Best Cheap Car Insurance Quotes in Washington (2026)
Mutual of Enumclaw has the cheapest car insurance in Washington. At $137 per month, full coverage from Mutual of Enumclaw is $82 per month less than the state average.
Find Cheap Auto Insurance Quotes in Washington
Best cheap car insurance in Washington
Best and cheapest car insurance in Washington
- Cheapest full coverage: Mutual of Enumclaw, $137/mo
- Cheapest minimum liability: Mutual of Enumclaw, $53/mo
- Cheapest for young drivers: Mutual of Enumclaw, $160/mo
- Cheapest after a ticket: Mutual of Enumclaw, $167/mo
- Cheapest after an accident: Mutual of Enumclaw, $185/mo
- Cheapest for teens after a ticket: Mutual of Enumclaw, $207/mo
- Cheapest after a DUI: Mutual of Enumclaw, $239/mo
- Cheapest for poor credit: Geico, $212/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Mutual of Enumclaw has the best mix of reliable customer service and cheap quotes in Washington. But you can't get a quote or manage your policy online.
State Farm is the best choice if you prefer to get a quote or manage your policy online. It has affordable rates, great customer service and a well-rated mobile app.
Cheapest Washington car insurance rates: Mutual of Enumclaw
Mutual of Enumclaw, State Farm and USAA have the cheapest full coverage quotes in Washington.
Find Cheap Auto Insurance Quotes in Washington
- Mutual of Enumclaw has the cheapest full coverage rates for most people in Washington, at $137 per month. That's 37% cheaper than the state average. But the company doesn't offer online quotes, so you have to contact an agent to get pricing.
- State Farm is the best choice if you prefer to compare quotes online. At $169 per month, full coverage from State Farm is 23% cheaper than average.
- USAA has the cheapest rates overall, at $133 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Best cheap full coverage car insurance in Washington state
Company | Monthly rate | |
|---|---|---|
| Mutual of Enumclaw | $137 |
| State Farm | $169 |
| Geico | $172 |
| Travelers | $178 |
| Progressive | $223 |
*USAA is only available to current and former military members and their families.
Data-powered research on Washington car insurance
| Data-powered research on WA car insurance |
|---|
Cheapest liability insurance in Washington state: Mutual of Enumclaw
Mutual of Enumclaw is the cheapest company in Washington state for minimum liability car insurance.
Liability-only coverage from Mutual of Enumclaw costs an average of $53 per month, which is $25 per month less than the overall state average.
Cheap minimum car insurance in Washington state
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $53 |
| State Farm | $62 |
| Geico | $64 |
| Travelers | $68 |
| Progressive | $69 |
*USAA is only available to current and former military members and their families.
USAA has even cheaper rates for Washington drivers with military ties, at just $39 per month for a minimum liability policy.
Find Cheap Auto Insurance Quotes in Washington
Cheapest Washington auto insurance for teens: Mutual of Enumclaw
Mutual of Enumclaw has the most affordable quotes for young drivers in Washington.
A minimum liability policy from Mutual of Enumclaw costs $160 per month for an 18-year-old driver. That's one-third less than the Washington state average of $243 per month.
Teen drivers can also find the cheapest full coverage insurance at Mutual of Enumclaw. A policy costs $347 per month, which is $257 per month less than the state average.
Affordable car insurance in Washington for teens
Company | Liability only | Full coverage |
|---|---|---|
| Mutual of Enumclaw | $160 | $347 |
| State Farm | $193 | $482 |
| Geico | $196 | $500 |
| Travelers | $196 | $454 |
| Pemco | $266 | $770 |
*USAA is only available to current and former military members and their families.
In Washington, 18-year-old drivers pay around three times as much for car insurance as older drivers. That's because their lack of experience behind the wheel typically leads to more accidents.
Young drivers can get the best car insurance rates by sharing a policy with their parents.
Many companies also have discounts geared toward young drivers. For example, you can earn a discount with State Farm's Steer Clear program when you take online safety courses and practice driving with a mentor.
