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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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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 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.
Some of the cheapest rates in Washington
Above-average JD Power claims satisfaction rating
Top JD Power customer satisfaction rating in the Northwest region
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 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
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 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]
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
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 |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
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.
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.
Competitive rates for teens and young drivers
Above-average JD Power customer satisfaction rating in the Northwest region
Wide range of discounts
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 |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
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.
A+ (Superior) financial strength rating from AM Best
Highly rated mobile app
Wide range of discounts
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 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
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.
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.
A+ (Superior) financial strength rating from AM Best
Network of local agents
Save with Drivewise telematics program
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 Washington
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.
How to get the best car insurance in Washington
To find the best car insurance for your needs and budget, consider the following tips:
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.
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.
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.
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.
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
- Washington State Department of Veterans Affairs. "Statistics."
- Washington State Department of Licensing. "Mandatory insurance."
- Washington Office of the Insurance Commissioner. "Credit scores and insurance."
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