Washington Car Insurance Cost for 2023

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 $1,596 per year, which is around $133 per month, for full-coverage insurance. Average rates for full-coverage insurance are $110 per month.

Rates for some of the most popular vehicles in Washington include the Jeep Grand Cherokee at an average of $1,692 per year, the Honda CR-V at $1,352, the Mazda CX-5 at $1,250, the Toyota Highlander at $1,588, and the Nissan Sentra at $1,478 per year.

Insurance for some luxury models like the Acura TLX, the BMW 330i, and the Mercedes-Benz GLC300 costs an average of $1,644, $1,618, and $1,622 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 2023 vehicle models.

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Chart Data Details: Chart shows average Washington car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Washington zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Washington
Average Car Insurance Cost in Washington
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,682$224
$500$3,168$264
$250$3,680$307
30$1,000$1,406$117
$500$1,678$140
$250$1,960$163
40$1,000$1,344$112
$500$1,596$133
$250$1,854$155
50$1,000$1,224$102
$500$1,448$121
$250$1,682$140
60$1,000$1,204$100
$500$1,424$119
$250$1,654$138

As illustrated in the above chart using our example driver ages, the average cost of car insurance in Washington ranges from $1,204 per year for a 60-year-old driver with a policy with high deductibles to $3,680 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 $100 to $307 per month.

Average car insurance quotes for teenagers in Washington range from $4,012 per year for a 19-year-old female driver up to $5,704 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 3.2% less than Oregon and 27.1% 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 2023 Subaru Outback in Washington is $1,372 per year. When compared to other states, this rates is:

  • $256 per year cheaper than insuring the same vehicle in Colorado ($1,628)
  • $44 per year more expensive than in Utah ($1,328)
  • $444 per year cheaper than in Nevada ($1,816)
  • $462 per year cheaper than in California ($1,834)
  • $22 per year cheaper than in Montana ($1,394)

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.

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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
Hawaii$1,202-$394
Idaho$1,256-$340
Alaska$1,338-$258
Utah$1,546-$50
Wyoming$1,566-$30
Washington$1,596--
Montana$1,620$24
Oregon$1,648$52
Colorado$1,892$296
Nevada$2,110$514
California$2,134$538

When compared to states in other parts of the country, the average cost of auto insurance in Washington is 27.3% cheaper than Florida, 45.1% more expensive than North Carolina, 21.8% cheaper than New York, 2.6% cheaper than Texas, and 7.8% 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 $1,450 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 $2,100 per year.

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Chart Data Details: Average Washington car insurance cost by segment is based on 2023 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.Data last updated on December 30, 2022
Washington Car Insurance Rates by Vehicle Segment
Washington Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,450$121
Midsize Pickup$1,504$125
Midsize SUV$1,556$130
Minivan$1,560$130
Compact Car$1,586$132
Midsize Car$1,622$135
Compact Luxury SUV$1,722$144
Half-ton Pickup$1,728$144
Large SUV$1,742$145
Compact Luxury Car$1,752$146
Heavy Duty Pickup$1,830$153
Large Car$1,852$154
Midsize Luxury SUV$1,852$154
Midsize Luxury Car$2,024$169
Sports Car$2,176$181
Large Luxury SUV$2,340$195
Large Luxury Car$2,458$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 Subaru Impreza at $1,318 per year, the Volkswagen Jetta at $1,454, and the Subaru Legacy at $1,468 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
Subaru ImprezaCompact$1,318$110
Volkswagen JettaCompact$1,454$121
Subaru LegacyMidsize$1,468$122
Nissan SentraCompact$1,478$123
Toyota CorollaCompact$1,496$125
Volkswagen GolfCompact$1,498$125
Toyota PriusCompact$1,502$125
Toyota CamryMidsize$1,514$126
Mazda 3Compact$1,528$127
Kia K5Midsize$1,538$128
Chevrolet MalibuMidsize$1,550$129
Chrysler 300Full-size$1,554$130
Honda CivicCompact$1,556$130
Kia ForteCompact$1,562$130
Mitsubishi Mirage G4Compact$1,570$131
Nissan LeafCompact$1,606$134
Honda AccordMidsize$1,608$134
Toyota CrownMidsize$1,616$135
Tesla Model 3Midsize$1,628$136
Volkswagen ArteonMidsize$1,672$139

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
    Top 20 Cheapest Cars to Insure in Washington

    Cheapest SUV insurance rates in Washington

    The cheapest SUVs to insure in the state of Washington are the Chevrolet Trailblazer at $1,206 per year, the Subaru Crosstrek at $1,216, and the Nissan Kicks at $1,468 per year.

    From a monthly standpoint, average full-coverage insurance for a new SUV in Washington will start around $101 per month, depending on the company, and will top out at nearly $1,948 per year, or about $162 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/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet TrailblazerCompact$1,206$101
    Subaru CrosstrekCompact$1,216$101
    Nissan KicksCompact$1,222$102
    Honda PassportMidsize$1,238$103
    Nissan Rogue SportCompact$1,244$104
    Mazda CX-5Compact$1,250$104
    Buick EncoreCompact$1,270$106
    Buick EnvisionCompact$1,274$106
    Kia SeltosCompact$1,290$108
    Subaru AscentMidsize$1,294$108
    Hyundai VenueCompact$1,300$108
    Honda HR-VCompact$1,324$110
    Hyundai KonaCompact$1,336$111
    Subaru ForesterCompact$1,342$112
    Ford EdgeMidsize$1,350$113
    Honda CR-VCompact$1,352$113
    Mazda CX-30Compact$1,356$113
    Ford ExplorerMidsize$1,358$113
    Volkswagen AtlasMidsize$1,360$113
    Chevrolet TraxCompact$1,366$114

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
      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 spots.

