{"id":423112,"date":"2023-03-27T16:33:13","date_gmt":"2023-03-27T20:33:13","guid":{"rendered":"https:\/\/staging.automoblog.net\/?post_type=research&#038;p=423112"},"modified":"2024-02-05T15:16:13","modified_gmt":"2024-02-05T20:16:13","slug":"car-insurance-washington","status":"publish","type":"research","link":"https:\/\/staging.automoblog.net\/research\/insurance\/car-insurance-washington\/","title":{"rendered":"Cheapest Car Insurance Rates in Washington State"},"content":{"rendered":"\n<p><em><strong><em>Affiliate Disclosure:<\/em><\/strong><em> Automoblog and its partners may earn a commission if you purchase a plan from the car insurance providers outlined here. These commissions come to us at no additional cost to you. Our research team has carefully vetted dozens of car insurance providers. See our <\/em><a href=\"https:\/\/staging.automoblog.net\/about\/privacy-policy\/\"><em>Privacy Policy<\/em><\/a><em> to learn more.&nbsp;&nbsp;<\/em><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Crash Course:<\/h3>\n\n\n\n<ul>\n<li>Car insurance in Washington averages $50 per month for minimum-coverage policies and $124 monthly for full coverage.<\/li>\n\n\n\n<li>PEMCO offers the cheapest average rates in Washington state for minimum coverage, while Mutual of Enumclaw offers the cheapest full-coverage option.<\/li>\n\n\n\n<li>Washington car insurance is usually more expensive for high-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records.<\/li>\n<\/ul>\n\n\n<div class=\"three_ships_widget-wrapper zip_widget\" id=\"zip_widget-block_99733416369fd36b63ac2e99d4ccf214\">\n    <div class=\"three_ships_widget-table\">\n        <div class=\"table-head\"><\/div>\n        <div class=\"table-body has-background\" style=\"background-image: url(https:\/\/staging.automoblog.net\/wp-content\/uploads\/2020\/11\/AdobeStock_301154357.jpeg);\">\n            <div class=\"table-column\">\n                                <div class=\"title\">\n                    <h4>Compare Car Insurance Rates<\/h4>\n                <\/div>\n                                <div class=\"text\">\n                    <p>Enter your zip code to shop for the best rates in your area:<\/p>\n                <\/div>\n                                <div class=\"form-block\">\n                    <div class=\"form\">\n                        <input type=\"text\" name=\"zip-code\" placeholder=\"Zip Code\">\n<!--                        <button type=\"button\" class=\"btn btn-primary zip-button full\" data-link=\"--><!--\">--><!--<\/button>-->\n                        <a data-segment-action=\"click\" href=\"https:\/\/automoblog.everquote.com\/form\/?tid=2777&#038;zip_code={zip}&#038;subid=pro&#038;subid2=amb&#038;subid3=car-insurance-washington-amb-zipcta\" class=\"btn btn-primary zip-button full\" rel=\"noopener\">See Rates<\/a>\n                    <\/div>\n\t                                        <div class=\"button-disclaimer\">\n\t                        <p>On Our Partner&#8217;s Website<\/p>\n                        <\/div>\n\t                                <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"table-footer\">\n            <div class=\"top\">\n                            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/staging.automoblog.net\/research\/insurance\/cheapest-car-insurance\/\">cheapest car insurance<\/a> in Washington state generally comes from PEMCO, which has an average rate estimate of $14 per month for minimum coverage. USAA also offers cheap premiums to Washington drivers, making it another excellent choice.<\/p>\n\n\n\n<p>Our team considered cost data, coverage choices, customer scores, and industry reputations to discover which companies offer the <a href=\"https:\/\/staging.automoblog.net\/research\/insurance\/best-car-insurance-comparison\/\">best car insurance<\/a> in Washington. We\u2019ll unpack each provider\u2019s average rates to show where you can find superb coverage and reasonable prices across the Evergreen State.