Auto Insurance in Washington
The average car insurance cost in Washington is $1,420 per year for full coverage. Washington requires minimum liability coverage of 25/50/10. The state's uninsured driver rate is 6.1%, which is below the national average of 12.6%.
Top auto insurers in Washington: State Farm, GEICO, PEMCO. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in Washington
Homeowners insurance in Washington averages $1,280 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the West region.
Health Insurance in Washington
The average individual health insurance premium in Washington is approximately $510/month before subsidies through the ACA marketplace. Many Washington residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
Washington requires all drivers to carry minimum liability insurance of 25/50/10. This means: $25,000 per person for bodily injury, $50,000 per accident total for bodily injury, and $10,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in Washington
The largest and most popular insurance companies in Washington include:
- State Farm — Market leader in Washington
- GEICO — Competitive rates and strong service
- PEMCO — Popular choice with good coverage options