Best Car Insurance in Washington (February 2024)

USAA, State Farm, and GEICO offer some of the lowest car insurance rates in Washington.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 14, 2024 at 7:34 AM PST

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Washington drivers pay an average of $197 a month for car insurance, which is higher than the national average. Motorists in Washington may struggle to choose the right car insurance company and for good reason. A vehicle’s type, age, and your driving record can all affect the type of car insurance you need.[1]

Quick Facts
  • Drivers in Washington state pay 28% more for car insurance than the national average of $148 per month.

  • A DUI charge in Washington can drive your auto insurance rates up by nearly 100%.

  • Yokima and Spokane residents enjoy some of the lowest car insurance costs in the state.

Best car insurance companies in Washington

Due to the unique insurance needs of each individual driver, choosing the right auto insurance company depends on a variety of factors, such as your budget, vehicle type, and driving history.[1] To make things easier, Insurify compiled a list of the best car insurance companies in Washington.

Find Car Insurance in Washington

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
USAAOverall$664.5
State FarmLow rates$654.4
American FamilyAffordability$984.3
AllstateFull coverage$864.1
FarmersCommuters$1143.8
Liberty MutualFamilies$2593.8
GEICOOutdoor enthusiasts$804.3
TravelersCollege students$1114.3
NationwideLuxury car owners$1484.1
KemperHigh-risk drivers$2392.8
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo

USAA is Insurify’s top overall pick for Washington car insurance because of its combination of quality coverage, policyholder benefits, and excellent customer service. The insurer has an Insurify Quality (IQ) Score of 4.5 out of 5 and earned the highest overall score in the J.D. Power 2022 U.S. Auto Insurance Study.[2]

USAA’s rates are often lower than many other insurers, making it an affordable option for drivers of all types.

Pros
  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best cheap car insurance in Washington: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$82/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$167/mo

American Family’s commitment to affordable rates and excellent coverage options makes it the best cheap car insurance in Washington. The company has a 4.3 IQ Score.

You’ll also find a variety of discounts to help you save even more on your policy. However, the J.D. Power 2022 U.S. Auto Insurance Study ranked American Family below average in overall customer satisfaction.[2]

Pros
  • High rates of customer satisfaction

  • Numerous discount and coverage options

Cons
  • Only available in 18 states

  • Rates are merely moderate compared to other insurers

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review

Most affordable car insurance in Washington: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo

State Farm is the most affordable car insurance in the Evergreen State. When getting a quote, make sure to ask about discounts to reduce your premiums. You don’t have to sacrifice quality for good rates — the company’s 4.4 IQ Score shows it has a commitment to customer satisfaction and reliability.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best for full coverage: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$72/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo

Allstate ranks as Insurify’s best choice for full coverage in Washington. A typical full-coverage policy includes liability, collision, and comprehensive protection. But with Allstate, you can customize your policy to include new-car replacement, repair provision coverage, and loan or lease gap protection.

Allstate boasts an IQ Score of 4.2, making it a compelling choice for those who want full coverage at an affordable price.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Best for commuters: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$195/mo

Farmers is a top choice for commuters in Washington, according to Insurify research. The company offers an ideal combination of coverage to suit drivers on the go, such as accident forgiveness, roadside assistance, and new-car replacement coverage. With an IQ Score of 3.8, you’ll get reliable coverage that won’t weigh you down.

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

For over a month, I have been trying to get just two vehicles on my policy, and they can’t get it right. And they are impossible to get ahold of. Very frustrating.

Joel - December 1, 2023
Verified

As a company, they were wonderful, but they jacked up their rates so high for me to stay with them. They require you to pay two months in advance, which is $500, which was out of my price range. I just don’t understand why they do that.

jessica - November 27, 2023
Verified

They treated me well.

Karen - November 21, 2023
Verified
Read our Farmers review

Best for families: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$129/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$142/mo

Car insurance from Liberty Mutual is an easy choice for Washington families. Not only does it offer a multi-car discount for households with multiple vehicles, but it also provides a discount for teen drivers and good students.