      Top 20 Cheapest Pickup Truck Insurance Rates in Washington
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Ford MaverickMidsize$1,324$110
      Chevrolet ColoradoMidsize$1,326$111
      Nissan FrontierMidsize$1,374$115
      Ford RangerMidsize$1,414$118
      GMC CanyonMidsize$1,448$121
      Toyota TacomaMidsize$1,454$121
      Hyundai Santa CruzMidsize$1,482$124
      Nissan TitanFull-size$1,578$132
      Honda RidgelineMidsize$1,582$132
      Ford F150Full-size$1,620$135
      GMC Sierra 2500 HDHeavy Duty$1,632$136
      Jeep GladiatorMidsize$1,656$138
      Toyota TundraFull-size$1,674$140
      GMC Sierra 3500Heavy Duty$1,680$140
      Chevrolet SilveradoFull-size$1,740$145
      GMC SierraFull-size$1,740$145
      Ram TruckFull-size$1,740$145
      Chevrolet Silverado HD 2500Heavy Duty$1,748$146
      Chevrolet Silverado HD 3500Heavy Duty$1,752$146
      Nissan Titan XDHeavy Duty$1,780$148

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
        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 Integra at $1,432 per year, or about $119 per month. Other models that rank well for 2023 are the BMW 330i and Acura TLX.

        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 IntegraCompact$1,432$119
        BMW 330iCompact$1,618$135
        Acura TLXCompact$1,644$137
        Cadillac CT4Compact$1,664$139
        Genesis G70Compact$1,698$142
        Cadillac CT5Midsize$1,714$143
        Lexus ES 350Midsize$1,718$143
        BMW 330eCompact$1,724$144
        Lexus ES 250Midsize$1,728$144
        BMW 228iCompact$1,732$144
        Lexus RC 300Midsize$1,734$145
        Mercedes-Benz AMG CLA35Midsize$1,738$145
        Audi A3Midsize$1,742$145
        BMW 230iCompact$1,744$145
        Mercedes-Benz C300Compact$1,754$146
        Audi A4Compact$1,764$147
        Lexus RC 350Compact$1,766$147
        Audi S3Compact$1,778$148
        Mercedes-Benz AMG CLA45Midsize$1,778$148
        Volvo S60Compact$1,780$148

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
          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 Acura RDX at $1,328 per year, with the Lexus RX 350 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
          Acura RDXCompact$1,328$111
          Lexus RX 350Midsize$1,426$119
          Cadillac XT4Compact$1,438$120
          Volvo XC40Compact$1,464$122
          Infiniti QX50Midsize$1,474$123
          Lexus UX 250hCompact$1,490$124
          Cadillac XT5Midsize$1,514$126
          Mercedes-Benz GLA250Compact$1,546$129
          Cadillac XT6Midsize$1,550$129
          Mercedes-Benz GLB 250Compact$1,550$129
          Lexus NX 250Compact$1,572$131
          Acura MDXMidsize$1,586$132
          Lexus NX 350hCompact$1,590$133
          Lexus NX 350Compact$1,600$133
          Lexus NX 450hCompact$1,602$134
          Lincoln CorsairCompact$1,602$134
          Lincoln NautilusMidsize$1,614$135
          BMW X1Compact$1,616$135
          Alfa Romeo TonaleCompact$1,618$135
          Mercedes-Benz GLC300Compact$1,622$135

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
            Top 20 Cheapest Luxury SUVs to Insure in Washington

            Minivan and utility van insurance rates

            The cheapest minivan insurance in Washington is for the Honda Odyssey at $1,456 per year, or $121 per month.

            The second cheapest minivan to insure in the state of Washington is the Chrysler Pacifica at $1,560 per year, and the third cheapest is the Kia Carnival at $1,596 per year.

            Full-size and Minivan Insurance Rates in Washington
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ExpressFull-size Van$1,368$114
            Ford Transit ConnectMidsize Van$1,390$116
            Honda OdysseyMinivan$1,456$121
            Ford TransitFull-size Van$1,492$124
            GMC SavanaFull-size Van$1,494$125
            Ram PromasterFull-size Van$1,544$129
            Chrysler PacificaMinivan$1,560$130
            Kia CarnivalMinivan$1,596$133
            Toyota SiennaMinivan$1,636$136

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
              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 MX-5 Miata is the cheapest sports car to insure in Washington at $1,472 per year. The second place ranking goes to the Audi TT at an average cost of $1,652 per year, with the Ford Mustang coming in third at $1,726.

              Top 20 Sports Car and Exotic Car Insurance Rates in Washington
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,472$123
              Audi TTSports Car$1,652$138
              Ford MustangSports Car$1,726$144
              BMW Z4Sports Car$1,740$145
              Subaru WRXSports Car$1,758$147
              Nissan ZSports Car$1,786$149
              Toyota GR SupraSports Car$1,816$151
              BMW M2Sports Car$1,838$153
              Toyota GR86Sports Car$1,838$153
              Subaru BRZSports Car$1,920$160
              Chevrolet CorvetteSports Car$1,962$164
              BMW M3Sports Car$2,008$167
              Lexus RC FSports Car$2,050$171
              Porsche 718Sports Car$2,050$171
              Chevrolet CamaroSports Car$2,084$174
              Mercedes-Benz AMG GT53Sports Car$2,210$184
              Jaguar F-TypeSports Car$2,284$190
              Porsche TaycanSports Car$2,336$195
              BMW M4Sports Car$2,366$197
              Lexus LC 500Sports Car$2,394$200

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
                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.