- Car Insurance
- Auto Insurance by State
- Washington Car Insurance
Get a Washington car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Washington
Need car insurance in Washington? Whether you live in Seattle or Spokane, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Washington auto insurance, so you only pay for what you need.
Washington drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programWashington minimum car insurance requirements (25/50/10)
It's illegal to drive without car insurance in the state of Washington. To drive legally, you need to have at least the following coverage amounts and minimums in Washington.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
Visit the Washington Department of Financial Regulation for official coverage requirements and details.
Average car insurance cost in Washington, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Washington is about $1,932 per year.
Washington drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers affordable car insurance in Washington?
Finding the cheapest car insurance in Washington may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Washington state car insurance FAQs
Washington drivers don't just drive cars. From the Cascades to the coastline, and everything in between, your garage could hold any number of different rides. We cover them all. In addition to auto insurance in Washington State, Liberty Mutual offers motorcycle insurance, RV insurance, ATV and snowmobile insurance, classic car coverage, and boat insurance for everything from a kayak to a cruiser exploring the San Juan Islands. Contact a Liberty Mutual agent today to learn more.
To get car insurance in Washington, you'll typically need a valid driver's license, your vehicle identification number (VIN), and basic information about your car, such as the year, make, and model. If you want to add other drivers to the policy, you'll usually need their driver's license information as well. Having these details ready can make it easier to compare Washington auto insurance quotes and choose the coverage that fits your needs.
Common car insurance coverage types in Washington include Liability Coverage, Uninsured/Underinsured Motorist Coverage, Personal Injury Protection (PIP), Collision Coverage, and Comprehensive Coverage. Washington drivers must carry minimum Liability Coverage, which helps pay for injuries or property damage they cause in an accident.
Additional coverages can help pay for your own medical expenses, vehicle repairs, and non-collision losses such as theft, hail, or falling objects. In Washington, insurers generally must offer UM/UIM Coverage and PIP, although drivers may reject those coverages in writing
Most personal auto insurance policies exclude regular business or commercial use. If you're a home healthcare worker, or even a volunteer, your standard policy may not cover you while you're on the job. You may want to look for a commercial auto policy or a business-use endorsement. Contact Liberty Mutual to learn more about your options.
Several factors can affect car insurance rates in Washington, including your driving record, age, driving experience, and the type of car you drive. Your location also matters, and drivers in cities like Seattle and Tacoma may pay more due to heavier traffic and more frequent claims. Your coverage selections and deductible can also impact your rate.