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Best Car Insurance Companies in Washington 2022: Quotes, Discounts

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Joe Dyton

By: Joe Dyton

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Washington is Nationwide.
  • Travelers is the cheapest insurer on average in Washington, with average rates of $157 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

There is no shortage of car insurance companies for Washington drivers to choose from. With multiple options, it’s best to explore as many as possible instead of just a few before purchasing a car insurance policy to get the best rates. The benefits of widening your search for an insurer include discovering companies that you might not be aware of that could offer you a significantly lower premium.

On average, your car insurance rates in Washington state can range from $136 to $339 per month. Your rate will depend on your driving history, your vehicle, your coverage, where you live, and your insurer. Overall, Washington drivers pay an average rate of $223 per month for car insurance.

You can use Insurify to save time looking for the best car insurance rates. Our online insurance comparison platform lets you search and compare dozens of free car insurance quotes to find cheap car insurance. Not ready to commit to a quote? Check out our car insurance estimator to get an estimate on what you should expect to pay. Let the experts help you choose the right Washington insurance company today!

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Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in WashingtonInsurify Composite Score
1Nationwide$15889
2Safeco$16586
3Liberty Mutual$25482
4Travelers$13780
5National General$16558
6The General$182Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

What is the best and cheapest car insurance in Washington?

In Washington, Travelers offers good customer service, reliably pays claims, and generally has low rates for car insurance. Keep in mind that what you pay for car insurance will depend on a number of factors like your age, gender, location, and driving record.

Nationwide, Safeco, and Liberty Mutual top our list of Washington’s best car insurance companies for 2022 based on their ICS. We recommend that you don’t limit your search for car insurance providers to just these three, however. There are a lot of insurers that offer competitive rates and discounts to policyholders with good driving records, new drivers, and in a lot of cases, high-risk drivers.

You should also ask yourself “How much car insurance do I need?” before you begin your search. Insurify can assist you in picking your desired coverage options. Find out the average car insurance cost for top companies here.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$158
Insurify Composite Score:
89

Since 1925, Nationwide has grown from a small mutual auto insurance company primarily serving Ohio farmers to one of the world’s largest insurance and financial companies. Nationwide offers car insurance policies as well as home insurance, renters, motorcycle, pet, farmers, and commercial insurance.

Top discounts that the company offers include:

  • Multi-policy
  • Defensive driving
  • Safe driver
  • Accident-free
  • Good student
  • SmartMiles (flexible rates based on how much you drive)

Nationwide’s car insurance average rates are competitive in several different driver categories. Washington drivers over 60 year of age and drivers with no prior violations save the most on their insurance premiums with Nationwide on average while young drivers save the least.

Driver CategoryAverage Monthly Cost
Drivers Under 25$238
Drivers Over 60$127
Safe Drivers (No Prior Violations)$155
Drivers With a Prior Accident$204
Drivers With a Prior Speeding Ticket$202
Drivers With Average Credit$168
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$165
Insurify Composite Score:
86

Safeco, a Liberty Mutual company, offers a number of benefits to Washington drivers from minimum liability policies to full coverage. The company sells its auto insurance coverage exclusively through independent agents and also offers homeowners insurance to help policyholders save more money. From a cost perspective, Safeco is a good choice for experienced (over 60 years old) drivers and those with a clean driving record. Washington drivers with average credit also typically pay less than $200 a month for Safeco coverage.

Top discounts that the company offers include:

  • Multi-vehicle
  • Multi-policy
  • Safe driver
  • Accident prevention course
  • Vehicles with safety features
  • Accident forgiveness
  • Diminishing deductible

Safeco’s rates are competitive with other insurers. Younger and safe drivers in particular might find Safeco’s rates especially appealing.

Driver CategoryAverage Monthly Cost
Drivers Under 25$269
Drivers Over 60$134
Safe Drivers (No Prior Violations)$145
Drivers With a Prior Accident$228
Drivers With a Prior Speeding Ticket$207
Drivers With Average Credit$179
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual has been in the car insurance business for more than 100 years and is one of the more well-known companies in the industry. The insurer offers coverage that it deems not only affordable but also customizable. Liberty Mutual provides Washington drivers with personalized service and digital tools to better help them select and use their car insurance.

Top discounts that the company offers include:

  • Advanced safety features
  • Alternative energy (hybrid or electric vehicle)
  • Anti-theft device
  • Accident-free
  • Violation-free
  • Multi-policy
  • Multi-car
  • Pay-in-full

Liberty Mutual’s vast menu of discounts could potentially offset some of the higher average monthly costs in many of the following driver categories. Washington drivers over 60 years old pay much less per month on average than others.

Driver CategoryAverage Monthly Cost
Drivers Under 25$416
Drivers Over 60$149
Safe Drivers (No Prior Violations)$247
Drivers With a Prior Accident$289
Drivers With a Prior Speeding Ticket$274
Drivers With Average Credit$263
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
4
Travelers logo

Travelers

Average monthly cost:
$137
Insurify Composite Score:
80

Travelers has helped its policyholders protect their belongings for more than 165 years. The company has 30,000 employees and another 13,500 independent agents and brokers working throughout the United States, Canada, the United Kingdom, and Ireland to serve its customers. Travelers provides full car insurance coverage as well as home, motorcycle, boat, umbrella insurance, and more.

