Cheapest Auto Insurance in Washington (2024)
Direct Auto has the cheapest liability insurance in Washington, with rates as low as $50 per month.
Excellent
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Written byEmily Guy Birken
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Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
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 November 4, 2024
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Table of contents
Drivers in Washington state pay slightly less for car insurance than the national average. Liability insurance in the Evergreen State costs an average of $76 per month, while the national average is $104 per month.
The relatively low average cost of insurance isn’t surprising, considering Washington has a low population density of 116 people per square mile.[1] Drivers in areas with higher population density typically face a higher risk of vehicle accidents and property damage.
Here’s what drivers in Washington state need to know about comparing auto coverage options and finding the best insurance coverage at the right price.
Quick Facts
Direct Auto, State Farm, and USAA have the cheapest liability coverage in Washington.
The average cost of full-coverage insurance in Washington is $161 per month, which is lower than the national average of $211.
Washington has the 12th-highest percentage of uninsured drivers in the country, at 16.5%.[2]
3 of the cheapest car insurance companies in Washington
The cheapest car insurance company will look different for each driver because insurers use a variety of factors to determine your car insurance rates, including your driving history, marital status, ZIP code, credit-based insurance score, location, coverage level, and vehicle.
The best way to find the right insurance company for you is to compare quotes from multiple insurers. State Farm, USAA, and GEICO have some of the lowest average rates in Washington, so you may want to begin your search with these companies.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $118 | $53 | Cheap rates |
| USAA | 9.4 | $121 | $54 | Military members and veterans |
| GEICO | 9.0 | $145 | $65 | Discounts |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $53/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. | $118/mo |
4.2
Best choiceBased on 8898 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,892)
James T
November 3, 2024
Verified Review
Overpaying
Too expensive.
Daniel
November 3, 2024
Verified Review
High Prices
I believe this company charges too much for their services.
Pasquale
November 3, 2024
Verified Review
Excellent
Very good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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++Why we picked this company
State Farm is the largest auto insurance company by market share.[3] Not only does the company offer affordable rates and a variety of discounts, but it also has a robust list of coverage options, including car rental and travel expenses, roadside assistance, medical payments, and rideshare coverage.
State Farm also ranks above the regional average for customer satisfaction in the Northwest, according to the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
Offers rideshare coverage
Discount programs specifically tailored to young drivers
Cons
Doesn’t offer gap insurance
Must purchase a policy through State Farm agent
Best for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $121/mo |
4.9
Best choiceBased on 1580 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (899)
Scott
November 2, 2024
Verified Review
Stay with USAA
The service is great, but it's getting expensive.
Troy
October 31, 2024
Verified Review
Watch the Amounts Change
They change their rates too much after you start policies. Safe Pilot always messed up, keep losing discount. Had to call every month.
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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++Why we picked this company
USAA has been serving members of the military and their families for more than 100 years. The Evergreen State has a high veteran population, with around 500,000 veterans. USAA provides a high level of customer service, and the company has the highest score on the J.D. Power 2023 U.S. Auto Insurance Study in the Northwest region.
Pros
Has usage-based insurance options
Offers banking and investment products in addition to insurance
Cons
No gap insurance
Only available to military members, veterans, and their families
Best for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $65/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. | $145/mo |
4.0
Best choiceBased on 10172 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,597)
Keith
November 3, 2024
Verified Review
High Cost at Geico
It's a little pricey.
Willie
November 3, 2024
Verified Review
Geico
Too expensive.
Gloria
November 2, 2024
Verified Review
Discount Please?
I drive less than 50 miles a week. Why is my rate so high? I am 74 years old.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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++Why we picked this company
Budget-conscious Washington drivers may want to check out GEICO auto insurance. GEICO has a wide variety of discount options. According to the insurer’s own estimation, each discount could save drivers upwards of 25%. And with the large list of discounts available, drivers can potentially stack multiple discounts on top of each other for more savings.
Pros
Award-winning mobile app and website
Many available discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Northwest region
Limited agent network
How to get the cheapest car insurance in Washington
Finding cheap car insurance isn’t like other types of comparison shopping. The cheapest companies won’t be the same for every driver because each insurer bases your rates on a variety of factors, including the type of coverage you choose, your driving record, and your vehicle, as well as your age, gender, marital status, and location.
