Auto Insurance in Washington — Average Cost 2026
Average auto insurance in Washington: $1,890/year ($158/month). Washington ranks #36 out of 51 states — above the national average.
Average annual
$1,890
Average monthly
$158
National rank
#36
of 51 states
vs national avg
+6.2%
Washington vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Washington
Washington sits 6% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Washington tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Washington drivers hundreds of dollars annually.