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Jerry Data & Research
Cheapest Car Insurance in Washington (Apr 2024)
Cheapest Car Insurance in Washington (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Washington.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Washington
- Cheapest car insurance companies in Washington
- Washington Car Insurance Coverage Requirements
- Washington Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Washington?
- Car Insurance for High-Risk Washington Drivers
- Car Insurance for Washington Drivers With DUI
- Car Insurance for Washington Drivers With a Coverage Lapse
- Car Insurance for Washington Drivers With a Low Credit Score
- Washington Car Insurance Cost by Age
- Washington Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- How to find cheap car insurance in Washington in your city
- How to lower the cost of car insurance in Washington
- Why is car insurance so expensive in Washington?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Washington
Let's get real: no single insurance company can guarantee the absolute lowest rate for every driver in Washington. The diversity among drivers in this region means that premiums will vary accordingly.
So, you need to shop around and compare rates to find the best car insurance for your unique driver profile and coverage needs.
Jerry
has helped a lot of Washington drivers with affordable car insurance, as you can see below. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Nationwide | $158 | Ann, 33 | Toyota Corolla Matrix S | • State Minimum Liability • Comp / Collision |
| Travelers | $171 | Edna, 25 | BMW 330XE | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $159 | Beatrice, 59 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $133 | Lydia, 29 | Ford Ranger XL | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $96 | Darrell, 52 | Hyundai Accent SE | • 50,000/100,000 Liability |
Last Updated Apr 22, 2024Cheapest car insurance companies in Washington
Finding
cheap car insurance
can be a battle, but we’ve equipped Washington drivers with a ton of data. Our surveys cover everything from the factors that affect your rates to the hacks you can use
to save money. The data reveal . . . there’s not actually a single winner! There’s no “best” company for the majority of Washington drivers. However, there are some clear trends.
For the average driver, Pemco and
USAA
offer the cheapest rates shortly followed by GEICO
and State Farm
. Note that USAA is only for military members and their families. The most popular auto insurance companies in the Evergreen State also include Progressive
, American Family, Allstate
, and Farmers
.Let’s look at reviews of insurance providers from real Washington drivers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Bristol West | April 24, 2024 | 5 | "They have been good to me! " -Chad |
| Infinity | April 21, 2024 | 5 | "They are who they say they are. Very quick and to the point in getting everything handled and a new policy I and runn...(read more)" -Antonio |
| AAA | April 20, 2024 | 5 | "Love them. My parents always used them. " -Marcus |
| Dairyland | April 19, 2024 | 5 | "Super easy and convenient with great rates!" -Brian |
| Esurance | April 16, 2024 | 3 | "I have an awesome driving record; not only have they Never offered me a discount for my clean driving record, they ha...(read more)" -Lois |
Last Updated Apr 24, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you want to compare multiple providers quickly and painlessly, use a
car insurance
comparison app or website. Jerry is
a trusted insurance agency
with a user-friendly app for motorists, which can be used to obtain fast and free quotes and explore various options for car insurance coverage.Minimum car insurance requirements for liability and full coverage in Washington
To help you navigate car insurance shopping, try a comparison app like Jerry.
The hardest part of finding a policy is
comparing coverage quotes
and costs. Instead of pulling up a ton of tabs and researching minimum coverage requirements, Jerry's user-friendly app
gives dedicated support to Washington drivers.Cheapest minimum liability coverage in Washington
- $25,000 per person ofbodily injury liability coverage
- $50,000 per accident of bodily injury liability coverage
- $10,000 per accident ofproperty damage liability
Jerry has helped a lot of Washington drivers find cheap liability coverage—check it out.
Christian (38 years old)
$99
per month
Winnie (32 years old)
$75
per month
Do you need more than the minimum liability insurance coverage in Washington?
Choosing 30/60/20 coverage won't break any laws, but higher limits provide better protection in an accident.
Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Washington's minimum coverage may not cover all these expenses, leaving you financially liable.
