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Washington car insurance
Getting car insurance in Washington
Learn about Washington's car insurance requirements, your coverage options, and what affects your rate. Progressive gives Washington drivers flexible coverage and transparent pricing to handle the costs that may come with rainy coastal commutes and mountain snow. Plus, we make it easy to compare coverage, budget, and save with the Name Your Price® tool.
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What are the minimum auto insurance requirements in Washington?
Washington requires drivers to carry bodily injury and property damage liability coverages. Insurers must also offer personal injury protection (PIP) and uninsured/underinsured motorist coverage, but you can reject either one in writing. Below are the state's minimum liability limits.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$25,000 per person |
|
Property damage liability |
Damage you cause to other people's property in an accident |
$10,000 per accident |
Washington's minimum coverage limits may not go far if you're at fault in a serious accident, so higher limits may offer better financial protection. See how much car insurance you may need for your situation.
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Car insurance discounts in Washington
Car insurance discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Washington drivers get a better deal on car insurance. Popular discounts available in Washington include:
-
Snapshot®
Save when you enroll in Snapshot® and share your driving habits through the Progressive app. Many drivers save just for signing up, and safe drivers earn more at renewal.
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Paid in full
Save when you pay your premium in full up front. Choosing the full amount instead of monthly installments earns a discount and skips the installment fees.
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Paperless
Save when you choose paperless billing and documents. You'll get your statements and policy details by email and earn a discount for skipping the mail.
What is the average cost of car insurance in Washington?
Based on Progressive's internal data, the average cost of a six-month liability-only policy in Washington was $91.22 per month in 2025.† That amount is based on one vehicle and one driver, and your premium will vary with coverages and limits you choose. The cost of car insurance depends on factors unique to you, including where you live, your driving history, and the discounts you qualify for.
Factors that impact your auto insurance rate in Washington
Many factors can impact how much you pay for auto insurance. Some reflect your specific situation, and others come down to choices you can make:
- Payment method: How you pay can lower your cost. Paying in full or setting up automatic payments helps you avoid installment fees and earn a discount.
- Driving history: Tickets, accidents, and past claims can raise your rate.
- Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
- Location: Your ZIP code affects your rate, as traffic density, accident and theft rates, and weather vary across the state.
- Coverage choices and deductibles: The coverages, limits, and deductibles you select directly affect your premium. A higher deductible lowers your premium, while more coverage or higher limits raise it.
Recommended additional auto insurance coverages in Washington
Washington's required liability coverage won't repair your own car or pay your own medical bills. These optional coverages may fill those gaps, and most lenders require comprehensive and collision if you finance or lease:
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events |
|
Collision |
Cost to repair your vehicle if it overturns or collides with another vehicle or object |
|
Personal injury protection |
Your medical costs after an accident, plus lost wages and certain other expenses, regardless of fault. Insurers must offer it, but you can reject it in writing |
|
Uninsured/underinsured motorist |
Your injury costs when an at-fault driver has too little or no insurance. Insurers must offer it, but you can reject it in writing. |
Washington driving resources
Get to know Washington's driving laws and insurance resources. Keep in mind that local governments may have additional rules or requirements.
- Washington State Department of Licensing (DOL): Handles driver licensing, vehicle registration, and proof-of-insurance verification.
- Washington Driver Guide: Rules of the road, REAL ID, child restraint rules, and updates for new and current drivers.
- Washington Office of the Insurance Commissioner (OIC): Regulates the state's insurers and helps consumers with insurance questions and complaints.
How to get car insurance in Washington with Progressive
Progressive makes it easy for Washington drivers to compare coverage options and get a competitive auto insurance quote.
-
Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Washington car insurance FAQs
What else needs protection in Washington?