With an IQ Score of 3.8, Liberty Mutual offers quality coverage and peace of mind for families on the road.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
Read our Liberty Mutual review

Best for outdoor enthusiasts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$136/mo

If you’re an outdoor enthusiast, GEICO is a great option for Washington car insurance. The company offers off-road vehicle insurance for ATVs, RVs, boats, and motorcycles. GEICO has an IQ Score of 4.3 and offers outstanding coverage.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best for college students: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$112/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$228/mo

If you’re a college student in Washington, Insurify recommends Travelers car insurance. You can access a range of discounts specifically for students, and the Responsible Driver plan can keep your rates steady if you’re in an accident or commit a minor moving violation.

Travelers has an IQ Score of 4.3, making it a competitive option for college students looking for affordable coverage.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Best for luxury car owners: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$81/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$141/mo

Insurify’s choice for luxury car insurance in Washington state is Nationwide. Through original equipment manufacturer (OEM) parts and agreed-value coverage, the company can restore your luxury cars to their original specifications if you’re in an accident. The company takes the wheel on coverage for your high-end vehicles, with an IQ score of 4.1.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

I am happy with Nationwide.

James - November 5, 2023
Verified

They were there for me when I needed them.

shane - October 30, 2023
Verified

After 50+ years with NW, I don’t feel there is personalized contact.

Paula - October 4, 2023
Verified
Read our Nationwide review

Best for high-risk drivers: Kemper

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
748
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-

Kemper is Insurify’s top choice for high-risk drivers. You can purchase insurance even if you had trouble getting coverage in the past. The company also offers SR-22 insurance if you need it. However, Kemper has an IQ Score of 2.8 and had the highest average rates overall.

Pros
  • High ratings from A.M. Best and the Better Business Bureau

  • Coverage for high-risk drivers

Cons
  • Policies only available for purchase through agents

  • High incidence of customer complaints

I had no issues with Kemper until my rates started rising.

Richard - August 5, 2023
Verified

Flexibility.

Mariana - June 15, 2023
Verified

Poor communication; did not answer email about setting up auto payments

Jeffrey - January 29, 2023
Verified
Read our Kemper review

How Insurify’s experts used internal proprietary data to rate top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from the company’s partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

The data included on this page represents averages across all ages, genders, credit scores, and Washington driver profiles.

How to shop for the best car insurance in Washington

Drivers should consider a company’s financial stability, prices, coverage options, and more when they shop for insurers in Washington.

“When shopping for insurance coverage, we recommend consumers look for the most robust coverage for the best price,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute (III). “It’s also important to consider an auto insurer’s financial stability and customer service record. You want to make sure your insurer has the ability to pay claims and will quickly take care of you when you suffer a loss.” 

Here’s how to get coverage that meets your needs and keeps your wallet happy:

  1. Assess your coverage needs. Determine what coverage you need based on your car’s value and your driving habits.

  2. Compare rate quotes. Get quotes from multiple insurance companies and compare them to find the best rates and coverage.

  3. Check the company’s financial stability. Look up the company’s financial ratings to ensure it’s financially stable and able to pay out claims.

  4. Research the company’s reputation. Read customer reviews and check the company’s ratings with organizations like J.D. Power and the Better Business Bureau.

  5. Review discounts. Review discounts the company offers to help lower your premiums.

  6. Understand policy details. Review the policy carefully to make sure you understand what your coverage includes and what it doesn’t.

Learn More: How to Switch Your Car Insurance in 6 Easy Steps

Learn More: How to Switch Your Car Insurance in 6 Easy Steps

How to get the cheapest car insurance in Washington

Several factors can influence the cost of car insurance in Washington, including your driving history, the type of car you drive, where you live, and your credit score.[1]

Here are some tips to help you get lower premiums:

  • Shop around. Gather quotes from multiple insurance companies to find the best rates.

  • Adjust coverage limits. Consider adjusting your policy limits, deductibles, and add-ons to find a balance between affordability and protection.

  • Look for discounts. Ask about discounts for good driving habits, vehicle safety features, and bundling policies.

  • Maintain good credit. Keeping a good credit score can often lead to lower insurance rates.

  • Drive safely. Avoid accidents and traffic violations to maintain a clean driving record.

  • Consider a cheaper vehicle. Driving an older-model car can be less expensive to insure.

