How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost

Washington State Car Insurance FAQ - Quick Answers

On average, Washington drivers pay $1,110 a year for their car insurance. This is less expensive than the national average premium of $1,311 annually. However, this can vary a lot, and you can obtain exact costs for your coverage through a an independent insurance agent for free.

Car insurance covers a multitude of losses depending on what coverages you select. Some of the most used limits in Washington are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
  • Collision: Pays for a collision with another vehicle, animal, or property.

Washington car insurance is mandatory at the state minimum limits listed below:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • Uninsured motorist liability 

There are several carriers that you could obtain car insurance through. In Washington, Progressive, Safeco, Nationwide, and Travelers insurance companies are among the best in the state. These companies are top rated because of their excellent claims service and customer care. 

In Washington, and other states, carriers look at numerous risk factors when rating your car insurance policy. This includes:

  • Your age
  • Your address
  • Your annual mileage
  • Your vehicle's value
  • Your coverage selection
  • Your claims history
  • Your driving record

No. In Washington, you are not required to provide evidence of car insurance when registering your vehicle. However, you will need to prove that you have coverage if you're pulled over or involved in an accident. 

Auto insurance follows the car in Washington. What this means is that if you are lent a vehicle, then you're also borrowing their insurance policy in the event of an accident or loss.

Do You Know What Your Car Insurance Covers in Washington?

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