Cheap Car Insurance in Washington 2019

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Average Washington insurance premiums by company

Average annual premium

$1,281

$1,518

$1,541

$1,574

$1,592

$1,601

$1,603

$1,606

$1,643

$1,665

$1,672

$1,743

$1,753

$1,765

$1,816

$1,902

Increase after a speeding ticket

Washington drivers who get a speeding ticket pay an average insurance increase of 29%, slightly higher than the average increase nationwide.

Increase after an accident

Washington drivers who cause an accident get an average insurance increase of 39%, slightly higher than the national average increase.

Average premiums in Washington cities

Drivers in Auburn, a suburb of Seattle, pay the most for auto insurance among the Washington cities we examined.

Average annual premium

$1,834

$1,548

$1,384

$1,577

$1,498

$1,713

$1,731

$1,429

$1,743

$1,650

$1,795

$1,713

$1,591

$1,609

$1,754

$1,492

$1,753

$1,688

$1,482

$1,803

$1,579

$1,538

Minimum car insurance in Washington

Compared to many other states, Washington doesn't require much auto insurance. Car owners must buy only low levels of liability insurance. But if you have only the state-required amount of car insurance and cause an accident, you can be sued for accident bills your insurance doesn't cover. Also, liability insurance doesn't cover damage to your own car, or auto theft.

Other Washington auto insurance options

Personal injury protection (PIP): PIP is not required in Washington but it is available. PIP covers your medical bills, lost wages, cost of services you can't perform, or funeral expenses after a car accident. It doesn't matter who caused the accident.

If you buy PIP, here's the minimum coverage in Washington:

Comprehensive and collision coverage: These are not required by the state, but you may be required to buy them if you have a car loan or lease. They cover damage to your own vehicle from problems such as a car accident, hitting a tree, hail, fire and floods. Comprehensive insurance also covers car theft.

Rental reimbursement: Rental reimbursement is not required but can come in handy if you want your insurance to pay for a rental car while your vehicle is being repaired after an accident. There is typically a maximum reimbursement per day and maximum total.

You must show an insurance ID card (or other proof of financial responsibility) in Washington when:

Penalty for not having auto insurance in Washington

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Sept. 5, 2019

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