Washington Car Insurance Cost for 2022

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 $1,158 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 $1,226 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.

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Chart Data Details: Chart shows average Washington car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Washington
Average Car Insurance Cost in Washington
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,948$162
$500$2,294$191
$250$2,660$222
30$1,000$1,020$85
$500$1,216$101
$250$1,416$118
40$1,000$980$82
$500$1,158$97
$250$1,342$112
50$1,000$892$74
$500$1,052$88
$250$1,218$102
60$1,000$878$73
$500$1,034$86
$250$1,198$100

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 9.4% less than Oregon and 3.8% 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.

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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$1,036-$122
Washington$1,158--
Idaho$1,204$46
Utah$1,258$100
Oregon$1,278$120
Alaska$1,338$180
Wyoming$1,398$240
Montana$1,484$326
Colorado$1,626$468
Nevada$1,672$514
California$1,746$588

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.

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Chart Data Details: Average Washington car insurance cost by segment is based on 2022 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 April 12, 2022
Washington Car Insurance Rates by Vehicle Segment
Washington Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,080$90
Midsize Pickup$1,110$93
Minivan$1,164$97
Midsize SUV$1,168$97
Compact Car$1,190$99
Midsize Car$1,206$101
Half-ton Pickup$1,256$105
Compact Luxury SUV$1,298$108
Large SUV$1,304$109
Compact Luxury Car$1,312$109
Large Car$1,338$112
Heavy Duty Pickup$1,378$115
Midsize Luxury SUV$1,396$116
Midsize Luxury Car$1,530$128
Sports Car$1,630$136
Large Luxury SUV$1,746$146
Large Luxury Car$1,826$152

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.

Top 20 Cheapest Cars to Insure in Washington
Make/Model Vehicle Size Annual Cost Monthly Cost
Subaru ImprezaCompact$1,004$84
Chevrolet SparkCompact$1,006$84
Volkswagen GolfCompact$1,112$93
Subaru LegacyMidsize$1,120$93
Volkswagen JettaCompact$1,122$94
Honda InsightMidsize$1,124$94
Nissan SentraCompact$1,126$94
Kia K5Midsize$1,138$95
Toyota CamryMidsize$1,138$95
Toyota CorollaCompact$1,138$95
Kia RioCompact$1,140$95
Volkswagen PassatMidsize$1,142$95
Honda CivicCompact$1,144$95
Mazda 3Compact$1,144$95
Mazda 6Midsize$1,152$96
Toyota PriusCompact$1,156$96
Hyundai AccentCompact$1,170$98
Kia ForteCompact$1,180$98
Hyundai VelosterCompact$1,182$99
Chevrolet MalibuMidsize$1,200$100

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 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 March 24, 2022
    Top 20 Cheapest Cars to Insure in Washington

    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.

    Top 20 Cheapest SUV Insurance Rates in Washington
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Mazda CX-5Compact$882$74
    Nissan KicksCompact$900$75
    Chevrolet TrailblazerCompact$908$76
    Subaru CrosstrekCompact$928$77
    Honda PassportMidsize$930$78
    Buick EncoreCompact$956$80
    Toyota C-HRCompact$956$80
    Nissan Rogue SportCompact$964$80
    Hyundai VenueCompact$982$82
    Buick EnvisionCompact$984$82
    Kia SeltosCompact$986$82
    Toyota Corolla CrossCompact$992$83
    Subaru AscentMidsize$994$83
    Hyundai KonaCompact$1,002$84
    Subaru ForesterCompact$1,002$84
    Volkswagen TiguanCompact$1,004$84
    Honda CR-VCompact$1,012$84
    Mazda CX-30Compact$1,022$85
    Honda HR-VCompact$1,038$87
    Ford EdgeMidsize$1,042$87

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 March 24, 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
      Chevrolet ColoradoMidsize$954$80
      Ford MaverickMidsize$990$83
      Ford RangerMidsize$1,028$86
      Toyota TacomaMidsize$1,074$90
      Nissan FrontierMidsize$1,100$92
      GMC CanyonMidsize$1,108$92
      Hyundai Santa CruzMidsize$1,112$93
      Ford F150Full-size$1,122$94
      Honda RidgelineMidsize$1,128$94
      Jeep GladiatorMidsize$1,138$95
      GMC SierraFull-size$1,180$98
      Nissan TitanFull-size$1,220$102
      Chevrolet SilveradoFull-size$1,244$104
      Toyota TundraFull-size$1,246$104
      Ford F350 Super DutyHeavy Duty$1,254$105
      Chevrolet Silverado HD 3500Heavy Duty$1,264$105
      Nissan Titan XDHeavy Duty$1,296$108
      Ram TruckFull-size$1,320$110
      GMC Sierra 2500 HDHeavy Duty$1,348$112
      GMC Sierra 3500Heavy Duty$1,360$113

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 March 9, 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 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.

