The Cheapest Car Insurance in Washington for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Washington for a variety of ages and driving histories.
Dec 22, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Washington isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Washington is $1,317 per year, or about $110 per month, according to NerdWallet’s analysis. Minimum coverage in Washington is $472 per year on average, but we found you can likely get a cheaper policy. For example, Pemco offers the cheapest rates in Washington at $319 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Live in Seattle and need an affordable auto insurance rate? Check out NerdWallet's analysis of the cheapest car insurance in Seattle.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in Washington

Oregon Mutual

$79/month

Not yet rated.

Cheapest for minimum coverage

Pemco

$27/month

Not yet rated.

Cheapest for young drivers

$158/month

5.0

NerdWallet rating 
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How we chose the cheapest companies in Washington

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Washington and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Washington. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Washington for 20-year-olds

Drivers in Washington with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Travelers: $1,898 per year, or about $158 per month.

  2. CIG: $2,009 per year, or about $167 per month.

  3. Pemco: $2,116 per year, or about $176 per month.

  4. Geico: $2,300 per year, or about $192 per month.

  5. Mutual of Enumclaw: $2,333 per year, or about $194 per month.

Cheapest minimum coverage car insurance in Washington for 20-year-olds

Drivers in Washington who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Travelers: $643 per year, or about $54 per month.

  2. Pemco: $757 per year, or about $63 per month.

  3. California Casualty: $799 per year, or about $67 per month.

  4. Geico: $871 per year, or about $73 per month.

  5. CIG: $922 per year, or about $77 per month.

Cheapest auto insurance in Washington for 20-year-olds with poor credit

Drivers with poor credit in Washington should look at the following insurers with the lowest average rates for minimum coverage:

  1. Travelers: $643 per year, or about $54 per month.

  2. Geico: $871 per year, or about $73 per month.

  3. CIG: $922 per year, or about $77 per month.

  4. State Farm: $968 per year, or about $81 per month.

  5. Mutual of Enumclaw: $980 per year, or about $82 per month.

Cheapest auto insurance in Washington for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Washington, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $825 per year, or about $69 per month.

  2. Pemco: $920 per year, or about $77 per month.

  3. Geico: $1,034 per year, or about $86 per month.

  4. California Casualty: $1,083 per year, or about $90 per month.

  5. Oregon Mutual: $1,101 per year, or about $92 per month.

Cheapest auto insurance in Washington for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Travelers: $928 per year, or about $77 per month.

  2. Progressive: $1,082 per year, or about $90 per month.

  3. Pemco: $1,091 per year, or about $91 per month.

  4. Chubb: $1,224 per year, or about $102 per month.

  5. Geico: $1,484 per year, or about $124 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Washington for 30-year-olds

Drivers in Washington with clean driving records may get the lowest rates from these companies:

  1. Oregon Mutual: $980 per year, or about $82 per month.

  2. Pemco: $1,093 per year, or about $91 per month.

  3. Grange Insurance Association: $1,155 per year, or about $96 per month.

  4. Geico: $1,167 per year, or about $97 per month.

  5. Travelers: $1,175 per year, or about $98 per month.

Cheapest minimum coverage car insurance in Washington for 30-year-olds

Drivers in Washington who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Pemco: $320 per year, or about $27 per month.

  2. Grange Insurance Association: $327 per year, or about $27 per month.

  3. Oregon Mutual: $362 per year, or about $30 per month.

  4. Travelers: $400 per year, or about $33 per month.

  5. Geico: $411 per year, or about $34 per month.

Cheapest auto insurance in Washington for 30-year-olds with poor credit

Drivers with poor credit in Washington should consider the following companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $990 per year, or about $82 per month.

  2. Geico: $1,167 per year, or about $97 per month.

  3. Travelers: $1,175 per year, or about $98 per month.

  4. CIG: $1,191 per year, or about $99 per month.

  5. State Farm: $1,226 per year, or about $102 per month.

Cheapest auto insurance in Washington for 30-year-old drivers with one at-fault crash

For drivers in Washington with a recent accident, here are the lowest average rate options for full coverage:

  1. Oregon Mutual: $1,123 per year, or about $94 per month.

  2. Pemco: $1,372 per year, or about $114 per month.

  3. Travelers: $1,502 per year, or about $125 per month.

  4. CIG: $1,522 per year, or about $127 per month.

  5. State Farm: $1,582 per year, or about $132 per month.

Cheapest auto insurance in Washington for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Oregon Mutual: $1,485 per year, or about $124 per month.

  2. Progressive: $1,502 per year, or about $125 per month.

  3. Pemco: $1,594 per year, or about $133 per month.

  4. Travelers: $1,628 per year, or about $136 per month.

  5. Chubb: $1,792 per year, or about $149 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Washington for 40-year-olds

Drivers in Washington with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Oregon Mutual: $887 per year, or about $74 per month.

  2. Travelers: $1,051 per year, or about $88 per month.

  3. Pemco: $1,068 per year, or about $89 per month.

  4. CIG: $1,116 per year, or about $93 per month.

  5. Progressive: $1,129 per year, or about $94 per month.

Cheapest minimum coverage car insurance in Washington for 40-year-olds

Drivers in Washington who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Grange Insurance Association: $327 per year, or about $27 per month.

  2. Pemco: $330 per year, or about $28 per month.

  3. Oregon Mutual: $332 per year, or about $28 per month.

  4. Travelers: $361 per year, or about $30 per month.

  5. Progressive: $405 per year, or about $34 per month.

Cheapest auto insurance in Washington for 40-year-olds with poor credit

Drivers with poor credit in Washington can check out the following insurers with the lowest average rates for full coverage:

  1. Oregon Mutual: $887 per year, or about $74 per month.

  2. Travelers: $1,051 per year, or about $88 per month.

  3. CIG: $1,116 per year, or about $93 per month.

  4. Geico: $1,167 per year, or about $97 per month.

  5. State Farm: $1,192 per year, or about $99 per month.

Cheapest auto insurance in Washington for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Washington, here are the companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,063 per year, or about $89 per month.

