Best Cheap Car Insurance Quotes in Washington (2026)
Mutual of Enumclaw has the cheapest car insurance in Washington, at $137/mo for full coverage.
Find Cheap Car Insurance Quotes in Washington
Best cheap car insurance in Washington
Mutual of Enumclaw, State Farm and Geico are the cheapest options for most people in WA.
- Want full coverage? Mutual of Enumclaw: $137/mo
- Only need minimum liability coverage? Mutual of Enumclaw: $53/mo
- Want the best customer service? State Farm, $169/mo
- Have a speeding ticket? Mutual of Enumclaw: $167/mo
- Caused an accident? Mutual of Enumclaw: $185/mo
- Need coverage for a young driver? Mutual of Enumclaw: $160/mo
- Got a DUI? Mutual of Enumclaw: $239/mo
- Have 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.
Cheapest Washington car insurance rates: Mutual of Enumclaw
Mutual of Enumclaw, State Farm and USAA have the most affordable full coverage 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 and cheapest 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.
Find Cheap Car Insurance Quotes in Washington
Best cheap full coverage car insurance in Washington state
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $137 |
| State Farm | $169 |
| Geico | $172 |
| Travelers | $178 |
| USAA | $133 |
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.
USAA has even cheaper rates for Washington drivers with military ties, at just $39 per month for a minimum liability policy.
Cheap minimum car insurance in Washington state
Company | Monthly rate |
|---|---|
| Mutual of Enumclaw | $53 |
| State Farm | $62 |
| Geico | $64 |
| Travelers | $68 |
| Progressive | $69 |
| USAA | $39 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Washington
Cheapest auto insurance in Washington state by city
Mutual of Enumclaw has the cheapest full coverage quotes in most Washington cities and towns, including Seattle, Spokane and Tacoma.
Geico has the most affordable rates in about 15 small Puget Sound communities and towns, such as Silverdale and Bainbridge Island.
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 | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Seattle | $272 | Mutual of Enumclaw | $171 |
| Spokane | $214 | Mutual of Enumclaw | $120 |
| Tacoma | $274 | Mutual of Enumclaw | $171 |
| Vancouver | $233 | Mutual of Enumclaw | $151 |
| Bellevue | $253 | Mutual of Enumclaw | $156 |
| Kent | $272 | Mutual of Enumclaw | $161 |
| Everett | $254 | Mutual of Enumclaw | $153 |
| Spokane Valley | $201 | Mutual of Enumclaw | $117 |
| Renton | $270 | Mutual of Enumclaw | $163 |
| Federal Way | $273 | Mutual of Enumclaw | $168 |
| Yakima | $194 | Mutual of Enumclaw | $123 |
| Bellingham | $189 | Mutual of Enumclaw | $133 |
| Kirkland | $245 | Mutual of Enumclaw | $159 |
| Kennewick | $189 | Mutual of Enumclaw | $124 |
| Auburn | $262 | Mutual of Enumclaw | $163 |
| Redmond | $244 | Mutual of Enumclaw | $149 |
| Pasco | $188 | Mutual of Enumclaw | $120 |
| Marysville | $233 | Mutual of Enumclaw | $133 |
| Sammamish | $239 | Mutual of Enumclaw | $136 |
| Richland | $183 | Mutual of Enumclaw | $125 |
| Lakewood | $269 | Mutual of Enumclaw | $165 |
| Shoreline | $270 | Mutual of Enumclaw | $176 |
| Lacey | $217 | Mutual of Enumclaw | $126 |
| Olympia | $210 | Mutual of Enumclaw | $125 |
| Burien | $272 | Mutual of Enumclaw | $170 |
| Bothell | $246 | Mutual of Enumclaw | $152 |
| Bremerton | $206 | Mutual of Enumclaw | $129 |
| Lynnwood | $263 | Mutual of Enumclaw | $158 |
| Edmonds | $258 | Mutual of Enumclaw | $156 |
| Puyallup | $253 | Mutual of Enumclaw | $169 |
| Lake Stevens | $236 | Mutual of Enumclaw | $143 |
| Issaquah | $242 | Mutual of Enumclaw | $138 |
| Longview | $197 | Mutual of Enumclaw | $120 |
| Wenatchee | $187 | Mutual of Enumclaw | $120 |
| Mount Vernon | $188 | Mutual of Enumclaw | $125 |
| University Place | $263 | Mutual of Enumclaw | $171 |
| Walla Walla | $186 | Mutual of Enumclaw | $120 |
| Pullman | $196 | Mutual of Enumclaw | $120 |
| Des Moines | $264 | Mutual of Enumclaw | $165 |
| SEATAC | $276 | Mutual of Enumclaw | $169 |
| Maple Valley | $247 | Mutual of Enumclaw | $147 |
| Camas | $219 | Mutual of Enumclaw | $155 |
| Tumwater | $206 | Mutual of Enumclaw | $125 |
| Moses Lake | $176 | Mutual of Enumclaw | $125 |
| Mercer Island | $254 | Mutual of Enumclaw | $176 |
| Bainbridge Island | $203 | Geico | $129 |
| Oak Harbor | $187 | Mutual of Enumclaw | $123 |
| Kenmore | $259 | Mutual of Enumclaw | $176 |
| Bonney Lake | $244 | Mutual of Enumclaw | $155 |
| Battle Ground | $223 | Mutual of Enumclaw | $155 |
| Mountlake Terrace | $263 | Mutual of Enumclaw | $163 |
| Arlington | $218 | Mutual of Enumclaw | $133 |
Find Cheap Car Insurance Quotes in Washington
