Washington Car Insurance Cost for 2022

• Washington car insurance rates average $1,158 per year, or around $97 per month, which is 26.1% less than the national average rate of $1,567.
• When compared to other Western states, Washington ranks second out of 11 states for car insurance affordability.
• The cheapest vehicles to insure include the Mazda CX-5 compact SUV, the Subaru Impreza compact car, and the Honda Passport midsize SUV.

What is average car insurance cost in Washington?

The average cost of car insurance in Washington state is $1,158 per year, which is around $97 per month, for full-coverage insurance. Average rates start at around $74 per month.

Rates for some of the most popular vehicles in Washington include the Jeep Grand Cherokee at an average of $1,276 per year, the Honda CR-V at $1,012, the Mazda CX-5 at $882, the Toyota Highlander at $1,164, and the Nissan Sentra at $1,126 per year.

Insurance for some luxury models like the Acura TLX, the BMW 330i, and the Mercedes-Benz GLC300 costs an average of $1,228, $1,222, and $1,228 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 2022 vehicle models.

As illustrated in the above chart using our example driver ages, the average cost of car insurance in Washington ranges from $878 per year for a 60-year-old driver with a policy with high deductibles to $2,660 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 $73 to $222 per month.

Average car insurance quotes for teenagers in Washington range from $2,904 per year for a 19-year-old female driver up to $4,140 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 9.2% less than Oregon and 3.7% more than Idaho.

When compared to other non-adjacent states in the West region, average car insurance rates in Washington are cheaper than every state except Alaska. Here’s an example that demonstrates the annual cost different between Washington and some other states.

The average cost to insure a 2022 Subaru Outback in Washington is $1,060 per year. When compared to other states, this rates is:

• $432 per year cheaper than insuring the same vehicle in Colorado ($1,492)
• $94 per year cheaper than in Utah ($1,154)
• $472 per year cheaper than in Nevada ($1,532)
• $540 per year cheaper than in California ($1,600)
• $302 per year cheaper than in Montana ($1,362)

The chart below shows how average auto insurance quotes in Washington compares to other West region U.S. states. Washington ranks 2nd out of the 11 states in the West region for cheapest car insurance rates, and for all 50 U.S. states Washington ranks #11.

When compared to states in other parts of the country, the average cost of auto insurance in Washington is 48% cheaper than Florida, 19.9% more expensive than North Carolina, 28.5% cheaper than New York, 19.4% cheaper than Texas, and 17.5% cheaper 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 under $1,100 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 $1,800 per year.

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 Subaru Impreza at $1,004 per year, the Chevrolet Spark at $1,006, and the Volkswagen Golf at $1,112 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.

Cheapest SUV insurance rates in Washington

The cheapest SUVs to insure in Washington are the Mazda CX-5 at $882 per year, the Nissan Kicks at $900, and the Chevrolet Trailblazer at $1,112 per year.

From a monthly standpoint, average SUV insurance in Washington will start around $74 per month, depending on the company, and will top out at around $1,370 per year, or about $114 per month, for the Tesla Model Y which is one of the more expensive non-luxury SUVs to insure.

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.

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 ILX at $1,064 per year, or about $89 per month. When compared to a more expensive luxury car to insure, the Tesla Model S, the Acura ILX costs $780 less per year to insure.

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

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 $990 per year, with the Cadillac XT4 and Volvo XC40 coming in at second and third place.

Minivan and utility van insurance rates

The cheapest minivan insurance in Washington is for the Honda Odyssey at $1,080 per year, or $90 per month.

The second cheapest minivan to insure in the state of Washington is the Chrysler Pacifica at $1,160 per year, and the third cheapest is the Kia Carnival at $1,210 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 $1,002 per year. The second place ranking goes to the Ford Mustang at an average cost of $1,220 per year, with the BMW Z4 coming in third at $1,246.

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.

• Seattle Car Insurance - $1,614 per year or $135 per month
• Spokane Car Insurance - $1,288 per year or $107 per month
• Tacoma Car Insurance - $1,638 per year or $137 per month
• Vancouver Car Insurance - $1,382 per year or $115 per month
• Bellevue Car Insurance - $1,450 per year or $121 per month
• Everett Car Insurance - $1,534 per year or $128 per month
• Kent Car Insurance - $1,624 per year or $135 per month