Customers can potentially lower the cost of their insurance policy by using these strategies:
Drive safely. A clean driving record is one of the most effective methods of keeping your rate low.
Bundle insurance products. The best auto insurance companies often offer other types of insurance, like homeowners insurance, life insurance, business insurance, and umbrella insurance. Getting all your necessary insurance coverage through a single insurer will often unlock money-saving discounts.
Increase your deductible. Your deductible is the money you’re responsible for paying before your coverage pays for a claim. A higher deductible means paying lower premiums — although you want to make sure you have enough money to cover the higher deductible in case of a car accident. Remember, you’ll have to pay the deductible before the insurance company pays for your property damage.
Find Cheap Car Insurance in Washington
Liability quotes start at $50 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Washington: Direct Auto
Liability-only car insurance is the minimum coverage you need to drive legally in Washington. This car insurance policy includes bodily injury liability and property damage liability coverage. Liability-only car insurance pays for medical expenses stemming from an accident you caused and pays to repair or replace the other party’s damaged property.
Washington drivers pay an average of $76 per month for liability insurance. The following insurance companies offer the best car insurance at the lowest prices for drivers looking for liability-only coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $50 |
| State Farm | $53 |
| USAA | $54 |
| GEICO | $65 |
| Allstate | $70 |
| Safeco | $75 |
| American Family | $80 |
| National General | $81 |
| Nationwide | $82 |
| Chubb | $89 |
| Farmers | $93 |
| The General | $94 |
| Travelers | $109 |
| Foremost | $118 |
| Dairyland | $123 |
| Bristol West | $129 |
| Liberty Mutual | $150 |
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.
Cheapest full-coverage car insurance in Washington: Direct Auto
Liability-only coverage may offer the cheapest car insurance rates, but it often doesn’t offer enough coverage. Full-coverage car insurance includes the minimum liability coverage but also adds collision coverage and comprehensive coverage to your policy for vehicle protection.
Washington doesn’t require drivers to purchase full-coverage insurance, but people who drive leased or financed vehicles may have to carry this kind of insurance policy as a condition of their financing.
The average cost of full-coverage car insurance is higher than liability-only coverage. In Washington, drivers pay $161 per month for full coverage, on average.
The following companies have some of the cheapest Washington car insurance options for full-coverage policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $77 |
| Safeco | $116 |
| State Farm | $118 |
| USAA | $121 |
| National General | $131 |
| GEICO | $145 |
| Allstate | $156 |
| Liberty Mutual | $158 |
| The General | $170 |
| American Family | $178 |
| Nationwide | $183 |
| Chubb | $198 |
| Farmers | $208 |
| Travelers | $243 |
| Dairyland | $270 |
| Bristol West | $288 |
| Foremost | $325 |
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.
Cheapest recent rates in Washington
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $51/mo for full coverage in Washington.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 4, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 4, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 4, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 4, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Washington
Under state law, Washington follows a “pure comparative fault” rule. This means each party in an accident will have a degree of negligence that determines their financial responsibility in case of a lawsuit. If you cause an accident, you’re responsible for the other driver’s resulting damage and loss.[4]
Drivers in Washington state must carry a minimum level of liability insurance, including bodily injury and property damage liability. The table below shows the required minimum insurance levels.[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
You don’t need to carry more than the above coverage levels. But you can add the following types of car insurance to your policy for additional protection in case of an at-fault accident or other problems on the road:
Uninsured/underinsured motorist coverage
If you’re in an accident with an uninsured or underinsured driver, this coverage pays for your damages. Considering the high percentage of uninsured drivers in Washington state, you may want to purchase uninsured/underinsured motorist coverage.
Personal injury protection (PIP) coverage
If you incur an injury in an accident, PIP insurance covers your medical and related non-medical bills, regardless of fault.
Collision coverage
If you have an accident, collision insurance covers the cost of repairing any physical damage to your vehicle.
Comprehensive coverage
Your car is vulnerable to more than just accidents. If anything other than a collision damages your car — including animals, severe weather, or vandalism — comprehensive insurance pays to repair it.
Cheapest car insurance for drivers with an incident
If you have a clean driving history, you’re more likely to qualify for the best rates. But if you have any traffic violations on your record, such as a speeding ticket, DUI, or at-fault accident, insurers will consider you to be a high-risk driver, and you’ll generally pay higher rates.
