The cheapest car insurance in Washington, at a glance
Kemper offers the cheapest full coverage in Washington, with an average rate of $92 per month, according to NerdWallet's June 2025 analysis.
State Farm has the cheapest liability coverage in Washington, with an average rate of $34 per month.
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More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state 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.
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The average cost of full coverage car insurance in Washington is $2,155 per year, or $180 per month, according to our analysis. Minimum coverage in Washington costs an average of $625 per year, or $52 per month.
Cheapest car insurance in Washington for June 2025
NerdWallet analyzed rates for 22 insurers to find the cheapest auto insurance in Washington. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the companies offering the best deals for a variety of driver profiles.
Note that your rates will probably be different because of personal characteristics like your age, driving record, car and ZIP code. We recommend getting quotes from several of the companies below to find out which insurer will actually be the cheapest for you.
Full coverage insurance will help pay for repairs to your own vehicle after an at-fault accident, as well as damage and injuries you cause to others.
If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.
The rates below are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Kemper | $1,101 | $92 |
| Travelers | $1,269 | $106 |
| Progressive | $1,516 | $126 |
| American Family | $1,557 | $130 |
| Oregon Mutual | $1,644 | $137 |
Liability coverage pays only for damage you cause to others, so you’ll have to pay for your own repairs yourself if you don’t have full coverage. Drivers in Washington are required to have a minimum amount of liability insurance, which covers others’ injuries and property damage if you are the at-fault driver in an accident. See Washington's minimum coverage requirements.
These rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $410 | $34 |
| Pemco | $427 | $36 |
| Grange Insurance Association | $438 | $37 |
| Travelers | $457 | $38 |
| Chubb | $468 | $39 |
Having a DUI or at-fault accident on your record will cause your rates to go up — or even double. But each car insurer prices these incidents a little differently, so it’s worth shopping around for the best rates.
The rates below are for 35-year-old drivers with full coverage.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Kemper | $1,101 |
| After a DUI | Progressive | $1,706 |
| After an accident | Kemper | $1,529 |
| After a speeding ticket | Kemper | $1,441 |
| Having poor credit | Kemper | $1,101 |
Rates refreshed June 2025.
Risks of liability car insurance
Liability coverage is typically the cheapest car insurance available, and that usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit-and-run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
Cheap car insurance in Seattle
Your ZIP code is one of the key factors in determining what you’ll pay for auto insurance. Here are the cheapest rates for car insurance in Seattle for a 35-year-old driver.
Cheapest auto insurance in Washington by age
Age is one of the most important factors in determining how much you’ll pay for car insurance. Below you'll find full and liability coverage rates from the cheapest car insurance companies for drivers across a range of ages. All rates are for drivers with clean driving records and good credit.
- For 20-year-old drivers
Prices can be sky-high in your 20s, 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. Read more about car insurance for teens and young drivers.
Company Median annual rate Median monthly rate Kemper $2,902 $242 Progressive $3,096 $258 CIG $3,484 $290 GEICO $3,670 $306 Chubb $3,862 $322 Company Median annual rate Median monthly rate Pemco $931 $78 GEICO $988 $82 Progressive $1,015 $85 Chubb $1,056 $88 CIG $1,118 $93 Rates refreshed June 2025 .
- 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.
Company Median annual rate Median monthly rate Kemper $1,137 $95 Travelers $1,295 $108 Progressive $1,542 $129 American Family $1,573 $131 Oregon Mutual $1,720 $143 Company Median annual rate Median monthly rate State Farm $417 $35 Grange Insurance Association $438 $37 Travelers $455 $38 Pemco $480 $40 Chubb $489 $41 Rates refreshed June 2025.
- For 40-year-old drivers
While insurance rates vary by age and gender, drivers in their 40s can often expect to get cheap insurance rates from most companies. However, you may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate Kemper $1,078 $90 Travelers $1,269 $106 Progressive $1,455 $121 American Family $1,539 $128 Oregon Mutual $1,544 $129 Company Median annual rate Median monthly rate Pemco $406 $34 State Farm $410 $34 Grange Insurance Association $438 $37 Chubb $441 $37 Travelers $471 $39 Rates refreshed June 2025.