Best car insurance for most people in Washington state: State Farm
-
Full coverage rate$169/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
-
Claims process8.5/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
-
AM Best ratingA+An A+ financial strength rating.
Pros & cons
Pros:
- Reliable customer service
- Low rates
- Lots of discounts
Cons:
- Limited coverage add-ons
Why is State Farm the best?
State Farm is the best option in Washington if you're OK with paying extra for reliable customer service.
State Farm's great customer service reviews mean it will likely help you get back on the road quickly after a crash.
- State Farm earned the second-highest rating on J.D. Power's customer satisfaction survey, compared to 11 other northwestern companies.
- State Farm also scored ninth out of the 21 largest car insurance companies on J.D. Power's claims satisfaction survey.
- State Farm gets 41% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
State Farm has some of the most affordable car insurance in Washington. Full coverage from State Farm costs around $169 per month, which is a savings of 23% compared to the state average. But it's $32 per month more than the cheapest company, Mutual of Enumclaw.
However, State Farm could have the cheapest rates for you if you can get lots of its discounts.
For instance, some drivers save as much as 30% for practicing safe driving habits with State Farm's Drive Safe & Save program. The program tracks your driving habits using a mobile app. People who practice safe driving habits, like staying under the speed limit, earn higher discounts.
Other top auto insurance companies in WA
USAA has the overall best customer service in Washington state. But only military members, veterans and some of their family members can buy insurance from USAA.
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++ | |
| Travelers | 613 | A++ |
How did we pick the best company?
The author, Lindsay Bishop, chose the best car insurance companies in Washington based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Washington
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
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 |
| USAA | $157 |
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 |
| USAA | $183 |
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 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 |
| USAA | $144 | $427 |
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.
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 | $198 | $249 |
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 |
| USAA | $245 |
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 |
| USAA | $203 |
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.
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.
Insurance companies in Washington must offer personal injury protection (PIP) coverage to all drivers. The minimum PIP policy includes the following benefits:
- $10,000 for medical expenses: This amount is available for every person injured in a car accident and covers all related medical expenses incurred within three years of the accident.
- $2,000 for funeral and burial services: If a person is killed in an auto accident, this coverage will help with burial costs.
- $200 per week, up to $10,000 total, for lost income: In order to qualify for income replacement coverage, you'll need to have missed at least 14 consecutive days of work due to your injuries from the accident. This benefit extends for up to one year.
- $200 per week, up to $5,000 total, for service replacement: This coverage pays for assistance if you're unable to perform certain duties, such as household upkeep or child care, due to your injuries.
If you fail to present valid proof of insurance when requested by law enforcement, regardless of whether it’s during a traffic stop or after an accident, police officers may assume that you are driving uninsured. Law enforcement can issue you a ticket for a traffic infraction, which could result in penalties: community restitution, such as community service, state fines, and more. You’ll face a minimum fine of $550 if you do not have car insurance at the time.
If you knowingly provide false insurance information and are found to be without coverage, you're guilty of a misdemeanor.
If you fail to pay the $550 fine in full or do not make arrangements for a payment plan to break up the total amount (this is up to the court), you're at risk for having your driver's license taken and driving privileges suspended.
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.
About the Author
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.
