Washington Car Insurance Cost for 2021

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 $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.

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Chart Data Details: Chart shows average Washington car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Washington zip codes.
Average Car Insurance Cost in Washington
Average Car Insurance Cost in Washington
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,012$168
$500$2,374$198
$250$2,752$229
30$1,000$1,056$88
$500$1,256$105
$250$1,468$122
40$1,000$1,010$84
$500$1,196$100
$250$1,388$116
50$1,000$920$77
$500$1,088$91
$250$1,262$105
60$1,000$902$75
$500$1,068$89
$250$1,238$103

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.

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Washington Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Washington Compared to West Region
West Region States Average Insurance Cost Annual Difference
Idaho$1,016-$180
Alaska$1,192-$4
Washington$1,196--
Hawaii$1,204$8
Utah$1,240$44
Oregon$1,342$146
Wyoming$1,350$154
Montana$1,392$196
Colorado$1,620$424
California$1,676$480
Nevada$1,698$502

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.

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Chart Data Details: Average Washington car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Washington Zip Codes.
Washington Car Insurance Rates by Vehicle Segment
Washington Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,078$90
Midsize Truck$1,086$91
Large Van$1,090$91
Midsize Minivan$1,110$93
Midsize SUV$1,162$97
Midsize Van$1,174$98
Small Car$1,198$100
Large Truck$1,210$101
Midsize Car$1,224$102
Large SUV$1,236$103
Small Luxury SUV$1,252$104
Large Car$1,298$108
Heavy Duty Truck$1,344$112
Midsize Luxury SUV$1,346$112
Small Luxury Car$1,390$116
Midsize Luxury Car$1,580$132
Large Luxury SUV$1,610$134
Sports Car$1,742$145
Large Luxury Car$1,842$154
Exotic Car$2,454$205

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.

Top 20 Cheapest Cars to Insure in Washington
Make/Model Vehicle Size Annual Cost Monthly Cost
Volkswagen GolfCompact$952$79
Chevrolet SparkCompact$984$82
Subaru ImprezaCompact$1,004$84
Kia Rio5Compact$1,016$85
Toyota CorollaCompact$1,036$86
Mazda 6Midsize$1,106$92
Honda InsightMidsize$1,114$93
Honda CivicCompact$1,120$93
Subaru LegacyMidsize$1,120$93
Kia RioCompact$1,136$95
Mazda 3Compact$1,140$95
Honda AccordMidsize$1,152$96
Volkswagen PassatMidsize$1,160$97
Kia ForteCompact$1,166$97
Chevrolet MalibuMidsize$1,168$97
Nissan SentraCompact$1,180$98
Toyota PriusCompact$1,186$99
Volkswagen GTICompact$1,186$99
Toyota CamryMidsize$1,192$99
Hyundai AccentCompact$1,196$100

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
    Top 20 Cheapest Cars to Insure in Washington

    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.

    Top 20 Cheapest SUV Insurance Rates in Washington
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ForesterCompact$886$74
    Honda CR-VCompact$900$75
    Mazda CX-3Compact$938$78
    Kia SportageCompact$944$79
    Toyota C-HRCompact$944$79
    Ford EdgeMidsize$948$79
    Mazda CX-5Compact$964$80
    Subaru CrosstrekCompact$974$81
    Hyundai VenueCompact$992$83
    Volkswagen AtlasMidsize$1,000$83
    Hyundai KonaCompact$1,002$84
    Kia SoulCompact$1,004$84
    Kia TellurideMidsize$1,006$84
    Chevrolet BlazerMidsize$1,010$84
    Subaru OutbackMidsize$1,010$84
    Jeep CompassCompact$1,014$85
    Mazda CX-30Compact$1,014$85
    Honda PassportMidsize$1,016$85
    Nissan KicksCompact$1,016$85
    Ford EscapeCompact$1,018$85

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
      Top 20 Cheapest SUV Insurance Rates in Washington

      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.

      Top 20 Cheapest Pickup Truck Insurance Rates in Washington
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Toyota TacomaMidsize$1,006$84
      Chevrolet ColoradoMidsize$1,014$85
      Nissan FrontierMidsize$1,030$86
      Ford RangerMidsize$1,108$92
      Jeep GladiatorMidsize$1,114$93
      Ford F150Full-size$1,138$95
      Honda RidgelineMidsize$1,148$96
      GMC SierraFull-size$1,168$97
      GMC CanyonMidsize$1,176$98
      Toyota TundraFull-size$1,186$99
      Nissan TitanFull-size$1,216$101
      Chevrolet SilveradoFull-size$1,242$104
      Ford F350 Super DutyHeavy Duty$1,286$107
      Chevrolet Silverado HD 3500Heavy Duty$1,294$108
      Ford F250 Super DutyHeavy Duty$1,298$108
      Ram TruckFull-size$1,298$108
      Ford F450 Super DutyHeavy Duty$1,338$112
      Ram Truck 3500Heavy Duty$1,362$114
      Ram Truck 2500Heavy Duty$1,364$114
      GMC Sierra 3500Heavy Duty$1,374$115

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
        Top 20 Cheapest Pickup Truck Insurance Rates in Washington

        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.

