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The Best Car Insurance Companies in Washington

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    Car insurance is a legal requirement in Washington. But if you’ve ever shopped for auto insurance, you know there are dozens of options. It may seem overwhelming to choose the right car insurance company, especially if you are torn between wanting affordable rates, generous coverages, specific types of coverage, or something else.

    To help you find the best car insurance companies in Washington, we did some research to help you get started. Reviews.com evaluated a group of the largest car insurance providers by market share in the state. We narrowed down the list based on coverage, discounts, average premium data provided by Bankrate.com, and third-party ratings.

    The 4 Best Auto Insurance Companies in Washington

    Compare the Best Car Insurance Companies in Washington

    Average Price for State Minimum* Average Price for Full Coverage* AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$359$912A++821
    Pin USAA$292$818A++884
    Pin State Farm$404$951A++844
    Pin Progressive$376$974A+817

    Information accurate as of December 2021

    * Data provided by Bankrate.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    ***Not officially ranked by J.D. Power due to eligibility restrictions

    Geico

    Geico

    Best for Affordability

    Why we chose it

    Based on our review, Geico offers some of the cheapest car insurance premiums in Washington. Geico also offers lots of discounts that could mean additional savings.
    • 912 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 821** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Based on our review, Geico offers some of the cheapest car insurance premiums in Washington. Geico also offers lots of discounts that could mean additional savings.

    Pros

    • Low average premium
    • Numerous discounts
    • Strong financial ratings

    Cons

    • Does not offer gap insurance
    • No discounts for hybrid/electric cars
    Read More

    Types of Coverage Offered

    • Personal injury protection (PIP)
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown coverage

    Discounts Available

    • Defensive driving course
    • Driver education course
    • Emergency deployment
    • Federal employee
    • Good driver
    • Good student
    • Membership and employee
    • Military
    • Multi-vehicle
    • Multi-policy
    • New vehicle
    • Seat belt use
    • Vehicle safety features

    More Geico Insurance Reviews

    USAA

    USAA

    Best for Military-Focused Coverage

    Why we chose it

    Washington drivers who are active duty or retired military service members, as well as qualifying family members, may be able to purchase car insurance from USAA, which offers excellent customer service, competitive rates, and great discounts.
    • 818 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 884** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Washington drivers who are active duty or retired military service members, as well as qualifying family members, may be able to purchase car insurance from USAA, which offers excellent customer service, competitive rates, and great discounts.

    Pros

    • Affordable auto insurance policies
    • Multiple discounts
    • Personalized customer service

    Cons

    • Available only to military families
    • Limited number of branch locations
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • Personal injury protection (PIP)
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement

    Discounts Available

    • Annual mileage
    • Anti-theft device
    • Defensive driving course
    • Driver training course
    • Family discount
    • Good student
    • Length of membership
    • Military installation
    • Multi-vehicle
    • New Vehicle
    • Policy bundling
    • Safe driver
    • USAA SafePilot program
    • Vehicle storage

    More USAA Insurance Reviews

    State Farm

    State Farm

    Best for Discounts

    Why we chose it

    State Farm offers some of the most unique discounts, which may help offset the company’s above-average premiums.
    • $951 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 844** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers some of the most unique discounts, which may help offset the company’s above-average premiums.

    Pros

    • Coverage for rideshare drivers
    • Highly rated mobile app
    • Impressive financial strength
    • Unique discounts

    Cons

    • Average minimum coverage premium is higher than state average
    • Fewer add-on coverages than competitors
    • No accident forgiveness
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Car rental and travel
    • Rideshare driver
    • Roadside assistance coverage

    Discounts Available

    • Accident-free
    • Defensive driving course
    • Drive Safe & Save program
    • Good driver
    • Good student
    • Multi-vehicle
    • Passive restraint
    • Policy bundling
    • Steer Clear program
    • Student away at school
    • Vehicle safety

    More State Farm Insurance Reviews

    Progressive

    Progressive

    Best for High-Risk Drivers

    Why we chose it

    Progressive could be a good option for high-risk Washington drivers. The company offers a wide variety of discounts which could help you save money.
    • $974 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 817** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive could be a good option for high-risk Washington drivers. The company offers a wide variety of discounts which could help you save money.

    Pros

    • Fast and efficient claims handling
    • Several discounts
    • Variety of add-on policies for customization

    Cons

    • Below-average customer service ratings
    • Some discounts not offered in certain states
    Read More

    Types of Coverage Offered

    • Roadside assistance
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • AutoPay
    • Claim-free
    • Continuous insurance
    • Distant student
    • Good student
    • Homeowner
    • Multi-policy
    • Multi-vehicle
    • Online quote
    • Paperless billing
    • Pay in full
    • Sign online
    • Snapshot® program
    • Teen driver

    More Progressive Insurance Reviews

     * Data provided by Bankrate.com.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Washington

    In Washington State, the average cost of car insurance is $1,176 for a full coverage policy and $463 for a minimum coverage policy, based on 2021 quoted premium data from Bankrate.com. However, keep in mind that car insurance rates are personalized for every driver. In addition to location-based factors, like your ZIP code and loss statistics in your area, premiums in most states are also impacted by your age, gender, claim history, and driving record. As a result, it’s important to shop around and compare car insurance quotes before purchasing a policy.

    Top 3 Cheapest Car Insurance Companies in Washington

    CompanyAverage Annual Full Coverage Premium
    USAA$818
    Oregon Mutual$825
    Travelers$876

    Top 3 Most Expensive Car Insurance Companies in Washington

    CompanyAverage Annual Full Coverage Premium
    Chubb$1,421
    Allstate$1,384
    California Casualty$1,371

    Top 3 Cheapest Cities for Car Insurance in Washington 

    CityAverage Annual Full Coverage Premium
    Port Townsend$992
    Sequim$995
    Carlsborg$995

    Top 3 Most Expensive Cities for Car Insurance in Washington 

    CityAverage Annual Full Coverage Premium
    Boulevard Park$1,460
    Midland$1,456
    Parkland$1,451

    Key Things to Know About Car Insurance in Washington

    As a Washington driver, you can access specific information regarding insurance from the Department of Licensing (DOL). Additional information is also provided by the Office of the Insurance Commissioner. 

    Washington Minimum Insurance Requirements

    Most states require drivers to have some sort of car insurance, but the type of coverage and limits that each state requires will vary. Washington requires drivers to have liability insurance, which will cover bodily injury and property damage they are at-fault in an accident. 

    Washington minimum auto insurance requirements:

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury liability per accident
    • $10,000 for property damage liability

    In addition to liability coverage, Washington car insurance companies are required to offer personal injury protection (PIP) and uninsured motorist coverage to all drivers. However, drivers have the option to decline these coverages if they want.

    Car Insurance Coverage Options

    There are additional coverages when considering further financial protection as a driver in Washington: 

    • Collision: Covers the cost of damage to your vehicle caused by a collision as well damage caused by your vehicle flipping over or hitting a pothole. 
    • Comprehensive: Covers the cost of damage caused by something other than a collision with another car or object, such as theft or fire. 
    • Uninsured and underinsured motorist: Covers damage caused by a driver who is at-fault but does not have insurance or insurance that will fully cover the cost of damages.
    • Roadside assistance: Covers the cost of roadside services that may be required if your vehicle breaks down and needs to be towed.

    Frequently asked questions

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Washington, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Bankrate.com’s data of car insurance in Washington, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

    These are sample rates and should only be used for comparative purposes.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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