Cheap Car Insurance in Washington State for July 2025

Written by Ben Moore and 1 other
Updated Jul 18, 2025
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Cheap Car Insurance in Washington State for July 2025

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Key Takeaways
  • Aspire, The General and Progressive offer some of the cheapest car insurance in Washington.
  • The average cost of minimum coverage in Washington is around $125 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Washington.

You may get cheap car insurance in Washington state from companies like Aspire, The General and Progressive. These are among the most affordable providers, according to real auto insurance quotes for Jerry customers in Washington.

Here are the cheapest car insurance companies for both liability-only and full coverage, plus preview rates by age, driving history and for drivers with low credit scores.

To find the best car insurance in Washington, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Washington state.

Cheap liability car insurance in Washington

In Washington, a minimum liability insurance policy is a simple way to remain compliant with state driving laws. It helps pay for the costs others incur due to your fault in an accident but won’t protect your own vehicle. This can be a smart approach for those with older or paid-off cars.

These are the cheapest car insurance companies in Washington for minimum coverage, according to Jerry’s data. Drivers in Washington should compare multiple insurers to ensure they’re getting the best deal available.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $71 $848
Safeco $79 $947
Aspire Advantage $82 $984
First Acceptance $85 $1,020
Progressive $118 $1,416
The General $124 $1,484
Dairyland $125 $1,495
National General $144 $1,727
Commonwealth Insurance $148 $1,771
Bristol West $170 $2,038
Last Updated Jul 17, 2025

Minimum liability car insurance requirements in Washington

Drivers in Washington are required to carry a minimum of:

  • $25,000 for bodily injury or death of one person.
  • $50,000 for bodily injury or death of two people.
  • $10,000 for damage to other peoples’ property.

Cheap full coverage car insurance in Washington

Finding cheap full coverage car insurance in Washington requires finding a plan that delivers wide-ranging protection for a fair price. Full coverage typically includes liability, collision, and comprehensive insurance — covering everything from accidents and theft to storm damage and windshield repairs. If your car has significant value, this type of policy can be well worth the investment.

These are the cheapest car insurance companies in Washington for full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $177 $2,127
Trexis $197 $2,367
Safeco $225 $2,705
Electric $239 $2,862
Progressive $253 $3,036
National General $280 $3,365
The General $292 $3,507
Dairyland $306 $3,672
ROOT $349 $4,184
Mendota $395 $4,741
Last Updated Jul 17, 2025

Minimum liability vs. full coverage in Washington

A minimum liability coverage policy pays for injuries or property damage you cause to others, but won’t cover damage to your own car.

Full coverage includes Washington’s liability requirements, plus coverage for your own car. Here’s what full coverage pays for:

  • Liability insurance covers injuries or property damage you cause in an accident.
  • Collision coverage pays for damage to your vehicle from an accident with another vehicle. This coverage typically has a deductible. 
  • Comprehensive coverage pays for vehicle damage caused by a non-collision event like weather and theft. This coverage typically has a deductible. 

You may also add these optional coverages to your policy:

  • Personal injury protection, or PIP, covers you, your family members and passengers in your car. It pays for things like medical expenses, lost wages and funeral expenses, no matter who caused the accident, up to your PIP limits. Insurance companies in Washington are legally required to offer PIP, but you can reject it in writing. 
  • Uninsured/underinsured motorist coverage, or UM/UIM, pays for your own injuries or property damage if you’re hit by a driver with limited liability insurance, or none at all. If you can afford this coverage type, it could be a wise addition to your policy. More than 16% of drivers in Washington state have no car insurance, according to data from the most recent study by the Insurance Research Council.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Washington

In Washington, insurance costs for young drivers can be steep because companies associate youth with unpredictability on the road. Even those who follow traffic laws may face higher costs due to age-related risk formulas. Premiums often drop after consistent safe driving is demonstrated and new drivers can save by enrolling in defensive driving courses and maintaining strong academic standing.