        Top 20 Cheapest Luxury Cars to Insure in Washington
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,064$89
        Mercedes-Benz A220Compact$1,136$95
        BMW 330iCompact$1,222$102
        Acura TLXCompact$1,228$102
        Volvo S60Compact$1,240$103
        BMW 330eCompact$1,246$104
        BMW 228iCompact$1,252$104
        BMW 230iCompact$1,262$105
        Alfa Romeo GiuliaCompact$1,282$107
        Lexus RC 300Midsize$1,282$107
        Cadillac CT4Compact$1,286$107
        Lexus RC 350Compact$1,286$107
        Genesis G70Compact$1,304$109
        Mercedes-Benz AMG CLA35Midsize$1,312$109
        BMW i4Midsize$1,320$110
        Cadillac CT5Midsize$1,324$110
        Audi A3Midsize$1,336$111
        Audi A4Compact$1,340$112
        Mercedes-Benz AMG CLA45Midsize$1,342$112
        Audi S3Compact$1,344$112

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 March 13, 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 $990 per year, with the Cadillac XT4 and Volvo XC40 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$990$83
          Cadillac XT4Compact$1,016$85
          Volvo XC40Compact$1,114$93
          Cadillac XT5Midsize$1,138$95
          Lexus NX 250Compact$1,150$96
          BMW X1Compact$1,152$96
          Lexus NX 350hCompact$1,158$97
          Lexus UX 250hCompact$1,158$97
          Lexus NX 350Compact$1,180$98
          Lexus UX 200Compact$1,182$99
          Jaguar E-PaceMidsize$1,186$99
          Lexus RX 350Midsize$1,190$99
          Acura MDXMidsize$1,196$100
          Lincoln NautilusMidsize$1,208$101
          Lexus NX 450hCompact$1,210$101
          Mercedes-Benz GLB 250Compact$1,216$101
          Lexus RX 450hMidsize$1,220$102
          Infiniti QX50Midsize$1,222$102
          Land Rover EvoqueCompact$1,222$102
          Lincoln CorsairCompact$1,226$102

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 March 13, 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 $1,080 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.

            Full-size and Minivan Insurance Rates in Washington
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$932$78
            Chevrolet ExpressFull-size Van$968$81
            Nissan NVFull-size Van$1,018$85
            GMC SavanaFull-size Van$1,058$88
            Honda OdysseyMinivan$1,080$90
            Nissan NV200Midsize Van$1,090$91
            Ford Transit ConnectMidsize Van$1,102$92
            Ram PromasterFull-size Van$1,132$94
            Chrysler PacificaMinivan$1,160$97
            Ford TransitFull-size Van$1,166$97
            Kia CarnivalMinivan$1,210$101
            Toyota SiennaMinivan$1,212$101

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 March 24, 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 $1,002 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.

              Top 20 Sports Car and Exotic Car Insurance Rates in Washington
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,002$84
              Ford MustangSports Car$1,220$102
              BMW Z4Sports Car$1,246$104
              Subaru WRXSports Car$1,312$109
              Toyota GR86Sports Car$1,346$112
              Toyota GR SupraSports Car$1,380$115
              Audi TTSports Car$1,408$117
              Subaru BRZSports Car$1,454$121
              Chevrolet CorvetteSports Car$1,458$122
              BMW M3Sports Car$1,498$125
              Porsche 718Sports Car$1,564$130
              Chevrolet CamaroSports Car$1,602$134
              Lexus RC FSports Car$1,634$136
              Dodge ChallengerSports Car$1,646$137
              Mercedes-Benz AMG GT53Sports Car$1,670$139
              Jaguar F-TypeSports Car$1,748$146
              Porsche TaycanSports Car$1,794$150
              Aston Martin VantageExotic Car$1,838$153
              Porsche 911Sports Car$1,838$153
              BMW M4Sports Car$1,840$153

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 April 2, 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.