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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Finding the right car insurance policy can be challenging. Every driver has different priorities, so there’s no single best option for everyone. We analyzed 50 car insurance companies to help you find the best car insurance companies in Washington.
You have plenty of insurers to choose from when shopping for a new auto policy, but you should find one that fits your needs. We determined the five best car insurance companies in Washington based on their average rates, discounts, customer satisfaction, and other factors.
| 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. | 9.3 /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. | $58/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. | $115/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has some of the cheapest car insurance rates in Washington. It also ranked second in the Northwest for overall customer satisfaction, according to the J.D. Power 2024 U.S. Auto Insurance Study.[1]
The company has a large network of local agents, so you’ll find personal service almost everywhere in the state. In addition to its already low rates, State Farm offers its telematics program, Drive Safe & Save, which could help you save up to 30% on your insurance.
Ranked second for customer satisfaction in the Northwest by J.D. Power
Extensive local agent network
Save up to 30% with Drive Safe & Save
Doesn’t offer gap insurance
Fewer discounts than other insurers
May have to speak to an agent to sign up for a policy
| 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 |
|---|---|
| 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. | 8.3 /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. | $83/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. | $144/mo |
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Direct Auto offers some of the lowest rates for Washington drivers, though it has higher rates for teens and seniors. Direct Auto also covers high-risk drivers, including those who need SR-22 certificates. And with its customizable payment options, you can pick your due date and choose from several different installment plans.
Low rates for most Washington drivers
Coverage for high-risk drivers
Flexible payment options
Higher rates for teens and seniors
Few additional coverage options
High number of customer complaints with the National Association of Insurance Commissioners (NAIC)[2]
| 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. | 9.2 /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. | $99/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. | $153/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO offers more discounts than other insurers, making it a great option for drivers who want more ways to save money. While GEICO already offers affordable rates for most Washington drivers, it stands out for its low rates for teens and seniors. GEICO also offers accident forgiveness, which you can get for free if you haven’t filed a claim in the past five years.
Offers many discounts
Low rates for teens and seniors
Offers accident forgiveness
Doesn’t offer gap insurance
Below-average customer satisfaction ranking in the Northwest by J.D. Power
Few local agents in Washington
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $77/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. | $152/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate offers more usage-based discounts than most insurers. Safe drivers are eligible for a discount with Drivewise, Allstate’s telematics program. You can also save money if you don’t drive that often with Allstate’s pay-per-mile insurance, Milewise.
Allstate has plenty of other rewards and savings opportunities. With accident forgiveness, your rates won’t go up after an accident. And its Deductible Rewards program can help you earn money for each year you’re accident-free.
Savings for safe and low-mileage drivers
Offers accident forgiveness
Deductible Rewards for safe drivers
Below-average customer satisfaction ranking in the Northwest by J.D. Power
Must purchase gap insurance when you buy your vehicle
Fewer coverage options than some insurers
| 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. | 9.1 /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. | $60/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. | $117/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA offers auto insurance and a full suite of other financial services, but they’re only available to current and former military families. The company has some of the highest claims and customer satisfaction rankings in the industry, according to the latest J.D. Power studies.
USAA has low rates for most Washington drivers but especially competitive rates for teen drivers. It also has usage-based programs for safe and low-mileage drivers, helping you save even more.
Ranked highly for customer satisfaction in the Northwest by J.D. Power
Savings for safe and low-mileage drivers
Low rates for teen drivers
Many NAIC complaints
Fewer coverage and discount options
Available only to military families
Our editorial team analyzed regional and national auto insurance companies that sell policies in Washington to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
When shopping for car insurance, you should feel confident you’re making the right choice. Here are a few tips to help you find the best car insurance in Washington.
Everyone’s coverage needs vary depending on their vehicle, risk tolerance, and unique situation. Before you shop for insurance, consider the coverage you need. You may want liability-only insurance or prefer full coverage that includes comprehensive and collision coverage. You should also decide if you want extras like accident forgiveness or new car replacement.
When you’re choosing coverage, make sure you understand your coverage limits. While you’re only required to have Washington’s state minimum coverage, most drivers benefit from more coverage.
Knowing what other drivers think about a particular insurance company can be helpful. You can read customer reviews on sites like the Better Business Bureau, Trustpilot, Insurify, and more.
You can also research what third-party companies are saying about insurers. J.D. Power, AM Best, and the NAIC rank companies based on customer satisfaction, financial strength, number of complaints, and more.
Discounts are an easy way to save money on your insurance. Many companies offer more than a dozen discounts — including safe driving, good student, and loyal customer discounts. Most insurers list discounts online, so you should check their websites to narrow your options.
Insurance premiums vary significantly between companies. One insurer might have the cheapest premiums for certain drivers but more expensive rates for others. Before you purchase coverage, compare quotes from several companies to find the cheapest option.
The average cost of car insurance in Washington is $127 per month. Drivers pay an average rate of $93 per month for liability insurance and $161 per month for full coverage.
Washington drivers’ insurance premiums are cheaper than the national average despite some risk factors, like a high rate of uninsured drivers. But the state’s low population density and minimum insurance requirements help keep premiums low.
Compare rates from leading insurers
You should be sure you’re making the right decisions when shopping for car insurance. We’ve answered a few common questions to help you find the best car insurance in the state.
Washington drivers pay an average of $127 monthly for car insurance. The average cost for liability-only coverage is $93 per month, while full-coverage insurance costs $161.
Washington’s best car insurance companies include State Farm, Direct Auto, GEICO, Allstate, and USAA. But the right insurer for you depends on factors like your budget, driving history, and demographics.
Washington state drivers must have at least $25,000 per person and $50,000 per accident of bodily injury liability insurance, and at least $10,000 of property damage liability insurance.[3] Remember that this coverage provides only minimal protection — you could have high out-of-pocket costs if you’re in an accident.
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Featured in
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
