Lake Whatcom bordering the east side of the city. However, the water views are not the best part of living here; the low car insurance rates might be the top features, since they’re among the lowest in Washington.
Everett Auto Insurance
This city has about 105,000 residents, and the average car insurance policy is a little cheaper than the state average. No matter where you live in Everett, you can rest assured you’re in a great location; this city is north of Seattle, just across from Whidbey Island. It’s also right next to Interstate 5, so you can get around quickly here, whether by boat or car…assuming you’re not sitting in some of Everett’s famous gridlocked traffic.
Federal Way Auto Insurance
This city has just 92,000 residents, but the premium rate here is nearly the same as Tacoma’s, which is among the highest in the state. Federal Way is located between Tacoma and Seattle, right on Poverty Bay. Public transportation is average, but there are fun attractions you can drive to without leaving the city. These attractions include the Pacific Bonsai Museum, Dash Point State Park, and Wild Waves Theme Park.
Kennewick Auto Insurance
Kennewick is home to about 77,000 people, and it’s located in southern Washington, just south of the Columbia River. If you live here, you can enjoy fairly low rates for car insurance, allowing you to get around this city without going over your auto insurance budget. Columbia Park and Canyon Lakes Golf Course are among the main attractions worth driving to in this city.
Kent Auto Insurance
Kent has about 125,000 residents, but the average car insurance rate here is more than other cities the same size. The higher price might be because it’s so close to Seattle and the popular Seattle-Tacoma International Airport. You don’t even have to leave this city to enjoy local attractions like Lake Meridian and Meridian Valley Country Club.
Lakewood Auto Insurance
Lakewood is south of Seattle and has about 58,000 residents. Although the bay is a few minutes away from this city, Lakewood does have a few lakes of its own. These features include Gravelly Lake, Steilacoom Lake, and American Lake. However, you will pay a price for living near all this beauty; the car insurance rates here tend to be among the highest in the state.
Renton Auto Insurance
Renton is another suburb, although this one is about 11 miles away from Seattle. About 97,000 people live here, and they pay around the same as Seattle residents, above the state average, for car insurance. Of course, since you’ll find part of the city on Lake Washington, you can always choose to ride on a ferry or a boat when you want a break from driving around the city.
Seattle Auto Insurance
Seattle has the highest population in the state, with more than 650,000 residents. It also has one of the most expensive average premium costs. If you live downtown, it’s easy to get by without a car, as many residents walk, ride their bikes, or take the bus. If you want to travel beyond the Space Needle and Pike Place Market, it will be helpful to have a car and proper insurance.
Shoreline Auto Insurance
Shoreline has about 78,000 residents, and it’s located on the coast, just north of Seattle. Despite the lower population, this city’s car insurance rates are more in line with Everett’s and even Seattle’s, putting it above the state average. The location and proximity to attractions like the Shoreline Historical Museum and Pacific Science Center make living in this area worth the car insurance rates.
Spokane Auto Insurance
Spokane is a rather well-known Washington city, despite having only 59,000 residents. You should know, however, that the car insurance rate is quite affordable and below the state average. It’s not near the coast, but this city does have several parks, malls, and trails worth exploring. Since your car insurance is so cheap here, you shouldn’t mind driving around the city to admire all it has to offer.
Tacoma Auto Insurance
Tacoma is one of the most populated place in Washington, with over 200,000 residents. Although its population is only a third of Seattle’s, the average rate for car insurance is higher. Luckily, there are lots of free attractions here to offset that expense. Examples include the Fort Steilacoom Park, W.W. Seymour Botanical Conservatory, and tours of the beautiful Port of Tacoma.
Vancouver Auto Insurance
You’re in luck if you’re one of the over 168,000 residents in Vancouver, since your car insurance rates are under the state’s average and quite below the rates in larger cities. The lower cost leaves you with more money to see local attractions that include the Columbia Gorge Riverboat, Ulysses S. Grant House, and the English Estate Winery.
Yakima Auto Insurance
Yakima has about 94,000 residents, most of whom get to enjoy low car insurance rates. In fact, the average premium rate here is on par with the national average, which is great for Washington. It’s closer to the middle of the state than the coast, but there is the scenic Yakima River to admire when you want a view of the water.
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