Best Car Insurance in Washington (2026)

State Farm, USAA, and GEICO are three of our top picks for the best car insurance companies in Washington state.

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4.7 / 518K reviews
Jessica Martel
Writer: Jessica MartelInsurance Writer

Qualifications:
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor


Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 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.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Best car insurance companies in Washington

Shopping for car insurance can feel overwhelming, especially with so many quality insurers in Washington. To help you narrow your options, Insurify analyzed 120+ car insurance companies to determine the best car insurance companies in Washington.

The following companies offer affordable average premiums, strong customer service and customer claims satisfaction, plus a wide range of coverage options and discounts.

State Farm: Best overall

User Reviews
4.1
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.
$116/mo
Details
4.1
Best choice in WashingtonBased on 21,519 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.72.9
Policy transparency3.93.1
Value3.82.9
How drivers feel about State Farm

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.

Based on analysis of verified reviews collected by Insurify

Best in Washington for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Washington driversSee all 8,269 State Farm reviews
Dethose
Verified Review
The premium is very high compared to other providers
The premium is very high.
Lance
Verified Review
Expensive
I’d prefer to pay a lower price for the insurance I’m getting from State Farm. Please provide a better quote than $299 a month for liability.
Joseph
Verified Review
Average
Too expensive.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Why we picked this company

State Farm is our top pick overall in Washington. It offers some of the cheapest rates in the state, strong customer and claims satisfaction, and a variety of discounts to help you save. In addition to strong financial strength, State Farm offers a wide network of local insurance agents and exceptional customer service, earning JD Power’s top spot for customer satisfaction in the Northwest region.

Pros
  • Some of the cheapest rates in Washington

  • Above-average JD Power claims satisfaction rating

  • Top JD Power customer satisfaction rating in the Northwest region

Cons
  • Low Trustpilot score

  • No accident forgiveness coverage

  • No gap insurance

USAA: Best for military members 

User Reviews
4.4
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.
$118/mo
Details
4.4
Best choice in WashingtonBased on 4,363 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.33.2
Customer service4.33.6
Discounts4.12.9
Policy transparency4.23.1
Value4.12.9
How drivers feel about USAA

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.

Based on analysis of verified reviews collected by Insurify

Best in Washington for
Members of the military community
Outstanding customer service
Competitive rates
Showing 11 reviews from Washington driversSee all 1,733 USAA reviews
Lisa
Verified Review
I Have Never Had a Problem
I have never had a problem.
Ronald
Verified Review
Mostly satisfied
Not all phone representatives are experienced. If you're not satisfied, call back and try again.
Robert
Verified Review
USAA Auto Insurance
Best price for the coverage I want.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
Why we picked this company

USAA specializes in insurance for military members, veterans, and their family members. With nearly 500,000 veterans and an estimated 581,000 military family members in the state, many Washington drivers could benefit from USAA’s military-focused coverage and discounts.[1]

Pros
  • Above-average JD Power claims satisfaction score

  • Above-average JD Power customer satisfaction rating in the Northwest region

  • Save up to 30% for safe driving with USAA SafePilot

Cons
  • Available only to members of the military community

  • Low Trustpilot score

  • No physical location in Washington state

GEICO: Best for teens and young drivers

User Reviews
4.1
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.
$88/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.
$148/mo
Details
4.1
Best choice in WashingtonBased on 21,177 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.82.9
Policy transparency4.03.1
Value3.82.9
How drivers feel about GEICO

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.

Based on analysis of verified reviews collected by Insurify

Best in Washington for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Washington driversSee all 8,327 GEICO reviews
Carlos
Verified Review
Great Company
Great prices and full coverage.
Ashok
Verified Review
Car insurance is fine, but the home insurance through GEICO’s home site insurance is terrible and not reliable. Their adjusters aren’t honest—some approve the claim and then back out, saying your claim isn’t covered. Some of them said it was a home construction problem. I don’t know how they can say that, because it feels like they just don’t want to pay the claim. When they gave me insurance, everything was fine, but when there was a small problem, they backed out and started making up different stories.
Car insurance is fine, but the home insurance through GEICO’s home site insurance is terrible and not reliable. Their adjusters aren’t honest—some approve the claim and then back out, saying your claim isn’t covered. Some of them said it was a home construction problem. I don’t know how they can say that, because it feels like they just don’t want to pay the claim. When they gave me insurance, everything was fine, but when there was a small problem, they backed out and started making up different stories.
Koron
Verified Review
Just Terrible
It’s way too high for coverage, and they’re not a good auto insurance company.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
Why we picked this company

Whether you have a teen in high school or a young driver attending the University of Washington or a college out of state, you can save with GEICO.

Full-time students who maintain good grades can save up to 15% on certain coverages with the company’s good student discount. And if your young driver attends school away from home and doesn’t bring a car, you might also save with its student away-at-school discount.

Pros
  • Competitive rates for teens and young drivers

  • Above-average JD Power customer satisfaction rating in the Northwest region

  • Wide range of discounts

Cons
  • Below-average JD Power claims satisfaction score

  • Limited number of local agents in Washington

  • Low Trustpilot score

Progressive: Best for safe and low-mileage drivers

JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
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.
8.7 /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.
$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.
$151/mo
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Washington for
Competitive rates
Easy buying process
Telematics program
Showing 67 reviews from Washington driversSee all 9,255 Progressive reviews
Michele
Verified Review
Savings on a Monthly Basis
Shop around.
Anabel
Verified Review
Called my broker, and she beat the online quote. She made it so much easier!
I did a quote with the company online, then called my broker and got it for a few dollars less than the online quote.
Brian
Verified Review
Fair and Understanding
After a few discussions, I was able to obtain coverage that fit my needs at a fair premium cost.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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+
Why we picked this company

Safe drivers in Washington can take advantage of multiple discounts with Progressive. Save with an automatic discount for three years of driving without an accident. You can earn additional discounts for being crash-free for five years or for not filing a claim for five years.