Below are the average costs of car insurance in Washington for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $371 $4,447
21-24 $334 $4,013
Last Updated Jul 17, 2025

Cheap liability car insurance in Washington for a 20-year-old

A 20-year-old in Washington could favor liability-only insurance for its affordability and simplicity. It suits those with lower-value vehicles who need to meet legal requirements.

These are the cheapest car insurance companies in Washington for 20-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $181 $2,174
National General $191 $2,291
Progressive $208 $2,500
The General $248 $2,978
Bristol West $259 $3,106
Last Updated Jul 19, 2025

Cheap full coverage in Washington for a 20-year-old

In Washington, a 20-year-old may choose full coverage for protection against rain, road debris and crowded commutes which can all lead to accidents. These types of plans ensure they aren’t stuck paying for major repairs out of pocket. It’s a wise step for drivers working toward long-term financial stability as full coverage allows them to stay mobile and prepared.

These are the cheapest car insurance companies in Washington for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $411 $4,934
Progressive $464 $5,569
National General $587 $7,049
Bristol West $660 $7,917
The General $725 $8,697
Last Updated Jul 17, 2025

Average auto insurance costs for mature drivers in Washington (25-54)

Washington drivers who have spent years on the road tend to get lower premiums thanks to their proven safety habits. Insurers value a track record that shows few or no claims as it’s a sign that the driver is cautious and responsible. That kind of reliability often leads to preferred insurance options.

Below are the average costs of car insurance for drivers in Washington between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $254 $3,046
35-44 $202 $2,428
45-54 $185 $2,219
Last Updated Jul 17, 2025

Cheapest liability car insurance in Washington for a 35-year-old

A 35-year-old in Washington could opt for liability-only coverage when their car doesn’t justify higher premiums. Driving experience on everything from mountain passes to city roads gives them confidence in going with a minimal policy. It can be ideal for those who prefer to spend wisely while maintaining legal limits.

These are the cheapest car insurance companies in Washington for 35-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $102 $1,226
Dairyland $116 $1,392
The General $120 $1,435
National General $133 $1,595
Bristol West $134 $1,613
Last Updated Jul 17, 2025

Cheapest full coverage in Washington for a 35-year-old

A 35-year-old in Washington might select full coverage insurance to handle wet roads, dense traffic and steep terrain. This policy type helps mitigate repair costs from common Pacific Northwest hazards and can be a smart financial move on new or higher value cars.

These are the cheapest car insurance companies in Washington for 35-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $208 $2,494
National General $218 $2,618
The General $246 $2,955
Dairyland $305 $3,654
Bristol West $356 $4,268
Last Updated Jul 19, 2025

Average car insurance costs for older drivers in Washington (55+)

For many drivers, car insurance is at its cheapest once they reach their mid-50s and early 60s, though costs can start to rise in their later years. Below are the average costs of car insurance for drivers in Washington aged 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $159 $1,914
65+ $163 $1,958
Last Updated Jul 17, 2025

Cheapest liability car insurance in Washington for a 65-year-old

In Washington, seniors may downsize to liability-only insurance when driving habits slow and cars age. Fewer miles and less traffic exposure reduce the need for broad protection. This lean coverage still offers required safeguards and can be a good choice for drivers embracing a more cautious routine and fixed budget.

These are the cheapest car insurance companies in Washington for 65-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $93 $1,113
Progressive $93 $1,117
Dairyland $93 $1,120
The General $95 $1,134
Bristol West $159 $1,909
Last Updated Jul 17, 2025

Cheapest full coverage in Washington for a 65-year-old

In Washington, older drivers might select full coverage to defend against rain-related damage and urban traffic accidents. Avoiding unexpected repair bills is key to protecting retirement savings and many seniors continue to drive regularly and value the reassurance that comprehensive coverage offers. This policy supports vehicle upkeep and financial security at the same time.

These are the cheapest car insurance companies in Washington for 65-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $153 $1,833
National General $155 $1,859
The General $164 $1,970
Dairyland $217 $2,599
Bristol West $254 $3,051
Last Updated Jul 17, 2025

Cheapest car insurance in Washington by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or DUI.