- For 60-year-old drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Company Median annual rate Median monthly rate Kemper $947 $79 Travelers $1,261 $105 Progressive $1,362 $113 American Family $1,414 $118 Oregon Mutual $1,590 $133 Company Median annual rate Median monthly rate State Farm $363 $30 Chubb $399 $33 Grange Insurance Association $417 $35 Progressive $433 $36 CIG $448 $37 Rates refreshed June 2025.
- For 70-year-old drivers
Our analysis shows that older drivers with a good credit score and clean driving history enjoy some of the cheapest auto insurance rates, but car insurance rates for senior drivers start to creep up once you reach your 70s.
Company Median annual rate Median monthly rate Kemper $1,017 $85 Travelers $1,573 $131 American Family $1,620 $135 Progressive $1,706 $142 GEICO $1,733 $144 Company Median annual rate Median monthly rate State Farm $404 $34 Chubb $424 $35 Grange Insurance Association $446 $37 CIG $512 $43 GEICO $512 $43 Rates refreshed June 2025.
Cheapest car insurance in Washington by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Washington drivers with different driving records. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
- After a speeding ticket
In most cases, a speeding ticket affects the cost of car insurance — but insurers calculate prices differently. If your rate went up after a recent ticket, you may still be able to get cheaper coverage by shopping around.
Company Median annual rate Median monthly rate Kemper $1,441 $120 Progressive $1,802 $150 Oregon Mutual $1,872 $156 Travelers $1,888 $157 American Family $2,069 $172 Company Median annual rate Median monthly rate State Farm $478 $40 Chubb $511 $43 Pemco $518 $43 Grange Insurance Association $520 $43 Oregon Mutual $614 $51 Rates refreshed June 2025.
- After one at-fault accident
An accident can affect your car insurance costs for up to three years, depending on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. You might find cheaper options if you shop around.
Company Median annual rate Median monthly rate Kemper $1,529 $127 Oregon Mutual $1,644 $137 Travelers $1,674 $140 Progressive $2,010 $167 American Family $2,333 $194 Company Median annual rate Median monthly rate State Farm $540 $45 Oregon Mutual $548 $46 Pemco $557 $46 Chubb $578 $48 Travelers $626 $52 Rates refreshed June 2025.
- After a DUI
A DUI on your driving record can significantly increase how much you pay for car insurance. Our analysis showed that a 35-year-old in Washington with a clean driving history could get full coverage insurance for $92 a month, while that same driver could pay $142 for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company Median annual rate Median monthly rate Progressive $1,706 $142 National General $2,191 $183 American Family $2,495 $208 Chubb $2,568 $214 Oregon Mutual $2,613 $218 Company Median annual rate Median monthly rate Progressive $563 $47 Chubb $578 $48 State Farm $643 $54 Pemco $652 $54 National General $713 $59 Rates refreshed June 2025.
More Nerdy Perspective
Think carefully about whether to drop collision coverage when it’s no longer required. When my car loan was paid off, I got into an accident before I got around to reducing my coverage. The insurance payout was enough to replace my totaled vehicle with a newer-model used car. Opting for less coverage can lower your premium, but in Washington, where car insurance rates are typically below the national average, some drivers may prefer to keep full coverage.
Cheapest car insurance in Washington by credit history
Your credit history can impact your auto insurance rates in Washington. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old drivers with poor credit.
- Good credit
Company Median annual rate Median monthly rate Kemper $1,101 $92 Travelers $1,269 $106 Progressive $1,516 $126 American Family $1,557 $130 Oregon Mutual $1,644 $137 Company Median annual rate Median monthly rate State Farm $410 $34 Pemco $427 $36 Grange Insurance Association $438 $37 Travelers $457 $38 Chubb $468 $39 Rates refreshed June 2025.
Cheapest car insurance in Washington for military families
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose policies aren’t available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 54 of the 70 driver profiles we examined. Read our USAA auto insurance review for more details.
Insurance companies with a focus in the Pacific Northwest, like CIG or Pemco, may be a good place to start when looking for cheap car insurance in Washington. Regional or even local insurers can be more affordable than larger insurers, but the only way to know for sure is to compare car insurance quotes and see which is cheapest for you.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Minimum auto insurance limits 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.
A perk for Washington drivers
One benefit of being a Washington driver is access to roadside assistance through the Incident Response Program. This program combines resources from emergency responders, towing services, highway clean-up and other groups to deal with anything from flat tires to multi-vehicle accidents.
If you need assistance, dial 911 and the call responder will direct the proper team to help you.
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
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
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.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
