Pacific Northwest market with heavy rainfall and high repair costs.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Washington was approximately $1,042/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Washington State Office of the Insurance Commissioner — licenses carriers and agents in Washington, reviews rate filings, and handles consumer complaints.
Washington State Office of the Insurance Commissioner — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Washington is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
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