Cheap car insurance for drivers with clean records in Washington

Washington drivers with clean records usually qualify for more affordable and expansive insurance coverage. It reflects a history of careful, responsible driving and insurers take this as a reliable sign of reduced risk. A spotless record makes a strong impression.

These are the cheapest car insurance companies in Washington for drivers with clean driving histories, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $83 $998
Anchor General $111 $1,328
Safeco $144 $1,732
Trexis $158 $1,896
Progressive $166 $1,993
Last Updated Jul 17, 2025

Cheapest car insurance with a speeding ticket in Washington

Speeding tickets in Washington can alter how insurers view your driving profile. Even isolated events may influence rate calculations and providers consider these violations in policy renewals. It’s best to avoid them, and other violations, to keep your costs down.

These are the cheapest car insurance companies in Washington for drivers with a speeding ticket, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $81 $974
Safeco $227 $2,727
Progressive $241 $2,896
The General $254 $3,051
Dairyland $259 $3,105
Last Updated Jul 17, 2025

Cheapest car insurance after an at-fault accident with no injury in Washington

At-fault accidents without injuries in still signal concerns for insurers. Repair costs and administrative claims are part of the equation and your insurer may respond by adjusting your policy terms. These incidents contribute to your long-term risk score as well.

These are the cheapest car insurance companies in Washington for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Electric $198 $2,378
Progressive $250 $2,999
The General $256 $3,073
National General $262 $3,145
Dairyland $262 $3,149
Last Updated Jul 17, 2025

Cheapest auto insurance after an at-fault accident with injury in Washington

If you're at fault in an accident that causes injuries, your insurer may take serious action. These claims carry large costs and suggest elevated liability. Your coverage terms may tighten, and your rates may increase.

These are the cheapest car insurance companies in Washington for drivers with an at-fault accident with injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $231 $2,773
The General $236 $2,832
Dairyland $254 $3,051
Safeco $277 $3,330
Progressive $337 $4,045
Last Updated Jul 18, 2025

Cheapest car insurance with a DUI in Washington

A DUI conviction in Washington severely impacts your insurance eligibility. It reflects risky and unlawful driving behavior and insurers usually respond with higher rates and fewer policy options. The consequences are long-term and can follow you for years.

These are the cheapest car insurance companies in Washington for drivers with a DUI, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $194 $2,326
The General $226 $2,707
Dairyland $231 $2,769
National General $263 $3,152
Bristol West $272 $3,261
Last Updated Jul 17, 2025

Average auto insurance costs for Washington drivers with other violations

Other driving offenses in Washington, like failure to stop or driving with a suspended license, are recorded and used in insurance assessments. These violations reflect unreliable habits and over time, they can lead to more restrictive policy terms. A clean record is key to keeping insurance costs manageable.

Below are average car insurance costs in Washington for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $333 $3,998
Cell Phone $286 $3,427
Defective Equipment $170 $2,034
Driving on Sus. License $208 $2,497
Failure to Obey Traffic Sign $263 $3,151
Last Updated Jul 17, 2025

Cheapest auto insurance for low credit scores in Washington

Drivers in Washington with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Washington for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $185 $2,215
The General $199 $2,390
Dairyland $202 $2,423
National General $210 $2,522
Bristol West $331 $3,967
Last Updated Jul 17, 2025

Learn more: How a credit-based insurance score works


How to find cheap car insurance in Washington

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

Find affordable car insurance in minutes.

Learn more: The best car insurance companies


Factors that affect car insurance costs in Washington

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make and model.
  • Credit score.
  • Claims history.
  • Car usage and miles driven.
  • Age and gender.
  • Deductible amount.
  • Employment status and occupation.
  • Marital status.

Learn more: How car insurance rates are calculated


Proof of financial responsibility in Washington

Washington drivers must carry a minimum amount of liability insurance, or have another way to show proof of financial responsibility.

Instead of purchasing liability insurance, qualified drivers can apply for a certificate of deposit, which requires a minimum deposit of $60,000 with the Washington Department of Licensing or in a bank account set up for Washington state. Alternatively, drivers can get a liability bond for a minimum of $60,000. The bond must be filed by a state-authorized surety bond company.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.