It's wise to get as much liability coverage as you can afford, and the added protection may not be as costly as you think.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Washington auto insurance quotes
Full coverage is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.
Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.
Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail , vandalism, or theft—this coverage will kick in.
Be aware that you might be required to have
full coverage if you own a financed vehicle
. Lenders wish to protect their investment, so they can require this extra coverage. If this is you, check with your lender before you start shopping for insurance.| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $256 | Birdie, 21 | Volkswagen Jetta S |
• State Minimum Liability • Comp / Collision | Travelers | $152 | Edith, 32 | BMW X1 sDrive28i |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $210 | Seth, 30 | Dodge RAM 1500 ST |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $133 | Tom, 29 | Ford Ranger XL |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $131 | Essie, 33 | Tesla Model 3 |
Last Updated Apr 27, 2024Average rates for minimum liability coverage and full coverage car insurance in Washington
For about $112 per month or $1,349 per year, you can get the basic liability coverage in Washington. $198 per month is the average cost of full coverage insurance in Washington—about double.
Average rates can help you get a better idea of what to expect with rates. However, there’s no such thing as the “average” Washington driver. Your rate will be entirely unique to your driver profile.
Other types of Washington auto insurance
If you want more protection than the basic coverage, you can opt for extra add-ons. Here are some of the most valuable coverages available to Washington drivers:
Financed your car?
Gap insurance
can cover the gap between what you owe and what you’re paid out, in the event of a total loss. How Do Different Factors Impact Your Car Insurance Costs in Washington?
How Do Different Factors Impact Your Car Insurance Costs in Washington?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Washington currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Washington:
How to find cheap Washington car insurance if you’re a high-risk driver
Driving violations not only result in fines and legal consequences but can also impact your insurance premiums. Accumulating a significant number of violations on your record categorizes you as a
high-risk driver
. While it is still possible to obtain coverage, it's important to note that your policy will likely be more expensive compared to that of an average driver.Cheapest car insurance for Washington drivers with a speeding ticket
If you exceed the speed limits in Washington, you will face penalties based on the extent to which you were over the speed limit. The fines for speeding increase with each mile over the limit, and
reckless driving
incurs exceptionally high fines as well.Speeding tickets
can significantly impact insurance rates for drivers in Washington. But you can still find affordable coverage
even if you have a speeding ticket on your record. Here’s how we have successfully helped other Washington drivers in similar situations.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $182 | Jerome, 35 | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Travelers | $153 | Carl, 40 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Bristol West | $274 | Minnie, 23 | • 50,000/100,000 Liability |
Speeding 16-20 | Nationwide | $139 | Don, 50 | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Safeco | $424 | Miguel, 22 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 25, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
No problems with process or app. Easy access and painless payments.
Joshua
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
Have been so amazing! The prices are great glad jerry for this for me.
Savannah
Great rates and awesome coverage and never would have switched if it weren't for Jerry!
Shilo
How to find cheap Washington auto insurance after a DUI
A DUI conviction will definitely lead to a significant increase in your insurance rates. It's possible that certain insurance companies may decline coverage altogether.
We understand that navigating the process of finding insurance after a
DUI in Washington
can be complex. Jerry has helped numerous Washington drivers with DUI convictions. Here’s a look at rates for these drivers.
Gertrude (58 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Custer, WA$335
per month
Timothy (42 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$129
per month
Caroline (27 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$127
per month
Elnora (30 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$214
per month
Washington SR-22 insurance
In Washington, if you engage in highly risky driving behavior, the state may require you to demonstrate your responsibility to drive again.
2
This involves obtaining an SR-22 form from an insurance company. The SR-22 is a proof of financial responsibility, which the insurance company files on your behalf.There’s a small fee for the SR-22 form—plus increased insurance costs.
- You were convicted of a DUI or DWI.
- You were at-fault in a serious car accident.
- You were convicted of reckless driving.
- You were caught driving without insurance.