Minimum car insurance requirements in Washington

All motor vehicles operating or parked on Washington’s roads must carry insurance. You must carry proof of insurance in your car at all times and have the proof available when:

  • Law enforcement requests it

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington are:[3]

Coverage TypeMinimum Amount
Bodily injury (per person)$25,000
Bodily injury (per accident)$50,000
Property damage$10,000

“These minimums are on par with many other states but can leave you financially vulnerable if you are involved in a serious at-fault accident,” says Friedlander. “For a much greater level of protection, insurance professionals recommend limits of $100,000 per person, $300,000 per accident, and $100,000 for property.”

Liability-only vs. full-coverage insurance in Washington

Washington requires drivers to have minimum liability auto insurance to cover damages or injuries they might cause to others. Choosing a liability-only policy may make sense if you have an older car, are on a tight budget, or have a solid emergency fund to pay for repairs or replacement costs out of pocket.

To increase your protection, consider full-coverage insurance. It includes collision for damage an accident causes to your vehicle as well as comprehensive coverage for theft, vandalism, or natural disasters. Full coverage is a good choice when you have an expensive or new car, are financing or leasing the vehicle, or just want peace of mind.

Here’s a look at the cheapest auto insurance in Washington by policy type. Note that rates vary considerably from one insurer to the next. For instance, State Farm offers the cheapest rates for liability and full-coverage policies. You’ll pay 50% more for the same coverage from The General and nearly 300% more for liability insurance from Liberty Mutual.

Car Insurance CompanyAverage Monthly Quote: Liability Only

Average Monthly Quote:

Full Coverage

State Farm$65$100
USAA$66$102
GEICO$80$123
Allstate$86$132
American Family$98$151
Travelers$111$141
Farmers$114$176
Safeco$118$152
The General$140$208
Midvale Home & Auto$145$199
Nationwide$148$153
Bristol West$155$257
Dairyland$181$329
Direct Auto$196$193
Kemper$239$349
Liberty Mutual$259$206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Washington

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Washington car insurance rates by driving and accident history

Driving history can greatly affect car insurance costs. If you receive speeding tickets, have a driving under the influence conviction, or have an at-fault accident, your insurance rates can go up because you present a higher risk to the insurance company.[4] In Washington, an at-fault accident can increase your rates by 43% and a DUI can increase your rates by almost 100%, so it’s in your best interest to avoid violations and collisions.

Here’s a look at average monthly quotes for the cheapest car insurance in Washington based on driving and accident history.

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
State Farm$100$143$199$134
USAA$102$146$203$137
GEICO$123$176$244$165
Allstate$132$189$263$177
Travelers$141$202$281$189
American Family$151$215$300$202
Safeco$152$217$301$203
Nationwide$153$219$304$205
Farmers$176$251$350$235
Direct Auto$193$276$384$259
Midvale Home & Auto$199$285$396$267
Liberty Mutual$206$294$409$275
The General$208$297$413$278
Bristol West$257$368$511$344
Dairyland$329$470$655$441
Kemper$349$499$695$468
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

SR-22 insurance in Washington

Following a conviction, failure to pay judgments, or being involved in an accident, you might need to carry SR-22 insurance. However, it isn’t a policy type — it’s a certificate that proves you meet the state-minimum liability requirements. You typically need to have the form on file with the state for three years starting on the day you reinstate your license.[5]

If you need SR-22 coverage in Washington, you can find it at GEICO, State Farm, and Nationwide.

Keep Reading: How Long Does a DUI Stay on Your Record?

Keep Reading: How Long Does a DUI Stay on Your Record?

Washington car insurance quotes by credit tier

Car insurance companies in Washington can use credit scores to set rates. Your credit-based insurance score determines how likely you are to file a claim.[6] Excellent or good credit scores mean fewer claims, while poor credit scores indicate a higher risk to the insurance company.

“Drivers with lower scores tend to have a higher risk of at-fault accidents. So, the higher your score, most likely the better your rate will be,” says Friedlander.

Car insurance quotes in Washington cities

Car insurance rates can change depending on where in Washington you live. A city’s population density, crime rate, and accident statistics can influence your premiums.[1] The most expensive cities for car insurance typically have more people, more crime, and more accidents.

The two tables below illustrate how differences in population, accident rates, and other location-related factors can affect car insurance costs. The first table shows the cheapest cities in the state. For example, Yakima — which has a population of around 96,968 — has average insurance rates that are 19% less than the state average. 

