Washington car insurance
Washington motorists choose Progressive for driving throughout Spokane, Tacoma, Vancouver, and anywhere else in the Evergreen State. Find the right type of Washington state car insurance coverage as mandated by state law, discounts to help you save, and learn how easy it is to get a quote for Washington car insurance.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Washington’s minimum auto insurance requirements?
Drivers in Washington are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$10,000 per accident |
While these are Washington state's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Washington a no-fault state?
No. Washington is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Washington?
In 2023, the average cost of car insurance in Washington state for a Progressive auto liability-only policy (single driver/single car) was $87 per month.* Keep in mind your rate can vary based on a variety of factors. These include your location, driving history, plus the limits and coverages you opt for.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in Washington?
Finding the best car insurance in Washington means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Washington get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
If you're looking for the cheapest car insurance in Washington state, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in Washington?
To lower your car insurance cost in Washington, you may qualify for the following discounts through Progressive:
- Homeowner
- Good student
- Paid in full
- Distant student
- Five-year accident-free
- Paperless
- Online quote
- Vehicle tracking system
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Washington is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Washington's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore our car insurance coverages and our car insurance calculator to find which ones are recommended for you.
Washington state driving resources
Get to know Washington's driving laws and resources. These resources apply to Bellingham, Bellevue, Yakima, and everywhere in between. Local municipalities may have additional laws and resources.
- Washington State Department of Licensing (DOL): Find out how to get or renew your Washington license and registration.
- Washington traffic safety resources: Resources for driving responsibly, as well as for specific drivers, including young people, motorcyclists, and more.
- Washington Driver Guide: Learn about updates to the Washington Driver Guide, info about REAL ID, updates to child restraint rules, rules of the road, and more.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Washington
Call us
Talk to a licensed representative who will guide you through every step of the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