How to find cheap car insurance in Washington after an at-fault accident
Causing an accident is an indication to insurance companies of increased risk. However, it's important to remember that you still have options for finding a favorable insurance rate, even with an at-fault accident on your
Washington record
. Below, you can see real rates for Washington drivers with at-fault convictions on record.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $139 | Trevor, 52 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $75 | David, 39 | • State Minimum Liability |
Not At Fault | Allstate | $126 | Herbert, 42 Granite Falls, WA | • 50,000/100,000 Liability |
At Fault With No Injury | Allstate | $108 | Aiden, 26 | • State Minimum Liability • Comp / Collision |
At Fault With Injury | National General | $339 | Minnie, 42 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 27, 2024FAQ
Is Washington an at-fault state?
Yes. In
an at-fault state like Washington
, you file against the party who caused the accident. But if the other party does not have enough coverage (or any coverage), then you could be left without protection—unless you have uninsured motorist coverage. The bottom line: All Washington drivers must have at least the minimum liability car insurance—but more coverage is recommended.
Cheapest auto insurance after other violations in Washington
Even a minor violation such as tailgating can have an impact on your car insurance rates in Washington.
To better understand how common traffic violations in Washington can affect your car insurance rates, check out the info below.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $105 | Tyler, 41 | Subaru Legacy Outback AWP | • State Minimum Liability |
Cell Phone | Safeco | $174 | George, 25 | Ford Fusion SE | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | Allstate | $72 | Shawn, 32 | Tesla Model 3 | • State Minimum Liability |
Driving on Sus. License | National General | $132 | Vincent, 25 | Chevrolet Cruze LS | • State Minimum Liability |
DUI | Nationwide | $129 | Bill, 42 | Buick Encore Preferred | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | Bristol West | $126 | Donald, 24 | Dodge Charger R/T | • State Minimum Liability |
Homicide | National General | $147 | Winnie, 33 | Mazda 3 S | • State Minimum Liability |
Illegal Turn | Progressive | $90 | Dora, 50 | Ford Escape Titanium | • State Minimum Liability • Comp / Collision |
Improper Passing | Travelers | $192 | Roy, 34 | Volkswagen Golf S | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Bristol West | $77 | Oscar, 36 | Dodge Stratus SXT | • State Minimum Liability |
Open Container | Dairyland | $383 | Addie, 23 | Toyota Yaris IA | • State Minimum Liability • Comp / Collision |
Racing/Drag Racing | National General | $92 | Thomas, 24 Cashmere, WA | Subaru Legacy Outback 2.5I | • State Minimum Liability |
Reckless Driving | The General | $269 | Annie, 25 | Mercedes-Benz C 300 4matic | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | Safeco | $136 | Isaiah, 38 | Infiniti QX30 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 1-5 | Nationwide | $144 | Jim, 42 | Volkswagen Passat SEL | • 100,000/300,000 Liability • Comp / Collision |
Suspension | National General | $64 | Paul, 64 Clear Lake, WA | Honda Accord EX | • State Minimum Liability |
Wrong Way/Wrong Lane | Bristol West | $178 | Terry, 20 | Honda Accord EX | • State Minimum Liability |
Other Minor | Allstate | $170 | Danny, 31 | BMW 135 i | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 27, 2024How to find cheap Washington car insurance based on your insurance history
Maintaining consistent car insurance coverage is essential to avoid any red flags on your record. Companies take note of any
lapses in coverage
, which typically result in increased premiums.With Jerry, you can enjoy the advantage of regular reminders to prevent coverage gaps. We also assist individuals who have experienced lapses in finding coverage again, just like the Washington drivers showcased here.
