Washington Car Insurance Cost for 2021

• Washington car insurance rates average $1,196 per year, or around $100 per month, which is 21.5% less than the national average rate of $1,523.
• When compared to other Western states, Washington ranks third out of 11 states for car insurance affordability.
• The cheapest vehicles to insure include the Subaru Forester compact SUV, the Volkswagen Golf compact car, and the Ford Edge midsize SUV.

What is average car insurance cost in Washington?

The average cost of car insurance in Washington state is $1,196 per year, which is around $100 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 $1,304 per year, the Honda CR-V at $900, the Mazda CX-5 at $964, the Toyota Highlander at $1,192, and the Nissan Sentra at $1,180 per year.

Insurance for some luxury models like the Acura TLX, the BMW 330i, and the Mercedes-Benz GLC300 costs an average of $1,266, $1,308, and $1,198 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 2021 vehicle models.

As illustrated in the above chart using our example driver ages, the average cost of car insurance in Washington ranges from $902 per year for a 60-year-old driver with a policy with high deductibles to $2,752 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 $75 to $229 per month.

Average car insurance quotes for teenagers in Washington range from $3,004 per year for a 19-year-old female driver up to $4,280 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 10.9% less than Oregon and 17.7% 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 2021 Subaru Outback in Washington is $1,010 per year. When compared to other states, this rates is:

• $366 per year cheaper than insuring the same vehicle in Colorado ($1,376)
• $44 per year cheaper than in Utah ($1,054)
• $432 per year cheaper than in Nevada ($1,442)
• $416 per year cheaper than in California ($1,426)
• $170 per year cheaper than in Montana ($1,180)

The chart below shows how average auto insurance quotes in Washington compares to other West region U.S. states. Washington ranks third out of the 11 states in the West region for cheapest car insurance rates, and for all 50 U.S. states Washington ranks #13.

When compared to states in other parts of the country, the average cost of auto insurance in Washington is 41.5% cheaper than Florida, 15.9% more expensive than North Carolina, 28.9% cheaper than New York, 18.8% cheaper than Texas, and 14.9% 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 $1,200 per year for compact SUVs like the Honda CR-V and Subaru Forester up to the highest rates for luxury cars averaging from $1,390 to $1,842 per year, and sports cars and exotic cars averaging from $1,742 to $2,454.

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 Volkswagen Golf at $952 per year, the Chevy Spark at $984, and the Subaru Impreza at $1,004 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 Subaru Forester at $886 per year, the Honda CR-V at $900 per year, and the Honda Mazda CX-3 at $938 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 $1,550 per year, or about $129 per month, for the Tesla Model Y which is the most expensive non-luxury SUV 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 five 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 $1,114 per year, or about $93 per month. When compared to the most expensive luxury car to insure, the Tesla Model S, the Acura ILX costs $976 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 Volvo XC40 at $986 per year, with the Acura RDX and Cadillac XT4 coming in at second and third place.

Minivan and utility van insurance rates

The cheapest minivan insurance in Washington is for the Kia Sedona at $1,012 per year, or $84 per month.

The Ram Promaster City is the cheapest utility van to insure in Washington at an average annual cost of $932.

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

Sports car and exotic car insurance rates

The Mazda Miata is the cheapest sports car to insure in Washington at $1,094 per year. The second place ranking goes to the Ford Mustang at an average cost of $1,336 per year, with the Audi TT coming in third at $1,348.

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 - $1,570 per year or $131 per month
• Spokane Car Insurance - $1,246 per year or $104 per month
• Tacoma Car Insurance - $1,596 per year or $133 per month
• Vancouver Car Insurance - $1,338 per year or $112 per month
• Bellevue Car Insurance - $1,404 per year or $117 per month