The Cheapest Car Insurance in Washington for June 2024

CIG offers the cheapest car insurance in Washington, with an average annual rate of $824 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Washington isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Washington is CIG at $874 per year on average, or $73 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Washington. Meanwhile, the average cost of full coverage car insurance in Washington is $1,500 per year, or about $125 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Washington. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Washington is $509 per year on average, but we found you can likely get a cheaper policy. For example, Pemco offers the cheapest rates in Washington at $230 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.

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How we chose the cheapest companies in Washington

NerdWallet’s editorial team analyzed car insurance rates from 23 auto insurers in Washington and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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.

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 Washington 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 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. CIG: $1,637 per year, or about $136 per month.
  2. Progressive: $2,350 per year, or about $196 per month.
  3. Oregon Mutual: $2,542 per year, or about $212 per month.
  4. Pemco: $2,687 per year, or about $224 per month.
  5. Kemper: $2,699 per year, or about $225 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. Pemco: $507 per year, or about $42 per month.
  2. California Casualty: $598 per year, or about $50 per month.
  3. CIG: $654 per year, or about $55 per month.
  4. Progressive: $798 per year, or about $66 per month.
  5. Geico: $800 per year, or about $67 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. California Casualty: $598 per year, or about $50 per month.
  2. CIG: $654 per year, or about $55 per month.
  3. Pemco: $838 per year, or about $70 per month.
  4. Progressive: $955 per year, or about $80 per month.
  5. Chubb: $1,006 per year, or about $84 per month.

Cheapest auto insurance in Washington for 20-year-old drivers with one speeding ticket

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

  1. Pemco: $582 per year, or about $49 per month.
  2. California Casualty: $749 per year, or about $62 per month.
  3. CIG: $889 per year, or about $74 per month.
  4. Progressive: $907 per year, or about $76 per month.
  5. Geico: $994 per year, or about $83 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. California Casualty: $650 per year, or about $54 per month.
  2. Pemco: $660 per year, or about $55 per month.
  3. CIG: $902 per year, or about $75 per month.
  4. Progressive: $1,064 per year, or about $89 per month.
  5. Geico: $1,095 per year, or about $91 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. Pemco: $770 per year, or about $64 per month.
  2. Progressive: $887 per year, or about $74 per month.
  3. Geico: $1,140 per year, or about $95 per month.
  4. California Casualty: $1,179 per year, or about $98 per month.
  5. CIG: $1,238 per year, or about $103 per month.

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

  1. CIG: $939 per year, or about $78 per month.
  2. Oregon Mutual: $1,056 per year, or about $88 per month.
  3. Kemper: $1,060 per year, or about $88 per month.
  4. Travelers: $1,065 per year, or about $89 per month.
  5. Progressive: $1,092 per year, or about $91 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: $260 per year, or about $22 per month.
  2. Grange Insurance Association: $285 per year, or about $24 per month.
  3. CIG: $302 per year, or about $25 per month.
  4. California Casualty: $320 per year, or about $27 per month.
  5. Oregon Mutual: $362 per year, or about $30 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. CIG: $939 per year, or about $78 per month.
  2. Oregon Mutual: $1,056 per year, or about $88 per month.
  3. Kemper: $1,060 per year, or about $88 per month.
  4. American Family: $1,398 per year, or about $116 per month.
  5. California Casualty: $1,548 per year, or about $129 per month.

Cheapest auto insurance in Washington for 30-year-old drivers with one speeding ticket