        Top 20 Cheapest Luxury Cars to Insure in Washington
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,114$93
        Mercedes-Benz A220Compact$1,168$97
        Volvo S60Compact$1,236$103
        Lexus ES 350Midsize$1,256$105
        Acura TLXCompact$1,266$106
        Cadillac CT4Compact$1,274$106
        BMW i3Compact$1,296$108
        Genesis G70Compact$1,302$109
        Volvo S90Full-size$1,302$109
        BMW 330iCompact$1,308$109
        Lexus RC 300Midsize$1,312$109
        Audi S3Compact$1,314$110
        BMW Z4Compact$1,322$110
        Audi A3Midsize$1,326$111
        Alfa Romeo GiuliaCompact$1,332$111
        Audi A5Full-size$1,332$111
        Mercedes-Benz AMG CLA45Midsize$1,332$111
        BMW 230iCompact$1,336$111
        Lexus RC 350Compact$1,366$114
        Cadillac CT5Midsize$1,372$114

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
          Top 20 Cheapest Luxury Cars to Insure in Washington

          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.

          Top 20 Cheapest Luxury SUVs to Insure in Washington
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Volvo XC40Compact$986$82
          Acura RDXCompact$1,030$86
          Cadillac XT4Compact$1,064$89
          Volvo V60Midsize$1,126$94
          Acura MDXMidsize$1,128$94
          Cadillac XT5Midsize$1,128$94
          Lexus NX 300Compact$1,140$95
          Volvo XC60Compact$1,140$95
          Volvo XC90Full-size$1,144$95
          Lincoln NautilusMidsize$1,150$96
          Lexus UX 250HCompact$1,180$98
          Lincoln CorsairCompact$1,196$100
          Mercedes-Benz GLC300Compact$1,198$100
          Lexus RX 350Midsize$1,208$101
          Lexus UX 200Compact$1,210$101
          Mercedes-Benz GLB 250Compact$1,210$101
          Infiniti QX50Midsize$1,212$101
          BMW X1Compact$1,236$103
          BMW X2Compact$1,238$103
          Land Rover DefenderCompact$1,238$103

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
            Top 20 Cheapest Luxury SUVs to Insure in Washington

            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.

            Full-size and Minivan Insurance Rates in Washington
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$932$78
            Kia SedonaMinivan$1,012$84
            Chevrolet ExpressFull-size Van$1,072$89
            Nissan NVFull-size Van$1,078$90
            Ford Transit ConnectMidsize Van$1,088$91
            Chrysler PacificaMinivan$1,090$91
            GMC SavanaFull-size Van$1,098$92
            Ram PromasterFull-size Van$1,142$95
            Toyota SiennaMinivan$1,160$97
            Honda OdysseyMinivan$1,174$98
            Mercedes-Benz MetrisFull-size Van$1,210$101
            Nissan NV200Midsize Van$1,258$105

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
              Full-size and Minivan Insurance Rates in Washington

              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.

              Top 20 Sports Car and Exotic Car Insurance Rates in Washington
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,094$91
              Ford MustangSports Car$1,336$111
              Audi TTSports Car$1,348$112
              Subaru WRXSports Car$1,418$118
              Toyota SupraSports Car$1,428$119
              Porsche 718Sports Car$1,480$123
              Nissan 370ZSports Car$1,492$124
              Chevrolet CorvetteSports Car$1,534$128
              Subaru BRZSports Car$1,568$131
              Chevrolet CamaroSports Car$1,578$132
              Dodge ChallengerSports Car$1,638$137
              Jaguar F-TypeSports Car$1,840$153
              Lexus LC 500Sports Car$1,972$164
              Porsche 911Sports Car$2,042$170
              BMW i8Sports Car$2,228$186
              Acura NSXSports Car$2,314$193
              BMW Alpina B7Exotic Car$2,314$193
              Mercedes-Benz AMG GTExotic Car$2,396$200
              Mercedes-Benz MaybachExotic Car$2,446$204
              Aston Martin VantageExotic Car$2,452$204

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Washington.
                Top 20 Sports Car and Exotic Car Insurance Rates in Washington

                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.