Car Insurance in Washington
Figures updated
What Washington drivers pay, the legal minimum and which insurers cost the least.
- $127.the average monthly cost for full coverage.
- 25/50/10.the minimum liability limits.
- 20th of 51.the most expensive state (1st = highest).
How much car insurance costs in Washington
For full coverage, the average Washington driver pays $1,522 a year, or about $127 a month. With only the legal minimum, a policy averages $834 a year. That figure is 6% less than the US average, which is $1,613 a year.
| Coverage in Washington | Per year | Per month |
|---|---|---|
| Liability | $834 | $70 |
| Collision | $469 | $39 |
| Comprehensive | $218 | $18 |
| Full coverage (all three) | $1,522 | $127 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Minimum coverage required in Washington
The required minimum in Washington is 25/50/10 liability coverage. The limits include $25,000 per injured person and $50,000 for everyone injured in one crash. Damage to other people's property has a $10,000 limit.
Washington is an at-fault state. A driver at fault for a crash pays through their liability cover.
Insurers aren't required to include uninsured motorist cover, though most states do require them to offer it.
Source: Washington DOL, Mandatory Insurance.
How many Washington drivers lack insurance
In 2023, about 19% of Washington drivers had no car insurance, the 10th highest share of the 51. If an uninsured driver hits you, this cover pays your bills.
Additional car insurance topics for Washington
It was first written