Mike (44 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$89
per month
Marian (40 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$166
per month
Nelle (25 years old)
$153
per month
Leon (26 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$251
per month
William (37 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$138
per month
Lura (36 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Black Diamond, WA$104
per month
How to find cheap Washington car insurance with a low credit score
Data shows that individuals with poor credit tend to file more insurance claims. Consequently, if
your credit score
falls below 600, it is likely that you’ll pay a higher rate for coverage in Washington.To gain insights into the insurance premiums paid by drivers with poor credit in Washington, here’s a glimpse into some real figures.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $118 | Walter, 28 | Honda Accord LX | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $117 | Bertie, 51 | Audi A6 S-Line Quattro | • 50,000/100,000 Liability |
550 - 659 | Allstate | $169 | Virginia, 26 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Allstate | $110 | Joe, 33 | Mini Cooper Clubman | • State Minimum Liability |
Last Updated Apr 24, 2024How to find cheap auto insurance in Washington for your age
Older drivers may face increased risks in the event of an accident, while younger drivers and those with
provisional licenses
often have limited experience on the road. If you fall into the age range of under 25 or over 75, it is likely that you will incur higher premiums for coverage in the state of Washington.The best car insurance companies in Washington for young drivers
Teen drivers in Washington under the age of 19 tend to face the highest insurance costs. This emphasizes the importance of considering full coverage, particularly for young drivers operating newer vehicles.
Laura (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$336
per month
Eddie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$155
per month
Gene (21 years old)
$174
per month
The best car insurance companies for senior drivers in Washington
Seniors pay higher costs for car insurance, primarily due to their increased vulnerability to serious injuries in the event of a car accident. Car insurance companies take this into consideration when determining
coverage rates for older drivers
.Virginia (68 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$87
per month
Ernest (65 years old)
$124
per month
Lawrence (75 years old)
$127
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
They were able to drop what I was paying for insurance in half
Megan
Was easy to switch and was very affordable
Hugo
Wonderful experience! Saving $77 a month!
Kaytlin
Fair prices, and helpful staff!
Tera
How to find car insurance discounts in Washington for your motor vehicle
Your make and model is a big factor when it comes to car insurance. So, let’s take a look at
Here are some of the most popular vehicles in Washington:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic Sport | Progressive | $166 | Lilly, 26 | • State Minimum Liability • Comp / Collision |
| RAM 1500 Classic Tradesman | Allstate | $372 | Wesley, 48 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota Tacoma Access Cab | Allstate | $225 | Adam, 23 | • State Minimum Liability • Comp / Collision |
| Chevrolet Silverado K2500 Heavy Duty LT | Travelers | $95 | Betty, 37 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 26, 2024Is it cheaper to insure a new car or a used car?
In general, insuring a car that is older than 10 years can lead to significant savings. However, if you have your heart set on driving a brand new car, it's important to be aware that premium rates will reflect the value of the vehicle.
Rhoda (41 years old)
$105
per month
Laura (22 years old)
$336
per month
Cole (39 years old)
2001 Mercedes-Benz ML 430
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$102
per month
Tom (40 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$166
per month
Viola (22 years old)
$92
per month
How to find cheap car insurance in Washington in your city
Insurance premiums take into account various factors, including your zip code. Each neighborhood has its own distinct risk profile, considering factors such as traffic accident rates and crime statistics. Therefore, you can expect insurance rates to vary between different locations. For instance, a driver in
Spokane
faces different risks than a driver in Seattle
.Here are some real rates from Jerry drivers across the state of Washington.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Mount Vernon, WA | Ada, 44 | Progressive | $89 | Subaru Outback 2.5I Premium | • 100,000/300,000 Liability • Comp / Collision |
| Vancouver, WA | Annie, 29 | Safeco | $133 | Ford Ranger XL | • 100,000/300,000 Liability • Comp / Collision |
| Kirkland, WA | Ethel, 33 | Nationwide | $131 | Tesla Model 3 | • 50,000/100,000 Liability • Comp / Collision |
| Kent, WA | Rosetta, 59 | Allstate | $159 | Chevrolet Silverado K1500 LT | • 100,000/300,000 Liability • Comp / Collision |
| Tacoma, WA | Kyle, 42 | Clearcover | $158 | Toyota RAV4 SE | • 30,000/60,000 Liability • Comp / Collision |
| Everett, WA | David, 40 | Bristol West | $106 | Ford Taurus SEL | • State Minimum Liability • Comp / Collision |
| Seattle, WA | Winnie, 32 | National General | $75 | Buick Encore Preferred | • State Minimum Liability |
| Kirkland, WA | Hester, 28 | Infinity | $76 | KIA Optima EX | • 30,000/60,000 Liability |
| Seattle, WA | Verna, 37 | State Auto | $138 | Lexus IS 200T | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 26, 2024How to lower the cost of car insurance in Washington
Washington drivers can take advantage of these valuable tips to maximize their savings and find the cheapest option:
- Regularly compare quotes from different providers.