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Best Car Insurance Rates in Washington<\/h2>\n\n\n\t<div class=\"three_ships_widget-wrapper collapsable_content_widget\" id=\"collapsable_content_widget-block_b5cd2e03737fe6b9c9a291c9acbd0625\" style=\"height: 235px;\">\n\t\n\n\n<p>PEMCO, USAA, and State Farm commonly provide some of the cheapest auto insurance rates to residents of Washington. This isn\u2019t always the case, though, so get quotes from various options to find out which company has the lowest prices for your car.<\/p>\n\n\n\n<ul>\n<li>Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Washington. We used this data to determine the cheapest coverage options from quality car insurance providers, and you\u2019ll find details in tables throughout the article.<\/li>\n\n\n\n<li>To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.<\/li>\n\n\n\n<li>Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.<\/li>\n<\/ul>\n\n\n\t\t<div class=\"show-more-bar\">\n\t\t\t<span>Show more<\/span>\n\t\t\t<span>Show less<\/span>\n\t\t<\/div>\n\t<\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\">Washington Car Insurance Rates at a Glance<\/h3>\n\n\n\n<p>You\u2019ll find detailed cost estimates in the sections below, but we\u2019ve listed out the cheapest car insurance companies in Washington for a few driver profiles right here:<\/p>\n\n\n\n<ul>\n<li><strong>Cheapest full coverage<\/strong>: Mutual of Enumclaw followed by State Farm<\/li>\n\n\n\n<li><strong>Cheapest minimum coverage<\/strong>: PEMCO followed by USAA<\/li>\n\n\n\n<li><strong>Cheapest for teen drivers<\/strong>: State Farm followed by Travelers<\/li>\n\n\n\n<li><strong>Cheapest for drivers with a traffic violation<\/strong>: PEMCO followed by USAA<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cheapest Car Insurance Companies in Washington<\/h2>\n\n\n\n<p>Below, we\u2019ve listed out a few auto insurance providers that offer good prices and exceptional coverage in Washington. While PEMCO has the Evergreen State\u2019s cheapest rates overall, State Farm received the highest score of any company we researched.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Overall Rating<\/strong><\/td><td><strong>Average Monthly Rate: Minimum Coverage<\/strong><\/td><td><strong>Average Monthly Rate: Full Coverage<\/strong><\/td><td><strong>Number of Discounts<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>4.6<\/td><td>$42<\/td><td>$73<\/td><td>12<\/td><\/tr><tr><td>USAA<\/td><td>4.5<\/td><td>$23<\/td><td>$271<\/td><td>13<\/td><\/tr><tr><td>GEICO<\/td><td>4.4<\/td><td>$47<\/td><td>$100<\/td><td>16<\/td><\/tr><tr><td>Travelers<\/td><td>4.6<\/td><td>$39<\/td><td>$152<\/td><td>16<\/td><\/tr><tr><td>PEMCO<\/td><td>4.3<\/td><td>$14<\/td><td>$111<\/td><td>17<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Cheapest Car Insurance Coverage in Washington<\/h2>\n\n\n\n<p>The cheapest car insurance in Washington is pretty much always minimum-liability coverage. While this will meet the state\u2019s basic car insurance requirements, it won\u2019t protect your own vehicle or take care of personal bodily injuries.<\/p>\n\n\n\n<p>Getting a Washington auto insurance policy with full coverage will keep your own car safe and cover personal medical bills. This will cost significantly more than minimum coverage but could lead to savings if you end up in an at-fault accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cheapest Minimum-Liability Car Insurance in Washington<\/h3>\n\n\n\n<p>The average rate estimate for minimum coverage in Washington is <strong>$50 per month<\/strong> or <strong>$598 per year<\/strong>. PEMCO tends to offer the state\u2019s cheapest minimum-liability policies with rate estimates of $14 per month or $168 per year.