Compare car insurance quotes in Washington
Jerry is a free app trusted by 22,249 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.
Average Washington car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Washington, Jerry drivers pay:
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$71 to $140 per month for state-mandated minimum coverage.
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$193 to $411 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 $887 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
One of the best ways to save on home insurance in Washington is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Washington drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Washington that you can find.
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 insurance you need to get behind the wheel in Washington, most 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 (UIM) protection is also recommended.
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Coverage definitions
Factors affecting Washington car insurance rates in 2026
Wet roads and higher crash frequency
With frequent rain, slick pavement and longer stopping distances are a year-round issue. Collision coverage is what typically pays to repair your vehicle after an accident, so it tends to carry more weight in a state where wet-road crashes are common.
Theft and catalytic converter claims
Seattle and Tacoma have elevated theft exposure, including catalytic converter theft and vehicle break-ins. Comprehensive coverage generally covers theft-related losses, making it an important layer if you park on the street or in lots regularly.
Mountain passes and winter hazards
Mountain travel brings steep grades, sudden snow, and occasional pass closures that increase both crash risk and claim severity. Collision coverage matters on these routes, and having a deductible you can comfortably handle makes it easier to use your coverage if winter driving goes sideways.
Uninsured drivers
Nearly 20% of Washington drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone who can’t cover injuries or damage.
Long rural drives and towing distance
Outside the Seattle metro, many drivers rack up miles on highways where services are farther apart. Longer tows and fewer nearby repair shops can increase the total cost of a claim, so roadside assistance or towing coverage can be worth checking.
Windstorms and falling debris
Pacific Northwest windstorms can bring down branches and power lines, damaging vehicles even when parked. Comprehensive coverage typically applies to falling-object damage, which is a common type of loss during storm season.
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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|---|
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City
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Average monthly cost
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|---|---|
| $303 | |
| $314 | |
| $218 | |
| $329 | |
| $256 | |
| $199 | |
| $290 | |
| $340 |
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.