Full Coverage Car Insurance in Washington
Numbers refreshed
Liability, collision and comprehensive together, priced from the Washington averages.
- $127.the monthly average for full coverage.
- 25/50/10.the minimum liability limits.
- 20th of 51.the most expensive state (1st = highest).
How much full coverage costs in Washington
Full coverage adds collision and comprehensive to liability. Those two parts run $687 a year in Washington, on top of the $834 average for liability.
| 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).
The point where full coverage stops paying off
If you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the $687 a year that extra cover costs. When one bad year of premiums would cover most of what the car is worth, liability alone is usually the smarter pick.
Car by car, full coverage in Washington
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Out of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $960 | $80 |
| Honda CR-V | $988 | $82 |
| Subaru Outback | $1,046 | $87 |
| Toyota RAV4 | $1,166 | $97 |
| Mercedes-Benz C-Class | $2,014 | $168 |
| Chevrolet Camaro | $2,346 | $195 |
| Dodge Charger | $2,765 | $230 |
| Dodge Challenger | $2,808 | $234 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written