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Average Monthly Rate for Minimum Coverage<\/strong><\/td><td><strong>Average Yearly Rate for Minimum Coverage<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td>$14<\/td><td>$168<\/td><\/tr><tr><td>USAA<\/td><td>$23<\/td><td>$276<\/td><\/tr><tr><td>GEICO<\/td><td>$47<\/td><td>$567<\/td><\/tr><tr><td>State Farm<\/td><td>$42<\/td><td>$505<\/td><\/tr><tr><td>Farmers<\/td><td>$65<\/td><td>$776<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$50<\/td><td>$599<\/td><\/tr><tr><td>Travelers<\/td><td>$39<\/td><td>$472<\/td><\/tr><tr><td>American Family<\/td><td>$79<\/td><td>$946<\/td><\/tr><tr><td>Progressive<\/td><td>$65<\/td><td>$783<\/td><\/tr><tr><td>Allstate<\/td><td>$74<\/td><td>$884<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cheapest Full-Coverage Car Insurance in Washington<\/h3>\n\n\n\n<p>In Washington state, the average rate for full-coverage car insurance is <strong>$124 per month<\/strong> or <strong>$1,487 per year<\/strong>. Mutual of Enumclaw offers the lowest average estimates for full-coverage auto insurance at $62 per month or $742 per year.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Average Monthly Rate for Full Coverage<\/strong><\/td><td><strong>Average Yearly Rate for Full Coverage<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>$271<\/td><td>$3,254<\/td><\/tr><tr><td>GEICO<\/td><td>$100<\/td><td>$1,205<\/td><\/tr><tr><td>PEMCO<\/td><td>$111<\/td><td>$1,332<\/td><\/tr><tr><td>State Farm<\/td><td>$73<\/td><td>$872<\/td><\/tr><tr><td>Progressive<\/td><td>$131<\/td><td>$1,569<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$62<\/td><td>$742<\/td><\/tr><tr><td>American Family<\/td><td>$106<\/td><td>$1,275<\/td><\/tr><tr><td>Farmers<\/td><td>$267<\/td><td>$3,201<\/td><\/tr><tr><td>Travelers<\/td><td>$152<\/td><td>$1,820<\/td><\/tr><tr><td>Allstate<\/td><td>$163<\/td><td>$1,959<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Washington Car Insurance Quotes by Driver Profile<\/h2>\n\n\n\n<p>Expect your rates for car insurance in Washington state to vary from the numbers above. That\u2019s because auto insurance companies base individual premiums on several factors such as your age, driving record, and location.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-1024x683.png\" alt=\"\" class=\"wp-image-423113\" srcset=\"https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-1024x683.png 1024w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-300x200.png 300w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-770x513.png 770w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-360x240.png 360w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-1155x770.png 1155w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-370x247.png 370w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-293x195.png 293w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7-150x100.png 150w, https:\/\/staging.automoblog.net\/wp-content\/uploads\/2023\/03\/image-7.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cheapest Car Insurance in Washington: Age<\/h3>\n\n\n\n<p>Age is one of the largest factors that helps to set the price of car insurance. Young drivers and especially teen drivers pay far higher rates for auto coverage than those in other age groups. In the table below, you\u2019ll find the average rate estimates for Washington drivers of different ages:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Driver Age<\/strong><\/td><td><strong>Average Monthly Rate for Full Coverage<\/strong><\/td><\/tr><tr><td>16<\/td><td>$481<\/td><\/tr><tr><td>20<\/td><td>$236<\/td><\/tr><tr><td>30<\/td><td>$128<\/td><\/tr><tr><td>40<\/td><td>$124<\/td><\/tr><tr><td>50<\/td><td>$121<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cheapest Car Insurance in Washington: High-Risk Drivers<\/h3>\n\n\n\n<p>Your driving history is critical to calculating rates for car insurance in Washington, as those with clean driving records often get cheaper coverage. Any at-fault accidents or traffic violations such as speeding tickets and DUIs can result in far higher premiums.<\/p>\n\n\n\n<p>How much your driving record impacts monthly costs depends mainly on your car insurer. Below is a list of the top car insurers in Washington and their average minimum-coverage rates for good drivers versus those listed as high-risk drivers.