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

  1. Pemco: $326 per year, or about $27 per month.
  2. Grange Insurance Association: $337 per year, or about $28 per month.
  3. Oregon Mutual: $400 per year, or about $33 per month.
  4. CIG: $410 per year, or about $34 per month.
  5. State Farm: $423 per year, or about $35 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: $1,210 per year, or about $101 per month.
  2. CIG: $1,290 per year, or about $108 per month.
  3. Travelers: $1,387 per year, or about $116 per month.
  4. Kemper: $1,473 per year, or about $123 per month.
  5. Progressive: $1,629 per year, or about $136 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. Progressive: $1,285 per year, or about $107 per month.
  2. Oregon Mutual: $1,591 per year, or about $133 per month.
  3. CIG: $1,622 per year, or about $135 per month.
  4. Pemco: $2,029 per year, or about $169 per month.
  5. Bristol West: $2,147 per year, or about $179 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. CIG: $874 per year, or about $73 per month.
  2. Oregon Mutual: $952 per year, or about $79 per month.
  3. Kemper: $1,007 per year, or about $84 per month.
  4. Progressive: $1,028 per year, or about $86 per month.
  5. Travelers: $1,120 per year, or about $93 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. Pemco: $219 per year, or about $18 per month.
  2. CIG: $284 per year, or about $24 per month.
  3. Grange Insurance Association: $285 per year, or about $24 per month.
  4. California Casualty: $327 per year, or about $27 per month.
  5. Oregon Mutual: $334 per year, or about $28 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. CIG: $874 per year, or about $73 per month.
  2. Oregon Mutual: $952 per year, or about $79 per month.
  3. Kemper: $1,007 per year, or about $84 per month.
  4. American Family: $1,367 per year, or about $114 per month.
  5. Progressive: $1,484 per year, or about $124 per month.

Cheapest auto insurance in Washington for 40-year-old drivers with one speeding ticket

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

  1. Pemco: $296 per year, or about $25 per month.
  2. Grange Insurance Association: $337 per year, or about $28 per month.
  3. Oregon Mutual: $376 per year, or about $31 per month.
  4. CIG: $386 per year, or about $32 per month.
  5. State Farm: $416 per year, or about $35 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: $1,142 per year, or about $95 per month.
  2. CIG: $1,183 per year, or about $99 per month.
  3. Kemper: $1,398 per year, or about $117 per month.
  4. Travelers: $1,471 per year, or about $123 per month.
  5. Progressive: $1,553 per year, or about $129 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. Progressive: $1,217 per year, or about $101 per month.
  2. CIG: $1,487 per year, or about $124 per month.
  3. Oregon Mutual: $1,514 per year, or about $126 per month.
  4. Pemco: $1,797 per year, or about $150 per month.
  5. Chubb: $2,059 per year, or about $172 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 auto 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. CIG: $839 per year, or about $70 per month.
  2. Progressive: $923 per year, or about $77 per month.
  3. Kemper: $933 per year, or about $78 per month.
  4. Oregon Mutual: $936 per year, or about $78 per month.
  5. Travelers: $1,061 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. Pemco: $226 per year, or about $19 per month.
  2. Grange Insurance Association: $271 per year, or about $23 per month.
  3. CIG: $276 per year, or about $23 per month.
  4. Progressive: $320 per year, or about $27 per month.
  5. California Casualty: $326 per year, or about $27 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. CIG: $839 per year, or about $70 per month.
  2. Kemper: $933 per year, or about $78 per month.
  3. Oregon Mutual: $936 per year, or about $78 per month.
  4. American Family: $1,251 per year, or about $104 per month.
  5. Progressive: $1,385 per year, or about $115 per month.

Cheapest auto insurance in Washington for 50-year-old drivers with one speeding ticket

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

  1. Pemco: $320 per year, or about $27 per month.
  2. Grange Insurance Association: $322 per year, or about $27 per month.
  3. CIG: $372 per year, or about $31 per month.
  4. Oregon Mutual: $382 per year, or about $32 per month.
  5. State Farm: $402 per year, or about $33 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. CIG: $1,134 per year, or about $95 per month.
  2. Oregon Mutual: $1,168 per year, or about $97 per month.
  3. Kemper: $1,294 per year, or about $108 per month.
  4. Travelers: $1,404 per year, or about $117 per month.
  5. Progressive: $1,537 per year, or about $128 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: $1,183 per year, or about $99 per month.
  2. CIG: $1,419 per year, or about $118 per month.
  3. Oregon Mutual: $1,563 per year, or about $130 per month.
  4. Pemco: $1,887 per year, or about $157 per month.
  5. Chubb: $1,953 per year, or about $163 per month.

