Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Washington apart
Banned credit-based rating (reinstated after court fight); wildfire comprehensive rising.
Minimum vs. full coverage in Washington
What each coverage level costs on the Washington average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $750 | $62 |
| Liability Only | $1,210 | $101 |
| Full | $2,200 | $183 |
| Full Low Deductible | $2,680 | $223 |
Minimum coverage saves about $1,446/yr vs full — but caps protection at 25/50/10. One at-fault crash above those limits and the gap is yours.
Washington car insurance FAQ
- What's the minimum car insurance required in Washington?
- Washington's state minimum is 25/50/10 — $25k bodily injury per person, $50k per accident, $10k property damage. Minimum-only runs about $750/yr but leaves you exposed above those caps.
- How much is full coverage in Washington?
- Representative full coverage averages $2,196/yr (about $183/mo), ranking Washington #32 of 51 states for cost.
- Why is Washington car insurance priced the way it is?
- Banned credit-based rating (reinstated after court fight); wildfire comprehensive rising.