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Average Monthly Rate for Clean Driving Records<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Average Monthly Rate for High-Risk Drivers<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td class=\"has-text-align-center\" data-align=\"center\">$21<\/td><td class=\"has-text-align-center\" data-align=\"center\">$30<\/td><\/tr><tr><td>USAA<\/td><td class=\"has-text-align-center\" data-align=\"center\">$25<\/td><td class=\"has-text-align-center\" data-align=\"center\">$39<\/td><\/tr><tr><td>State Farm<\/td><td class=\"has-text-align-center\" data-align=\"center\">$38<\/td><td class=\"has-text-align-center\" data-align=\"center\">$44<\/td><\/tr><tr><td>GEICO<\/td><td class=\"has-text-align-center\" data-align=\"center\">$34<\/td><td class=\"has-text-align-center\" data-align=\"center\">$50<\/td><\/tr><tr><td>Travelers<\/td><td class=\"has-text-align-center\" data-align=\"center\">$58<\/td><td class=\"has-text-align-center\" data-align=\"center\">$66<\/td><\/tr><tr><td>Farmers<\/td><td class=\"has-text-align-center\" data-align=\"center\">$52<\/td><td class=\"has-text-align-center\" data-align=\"center\">$70<\/td><\/tr><tr><td>American Family<\/td><td class=\"has-text-align-center\" data-align=\"center\">$68<\/td><td class=\"has-text-align-center\" data-align=\"center\">$86<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td class=\"has-text-align-center\" data-align=\"center\">$54<\/td><td class=\"has-text-align-center\" data-align=\"center\">$89<\/td><\/tr><tr><td>Progressive<\/td><td class=\"has-text-align-center\" data-align=\"center\">$68<\/td><td class=\"has-text-align-center\" data-align=\"center\">$90<\/td><\/tr><tr><td>Allstate<\/td><td class=\"has-text-align-center\" data-align=\"center\">$93<\/td><td class=\"has-text-align-center\" data-align=\"center\">$115<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*Data was pulled from 2022 information.<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Car Insurance Rates in Washington: Speeding Ticket<\/h4>\n\n\n\n<p>A single speeding ticket can cause your car insurance premiums to increase significantly. For Washington drivers, PEMCO offers the cheapest coverage after a speeding ticket with average rate estimates of <strong>$78 per month<\/strong> or <strong>$930 per year<\/strong>. USAA also offers relatively affordable prices for drivers whose recent driving history includes a speeding ticket.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Average Monthly Rate After a Speeding Ticket<\/strong><\/td><td><strong>Average Yearly Rate After a Speeding Ticket<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td>$78<\/td><td>$930<\/td><\/tr><tr><td>USAA<\/td><td>$85<\/td><td>$1,024<\/td><\/tr><tr><td>State Farm<\/td><td>$143<\/td><td>$1,719<\/td><\/tr><tr><td>GEICO<\/td><td>$181<\/td><td>$2,173<\/td><\/tr><tr><td>Travelers<\/td><td>$149<\/td><td>$1,783<\/td><\/tr><tr><td>Farmers<\/td><td>$186<\/td><td>$2,232<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$217<\/td><td>$2,608<\/td><\/tr><tr><td>Progressive<\/td><td>$129<\/td><td>$1,545<\/td><\/tr><tr><td>American Family<\/td><td>$208<\/td><td>$2,495<\/td><\/tr><tr><td>Allstate<\/td><td>$193<\/td><td>$2,319<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Car Insurance Rates in Washington: At-Fault Accident<\/h4>\n\n\n\n<p>Drivers will also likely see steeper costs if they\u2019re found at fault for a car accident. PEMCO generally offers the cheapest coverage to Washington drivers after a recent accident, with an average rate estimate of <strong>$83 per month<\/strong> or <strong>$1,001 per year<\/strong>. USAA and State Farm also generally sell inexpensive coverage for motorists with an at-fault accident.