Washington Car Insurance Cost for 2025

What is the average cost of car insurance in Washington state? We break down rates by vehicle segment to find the cars with the cheapest quotes.

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What is average car insurance cost in Washington?

The average cost of car insurance in Washington state is $2,304 per year, which is around $192 per month, for full-coverage insurance. Average rates for full-coverage insurance are $167 per month.

Rates for some of the most popular vehicles in Washington include the Jeep Grand Cherokee at an average of $2,306 per year, the Honda CR-V at $1,966, the Mazda CX-5 at $1,880, the Toyota Highlander at $2,098, and the Nissan Sentra at $2,110 per year.

Insurance for some luxury models like the Acura TLX, the BMW 330i, and the Mercedes-Benz GLC300 costs an average of $2,386, $2,348, and $2,470 per year, respectively.

The chart below shows how rates can vary for different driver ages and policy deductibles. Rates are averaged for all Washington Zip Codes and all 2024 vehicle models.

Average full-coverage car insurance premium in Washington for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Washington for different ages of drivers. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Washington Zip Codes.

Average Car Insurance Cost in Washington
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,924$327
$500$4,638$387
$250$5,394$450
30$1,000$2,064$172
$500$2,462$205
$250$2,878$240
40$1,000$1,940$162
$500$2,304$192
$250$2,686$224
50$1,000$1,728$144
$500$2,044$170
$250$2,374$198
60$1,000$1,618$135
$500$1,914$160
$250$2,224$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Washington Zip Codes. Updated June 26, 2025

As illustrated in the above chart using our example driver ages, the average cost of car insurance in Washington ranges from $1,618 per year for a 60-year-old driver with a policy with high deductibles to $5,394 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost in the chart above ranges from $135 to $450 per month.

Average car insurance quotes for teenagers in Washington range from $5,490 per year for a 19-year-old female driver up to $8,213 per year for a 16-year-old male driver.

How do Washington car insurance rates compare?

When compared to the neighboring states of Oregon and Idaho, average Washington car insurance rates are 2.4% less than Oregon and 15.4% more than Idaho.

When compared to other non-adjacent states in the West region, average car insurance rates in Washington run pretty much down the middle. Here’s an example that demonstrates the annual cost different between Washington and some other states.

The average cost to insure a 2024 Subaru Outback in Washington is $1,964 per year. When compared to other states, this rates is:

  • $252 per year cheaper than insuring the same vehicle in Colorado ($2,216)
  • $40 per year more expensive than in Utah ($1,924)
  • $434 per year cheaper than in Nevada ($2,398)
  • $456 per year cheaper than in California ($2,420)
  • $22 per year cheaper than in Montana ($1,986)

The chart below shows how average auto insurance quotes in Washington compares to other West region U.S. states. Washington ranks sixth out of the 11 states in the West region for cheapest car insurance rates, and for all 50 U.S. states Washington ranks 23rd.

Average cost of car insurance in Washington compared to other West region states.
Figure 2: Average cost of car insurance in Washington compared to other West region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in Washington Compared to West Region
West Region States Average Annual Premium Cost Difference
Hawaii$1,922-$382
Idaho$1,974-$330
Alaska$2,052-$252
Utah$2,262-$42
Wyoming$2,280-$24
Washington$2,304--
Montana$2,330$26
Oregon$2,360$56
Colorado$2,602$298
Nevada$2,820$516
California$2,842$538

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Washington Zip Codes. Updated June 26, 2025

When compared to states in other parts of the country, the average cost of auto insurance in Washington is 17.8% cheaper than Florida, 23.4% more expensive than North Carolina, 17.7% cheaper than New York, 2% cheaper than Texas, and 5% more expensive than South Carolina.

Cheapest Washington car insurance by vehicle segment

The chart below shows average car insurance rates in Washington for all the different vehicle segments. Rates range from an average of $2,118 per year for compact SUVs like the Honda CR-V and Subaru Forester up to the highest rates for luxury cars and exotic sports cars of well over $3,100 per year.

Car insurance average cost by automotive segment in Washington.
Figure 3: Car insurance average cost by automotive segment in Washington. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Washington Zip Codes.

Car Insurance Rates by Automotive Segment in Washington
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,118$177
Midsize SUV$2,278$190
Compact Car$2,278$190
Minivan$2,280$190
Midsize Pickup$2,328$194
Midsize Car$2,352$196
Compact Luxury SUV$2,500$208
Compact Luxury Car$2,538$212
Large SUV$2,544$212
Half-ton Pickup$2,556$213
Heavy Duty Pickup$2,652$221
Midsize Luxury SUV$2,738$228
Midsize Luxury Car$2,828$236
Sports Car$3,170$264
Large Car$3,316$276
Large Luxury SUV$3,570$298
Large Luxury Car$3,686$307

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Washington Zip Codes. Updated June 26, 2025

The next sections take each of the segments in the chart above and break out the models with the cheapest car insurance rates in each. Segments are grouped together for all sizes, so, for example, the next cheapest car insurance section groups compact, midsize, and full-size cars into one table.