But high-risk drivers can still find reasonable prices with the right auto insurance companies by comparing coverage options. Washington drivers with an incident on their record pay an average of $102 per month for liability coverage and $215 for full-coverage insurance.
Shop for Car Insurance in Washington
Monthly rates start at $64 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Direct Auto
Insurers are more likely to consider you a high-risk driver if you receive a speeding ticket because it shows you’re more likely to file a claim than someone who regularly follows the speed limit.
In Washington, the average premium for drivers with a speeding ticket is $236 for full coverage and $111 for liability-only coverage. If you have a speeding ticket on your driving record, start your search below for the best car insurance company for your needs. The rates below reflect liability insurance costs.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Direct Auto | $50 | $66 |
| State Farm | $53 | $70 |
| USAA | $54 | $71 |
| GEICO | $65 | $86 |
| Allstate | $70 | $93 |
| Safeco | $75 | $101 |
| American Family | $80 | $106 |
| National General | $81 | $108 |
| Nationwide | $82 | $110 |
| Chubb | $89 | $120 |
| Farmers | $93 | $122 |
| The General | $94 | $126 |
| Travelers | $109 | $145 |
| Foremost | $118 | $169 |
| Dairyland | $123 | $163 |
| Bristol West | $129 | $171 |
| Liberty Mutual | $150 | $215 |
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.
Cheapest car insurance for drivers with an at-fault accident: Direct Auto
Insurers in Washington may consider drivers with at-fault accidents on their records to be high-risk drivers because they’re more likely to make a claim. After an accident, you can generally expect to pay higher rates for your car insurance premiums — at least until you’ve re-established a clean and accident-free driving history.
The average cost of car insurance for Washington drivers with a past accident is $116 for liability and $245 for full coverage. To find the best deal on car insurance costs after an at-fault accident, check out liability rates from the following insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Direct Auto | $50 | $71 |
| State Farm | $53 | $73 |
| USAA | $54 | $75 |
| GEICO | $65 | $91 |
| Allstate | $70 | $97 |
| Safeco | $75 | $102 |
| American Family | $80 | $111 |
| National General | $81 | $113 |
| Nationwide | $82 | $115 |
| Chubb | $89 | $125 |
| Farmers | $93 | $129 |
| The General | $94 | $133 |
| Travelers | $109 | $153 |
| Foremost | $118 | $175 |
| Dairyland | $123 | $170 |
| Bristol West | $129 | $178 |
| Liberty Mutual | $150 | $223 |
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.
Cheapest car insurance for drivers with a DUI: Direct Auto
Driving under the influence (DUI) is a serious traffic offense that can endanger you and anyone else on the road. Insurers take this kind of violation very seriously. Some companies will even drop coverage for any driver convicted of a DUI since such drivers are more likely to file a claim.
In Washington, drivers with a past DUI pay $131 per month for liability insurance and $277 for full-coverage insurance, on average.
Compare liability insurance rates for drivers with clean records and people with a DUI in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Direct Auto | $50 | $84 |
| State Farm | $53 | $89 |
| USAA | $54 | $91 |
| GEICO | $65 | $110 |
| Allstate | $70 | $118 |
| Safeco | $75 | $127 |
| American Family | $80 | $135 |
| National General | $81 | $137 |
| Nationwide | $82 | $138 |
| Chubb | $89 | $150 |
| Farmers | $93 | $157 |
| The General | $94 | $159 |
| Travelers | $109 | $184 |
| Foremost | $118 | $199 |
| Dairyland | $123 | $207 |
| Bristol West | $129 | $218 |
| Liberty Mutual | $150 | $253 |
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.
Cheapest car insurance for seniors: Direct Auto
Auto insurance rates tend to decrease with age for drivers with clean records between ages 35 and 69. Rates often increase again for drivers 70 and older. Even though senior drivers have plenty of experience behind the wheel, insurance companies increase rates to reflect aging-related risk factors.
