120+ more*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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
Cheapest car insurance company in Washington: State Farm
Cheapest car insurance rate in Washington: $58
Average monthly liability-only car insurance cost in WA: $95
Average monthly full-coverage car insurance cost in WA: $184
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Washington.
The table below shows the lowest rates for liability insurance and full coverage. The quotes are based on a driver profile with good credit and a clean driving history.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $58 | $115 |
| USAA | $59 | $118 |
| Root | $61 | $146 |
| Progressive | $83 | $149 |
| The General | $83 | $186 |
| American Family | $87 | $174 |
| National General | $87 | $160 |
| GEICO | $88 | $148 |
| Direct Auto | $91 | $170 |
| Allstate | $96 | $168 |
| Chubb | $98 | $194 |
| Safeco | $100 | $150 |
| Farmers | $103 | $203 |
| Bristol West | $118 | $270 |
| Dairyland | $119 | $278 |
| Travelers | $120 | $237 |
| Liberty Mutual | $167 | $251 |
The following insurance companies stand out based on reviews from Insurify users, pricing, customer satisfaction, and financial stability. If you’re shopping around for the best car insurance in Washington, these insurers may be a good place to start.
| 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. | $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 | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 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.
GEICO received an A++ (Superior) rating for its financial strength from AM Best and an above-average rating from JD Power for the Northwest region. It offers affordable full-coverage rates, but Washington drivers may save even more by taking advantage of GEICO's numerous car insurance discounts.
A++ rating from AM Best
Comprehensive mobile app
Offers accident forgiveness
Limited in-person support
Doesn’t offer gap insurance
Rideshare insurance not available in Washington
| 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. | $91/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. | $170/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.
Direct Auto may be a good choice for Washington drivers looking for basic liability insurance, especially if they need an SR-22 filing. The insurer also offers flexible monthly payments and coverage for high-risk Washington drivers.
Insures high-risk Washington drivers
Offers SR-22 filings
Flexible payment schedules
Higher rates than other Washington insurers
Limited optional coverages
Drivers with clean records may pay more
| 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. | $115/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 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 offers some of the cheapest average rates for Washington drivers. JD Power gave it the highest customer satisfaction score in the Northwest region. You may be able to save even more by enrolling in its telematics program, Drive Safe & Save.
Cheap rates in Washington
Extensive local agent network
Save up to 30% with Drive Safe & Save
No gap insurance
Fewer add-on coverage options
Doesn’t offer accident forgiveness
| 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. | $59/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 | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 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.
Washington is home to 494,000 veterans, 56,000 active-duty service members, and 17,000 National Guard members, according to Washington Department of Veterans Affairs data. Military families can save by choosing USAA for car insurance, thanks to its low average rates and military-specific discounts.
Above-average JD Power customer satisfaction rating in the Northwest region
Affordable rates in Washington
Offers two different telematics programs
Eligibility restricted to military families
Limited in-person support available
Limited phone support hours compared to other insurers
We evaluated insurers operating in Washington using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Washington drivers, including tornado and hurricane risks, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
Washington car insurance costs an average of $1,143 per year for liability-only coverage and $2,202 for full coverage. This is lower than the national annual averages of $1,183 for liability coverage and $2,242 for full coverage.
Heavy traffic around Seattle and Tacoma, especially on the Interstate 5 corridor, can increase the risk of accidents and lead to a higher claims rate. Washington also faces a high risk of wildfires, which have the potential to cause damage to vehicles across the state.[1]
Liability policies average $95/mo.
Washington car insurance quotes vary depending on your location, with densely populated cities like Federal Way and Seattle receiving some of the highest average rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Bellingham | $80 | $132 |
| Longview | $82 | $142 |
| Kennewick | $85 | $158 |
| Olympia | $86 | $156 |
| Spokane | $90 | $158 |
| Vancouver | $103 | $184 |
| Bothell | $106 | $192 |
| Redmond | $106 | $207 |
| Bellevue | $107 | $210 |
| Seattle | $117 | $214 |
| Renton | $120 | $199 |
| Tacoma | $121 | $223 |
| Auburn | $125 | $225 |
| Federal Way | $128 | $239 |
The chart below shows Washington’s five most expensive cities for car insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Seattle | $117 | $214 |
| Renton | $120 | $199 |
| Tacoma | $121 | $223 |
| Auburn | $125 | $225 |
| Federal Way | $128 | $239 |
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Washington car insurance premiums can vary depending on your insurer, location, and driving profile. For example, drivers in congested cities like Seattle and Spokane may pay more than people living in smaller cities due to higher rates of accidents and theft.