Cheapest car insurance rates in Washington

The cheapest insurance in Washington for two and four-door sedans and hatchbacks is on the Toyota GR Corolla at $2,004 per year, the Nissan Leaf at $2,020, and the Honda Civic at $2,040 per year.

The table below ranks the top 20 cheapest cars to insure in Washington. Vehicle size is noted, as models can be compact, midsize, or full-size.

Top 20 Cheapest Cars to Insure in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,004$167
Nissan LeafCompact$2,020$168
Honda CivicCompact$2,040$170
Nissan SentraCompact$2,110$176
Subaru ImprezaCompact$2,120$177
Toyota PriusCompact$2,156$180
Kia K5Midsize$2,222$185
Honda AccordMidsize$2,228$186
Chevrolet MalibuMidsize$2,236$186
Toyota CorollaCompact$2,246$187
Kia ForteCompact$2,250$188
Volkswagen ArteonMidsize$2,266$189
Nissan VersaCompact$2,272$189
Subaru LegacyMidsize$2,276$190
Hyundai Ioniq 6Midsize$2,294$191
Mitsubishi Mirage G4Compact$2,326$194
Volkswagen JettaCompact$2,332$194
Toyota CrownMidsize$2,334$195
Hyundai SonataMidsize$2,336$195
Mazda 3Compact$2,386$199

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Washington, with the Toyota GR Corolla ranking first at $2,004 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Washington, with the Toyota GR Corolla ranking first at $2,004 per year.

Cheapest SUV insurance rates in Washington

The cheapest SUVs to insure in the state of Washington are the Subaru Crosstrek at $1,704 per year, the Chevrolet Trailblazer at $1,734, and the Kia Soul at $2,040 per year.

From a monthly standpoint, average full-coverage insurance for a new SUV in Washington will start around $142 per month, depending on the company, and will top out at nearly $2,836 per year, or about $236 per month, for models like the Dodge Durango or Rivian R1S which have some of the higher rates for non-luxury SUVs.

Top 20 Cheapest SUV Insurance Rates in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,704$142
Chevrolet TrailblazerCompact$1,734$145
Kia SoulCompact$1,802$150
Nissan KicksCompact$1,814$151
Honda PassportMidsize$1,836$153
Buick EnvisionCompact$1,846$154
Toyota Corolla CrossCompact$1,858$155
Hyundai VenueCompact$1,874$156
Mazda CX-5Compact$1,880$157
Ford Bronco SportCompact$1,888$157
Volkswagen TiguanCompact$1,908$159
Nissan MuranoMidsize$1,938$162
Buick EncoreCompact$1,958$163
Subaru OutbackMidsize$1,964$164
Honda CR-VCompact$1,966$164
Buick EnvistaMidsize$1,972$164
Volkswagen TaosCompact$1,976$165
Kia NiroCompact$1,986$166
Subaru AscentMidsize$2,006$167
Honda HR-VCompact$2,008$167

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Washington, with the Subaru Crosstrek ranking first at $1,704 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Washington, with the Subaru Crosstrek ranking first at $1,704 per year.

Cheapest pickup truck insurance in Washington

The table below details average pickup insurance cost in Washington for models like the Ford F-150, Chevrolet Silverado, and Ram 1500.  Midsize trucks obviously have cheaper overall insurance quotes than full-size models, with midsize models taking the top spots.

Top 20 Cheapest Pickup Truck Insurance Rates in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,030$169
Nissan TitanFull-size$2,156$180
Nissan FrontierMidsize$2,180$182
Ford RangerMidsize$2,202$184
Ford MaverickMidsize$2,238$187
Honda RidgelineMidsize$2,288$191
Hyundai Santa CruzMidsize$2,328$194
Toyota TacomaMidsize$2,334$195
GMC Sierra 2500 HDHeavy Duty$2,346$196
GMC CanyonMidsize$2,372$198
Jeep GladiatorMidsize$2,428$202
GMC Sierra 3500Heavy Duty$2,442$204
Chevrolet Silverado HD 3500Heavy Duty$2,464$205
Chevrolet Silverado HD 2500Heavy Duty$2,532$211
GMC SierraFull-size$2,546$212
Chevrolet SilveradoFull-size$2,550$213
Nissan Titan XDHeavy Duty$2,550$213
Ford F150Full-size$2,578$215
GMC Hummer EV PickupFull-size$2,644$220
Ram TruckFull-size$2,666$222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Washington, with the Chevrolet Colorado ranking first at $2,030 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Washington, with the Chevrolet Colorado ranking first at $2,030 per year.

Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.

Cheapest luxury car insurance in Washington

The cheapest luxury car insurance in Washington is on the Acura Integra at $2,052 per year, or about $171 per month. Other models that rank well for 2024 are the BMW 330i and Mercedes-Benz CLA250.

The table below shows the 20 luxury cars with the overall cheapest average insurance rates in Washington state.