Best Washington insurance after a speeding ticket: Mutual of Enumclaw
Mutual of Enumclaw has the cheapest quotes for Washington drivers with a recent speeding ticket. Full coverage from Mutual of Enumclaw costs $167 per month, which is $124 per month less than the Washington average.
Cheapest WA state auto insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $167 |
| State Farm | $184 |
| Travelers | $222 |
| Geico | $261 |
| Progressive | $301 |
*USAA is only available to current and former military members and their families.
In Washington state, car insurance rates go up by 33% after one speeding ticket. That's an average increase of $71 per month for a full coverage policy.
Best cheap insurance in WA after an accident: Mutual of Enumclaw
Mutual of Enumclaw has the most affordable quotes for Washington drivers after an accident. At $185 per month, full coverage auto insurance from Mutual of Enumclaw is $138 per month less than the Washington state average.
Cheap auto insurance in Washington after an accident
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $185 |
| State Farm | $200 |
| Travelers | $248 |
| Geico | $284 |
| Farmers | $346 |
*USAA is only available to current and former military members and their families.
Full coverage car insurance rates go up by an average of 47% after a single accident in Washington state.
Don't shop for a new policy right after your accident.
Your rates won't go up until your current policy renews. But any quotes you get now will include your accident, so they'll probably be more expensive than what you're currently paying.
Instead, wait until you get your renewal offer, a few weeks to a month before your current policy expires. Then, get quotes from multiple companies to find the best price for you.
Cheapest WA insurance for teens with a ticket or accident: Mutual of Enumclaw and State Farm
Mutual of Enumclaw has the cheapest car insurance for Washington teens with a speeding ticket. Minimum liability insurance from Mutual of Enumclaw costs around $207 per month for an 18-year-old driver with one speeding ticket. That's $92 per month cheaper than the Washington state average.
State Farm is the most affordable company for young drivers who have caused an accident. At $236 per month, minimum liability coverage from State Farm is $94 per month less than the statewide average.
Cheap car insurance in WA state for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Mutual of Enumclaw | $207 | $240 |
| State Farm | $215 | $236 |
| Travelers | $245 | $290 |
| Geico | $271 | $305 |
| Pemco | $278 | $291 |
*USAA is only available to current and former military members and their families.
A single speeding ticket raises rates for teenage drivers by 23% on average. After an accident, car insurance quotes go up by 37% for 18-year-old drivers in Washington.
Affordable Washington state car insurance after a DUI: Mutual of Enumclaw
Mutual of Enumclaw has the cheapest car insurance for drivers in Washington with a DUI. A full coverage policy from Mutual of Enumclaw costs $239 per month, which is $91 per month less than the average cost of DUI insurance in Washington state.
Cheapest car insurance quotes in Washington state after a DUI
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $239 |
| Travelers | $256 |
| Progressive | $266 |
| Geico | $269 |
| Allstate | $315 |
*USAA is only available to current and former military members and their families.
Washington drivers can expect their rates to go up by an average of 50% after a DUI.
Most drivers also need SR-22 insurance after a DUI in Washington.
Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That fee is in addition to any increase in your car insurance rates.
Cheapest car insurance in WA for drivers with poor credit: Geico
Geico has the cheapest car insurance in Washington state for drivers with a poor credit score. Full coverage from Geico costs around $212 per month, which is $100 per month less than the Washington average.
Best Washington state auto insurance quotes for poor credit
Company | Monthly rate |
|---|---|
| Geico | $212 |
| Mutual of Enumclaw | $238 |
| Farmers | $258 |
| Travelers | $284 |
| State Farm | $349 |
*USAA is only available to current and former military members and their families.
In Washington, drivers with poor credit pay 42% more for car insurance than those with a good credit score. That's because car insurance companies believe drivers with poor credit are more likely to file a claim in the future.
If you have a bad credit score but are generally a good driver, you may be able to save money with a usage-based insurance program. These programs use a cellphone app or plug-in device to track your driving habits, including speed, phone usage and the time of day you drive.
People who practice safe driving habits can earn a significant discount through usage-based programs. However, some companies — including Allstate, Geico and Progressive — may raise your rates if you get a bad driving score.