- If your budget permits, consider raising your deductible.
- Bundle your car insurance with homeownersor renters to enjoy additional savings.
- Reduce your coverage limits, if it makes sense for your situation.
- For older vehicles, consider dropping collision and comprehensive coverage.
- Review your auto insurance policy for any duplicate coverages.
Why is car insurance so expensive in Washington?
Compared to the national average, car insurance in Washington is generally more affordable—even though the cost of living is higher than the national average. Sweet!
Here are some factors that affect insurance prices in WA:
- Low number of fatal crashes
- Low population density
- Mild weather patterns
Of course, if you live in an area of the state with extreme weather, lots of crashes, or a dense population, your rate might be higher than the Washington average.
FAQs
Do you need car insurance in Washington state?
Yes. All drivers in Washington state are required to carry minimum car insurance limits to drive legally.
Does insurance follow the car or the driver in Washington?
Car insurance coverage follows the car. Every driver who borrows the vehicle on a temporary basis—that you’ve given permission to—will be covered, thanks to permissive use. The exception is if you have non-owner insurance, which is attached to the driver and not the vehicle.
What car insurance is required in Washington state?
All Washington drivers must carry 25/50/10 of liability coverage to be compliant with state laws regarding insurance.
What car insurance is required in Washington state?
All Washington drivers must carry 25/50/10 of liability coverage to be compliant with state laws regarding insurance.
Why is car insurance so expensive in Washington?
Compared to the national average, car insurance in Washington is generally more affordable. If you’re seeing higher rates than the national average, it could be due to a number of individualized factors, such as traffic tickets or excessive claims.
Check with your provider to find out why you’re paying rates, or check with Jerry to see how you can potentially lower your rates with a new policy.
What is the recommended car insurance coverage for Washington?
In addition to the required state minimum liability coverages, experts recommend both comprehensive and collision coverage to ensure you’re protected in case you cause an accident. To ensure you don’t wind up paying out of pocket for damages, we also recommend higher limits on your liability coverage.
To make sure you’ve got all your bases covered, consider adding uninsured motorist coverage and other add-ons, like PIP and MedPay to cover the unforeseen expenses that often follow a traffic accident.
Is insurance cheaper in Washington?
Yes, many drivers in the Evergreen State pay less than the national average for car insurance. However, drivers in some zip codes will experience higher than average rates due to the increased risk profile in these neighborhoods.
Who has the best cheap auto insurance in Washington?
Pemco and USAA offer some of the lowest car insurance rates in Washington, followed by State Farm. However, there’s no guaranteed lowest rate at any company. You’ll have to shop around to uncover the best car insurance companies for your driver profile.
Do you need insurance to register a car in Washington?
Yes, you will need to show proof of insurance at the Washington DMV before you can
register a car.
. The Washington DMV requires that drivers show proof of insurance before they can register a car.Can your car get towed for no insurance in Washington?
Yes. If you’re in a situation where your registration is suspended because you were caught driving without insurance, then your vehicle must be towed to a safe location.
Can you have out of state car insurance in Washington?
You can legally drive through Washington with insurance from another state. However, it’s important to get a new policy with your Washington address when you officially become a resident. Otherwise, any future claims could be denied.
Is PIP required in Washington?
No, PIP is an optional coverage for Washington drivers.
Can you have both PIP and MedPay in Washington?
No. PIP and MedPay are usually exclusive to each other. They both cover important healthcare expenses after a car accident, but PIP covers more.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
