Good news for Washington drivers: Jerry’s latest data shows that liability coverage in the Evergreen State averages about $114 per month. Over the past year we’ve helped 16,658 Washingtonians lower their insurance costs, and those who switch with Jerry save an average of $932 annually without losing the coverage they rely on.
Jerry compares quotes from up to 8 trusted insurers in Washington to build your policy and help you lock in your best rate in minutes.
Save on Washington insurance with Jerry.
What Washington drivers are paying right now
Car insurance prices in Washington shift more than you might expect. Seattle congestion, coastal storm systems, wildfire smoke, steep mountain passes and high repair costs around Puget Sound all influence what you pay. Even drivers with similar profiles can see very different premiums depending on whether they live in Spokane, Tacoma, Olympia or rural counties east of the Cascades.
Jerry tracks live quotes statewide so you can see what drivers are really paying today. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rate a routine check. In Washington, everything from winter rain and black ice to minor shifts in your driving profile can move your renewal price.
4 easy ways Jerry helps Washington drivers save on car insurance
The cheapest number upfront isn’t always the best long-term value. Smart savings come from understanding what actually drives your premium in Washington and adjusting only what you can control.
Jerry compares real offers, identifies discounts you might otherwise miss and shows you where you can save without cutting the protection you count on.
Here are our top tips to help you spend less and worry less.
| How to save | Average Washington driver savings |
|---|---|
| Compare quotes | 58% to 73% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 9% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Washington’s risk mix is unusual: dense urban traffic, long rural highways, steep mountain grades, wet conditions year-round and some of the highest catalytic converter theft rates in the country. Insurers weigh all that very differently, which is why the gap between your cheapest and most expensive quote can be wide.
Comparing rates through Jerry is the fastest way to make sure you’re not overspending. Here’s where Washington drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Washington drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 64% | 32% |
| Safeco | 3% | 7% |
| Bristol West | 6% | 34% |
| National General | 27% | 23% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: A Bellevue driver may have totally different pricing than someone in Yakima or Bellingham. Jerry highlights those differences instantly so you can choose your best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Washington drivers usually qualify for more discounts than they realize, like safe-driver discounts, paperless billing, multi-vehicle policies, good-student savings, anti-theft devices and more. But insurers don’t always apply them automatically.
Jerry checks the discounts you’re eligible for so no savings get left behind.
Key takeaway: Stacking discounts often saves more than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible is one of the simplest tools you have to lower your rate. Washington drivers face constant rain, slick roads, mountain pass closures and higher repair costs in metro areas, so choose a deductible you can comfortably afford if you need to file a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Decide what you could pay out of pocket without strain.
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Compare real-time quote changes at each deductible level.
The Jerry difference: Jerry shows instant pricing across multiple deductible options so you can choose the balance of cost and protection that fits your budget.
Jerry Agent Tip 4: Keep a clean driving record
In Washington, violations aren’t just points on paper, they’re expensive. Jerry data shows that even a single ticket raises premiums by 9% on average, and serious violations cost far more. That includes speeding, distracted driving or rolling stops.
Maintaining a clean record is one of the most effective ways to control long-term insurance costs. And once a violation drops off, Jerry helps re-shop your policy so you can grab lower rates the moment you qualify.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Washington requires 25/50/10 liability coverage, and drivers must also carry personal injury protection (PIP) unless they formally reject it.
Here’s what you’ll see when shopping:
Minimum
$68 – $131/mo
Meets Washington’s liability requirements, but doesn’t cover your own car.
Full
$142 – $306/mo
Adds collision and comprehensive, which is usually required if you lease or finance.
Preferred
$233 – $459/mo
Offers higher limits, lower deductibles and extras like towing or rental coverage.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time pricing for every tier so you can choose with confidence.
The cheapest Washington policy is liability-only, but a few low-cost add-ons can make a big difference when you need them.
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Coverage definitions
Washington insurance factors at a glance
Washington’s mix of dense urban traffic, wet weather and long-distance rural driving plays a major role in what you pay for insurance. Insurers weigh many state-specific risks when setting premiums.
Wet weather
Year-round rain increases crash frequency, so consider the value of collision coverage.
Theft rates
Seattle and Tacoma see high catalytic converter and vehicle theft rates, making comprehensive important.
Mountain travel
Pass closures, steep grades and winter hazards raise claim severity.
Uninsured drivers
Nearly 20% of Washington drivers are uninsured, making UM/UIM coverage imperative.
Washington Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t define your rate long-term by working with insurers that consider your full profile, not just your last incident. We monitor your policy as your record improves, and the help you re-shop for potentially lower rates.
If you got a ticket
Washington uses a point-like violation system, and tickets like speeding, texting, improper lane changes or failure to yield stay on your record for years. Even one citation can raise your premium, though defensive driving courses may reduce the impact.
After the violation clears, Jerry automatically checks for lower prices.
Here are the average rate increases we’ve seen for Washington drivers after a ticket:
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Speeding under 15: 7%
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Speeding over 15: 29%
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Failure to obey traffic sign: 16%
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Reckless driving: 9%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Washington follows an at-fault liability system. An at-fault crash raises premiums by 16% on average, and those increases typically last three to five years. Jerry finds your lowest available price now and revisits your policy when the accident comes off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $391 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $437 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Washington brings steep penalties and a significant rate increase. Expect your premium to rise substantially, and higher prices often last for years.
Jerry identifies insurers that offer more reasonable high-risk pricing and guides you through re-shopping your policy as your record improves.
Here are the five cheapest insurers for Washington drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $104 | Yes | |
| $168 | Yes | |
| $225 | Yes | |
| $247 | Yes | |
| $315 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Washington
Washington may require an SR-22 filing after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that process the filing. Most charge about $25 per year for the paperwork.
Car Insurance with Bad Credit
While the use of credit scores in auto insurance was banned for many years, Washington now allows insurers to use credit-based insurance scores when setting auto rates. This means your credit can influence what you pay.
Still, it’s only one factor. Keeping continuous coverage, avoiding violations and choosing the right deductible can make a meaningful impact even if your credit isn’t perfect.
Jerry compares quotes instantly so you can see which insurers are more flexible with credit and lock in your best available rate.
Average rates in Washington by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Washington’s mix of rain, steep passes, dense metro traffic and high theft exposure means the cheapest policy isn’t always the one that protects you. The best policy is the one built around how you actually drive.
Jerry makes that easy by comparing real quotes and custom tailoring your coverage. Whenever your price can improve, we’ll remind you and help you shop for an even better fit.
Get Washington quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
