Cheapest Car Insurance in Washington
Numbers refreshed
Insurers ranked by price in places where Washington releases them, plus ways to lower your own bill.
- $70.the average monthly price for the legal minimum.
- 25/50/10.the minimum liability limits.
- 20th of 51.the most expensive state (1st = highest).
Who has the lowest rates in Washington
Washington doesn't publish a price comparison of insurers, so official figures can't rank every company there. A legal policy at the cheapest rate averages $834 a year, or about $70 a month (NAIC).
Get the same limits and deductibles quoted by at least three insurers. Very different prices often show up for a single driver, depending on whether you ask a direct writer, a local agent or a regional company.
Ways to lower your bill
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $687 a year on the Washington average.
- Raise your deductible; what you save each year often beats the extra cost of a single claim.
- Ask for discounts one by one and use the right name: safe-driving apps, bundling home and auto, multi-car, good student, paying in full.
- When your policy renews, check prices again; a rise for you doesn't mean other companies' rates rose too.
First written