CityAverage Monthly QuoteCompared to State Average
Yakima$159-19%
Spokane$161-19%
Olympia$170-14%
Vancouver$195-1%
Bellevue$2138%
Everett$2159%
Puyallup$22112%
Kent$22413%
Tacoma$22615%
Renton$22715%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

The following table shows the most expensive cities for car insurance in Washington. While Federal Way has a similar sized population — around 99,000 — than Yakima, it has a higher rate of accidents. Federal Way saw 2,075 reported accidents in 2022, while much larger Yakima had just 1,883, according to state data.[7]

CityAverage Monthly QuoteCompared to State Average
Federal Way$26333%
Auburn$25127%
Seattle$23418%
Renton$22715%
Tacoma$22615%
Kent$22413%
Puyallup$22112%
Everett$2159%
Bellevue$2138%
Vancouver$195-1%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Washington car insurance rates by driver age

Age can further influence how much you pay for auto coverage. Younger drivers pay higher rates, as they tend to have more accidents. Fatal crash rates are almost 200% higher for teen drivers than drivers aged 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[8] As you age, your risk and rates generally decrease.

Here’s how age can affect insurance rates in Washington. On average, teens pay 131% more for coverage than drivers in their 30s, while people in their 60s typically have the lowest rates.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Washington car insurance FAQs

If you’re looking for car insurance, here are some frequently asked questions you might find helpful. For more information on shopping for car insurance, check out Insurify’s guide on how to switch your car insurance.

  • Who has the cheapest car insurance in Washington?

    State Farm, USAA, and GEICO are the cheapest insurers, with rates ranging from $65 to $80 for liability coverage. These companies are also the cheapest for full coverage. Comparing multiple quotes can help you find the cheapest car insurance in Washington.

  • What is the required car insurance coverage in Washington?

    In Washington, you legally need at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.[3] These figures are similar to car insurance limits in other states, but if you’re in an accident, you may be financially responsible for damages and injuries that exceed these limits.

  • What are the best car insurance companies in Washington?

    For the best car insurance in Washington, look to USAA, State Farm, American Family, and GEICO. These companies are financially sound and have high IQ Scores, while also offering the lowest average cost for liability coverage in the state. State Farm is the cheapest, at $65 per month on average for liability-only coverage.

  • How does credit score affect car insurance premiums in Washington?

    Washington car insurance companies can include driver credit scores when determining the risk of a driver. Insurers often offer lower rates to those with higher credit scores and may charge drivers with lower credit scores higher rates, regardless of their driving record.

  • Is Washington a no-fault state?

    No. Washington is an at-fault state. This means the person who caused the accident is responsible for paying for the damages. If you’re in a car accident in Washington, your insurance company determines who is at fault before covering damages.[9]

Insurify Insights

How Washington Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Washington below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Washington drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Washington

#8

State with the Most Speeding Tickets Rank

#11

State with the Moving Violations Rank

#25

State with the Most DUIs Rank

#31

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Washington is the #9 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #9
    • Percent of drivers in Washington with an accident: 10%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington is the #25 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #25
    • Percent of drivers in Washington with a DUI: 1.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Washington is the #14 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #14
    • Percent of drivers in Washington with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Washington is the #10 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #10
    • Percent of drivers in Washington with a rude driving violation: 2.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Washington is the #8 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #8
    • Percent of drivers in Washington with a speeding ticket: 11%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington is the #7 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #7
    • Percent of drivers in Washington with a failure to yield violation: 0.3%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed April 20, 2023
  2. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed April 20, 2023
  3. Washington state Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law." Accessed April 20, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed April 20, 2023
  5. Washington Department of Licensing. "Financial responsibility (SR-22)." Accessed April 20, 2023
  6. NAIC. "Credit-Based Insurance Scores." Accessed April 20, 2023
  7. Washington State Department of Transportation. "Accident Reporting Database." Accessed April 28, 2023
  8. Insurance Institute for Highway Safety. "Fatality Facts 2020 Teenagers." Accessed April 20, 2023
  9. Nolo. "Washington Mandatory Auto Insurance Law." Accessed April 20, 2023
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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