Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Washington
Jerry is a free app trusted by 22,747 Washington drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Washington car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Washington, Jerry drivers pay:
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$72 to $142 per month for state-mandated minimum coverage.
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$194 to $419 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Washingtonians save an average of $848 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Washington policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Washington have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Washington homeowners deal with earthquake risk, heavy rainfall and flooding on the western side, and growing wildfire exposure in the east. Bundling home and auto insurance is a smart strategy to offset rising insurance costs across the state.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Washington drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in Washington, shopping around gives you a clearer picture.
That matters in Washington, where Seattle-area drivers face tech-corridor traffic and high vehicle theft rates, while those on the east side of the Cascades deal with more rural roads and harsher winter conditions. Rain and wet-road accidents are a factor year-round west of the mountains. Jerry works with Washington drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 8 trusted insurers in the Evergreen State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Washington drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Washington
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Washington car insurance coverage requirements
Drivers in Washington are legally required to carry liability insurance coverage. State minimum requirements include:
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$25,000 for bodily injury or death of one person.
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$50,000 for bodily injury or death of two people.
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$10,000 for damage to other peoples’ property.
While this is the minimum coverage required in Washington before you can get behind the wheel, many Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that over 19% of Washington drivers are uninsured, buying uninsured/underinsured motorist (UM/UIM) protection is also recommended.
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Coverage definitions
Factors affecting Washington car insurance rates in 2026
Rain and wet road crashes
Frequent rain makes slick pavement and longer stopping distances a year-round reality in Washington. Collision coverage pays to repair your car after an accident, and it carries more weight in a state where wet-road crashes are part of daily driving.
Theft and catalytic converter claims
Seattle and Tacoma see elevated theft rates, including catalytic converter theft and vehicle break-ins that have become a major cost driver. Comprehensive coverage pays out if your car is stolen or broken into, but also limit losses by locking up, parking in well-lit areas and keeping valuables out of sight.
Mountain passes and winter hazards
Crossing the Cascades means steep grades, sudden snow and occasional pass closures that drive up both crash risk and claim severity. Carry collision coverage for mountain travel and set a deductible you can comfortably handle, because winter pass crashes tend to be expensive.
Uninsured drivers
Nearly one in five Washington drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Long rural drives
Outside the Seattle metro, many drivers rack up miles on highways where services are far apart. Longer tows and fewer nearby repair shops drive up the total cost of a claim. Check whether your policy includes roadside assistance to help limit expenses and stay safer.
Windstorms and falling debris
Pacific Northwest windstorms can bring down branches and power lines, damaging vehicles even while they’re parked. Keep comprehensive coverage for falling-object damage, one of the most common loss types during storm season in Washington.
Average cost of car insurance in major Washington cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $303 | |
| $319 | |
| $218 | |
| $329 | |
| $259 | |
| $202 | |
| $298 | |
| $284 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Washington quotes in as little as 2 minutes.
Learn more about driving in Washington
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How to get a temporary license plate in Washington.
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Find out if Washington state requires a front license plate.
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What to know about gifting a car in Washington.
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How to get a rebuilt title in Washington.
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Learn how at-fault states affect your car insurance.
FAQ
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Is Washington an at-fault insurance state?
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Does Washington allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.