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 car 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. CIG: $810 per year, or about $68 per month.
  2. Kemper: $886 per year, or about $74 per month.
  3. Progressive: $939 per year, or about $78 per month.
  4. Oregon Mutual: $980 per year, or about $82 per month.
  5. Travelers: $1,118 per year, or about $93 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: $256 per year, or about $21 per month.
  2. CIG: $270 per year, or about $23 per month.
  3. Grange Insurance Association: $271 per year, or about $23 per month.
  4. State Farm: $316 per year, or about $26 per month.
  5. California Casualty: $327 per year, or about $27 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. CIG: $810 per year, or about $68 per month.
  2. Kemper: $886 per year, or about $74 per month.
  3. Oregon Mutual: $980 per year, or about $82 per month.
  4. American Family: $1,262 per year, or about $105 per month.
  5. Progressive: $1,363 per year, or about $114 per month.

Cheapest auto insurance in Washington for 60-year-old drivers with one speeding ticket

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

  1. Grange Insurance Association: $322 per year, or about $27 per month.
  2. CIG: $364 per year, or about $30 per month.
  3. Pemco: $369 per year, or about $31 per month.
  4. State Farm: $369 per year, or about $31 per month.
  5. Chubb: $413 per year, or about $34 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. CIG: $1,097 per year, or about $91 per month.
  2. Kemper: $1,226 per year, or about $102 per month.
  3. Oregon Mutual: $1,246 per year, or about $104 per month.
  4. Travelers: $1,487 per year, or about $124 per month.
  5. Progressive: $1,559 per year, or about $130 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: $1,184 per year, or about $99 per month.
  2. CIG: $1,380 per year, or about $115 per month.
  3. Oregon Mutual: $1,650 per year, or about $138 per month.
  4. Chubb: $1,789 per year, or about $149 per month.
  5. American Family: $1,974 per year, or about $164 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Washington for 70-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. CIG: $862 per year, or about $72 per month.
  2. Kemper: $952 per year, or about $79 per month.
  3. Oregon Mutual: $1,116 per year, or about $93 per month.
  4. Progressive: $1,161 per year, or about $97 per month.
  5. Travelers: $1,315 per year, or about $110 per month.

Cheapest minimum coverage car insurance in Washington for 70-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. Grange Insurance Association: $289 per year, or about $24 per month.
  2. CIG: $306 per year, or about $26 per month.
  3. Pemco: $324 per year, or about $27 per month.
  4. State Farm: $351 per year, or about $29 per month.
  5. Chubb: $402 per year, or about $34 per month.

Cheapest auto insurance in Washington for 70-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. CIG: $862 per year, or about $72 per month.
  2. Kemper: $952 per year, or about $79 per month.
  3. Oregon Mutual: $1,116 per year, or about $93 per month.
  4. American Family: $1,442 per year, or about $120 per month.
  5. Chubb: $1,534 per year, or about $128 per month.

Cheapest auto insurance in Washington for 70-year-old drivers with one speeding ticket

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

  1. Grange Insurance Association: $342 per year, or about $29 per month.
  2. State Farm: $410 per year, or about $34 per month.
  3. CIG: $412 per year, or about $34 per month.
  4. Chubb: $438 per year, or about $37 per month.
  5. Pemco: $469 per year, or about $39 per month.

Cheapest auto insurance in Washington for 70-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. CIG: $1,166 per year, or about $97 per month.
  2. Kemper: $1,320 per year, or about $110 per month.
  3. Oregon Mutual: $1,426 per year, or about $119 per month.
  4. Travelers: $1,832 per year, or about $153 per month.
  5. California Casualty: $1,838 per year, or about $153 per month.

Cheapest auto insurance in Washington for 70-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. CIG: $1,480 per year, or about $123 per month.
  2. Progressive: $1,625 per year, or about $135 per month.
  3. Oregon Mutual: $1,682 per year, or about $140 per month.
  4. Chubb: $1,849 per year, or about $154 per month.
  5. American Family: $2,269 per year, or about $189 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 among the cheapest five auto insurance options for 69 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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