On average, senior drivers in Washington pay $53 per month for liability insurance and $113 for full-coverage insurance. Find the cheapest insurers for senior drivers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $85 | $38 |
| USAA | $89 | $40 |
| Safeco | $90 | $58 |
| National General | $93 | $57 |
| GEICO | $107 | $48 |
| Allstate | $116 | $52 |
| Liberty Mutual | $122 | $116 |
| Nationwide | $126 | $56 |
| The General | $128 | $71 |
| American Family | $128 | $58 |
| Chubb | $133 | $60 |
| Farmers | $150 | $67 |
| Travelers | $175 | $79 |
| Dairyland | $199 | $91 |
| Bristol West | $213 | $95 |
| Foremost | $238 | $86 |
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.
Cheapest car insurance for teens: USAA
Teen drivers have the highest premium rates of any age group because teenagers are new to driving and more likely to behave impulsively behind the wheel. Teens account for a disproportionate percentage of crashes and fatalities on the road.
Teen drivers can use several strategies to reduce the cost of auto insurance. Start with the tips below:
Maintain your GPA. A number of insurers provide discounts to teen drivers who get good grades.
Drive a practical car. Insurers often charge lower rates for safe cars, and parents and teen drivers can find a list of affordable cars that are suitable for new drivers on the Insurance Institute for Highway Safety website.[6]
Join your parents’ insurance policy. This will be much less expensive than if the teen driver gets their own insurance policy.
COUNTRY Financial has the lowest rates for teen drivers in the U.S., with an average cost of $46 per month for full coverage. Here are some of the cheapest options for teenage drivers in Washington.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $204 | $92 |
| USAA | $205 | $91 |
| GEICO | $233 | $105 |
| Safeco | $235 | $152 |
| National General | $261 | $162 |
| The General | $275 | $152 |
| Allstate | $279 | $125 |
| Liberty Mutual | $284 | $269 |
| American Family | $313 | $141 |
| Nationwide | $321 | $144 |
| Farmers | $369 | $165 |
| Chubb | $378 | $170 |
| Travelers | $444 | $199 |
| Dairyland | $450 | $205 |
| Bristol West | $494 | $221 |
| Foremost | $586 | $213 |
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.
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Washington car insurance quotes by credit tier
Washington State Insurance Commissioner Mike Kriedler attempted to ban insurance companies from using credit-based insurance scores to help determine premium prices in 2022, but a judge overturned the ban in the same year. This means Washington insurers can still consider your credit while setting your insurance rates.[7]
Insurers have found that drivers with poor credit are more likely to file insurance claims, while drivers with good or excellent credit are less likely to do so.
Here are the average monthly rates for full-coverage auto insurance by credit tier in Washington state.
Rates by Credit Tier
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
Before you start shopping around for auto coverage, you should determine how much car insurance you need. The following information should help you navigate the insurance-buying process in Washington.
How much is car insurance in Washington?
The average cost of car insurance in Washington is $76 per month for liability insurance and $161 for full-coverage car insurance. Ultimately, how much you pay for your auto coverage will depend on your driving record, age, chosen coverage, ZIP code, and more.
Who has the cheapest car insurance in Washington?
With a liability insurance rate of $50 per month, Direct Auto is the cheapest car insurance company in Washington. State Farm and USAA also have affordable liability insurance, at $53 and $54 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple companies.
What are the best car insurance companies in Washington?
With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and high customer satisfaction, State Farm is the best car insurance company in Washington. The average cost of car insurance from State Farm in Washington is $53 for liability insurance and $118 for full-coverage insurance. Other top insurers include USAA and GEICO.
How can you qualify for cheap car insurance in Washington?
The best way to find cheap insurance is to compare quotes from multiple auto insurance companies. You can also typically save on coverage by bundling your auto insurance with other insurance products, like life or home insurance, and qualifying for discounts. Increasing your deductibles for collision and comprehensive insurance can also decrease your premium.
What are the minimum car insurance requirements in Washington state?
Drivers in Washington state must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability coverage.
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
- 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.
Related articles
More cities in Washington
Sources
- U.S. Census Bureau. "QuickFacts Washington."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- National Association of Insurance Commissioners. "2023 Property and Casualty Market Share."
- NOLO. "Washington Car Accident Laws."
- Washington State Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law."
- Insurance Institute for Highway Safety. "IIHS, Consumer Reports update teen vehicle recommendations for 2023."
- The Seattle Times. "Washington judge overturns insurance rate credit scoring ban."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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