Best car insurance in Washington state
USAA has the best auto insurance in Washington state because it offers a great combination of reliable customer service and cheap quotes.
However, USAA is only available to current and former military members and their spouses and children, so most people can't buy a policy.
State Farm is the best choice if you can't get USAA. State Farm has good customer service and some of the lowest rates in Washington state.
Top auto insurance companies in Washington state
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA* | 735 | A++ | |
| State Farm | 650 | A++ | |
| Mutual of Enumclaw | NR | A- | |
| Farmers | 622 | A | |
| Pemco | 619 | B++ |
Average auto insurance cost in Washington state by city
Boulevard Park, a Seattle suburb, has the most expensive car insurance in Washington state.
Drivers living in Boulevard Park pay an average of $292 per month for a full coverage policy.
Lopez Island, part of the San Juan Islands, has the most affordable car insurance rates in Washington, at $176 per month.
Average Washington car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $192 | -12% |
| Acme | $196 | -11% |
| Addy | $200 | -9% |
| Adna | $205 | -6% |
| Ahtanum | $191 | -13% |
What insurance is required by law in Washington state?
Drivers in Washington state must have a minimum amount of liability insurance to drive legally, sometimes written as 25/50/10.
- Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
- Property damage (PD) liability: $10,000 per accident
The state of Washington requires all insurance companies to automatically include personal injury protection (PIP) coverage on every insurance policy, but you can reject it in writing. If you decide to keep it, you can choose $10,000 or $35,000 per accident.
What's the best car insurance to get in Washington?
Most drivers should choose full coverage auto insurance over minimum coverage.
That's because a full coverage policy protects your car with comprehensive and collision coverage.
- Collision coverage pays for damage to your car after a crash, whether it's with another car, a building or a stationary object like a pole.
- Comprehensive coverage pays for damage outside of your control, like damage from hail or a tree branch falling on your car.
Most lenders require you to have collision and comprehensive coverage if you have a car loan or lease. It's also a good idea if your car is less than 8 years old or worth more than $5,000.
In addition, you may want to choose higher liability limits than the state requirement to avoid a big bill after a serious accident.
For example, if you crash into a brand-new Tesla and total it, $10,000 of property damage liability insurance won't be enough to replace it. So if you have minimum coverage insurance, you'll have to pay the difference.
Alternatives to car insurance
An auto insurance policy is typically the easiest way to meet Washington's mandatory motor vehicle insurance law. However, there are two other ways to meet the requirements without buying a policy:
These options are not a good idea for most drivers because if you get into an accident, you could easily end up owing more for any damage you cause.
If you have a bad driving record and are having trouble finding car insurance coverage, you can get a policy through the Automobile Insurance Plan Service Office (AIPSO). AIPSO is an insurance company that offers coverage to people who can't find it elsewhere, also called an "insurer of last resort."
Before calling AIPSO, try working with a local independent insurance agent to find coverage. Independent agents work with multiple companies and may be able to find a smaller company that specializes in covering high-risk drivers.
Frequently asked questions
What's the average car insurance rate in Washington state?
Full coverage car insurance in Washington costs $219 per month, on average. A minimum liability policy costs an average of $78 per month.
How much is car insurance in Spokane, WA?
Full coverage car insurance in Spokane costs an average of $214 per month. That's 2% cheaper than the Washington state average. In comparison, full coverage in Seattle costs $272 per month.
Who has the cheapest car insurance in Washington state?
In 2026, Mutual of Enumclaw has the cheapest rates in Washington for most people. Full coverage from Mutual of Enumclaw costs around $137 per month — $82 per month cheaper than average.
Mutual of Enumclaw also has the cheapest liability-only coverage, at $53 per month.
Methodology
To find the cheapest auto insurance in Washington state, ValuePenguin collected thousands of rates from ZIP codes across WA for the state's largest insurance companies. Rates are for a 30-year-old man who owns a 2018 Honda Civic EX with good credit.
Quotes are for a full coverage policy with more liability coverage than the state minimum.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection (PIP): $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