  2. CIG: $1,410 per year, or about $118 per month.

  3. Pemco: $1,417 per year, or about $118 per month.

  4. Travelers: $1,424 per year, or about $119 per month.

  5. State Farm: $1,538 per year, or about $128 per month.

Cheapest auto insurance in Washington for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Oregon Mutual: $1,421 per year, or about $118 per month.

  2. Progressive: $1,433 per year, or about $119 per month.

  3. Travelers: $1,545 per year, or about $129 per month.

  4. Pemco: $1,682 per year, or about $140 per month.

  5. Chubb: $1,707 per year, or about $142 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Washington for 50-year-olds

Drivers in Washington with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Oregon Mutual: $876 per year, or about $73 per month.

  2. Geico: $1,006 per year, or about $84 per month.

  3. Progressive: $1,025 per year, or about $85 per month.

  4. Travelers: $1,037 per year, or about $86 per month.

  5. Pemco: $1,058 per year, or about $88 per month.

Cheapest minimum coverage car insurance in Washington for 50-year-olds

Drivers in Washington who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Grange Insurance Association: $313 per year, or about $26 per month.

  2. Oregon Mutual: $327 per year, or about $27 per month.

  3. Pemco: $331 per year, or about $28 per month.

  4. Geico: $348 per year, or about $29 per month.

  5. Travelers: $361 per year, or about $30 per month.

Cheapest auto insurance in Washington for 50-year-olds with poor credit

Drivers with poor credit in Washington can check with the following companies, which showed the lowest average rates for full coverage:

  1. Oregon Mutual: $876 per year, or about $73 per month.

  2. Geico: $1,006 per year, or about $84 per month.

  3. Travelers: $1,037 per year, or about $86 per month.

  4. CIG: $1,076 per year, or about $90 per month.

  5. State Farm: $1,162 per year, or about $97 per month.

Cheapest auto insurance in Washington for 50-year-old drivers with one at-fault crash

For drivers living in Washington with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Oregon Mutual: $1,091 per year, or about $91 per month.

  2. CIG: $1,355 per year, or about $113 per month.

  3. Travelers: $1,406 per year, or about $117 per month.

  4. Pemco: $1,459 per year, or about $122 per month.

  5. State Farm: $1,501 per year, or about $125 per month.

Cheapest auto insurance in Washington for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Progressive: $1,354 per year, or about $113 per month.

  2. Oregon Mutual: $1,468 per year, or about $122 per month.

  3. Travelers: $1,525 per year, or about $127 per month.

  4. Chubb: $1,664 per year, or about $139 per month.

  5. CIG: $1,747 per year, or about $146 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Washington for 60-year-olds

Drivers in Washington with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Oregon Mutual: $918 per year, or about $76 per month.

  2. Travelers: $962 per year, or about $80 per month.

  3. Pemco: $988 per year, or about $82 per month.

  4. Geico: $1,006 per year, or about $84 per month.

  5. Progressive: $1,008 per year, or about $84 per month.

Cheapest minimum coverage car insurance in Washington for 60-year-olds

Drivers in Washington who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Pemco: $306 per year, or about $26 per month.

  2. Grange Insurance Association: $313 per year, or about $26 per month.

  3. Travelers: $346 per year, or about $29 per month.

  4. Geico: $348 per year, or about $29 per month.

  5. Oregon Mutual: $350 per year, or about $29 per month.

Cheapest auto insurance in Washington for 60-year-olds with poor credit

Drivers with poor credit in Washington can look at the following companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $918 per year, or about $76 per month.

  2. Travelers: $962 per year, or about $80 per month.

  3. Geico: $1,006 per year, or about $84 per month.

  4. CIG: $1,047 per year, or about $87 per month.

  5. State Farm: $1,098 per year, or about $92 per month.

Cheapest auto insurance in Washington for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Washington, here are the companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,165 per year, or about $97 per month.

  2. CIG: $1,316 per year, or about $110 per month.

  3. Travelers: $1,367 per year, or about $114 per month.

  4. Pemco: $1,381 per year, or about $115 per month.

  5. State Farm: $1,417 per year, or about $118 per month.

Cheapest auto insurance in Washington for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $1,336 per year, or about $111 per month.

  2. Chubb: $1,462 per year, or about $122 per month.

  3. Travelers: $1,484 per year, or about $124 per month.

  4. Oregon Mutual: $1,565 per year, or about $130 per month.

  5. State Farm: $1,662 per year, or about $138 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for 20 of the 48 driver profiles we examined.

Minimum auto insurance limits required in Washington

Washington drivers are required to purchase liability insurance. If you’re ever found at fault in a car accident, liability coverage pays for others’ property damage and injury expenses so you don’t have to cover these bills out of your own pocket.

The minimum auto liability limits in Washington are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $10,000 property damage liability per crash.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

While this will be enough to drive legally, it’s usually wise to select more than the bare minimum, because a serious crash could easily leave you owing more than, say, $10,000 in property damage. You might also want common optional coverages such as collision, comprehensive and uninsured motorist protection.

Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the parts of your Washington auto policy work.

Alternative car insurance in Washington

Drivers who are denied coverage on the voluntary market because of a spotty driving record or other factors can apply for a policy through the Washington Automobile Insurance Plan.

Or, you could forgo auto insurance entirely by posting a certificate of deposit with the state for at least $60,000 to prove your financial responsibility under Washington law.

For more help finding great rates on your Washington auto coverage, try NerdWallet’s tool for car insurance comparisons.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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