Insurers also consider factors like your credit history and driving history, so shopping around for quotes will help you find the lowest rates. Here are some things you can do to get the most accurate quotes:[2]
Use the same coverage limits and deductible for each insurer.
Provide the correct ZIP code and annual mileage.
Include every driver and vehicle in your household.
Disclose any tickets or at-fault accidents on your driving record.
Ask insurers what discounts you might qualify for.
Washington requires all drivers to meet minimum liability requirements and provide proof of insurance. Its bodily injury limits are common, but the property damage minimum is relatively low. Here’s an overview of Washington’s minimum coverage requirements:[3]
Coverage | Washington Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability coverage | $10,000 |
Personal injury protection (PIP) and uninsured and underinsured motorist (UM/UIM) coverage aren’t mandatory, but state law requires insurers to offer them.[4] Drivers who don’t want PIP or UM/UIM coverage must waive them in writing.
Agent Tip: Is liability-only insurance enough in Washington?
“Washington’s minimum liability limits usually won’t cover the full cost of a serious accident. The cost of totaling another driver’s car would likely exceed the state’s $10,000 minimum coverage limit. You’d have to pay out of pocket for anything over your insurance limits. Consider increasing your coverage limits for extra protection. You can also opt for full-coverage car insurance. Full coverage includes liability coverage, as well as comprehensive and collision insurance for you and your vehicle.”
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Comparing quotes from multiple insurers is the most effective way to find cheap Washington car insurance. Different insurers weigh factors like your location, credit, and driving history differently, so it’s a good idea to get at least three different quotes.
Here are some additional ways to lower your premium:
Consider regional insurers serving the Pacific Northwest in addition to national insurers like Allstate, Liberty Mutual, and Travelers.
Bundle your auto and homeowners or renters insurance to take advantage of bundling discounts.
Enroll in a safe-driving or low-mileage program for additional savings.
Increase your deductible. Just be sure you can afford the higher deductible amount if you need to file a claim.
If you’re 55 or older, you can complete an approved defensive driving course for an additional discount.[5]
See quotes from top insurers in minutes
Your driving history, age, credit information, and coverage options can all influence how much you pay for Washington car insurance. You can explore average rates for your situation below.
Washington car insurance quotes by coverage
Insurify’s American Driver report found that full-coverage rates fell 6% nationally in 2025 as insurers dealt with fewer claims and competed for customers. But Washington’s rates changed course in 2026, rising 3% to $2,196 during the first half of the year.
Insurify projects they’ll reach $2,218 by the end of the year, largely due to inflation and rising repair and maintenance costs.
Here’s some additional information on finding the cheapest rates in the Evergreen State.
Washington drivers pay an average monthly premium of $95 for liability insurance and $184 for full-coverage insurance. But your exact rate depends on your driving profile, so it’s a good idea to shop around and compare quotes.
You can find cheap auto insurance in Washington by comparing quotes from at least three different insurers. Improving your credit, taking advantage of bundling discounts, and maintaining a clean driving record can also help lower your rates.
State Farm offers the cheapest auto insurance for teen drivers in Washington, with liability policies averaging $118 per month. USAA and Root also offer cheap monthly rates for teens and young drivers.
Insurance companies consider your age, ZIP code, credit, driving history, and vehicle when evaluating you for car insurance. Local factors, like weather hazards and repair costs, can also affect Washington car insurance rates.
Washington drivers may qualify for bundling, good student, low-mileage, safe-driving, and safety discounts. Drivers 55 and older may also qualify for a discount if they complete an approved driving course.
Insurify data scientists analyzed more than 250 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 500+ 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:
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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.
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.