Top discounts that the company offers include:

  • Multi-policy
  • Multi-car
  • Homeownership
  • Safe driver
  • Continuous insurance
  • Good student
  • New car
  • Hybrid vehicle

As with many car insurance companies, Washington drivers over 60 pay the least per month on average with Travelers. Drivers in many categories will pay less than $200 per month on average for Travelers car insurance in Washington, however.

Driver CategoryAverage Monthly Cost
Drivers Under 25$174
Drivers Over 60$115
Safe Drivers (No Prior Violations)$130
Drivers With a Prior Accident$164
Drivers With a Prior Speeding Ticket$179
Drivers With Average Credit$148
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

National General might not be as well known as some of the other car insurance companies on this list, but it has provided car insurance coverage for more than 80 years. The insurer sells coverage both online and over the phone with an agent. National General also offers personalized coverage and a variety of car insurance discounts to help its policyholders save more on their premiums.

Top discounts that the company offers include:

  • Multi-vehicle
  • Multi-policy
  • Anti-theft
  • Paid-in-full
  • Affinity (membership)
  • Safe driver
  • Auto pay

National General offers a favorable car insurance rate for Washington drivers over 60 years old, good drivers (no prior violations), and drivers with at least average credit.

Driver CategoryAverage Monthly Cost
Drivers Under 25$283
Drivers Over 60$110
Safe Drivers (No Prior Violations)$153
Drivers With a Prior Accident$230
Drivers With a Prior Speeding Ticket$179
Drivers With Average Credit$168
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
The General logo

The General

Average monthly cost:
$182
Insurify Composite Score:
N/A

The General has been providing car insurance coverage for almost 60 years and currently insures more than one million drivers. The company, an affiliate of American Family Insurance, is known for welcoming drivers with less-than-perfect credit scores or driving records, including drivers who other insurance companies won’t cover. The General provides quotes online or over the phone with its more than 100 agents and representatives across the U.S.

Top discounts that the company offers include:

  • Safety features
  • Multi-car
  • Previously insured (if you’ve had insurance elsewhere for the past five years)
  • Defensive driving course
  • Safe driver
  • Academic achievement/good student

The General welcomes all drivers seeking auto insurance, regardless of driving or credit history, but drivers over 60 pay the lowest average monthly cost based on Insurify’s data.

Driver CategoryAverage Monthly Cost
Drivers Under 25$265
Drivers Over 60$130
Safe Drivers (No Prior Violations)$158
Drivers With a Prior Accident$273
Drivers With a Prior Speeding Ticket$236
Drivers With Average Credit$185
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Washington

Where you live will factor into how much you pay for car insurance in Washington, all the way down your city. In Washington, the average monthly car insurance rate can range from $171 (Bellingham) to $276 (Federal Way). You might notice that some of the bigger cities in the state, like Seattle and Tacoma, have higher monthly costs. That’s in part because the more dense an area, the more vehicles there are, which leads to higher premiums.

CityAverage Monthly Cost
Auburn$237
Bellevue$228
Bellingham$171
Everett$226
Federal Way$276
Kennewick$174
Kent$253
Lakewood$246
Lynnwood$225
Olympia$179
Puyallup$231
Renton$251
Seattle$241
Spokane$180
Tacoma$252
Vancouver$198
Yakima$172
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Shopping for the best auto insurance in Washington might seem challenging or time-consuming, but it doesn’t have to be. All you have to do is use Insurify’s insurance marketplace to help you find the exact coverage and deductible you need.

Decide what coverages are best for you and get customized quotes accordingly. For example, suppose you wanted to add liability insurance, collision coverage, comprehensive coverage, uninsured motorist, personal injury protection, or other full-coverage car insurance to your policy.

You can! Then, compare the insurance policies side by side to see which company has the policy that best meets your needs at the best price.

Finally, it’s simple to choose your coverage limits and buy the policy online. In many cases, you can print your insurance certificate immediately.

See More: Car Insurance for Bad Driving Records

Frequently Asked Questions

  • The best car insurance company is the one that fits your needs and your budget. Only you can decide that. Based on prices, sales, and the claims process, however, Nationwide is the best car insurance company in Washington, according to its Insurify Composite Score.

  • Auto insurance rates for Washington auto insurance will depend on several factors like where you live, your driving history, and the type of vehicle you have. The cheapest auto insurance for you might be expensive for someone else, and vice versa.

  • Your car insurance should at least meet Washington’s state minimum insurance requirements for bodily injury liability coverage and property damage liability coverage. Ideally, you should get higher limits for your auto insurance policy to better protect yourself and others in the event of an accident—particularly one with an uninsured driver. Purchasing more than the minimum coverage can also help cover medical payments and motorist bodily injury, among others.

  • Getting the best cheap auto insurance in Washington isn’t hard if you know where to look. Compare multiple plans and coverage options in one place with Insurify's comparison platform. Best of all, it does all the heavy lifting for you, so you aren’t stuck checking insurance providers individually. Get started shopping for car insurance now.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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