Washington Car Insurance

Your Guide to Buying Car Insurance in Washington

Independent agents in Washington shop multiple companies to get you the best price on car insurance.

The Evergreen State is one of the most populous western states. Whether you drive your car to work, to the ocean, or to the mountains, it’s important to have the proper Washington car insurance at the best rate.

Shopping for the right auto policy can be a challenge. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Washington Car Insurance Costs

  • National average cost per year: $1,474
  • Washington average cost per year: $1,499
  • 24th most expensive premiums in the US

The most recent information available as of 2017 shows that Washington average premium costs are $1,499, which is right around the national average. Your car insurance company will take into consideration the population density in your city or town (based on your ZIP code), as well as several other factors unique to you. Talk to an independent agent to make sure you’re getting the best rate for your needs and budget.

Washington Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/10
  • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Washington state law requires resident drivers to demonstrate proof of financial responsibility in the form of a liability insurance policy. Failure to comply with state rules can result in a fine of up to $250 or another form of state restitution.

Washington Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Washington uninsured motorists: 16.1%
  • Washington average vehicle repair cost: $2,231

The percentage of Washington state drivers without required liability insurance is higher than the national average. The state does not require uninsured motorist coverage, though it could help you collect compensation for any damages caused by an at-fault, uninsured driver.

Collecting from a driver without insurance may be a long and litigious process, but with uninsured motorist coverage, you’ll be compensated through your insurance company. Your insurer may then pursue the at-fault driver, but you’ll get compensated for repairs or injuries right away.

Thefts in Washington

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Washington car theft rate (per 1,000 registered vehicles): 4.69

The car theft rate in Washington is higher than the national average. The National Insurance Crime Bureau ranked two Washington metropolitan areas in the top 12 cities for high rates of vehicle theft: Spokane and Seattle.

A comprehensive Washington car insurance policy can help you protect your investment in your vehicle. Other common-sense measures to prevent theft include locking your vehicle, parking it in a secure area, and stowing valuables out of sight.

Do You Need Washington Car Insurance?

If you need to buy a new Washington car insurance policy or make sure your old coverage is still adequate, contact an independent agent in the Trusted Choice network. These professionals are happy to help you compare Washington auto insurance quotes, select the appropriate coverage amounts, and provide you with excellent customer service.

Shopping for the best auto policy at the right price can be a time-consuming and complex task. A local, independent agent will keep this process simple and help you get on the road with the best insurance fast. Call today for an obligation-free quote from an agent in your neighborhood.

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