Top 20 Cheapest Luxury Cars to Insure in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,052$171
BMW 330iCompact$2,348$196
Mercedes-Benz CLA250Midsize$2,374$198
Lexus IS 300Midsize$2,376$198
Acura TLXCompact$2,386$199
Lexus ES 350Midsize$2,408$201
Cadillac CT4Compact$2,410$201
Genesis G70Compact$2,414$201
Mercedes-Benz AMG CLA35Midsize$2,418$202
Lexus RC 300Midsize$2,424$202
Lexus IS 350Compact$2,434$203
Jaguar XFMidsize$2,440$203
Cadillac CT5Midsize$2,486$207
Lexus ES 250Midsize$2,494$208
Lexus RC 350Compact$2,502$209
BMW 330eCompact$2,504$209
BMW 228iCompact$2,508$209
BMW 230iCompact$2,528$211
Lexus ES 300hMidsize$2,532$211
Audi S3Compact$2,586$216

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Washington, with the Acura Integra ranking first at $2,052 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Washington, with the Acura Integra ranking first at $2,052 per year.

Complete rankings for all compact, midsize, and large luxury cars can be found on our luxury car insurance comparisons page.

Cheapest luxury SUV insurance in Washington

The cheapest luxury SUV insurance in Washington is on the Acura RDX at $1,926 per year, with the Lexus NX 250 and Cadillac XT4 coming in at second and third place.

Top 20 Cheapest Luxury SUVs to Insure in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,926$161
Lexus NX 250Compact$2,042$170
Cadillac XT4Compact$2,084$174
Jaguar E-PaceMidsize$2,156$180
Lexus NX 350hCompact$2,176$181
Cadillac XT5Midsize$2,178$182
Lincoln CorsairCompact$2,204$184
Mercedes-Benz GLB 250Compact$2,208$184
Lexus UX 250hCompact$2,212$184
Lexus NX 450hCompact$2,222$185
Infiniti QX50Midsize$2,240$187
Mercedes-Benz GLA250Compact$2,250$188
Cadillac XT6Midsize$2,256$188
Mercedes-Benz GLA35 AMGCompact$2,258$188
Infiniti QX60Midsize$2,268$189
Mercedes-Benz AMG GLB35Midsize$2,272$189
Land Rover EvoqueCompact$2,302$192
Acura MDXMidsize$2,304$192
Lexus NX 350Compact$2,314$193
Lexus RX 350Midsize$2,314$193

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Washington, with the Acura RDX ranking first at $1,926 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Washington, with the Acura RDX ranking first at $1,926 per year.

Minivan and utility van insurance rates

The cheapest minivan insurance in Washington is for the Honda Odyssey at $2,108 per year, or $176 per month.

The second cheapest minivan to insure in the state of Washington is the Chrysler Pacifica at $2,276 per year, and the third cheapest is the Toyota Sienna at $2,362 per year.

Full-size and Minivan Insurance Rates in Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ExpressFull-size Van$1,976$165
Honda OdysseyMinivan$2,108$176
GMC SavanaFull-size Van$2,162$180
Ford TransitFull-size Van$2,166$181
Ram PromasterFull-size Van$2,222$185
Chrysler PacificaMinivan$2,276$190
Toyota SiennaMinivan$2,362$197
Kia CarnivalMinivan$2,384$199

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize and large vans and minivans to insure in Washington, with the Chevrolet Express ranking first at $1,976 per year.
Ranking of the cheapest midsize and large vans and minivans to insure in Washington, with the Chevrolet Express ranking first at $1,976 per year.

See our minivan car insurance rates page for additional data and additional models.

Sports car and exotic car insurance rates

The Mazda MX-5 Miata is the cheapest sports car to insure in Washington at $2,136 per year. The second place ranking goes to the Toyota GR86 at an average cost of $2,430 per year, with the Ford Mustang coming in third at $2,534.

Top 20 Sports Car and Exotic Car Insurance Rates in Washington
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,136$178
Toyota GR86Sports Car$2,430$203
Ford MustangSports Car$2,534$211
BMW Z4Sports Car$2,548$212
Subaru WRXSports Car$2,584$215
Toyota GR SupraSports Car$2,590$216
BMW M2Sports Car$2,666$222
Nissan ZSports Car$2,670$223
Lexus RC FSports Car$2,726$227
Subaru BRZSports Car$2,756$230
BMW M3Sports Car$2,912$243
Porsche 718Sports Car$2,968$247
Chevrolet CamaroSports Car$2,996$250
Chevrolet CorvetteSports Car$3,196$266
Aston Martin VantageExotic Car$3,226$269
Porsche 911Sports Car$3,304$275
BMW M4Sports Car$3,442$287
Lexus LC 500Sports Car$3,458$288
Jaguar F-TypeSports Car$3,636$303
Mercedes-Benz AMG GT53Sports Car$3,816$318

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Washington Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports and exotic cars to insure in Washington, with the Mazda MX-5 Miata ranking first at $2,136 per year.
Ranking of the cheapest sports and exotic cars to insure in Washington, with the Mazda MX-5 Miata ranking first at $2,136 per year.

Average rates by city in Washington

Average annual and monthly car insurance rates are listed below for some of the larger cities in Washington state. Click any city to view rate information including overall averages, comparisons, and the vehicles with the cheapest car insurance quotes.