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Average Monthly Rate After an At-Fault Accident<\/strong><\/td><td><strong>Average Yearly Rate After an At-Fault Accident<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td>$83<\/td><td>$1,001<\/td><\/tr><tr><td>USAA<\/td><td>$103<\/td><td>$1,235<\/td><\/tr><tr><td>State Farm<\/td><td>$156<\/td><td>$1,869<\/td><\/tr><tr><td>GEICO<\/td><td>$202<\/td><td>$2,418<\/td><\/tr><tr><td>Travelers<\/td><td>$155<\/td><td>$1,856<\/td><\/tr><tr><td>Farmers<\/td><td>$223<\/td><td>$2,670<\/td><\/tr><tr><td>American Family<\/td><td>$217<\/td><td>$2,598<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$259<\/td><td>$3,104<\/td><\/tr><tr><td>Progressive<\/td><td>$177<\/td><td>$2,125<\/td><\/tr><tr><td>Allstate<\/td><td>$256<\/td><td>$3,072<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Car Insurance Rates in Washington: DUI<\/h4>\n\n\n\n<p>A violation for driving under the influence (DUI) can make Washington car insurance premiums soar. For those with a DUI on their record, PEMCO offers average estimates of <strong>$94 per month<\/strong> or <strong>$1,123 per year<\/strong>. While the accessibility of cheap rates plummets after a DUI, it may also be possible with policies from State Farm and Progressive.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Car Insurance Provider<\/strong><\/td><td><strong>Average Monthly Rate After a DUI<\/strong><\/td><td><strong>Average Yearly Rate After a DUI<\/strong><\/td><\/tr><tr><td>PEMCO<\/td><td>$94<\/td><td>$1,123<\/td><\/tr><tr><td>State Farm<\/td><td>$143<\/td><td>$1,719<\/td><\/tr><tr><td>GEICO<\/td><td>$197<\/td><td>$2,366<\/td><\/tr><tr><td>USAA<\/td><td>$150<\/td><td>$1,803<\/td><\/tr><tr><td>Farmers<\/td><td>$193<\/td><td>$2,314<\/td><\/tr><tr><td>Travelers<\/td><td>$169<\/td><td>$2,031<\/td><\/tr><tr><td>Progressive<\/td><td>$118<\/td><td>$1,421<\/td><\/tr><tr><td>American Family<\/td><td>$208<\/td><td>$2,495<\/td><\/tr><tr><td>Mutual of Enumclaw<\/td><td>$278<\/td><td>$3,335<\/td><\/tr><tr><td>Allstate<\/td><td>$235<\/td><td>$2,816<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Average Cost of Car Insurance in Washington<\/h2>\n\n\n\n<p>The average cost of car insurance in Washington state comes out to <strong>$598 per year<\/strong> for minimum-liability insurance and <strong>$1,487 annually<\/strong> for full coverage. These rates are 22% lower than the national average for minimum coverage and just over 25% lower than the national rate for full coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Average Car Insurance Cost in Washington by City<\/h3>\n\n\n\n<p>Your location in Washington significantly impacts the car insurance premiums you\u2019ll have to pay. Potential risk factors such as population density, crime rates, and weather patterns vary between ZIP codes, and car insurance rates will reflect that. The table below shows the average rates for auto coverage in some of Washington\u2019s largest cities.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cities in Washington<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Average Monthly Rate for Minimum Coverage<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Average Monthly Rate for Full Coverage<\/strong><\/td><\/tr><tr><td>Kent<\/td><td class=\"has-text-align-center\" data-align=\"center\">$63<\/td><td class=\"has-text-align-center\" data-align=\"center\">$155<\/td><\/tr><tr><td>Federal Way<\/td><td class=\"has-text-align-center\" data-align=\"center\">$63<\/td><td class=\"has-text-align-center\" data-align=\"center\">$156<\/td><\/tr><tr><td>Tacoma<\/td><td class=\"has-text-align-center\" data-align=\"center\">$62<\/td><td class=\"has-text-align-center\" data-align=\"center\">$154<\/td><\/tr><tr><td>Seattle<\/td><td class=\"has-text-align-center\" data-align=\"center\">$62<\/td><td class=\"has-text-align-center\" data-align=\"center\">$155<\/td><\/tr><tr><td>Renton<\/td><td class=\"has-text-align-center\" data-align=\"center\">$61<\/td><td class=\"has-text-align-center\" data-align=\"center\">$152<\/td><\/tr><tr><td>Lakewood<\/td><td class=\"has-text-align-center\" data-align=\"center\">$61<\/td><td class=\"has-text-align-center\" data-align=\"center\">$147<\/td><\/tr><tr><td>Bellevue<\/td><td class=\"has-text-align-center\" data-align=\"center\">$57<\/td><td class=\"has-text-align-center\" data-align=\"center\">$140<\/td><\/tr><tr><td>Everett<\/td><td class=\"has-text-align-center\" data-align=\"center\">$57<\/td><td class=\"has-text-align-center\" data-align=\"center\">$140<\/td><\/tr><tr><td>Redmond<\/td><td class=\"has-text-align-center\" data-align=\"center\">$56<\/td><td class=\"has-text-align-center\" data-align=\"center\">$137<\/td><\/tr><tr><td>Vancouver<\/td><td