Car Insurance for Age 16-19 in Washington

Average auto insurance rates for 16-19 year old drivers in Washington (WA), including male vs female rate comparison.

Avg Annual Rate

$4,374

$286 below national avg

Male Rate

$4,941/yr

Female Rate

$3,807/yr

Cost Rank

#32

of 51 states

Male vs Female Rates — Age 16-19 in Washington

Gender	Annual	Monthly	vs Average
Male	$4,941	$412	+$567
Female	$3,807	$317	$-567
Average	$4,374	$365	—

Male drivers aged 16-19 pay $1,134 more per year in Washington.

All Age Groups in Washington

Age Group	Average	Male	Female
16-19 ←	$4,374	$4,941	$3,807
20-25	$2,916	$3,240	$2,592
26-35	$1,782	$1,863	$1,701
36-45	$1,620	$1,652	$1,588
46-55	$1,539	$1,571	$1,507
56-65	$1,490	$1,523	$1,458
65+	$1,701	$1,750	$1,652

Most & Least Expensive States for Age 16-19

Most Expensive

#1	Michigan	$7,290
#2	Louisiana	$7,020
#3	Florida	$6,750
#4	New York	$6,264
#5	Kentucky	$5,940
#6	Colorado	$5,670
#7	Georgia	$5,670
#8	California	$5,589
#9	Nevada	$5,589
#10	Oklahoma	$5,481

Least Expensive

#51	Maine	$2,430
#50	Vermont	$2,700
#49	New Hampshire	$2,835
#48	Idaho	$2,970
#47	Hawaii	$3,429
#46	Wisconsin	$3,456
#45	Ohio	$3,483
#44	North Carolina	$3,645
#43	Iowa	$3,645
#42	North Dakota	$3,672

Washington Insurance Overview

State Avg Premium

$1,620/yr

Fault System

At-Fault (Tort)

Uninsured Rate

15.6%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 16-19 in Washington?

The average annual car insurance premium for 16-19 year olds in Washington is $4,374 (about $365/month). This is $286 below the national average of $4,660 for this age group.

Do males or females pay more for car insurance at age 16-19 in Washington?

In Washington, male drivers aged 16-19 pay more — $4,941/yr for males vs $3,807/yr for females, a difference of $1,134 per year.

How does Washington rank for age 16-19 insurance costs?

Washington ranks #32 out of 51 states for car insurance costs for 16-19 year olds (most expensive first). The cheapest state for this age group is Maine at $2,430/yr, while Michigan is the most expensive at $7,290/yr.

Why is car insurance cheaper for age 16-19 in Washington?

Insurance rates for 16-19 year olds in Washington are influenced by the state's at-fault (tort) system, local accident rates (93,664/yr), uninsured driver rate (15.6%), and population density. Washington has 6,244,300 registered vehicles.

How can 16-19 year olds save on car insurance in Washington?

16-19 year olds in Washington can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 16-19 Rates in Other States

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