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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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:

• Ask your insurer about discounts you qualify for.
• Install a telematics app on your phone. 
• Improve your credit score.
• Pay your policy in full.
• Bundle your home and car insurance policies with the same company. 

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.

Cheapest car insurance data 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.

On this page

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

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Summary

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Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

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.

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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.

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