Washington auto insurance averages - $1,152.50 per year in 2023, ranked #25 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Washington's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,152.50 ▲9.9% | $708 |
| 2022 | $1,048.33 ▲1.8% | $668 |
| 2021 | $1,029.51 ▼0.6% | $667 |
| 2020 | $1,035.25 ▼3.1% | $681 |
| 2019 | $1,068.26 | $707 |
Evidence lead: Five-year movement
Washington's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Washington's +7.9% change ranks #49 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
Year-by-year shape
Washington has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +9.9% from 2022 to 2023; the largest absolute step is +9.9% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Coverage-component signature
Washington's most distinctive 2023 component is comprehensive: $153.93, or 38.2% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Washington's $1,152.50 average expenditure places it #25 of 51, in the broad middle of the reported jurisdictions. A middle rank does not mean every coverage component is typical: liability, collision, and comprehensive averages can occupy different positions even when the blended expenditure lands near the center.
Narrow registry context
Washington's complaint lookup is comparatively narrow: 36 represented companies and 3,866 records, ranking #47 and #47 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, Washington's closest peers in this dataset are Illinois ($1,153.05) and Pennsylvania ($1,154.63), both within a few dollars of Washington's own $1,152.50.
Note on state comparisons: These averages reflect the mix of coverages purchased in Washington, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