class=\"has-text-align-center\" data-align=\"center\">$54<\/td><td class=\"has-text-align-center\" data-align=\"center\">$133<\/td><\/tr><tr><td>Olympia<\/td><td class=\"has-text-align-center\" data-align=\"center\">$50<\/td><td class=\"has-text-align-center\" data-align=\"center\">$123<\/td><\/tr><tr><td>Spokane<\/td><td class=\"has-text-align-center\" data-align=\"center\">$47<\/td><td class=\"has-text-align-center\" data-align=\"center\">$126<\/td><\/tr><tr><td>Bremerton<\/td><td class=\"has-text-align-center\" data-align=\"center\">$47<\/td><td class=\"has-text-align-center\" data-align=\"center\">$119<\/td><\/tr><tr><td>Spokane Valley<\/td><td class=\"has-text-align-center\" data-align=\"center\">$45<\/td><td class=\"has-text-align-center\" data-align=\"center\">$119<\/td><\/tr><tr><td>Yakima<\/td><td class=\"has-text-align-center\" data-align=\"center\">$44<\/td><td class=\"has-text-align-center\" data-align=\"center\">$117<\/td><\/tr><tr><td>Kennewick<\/td><td class=\"has-text-align-center\" data-align=\"center\">$44<\/td><td class=\"has-text-align-center\" data-align=\"center\">$112<\/td><\/tr><tr><td>Bellingham<\/td><td class=\"has-text-align-center\" data-align=\"center\">$44<\/td><td class=\"has-text-align-center\" data-align=\"center\">$112<\/td><\/tr><tr><td>Pullman<\/td><td class=\"has-text-align-center\" data-align=\"center\">$42<\/td><td class=\"has-text-align-center\" data-align=\"center\">$118<\/td><\/tr><tr><td>Wenatchee<\/td><td class=\"has-text-align-center\" data-align=\"center\">$42<\/td><td class=\"has-text-align-center\" data-align=\"center\">$114<\/td><\/tr><tr><td>Walla Walla<\/td><td class=\"has-text-align-center\" data-align=\"center\">$42<\/td><td class=\"has-text-align-center\" data-align=\"center\">$114<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*Data was pulled from 2022 information.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Washington Minimum Auto Insurance Coverage<\/h2>\n\n\n\n<p>According to <a href=\"https:\/\/www.insurance.wa.gov\/washington-states-mandatory-automotorcycle-insurance-law\" rel=\"noopener\">Washington law<\/a>, all drivers must either meet or exceed the following minimum coverage requirements:<\/p>\n\n\n\n<ul>\n<li>$50,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$25,000 bodily injury liability per person<\/li>\n\n\n\n<li>$10,000 property damage liability per accident<\/li>\n<\/ul>\n\n\n\n<p>While liability insurance is important, it won\u2019t fully protect you and your vehicle. Both insurance agents and experts recommend going beyond state minimum-coverage car insurance policies. That\u2019s because higher limits could protect you from paying large amounts of money out of pocket after an accident.<\/p>\n\n\n\n<p>If you have collision coverage and comprehensive coverage, you\u2019ll be safe from paying for repair costs to your own car after thefts, vandalism, car accidents, or severe weather. Other types of coverage that could be worthwhile for Washington drivers include underinsured and uninsured motorist coverage along with personal injury protection (PIP). Note that if you don\u2019t own your vehicle, an auto lender may require you to purchase a full-coverage policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cheap Car Insurance in Washington: Conclusion<\/h2>\n\n\n\n<p>The cheapest car insurance in Washington typically comes from PEMCO, which offers average rates of $14 per month. It\u2019s important to <a href=\"https:\/\/staging.automoblog.net\/research\/insurance\/compare-car-insurance-quotes\/\">compare auto insurance quotes<\/a> from various providers, however, to learn whether you could receive better prices for coverage elsewhere.<\/p>\n\n\n\n<p>You may also want to consider the protection given by a full-coverage policy. The best rates we found for full coverage came in as low as $62 per month from Mutual of Enumclaw. More coverage may mean slightly higher premiums, but it\u2019ll also provide greater financial protection and peace of mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Best Car Insurance in Washington: Recommended Providers<\/h3>\n\n\n\n<p>While certain companies are known for offering competitive rates for Washington state drivers, it\u2019s best to get car insurance quotes from various providers. We recommend considering PEMCO and USAA as you begin your search for the Evergreen State\u2019s best auto insurer.