Drivers can also sign up for Snapshot, a usage-based insurance program that allows you to pay based on how much you drive and your driving habits.

Pros
  • A+ (Superior) financial strength rating from AM Best

  • Highly rated mobile app

  • Wide range of discounts

Cons
  • Below-average JD Power claims satisfaction score

  • Below-average JD Power customer satisfaction rating in the Northwest region

  • Low Trustpilot rating

Allstate: Best for rideshare drivers

User Reviews
4.1
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.
$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.
$167/mo
Details
4.1
Best choice in WashingtonBased on 12,477 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options4.13.2
Customer service4.13.6
Discounts3.82.9
Policy transparency4.03.1
Value3.72.9
How drivers feel about Allstate

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.

Based on analysis of verified reviews collected by Insurify

Best in Washington for
Accident forgiveness
Wide availability
Cheap rates
Showing 39 reviews from Washington driversSee all 4,781 Allstate reviews
Jerald
Verified Review
Average
Too expensive, and you don’t reward good drivers.
William
Verified Review
Average
Lacking. Everything was done by text or email. I never spoke with or met my agent.
Kathryn
Verified Review
Shop Around
I would tell a friend to shop around for the best insurance quote. Allstate’s premium is high and keeps rising. They are good when it comes to claims.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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-
Why we picked this company

Washington state has a large number of rideshare drivers who can take advantage of Allstate’s rideshare insurance coverage. If you drive for Uber, Lyft, or another transportation network service, you can apply for Allstate’s Ride for Hire coverage to protect your vehicle while you’re waiting for a ride request or once you’ve picked up a customer.

Pros
  • A+ (Superior) financial strength rating from AM Best 

  • Network of local agents

  • Save with Drivewise telematics program

Cons
  • Below-average JD Power claims satisfaction score

  • Below-average JD Power customer satisfaction rating in the Northwest region

  • Low Trustpilot score

How we chose the best car insurance companies in Washingtonexpand/collapse

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.

Average cost of car insurance in Washington

The average cost of auto insurance in Washington is $95 per month for liability-only coverage and $184 for full coverage. Rates in Washington are similar to the national monthly averages of $99 for liability-only coverage and $187 for full coverage. 

Several factors can help explain Washington’s lower-than-average car insurance rates, including the state’s relatively low liability requirements of 25/50/10 compared to high-requirement states such as North Carolina, which requires 50/100/50.

While Washington’s car insurance premiums are less than rates in many other states, rates are projected to increase by 4% ($86) in 2026, according to a recent Insurify report. In June 2026, the average annual rates were $2,196. By December, average rates are projected to be $2,218.

Find Cheap Car Insurance in Washington

Liability policies average $95/mo.

Excellent
4.7 out of 5 based on 18,097 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

How to get the best car insurance in Washington

To find the best car insurance for your needs and budget, consider the following tips:

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    Choose the right amount of coverage

    Minimum car insurance requirements in Washington include $25,000 per person and $50,000 per accident in bodily injury liability, and $10,000 in property damage liability coverage.[2] You might consider higher policy limits for more protection.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Consider additional coverage options

    To protect your vehicle from common Washington weather events, including flooding and windstorms, as well as theft or vandalism, consider adding comprehensive coverage. If you lease or finance your vehicle, your lender might require you to purchase a full-coverage policy, which includes comprehensive and collision coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    Improve your credit score

    Washington insurance companies can use your credit information as one factor when determining your premiums.[3] A high credit score can result in lower premiums.

  • illustration card https://a.storyblok.com/f/162273/150x150/42a396bd18/credit-and-loan-96x96-green_033-discount.svg

    Apply for discounts

    When comparing companies, ask which discounts you might qualify for. For example, State Farm offers a defensive driving discount to eligible Washington drivers who are 55 years and older and have completed a course approved by the Department of Licensing. You might also find opportunities to save when you bundle policies, practice safe driving, or pay your premiums in full.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare quotes from multiple companies

    Since rates can vary between insurers, get multiple car insurance quotes and compare companies on coverage options and discounts before you make a decision.

Best car insurance in Washington FAQs

The best car insurance in Washington depends on factors like your individual needs, risk tolerance, and budget. Here’s more information to help you decide which auto insurer is right for you.

Which car insurance is the best in WA?

Some of the best car insurance companies in Washington include State Farm, USAA, and GEICO. But the best car insurance for you will depend on your individual needs and budget.

How much is the average car insurance premium in Washington state?

The average cost of car insurance in the Evergreen State is $95 per month for liability coverage and $184 for full coverage, according to Insurify data. But rates in Washington depend on many factors, including your age, location, vehicle, and the deductible and coverage options you choose.

What is the best car insurance in Washington for drivers with a DUI?

State Farm offers the lowest average car insurance rates to Washington drivers with a conviction for driving under the influence (DUI), with an average liability rate of $81 per month. But shopping around can help you find the best rate for high-risk drivers or SR-22 insurance if the state requires it after your conviction.

What are the top-rated car insurance companies in Washington state?

State Farm, USAA, and GEICO are some of the top-rated car insurance companies in Washington state. These companies receive some of the best scores on JD Power’s Customer Satisfaction and Customer Claims Satisfaction Studies. They also receive high Insurance Quality (IQ) Scores from Insurify. Insurify IQ Score analyzes 19 criteria, including verified customer reviews, to rate and review the best car insurance companies.

Sources

Jessica Martel
Writer: Jessica MartelInsurance Writer

Qualifications:
  • 7+ years in personal finance writing

  • Certified Financial Education Instructor


Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.

Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.

She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 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.