Washington State Car Insurance

Washington State car insurance laws require drivers to carry 25/50/10 in minimum liability coverage. We recommended driving with at least full coverage car insurance even though this may raise your rates. The average Washington State auto insurance rate is $97/mo. Enter your ZIP code below to get your own Washington State car insurance quotes for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Washington State car insurance laws mandate minimum liability car insurance requirements however there are also many exceptions to the law. For example, if you own a motorcycle, classic car or even a moped you may very well not be subject to having to purchase mandatory auto insurance.

Driving with no insurance is NEVER a smart decision but if you do own any type of vehicle outside of typical private passenger cars then contact the Washington State DMV (the Washington State Department of Licensing is its formal name) to see how WA car insurance laws apply to you.

Washington State Car Insurance Requirements

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Auto insurance laws in Washington State require drivers to carry minimum levels of liability insurance or be subject to fines and possible suspension of both vehicle registration tags and driving privileges. Washington State minimum liability requirements currently (2010) are:

  • $25,000 bodily injury liability for accidents with one injured person
  • $50,000 combined bodily injury liability per accident (all persons)
  • $10,000 in property damage liability coverage

Washington State only requires liability insurance which means you will have no coverage for damages to your vehicle or injuries sustained by you in a car accident where you were deemed at-fault. Almost all states only have liability insurance requirements and while having this coverage will certainly prevent you from being fined for driving with no insurance it should never be considered as any type of full coverage in the event of an accident.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Washington Car Insurance Companies

With over 130 car insurance companies in Washington State drivers certainly have many options for a quality auto insurer. While many of the national insurers such as Geico, Progressive and State Farm have a large presence there are also many local and regional auto insurers who serve a substantial piece of the marketplace. The PEMCO Car Insurance Company is a prime example of a superb local insurer who has no presence outside of a particular state but within the borders of Washington is extremely well respected and commands a much larger market share than almost all of the national brands.

Car insurance comparison means doing your homework. Most states have well over 100 licensed auto insurers and Washington state is no different but the only way to find the best car insurance coverage for you and your family will be to learn about coverage and take the time for a good comparison search.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in WA.

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Washington.

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Six major factors affect auto insurance rates in WA. Which car insurance factors will affect your rates the most? Find out below:

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Who is the cheapest car insurance company in WA? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in Washington?

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Washington State Car Insurance Rates

Washington drivers not only enjoy a very long list of car insurance companies to choose from but also enjoy some of the lowest premiums in America. Car insurance rates for Washington State drivers average almost 15% lower than the national average!

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Washington Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Washington
Factors Affecting Car Insurance Rates in Washington
Washington Car Insurance Rates by Company vs. State Average
Washington Car Insurers by Market Share %