<\/p>\n\n\n<div class=\"three_ships_widget-wrapper zip_widget\" id=\"zip_widget-block_99733416369fd36b63ac2e99d4ccf214\">\n    <div class=\"three_ships_widget-table\">\n        <div class=\"table-head\"><\/div>\n        <div class=\"table-body has-background\" style=\"background-image: url(https:\/\/staging.automoblog.net\/wp-content\/uploads\/2020\/11\/AdobeStock_301154357.jpeg);\">\n            <div class=\"table-column\">\n                                <div class=\"title\">\n                    <h4>Compare Car Insurance Rates<\/h4>\n                <\/div>\n                                <div class=\"text\">\n                    <p>Enter your zip code to shop for the best rates in your area:<\/p>\n                <\/div>\n                                <div class=\"form-block\">\n                    <div class=\"form\">\n                        <input type=\"text\" name=\"zip-code\" placeholder=\"Zip Code\">\n<!--                        <button type=\"button\" class=\"btn btn-primary zip-button full\" data-link=\"--><!--\">--><!--<\/button>-->\n                        <a data-segment-action=\"click\" href=\"https:\/\/automoblog.everquote.com\/form\/?tid=2777&#038;zip_code={zip}&#038;subid=pro&#038;subid2=amb&#038;subid3=car-insurance-washington-amb-zipcta\" class=\"btn btn-primary zip-button full\" rel=\"noopener\">See Rates<\/a>\n                    <\/div>\n\t                                        <div class=\"button-disclaimer\">\n\t                        <p>On Our Partner&#8217;s Website<\/p>\n                        <\/div>\n\t                                <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"table-footer\">\n            <div class=\"top\">\n                            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<h4 class=\"wp-block-heading\">PEMCO: 4.3 out of 5.0<\/h4>\n\n\n\n<p>As a Seattle-based insurance provider, PEMCO understands the needs of Washington motorists. The company offers the state\u2019s lowest average rates for minimum-coverage policies and is just as affordable as nationwide providers for full coverage. PEMCO holds a strong reputation for customer service and stands as the best local option in Washington state.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">USAA: 4.5 out of 5.0<\/h4>\n\n\n\n<p>The rate estimates we received from USAA were some of the lowest in Washington, making it a worthwhile choice for qualifying drivers. As with PEMCO, this provider is known for its excellent claims process and high level of customer service. Note that USAA\u2019s coverage is only available to those in the military, veterans, and related family members.<\/p>\n\n\n\n<p>Keep reading: <a href=\"https:\/\/staging.automoblog.net\/usaa-car-insurance-review\/\">USAA insurance review<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cheapest Auto Insurance in Washington: FAQ<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1679948944465\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which company gives the cheapest car insurance?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Washington often receive their lowest rates from PEMCO and USAA.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1679948952131\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How much is car insurance per month in Washington?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The average cost of car insurance per month in Washington is $50 for a minimum-coverage policy and $124 for full coverage. Our team found rates in Washington as low as $14 per month for minimum coverage and $62 for a full-coverage policy.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1679948957602\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to reduce car insurance in Washington?