The average annual cost of auto insurance in Washington is $ 1,176 for full coverage and $ 463 for minimum coverage. However, there are many factors that influence what you pay for auto insurance in Washington, in addition to your state’s coverage requirements. Some of these variables include age, driving history, zip code, and insurance provider, meaning your premium is highly personalized and will vary from the averages provided below.
How much does auto insurance cost in Washington?
Each will be offered a unique bonus because each driver is in a different situation. Insurers effectively examine the variables that represent your risk to determine what you will pay for auto insurance. Risk variables or other factors that can contribute to Washington auto insurance rates can include:
- Driving history / past offenses
- Type of cover
- Deductible amount
- Postal code
- Car make and model
Your credit score is not allowed to factor into your auto insurance premium in Washington State. Currently, the average annual auto insurance rates in Washington are $ 463 for minimum coverage and $ 1,176 for full coverage. Each state has its own average, which may be higher or lower than the national average. The national average for auto insurance is $ 565 and $ 1,674, which means Washington is on average a little cheaper than other states.
Washington Auto Insurance Rates by Company
The following table shows how the rates can be different between auto insurance providers. Often times, well-known, industry-leading companies (by market share) are the cheapest suppliers in Washington, but sometimes small businesses can offer more competitive local rates. To find the best supplier for you, comparison shopping is recommended.
Washington Auto Insurance Rates by City
How Much Does Car Insurance Cost in Washington? The following rates show Washington’s top 20 cities based on population. You will notice that some zip codes pay more, while others see rates below the state average.
|City||Average annual premium for full coverage||% difference from the average annual state premium|
|Nice view||$ 1,251||6%|
|Federal route||$ 1,422||21%|
|Spokane Valley||$ 1,117||-5%|
|Not co||$ 1,041||-12%|
Washington Auto Insurance Rates by Age
Washington auto insurance rates are most heavily influenced by age. Drivers will typically see the highest rates at age 18 (when they have their own policy) and then steadily decline until the rates flatten out a bit around age 25. Auto insurance companies generally charge young drivers more because they have less driving experience and are more likely to have an accident.
|Age||Average annual premium in Washington|
|16 years old*||$ 1,935|
|18 years old||$ 4,321|
|20 years||$ 3,029|
|25 years||$ 1,544|
|30 years||$ 1,301|
|40 years||$ 1,248|
|50 years||$ 1,133|
|60 years||$ 1,095|
|70 years||$ 1,256|
* 16 years calculated on the parents’ policy disclosure
Washington Auto Insurance Rates by Driving Record
As with any other state, Washington auto insurance rates are heavily influenced by driving history. If you have an accident, get a speeding ticket, or are found guilty of drunk driving, you are more likely to pay higher auto insurance premiums. The rates below show the average increase most drivers will see after a single violation in each category. If you become a repeat offender, the increase will usually be much higher.
|Driving incident||Average annual premium for full coverage in Washington||% increase in average annual premium|
How to save on auto insurance in Washington
Auto insurance rates in Washington are positively affected in several ways. It is possible in most cases to reduce your premium by implementing changes or practices like these.
- Compare the prices: Auto insurance companies are not all the same in the way rates are determined; some may offer cheaper rates than others. Comparing supplier quotes is the most efficient way to find the cheapest rates for your situation.
- Compare discounts: As you shop, take a look at the discounts offered by each business and determine which ones you may be eligible for. The tricky part is figuring out how much you’ll save with each one. To determine this, you may need to speak to an agent.
- Increase the deductible: You can save money by increasing your deductible, although the savings will vary depending on the type of coverage the deductible applies to. The downside is that if you are the victim of an accident, you will receive less benefits, which means that it is better to be financially prepared in the event of a loss.
- Driving an old car: A new car costs more to repair and replace, which means you can save on your insurance bill by driving an older car.
Frequently Asked Questions
How much does auto insurance cost in Washington per month?
Your premium is likely different from the state average. However, the premiums shown for 2021 indicate that Washington drivers pay around:
- $ 38.58 per month for minimum coverage (based on an annual premium of $ 463)
- $ 98 per month for full coverage (based on an annual premium of $ 1,176)
How easy is it to change carriers in Washington?
Switching providers can have some worthwhile benefits, which is usually not too difficult. Contacting agents and scheduling your policy dates to avoid disruption in coverage is the most important aspect to consider.
How can I determine the best insurance company?
Determining the best insurance provider will depend on what you need for your specific situation. Looking for the cheapest provider, the best customer service, or the most coverage options? JD Power and AM Best reviews can help you determine which vendors may be the best fit for you.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
Age: The rates were calculated by evaluating our baseline profile with ages 18-60 (baseline: 40) applied.
Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.