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The quickest ways to reduce your auto insurance cost in Washington are by reducing your amounts and types of coverage, raising your deductible, and seeking out car insurance discounts. Improving your credit score and bundling coverage with homeowners, renters, or life insurance are additional ways to get lower premiums over the long term.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1679948973832\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How much is car insurance on average in Washington?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Car insurance in Washington averages out to $598 annually for minimum coverage and $1,487 per year for full-coverage policies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1679948986777\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is it illegal to drive without insurance in Washington?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it\u2019s absolutely illegal to drive without car insurance in Washington. If you\u2019re caught as an uninsured driver in the Evergreen State, expect to earn a misdemeanor charge. You could also receive a hefty fee or may even have your driver\u2019s license suspended.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1679948996818\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is it cheaper to pay car insurance every six months or monthly?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You\u2019ll typically pay less if you cover your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies upfront, though this way to save isn\u2019t universally offered.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">Our Methodology<\/h3>\n\n\n\n<p>Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.<\/p>\n\n\n\n<ul>\n<li><strong>Affordability<\/strong>: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.<\/li>\n\n\n\n<li><strong>Coverage<\/strong>: Because each consumer has unique needs, it\u2019s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.<\/li>\n\n\n\n<li><strong>Industry Standing<\/strong>: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.<\/li>\n\n\n\n<li><strong>Availability<\/strong>: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.<\/li>\n\n\n\n<li><strong>Customer Service<\/strong>: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.<\/li>\n\n\n\n<li><strong>Online Experience<\/strong>: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.<\/li>\n<\/ul>\n\n\n\n<p><em>*Data accurate at time of publication.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Affiliate Disclosure: Automoblog and its partners may earn a commission if you purchase a plan from the car insurance providers outlined here. These commissions come to us at no additional cost to you. Our research team has carefully vetted dozens of car insurance providers. See our Privacy Policy to learn more.&nbsp;&nbsp; Crash Course: The cheapest car insurance in Washington state generally comes from PEMCO, which has an average rate estimate of $14 per month for minimum coverage. USAA also offers [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":422093,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":""},"categories":[58003,58118,58002],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/research\/423112"}],"collection":[{"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/research"}],"about":[{"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/types\/research"}],"author":[{"embeddable":true,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/users\/137"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/comments?post=423112"}],"version-history":[{"count":0,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/research\/423112\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/media\/422093"}],"wp:attachment":[{"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/media?parent=423112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/categories?post=423112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.automoblog.net\/wp-json\/wp\/v2\/tags?post=423112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}