120+ more*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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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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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
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.
Auto insurance is usually slightly cheaper in the Evergreen State than the rest of the country. Washington drivers pay an average monthly rate of $93 for liability coverage, while the national average is $99. Full coverage averages $161 per month, compared to the national average of $173.
Comparing rates from different companies is one of the best ways to save on your insurance costs. The table below shows the cheapest insurers for different drivers and coverage types, according to Insurify data.
Driver Category | Cheapest Insurance Company in WA | Cheapest Monthly Quote in WA |
|---|---|---|
| Overall | State Farm | $58 |
| State-minimum coverage | State Farm | $58 |
| Full coverage | State Farm | $115 |
| Drivers with a clean record | State Farm | $58 |
| After a speeding ticket | State Farm | $75 |
| After an at-fault accident | State Farm | $78 |
| After a DUI | State Farm | $81 |
| Teen/new drivers | USAA | $123 |
| Seniors | State Farm | $46 |
| Bad credit | USAA | $73 |
See quotes from top insurance companies in Washington, D.C.
You must have a minimum amount of liability coverage to drive legally in Washington. The state requires drivers to have at least 25/50/10 liability coverage.
Sticking with liability-only insurance can save you money. An average minimum coverage policy costs 74% less than an average full-coverage policy, according to Insurify data. But liability policies don’t offer as much protection because they don’t include comprehensive or collision insurance.
The table below shows the cheapest insurers for liability-only coverage in Washington, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| USAA | $60 |
| Allstate | $77 |
| Direct Auto | $83 |
| American Family | $88 |
| National General | $90 |
| Progressive | $91 |
| Nationwide | $91 |
| The General | $92 |
| Chubb | $98 |
| GEICO | $99 |
| Farmers | $103 |
| Safeco | $105 |
| Dairyland | $115 |
| Bristol West | $120 |
| Travelers | $120 |
| Liberty Mutual | $203 |
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Brett Clendenen
Sales Manager at Insurify, Insurify
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.
Washington drivers pay an average of $161 per month for full-coverage car insurance. Full coverage can be expensive, but you can save money by choosing the right insurer.
Lenders generally require you to buy a full-coverage policy, which is good to know, because 29% of Washington vehicles are either leased or financed. Lenders want to protect their investments from threats, like the state’s frequent wildfires and floods.
The table below shows the companies with the cheapest full-coverage rates in Washington, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $115 |
| USAA | $117 |
| Direct Auto | $144 |
| Allstate | $152 |
| GEICO | $153 |
| Safeco | $154 |
| National General | $164 |
| The General | $165 |
| American Family | $172 |
| Nationwide | $178 |
| Progressive | $184 |
| Chubb | $192 |
| Farmers | $201 |
| Travelers | $235 |
| Liberty Mutual | $247 |
| Bristol West | $270 |
| Dairyland | $275 |
*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
It can be hard to balance price and coverage when shopping for car insurance. To help you compare options, we picked some of the best insurance companies in Washington. Find out if one of them is the best fit for you.
| 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 is the largest insurer of private passenger cars in Washington state, covering 19% of all vehicles, according to the National Association of Insurance Commissioners (NAIC). One of the reasons it’s so popular is that it offers many discounts and a wide range of coverage options.
Low rates for most Washington drivers
Excellent mobile app ratings and reviews
Fewer NAIC customer complaints than similar-sized insurers
Accident forgiveness not available
Gap insurance not available
Poor Trustpilot ratings
| 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.
Washington has more than 500,000 active-duty service members, veterans, and family members calling the state home.[1] USAA offers military members and their families low rates and services that fit their needs. The company also has many military-focused discounts and perks.
Full-service banking and lending institution
A++ (Superior) AM Best Financial Strength Rating
Highly rated customer satisfaction rating in the Northwest region
Available only to military members and families
Doesn’t have any local agents in Washington
Poor Trustpilot reviews
| 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.
More than half of the state’s population lives in the massive metro area spanning across the Puget Sound. Your chances of getting into a car crash go up in an urban area, so it’s important to have the right coverage. Allstate offers accident forgiveness, so you won’t have to worry about your rates increasing after an accident.
Offers accident forgiveness coverage
Low number of customer complaints for a company of its size
Savings and perks for homeowners installing electric car chargers
Doesn’t offer many car insurance discounts
Low customer satisfaction ratings
Poor claims handling ratings
Although car insurance rates tend to be lower in Washington state than the nationwide average, that might not be the case for much longer. In the most recent Insurify car insurance report, data analysts predicted that rates in Washington state will increase by 1.8% in 2026.
Driving has become less safe in Washington in recent years. The rate of traffic fatalities has increased by 71% from 2013 to 2023, according to the Washington State Department of Transportation (WSDOT).[2] More serious accidents increase car insurance rates for everyone.
Here’s how the average car insurance premium has changed over the past five years in Washington state, according to Insurify data.
Get rates from Washington’s top insurers and save money today
Washington state law requires drivers to have a minimum amount of liability insurance. Liability coverage helps pay for any damage you cause to other people and their property. To drive legally in Washington, you must have:
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $10,000 per accident
Washington also requires insurance companies to offer personal injury protection (PIP). You don’t have to buy it, but you must decline the coverage with your insurer. If you don’t decline it, your insurer will automatically add it to your policy.[3]
Washington is a diverse state, and car insurance costs can vary depending on where you live. Residents in bigger cities like Seattle and Tacoma typically pay more for car insurance coverage than in smaller towns like Kennewick.
The following table shows average monthly car insurance rates for different Washington cities, according to Insurify data.
People with a clean driving record usually pay the lowest car insurance rates because they’re. less likely to cause an accident and file an insurance claim. Many companies also offer safe-driver discounts, which can further reduce car insurance costs.
Washington drivers with clean records pay an average of $127 per month for car insurance.
The table below lists the cheapest quotes for Washington drivers with clean records, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| USAA | $55 |
| Allstate | $72 |
| Direct Auto | $75 |
| National General | $77 |
| American Family | $81 |
| Nationwide | $81 |
| The General | $82 |
| Progressive | $83 |
| Chubb | $85 |
| Farmers | $93 |
| GEICO | $93 |
| Dairyland | $102 |
| Safeco | $105 |
| Travelers | $108 |
| Bristol West | $111 |
| Liberty Mutual | $200 |
Insurify data shows that 5% of drivers in Washington have a speeding ticket on their record. Fines for speeding in Washington range from $33 to $188, depending on how fast you were going.[4] Speeding tickets are a red flag for insurance companies because they increase your chances of filing a claim.
But not all companies charge Washington drivers the same after a speeding ticket. The table below shows the insurers with the cheapest rates for Washington drivers with a speeding ticket, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| USAA | $79 |
| Allstate | $103 |
| Direct Auto | $106 |
| National General | $115 |
| American Family | $117 |
| Progressive | $119 |
| Nationwide | $121 |
| The General | $126 |
| Chubb | $127 |
| GEICO | $132 |
| Farmers | $135 |
| Safeco | $141 |
| Dairyland | $147 |
| Bristol West | $154 |
| Travelers | $159 |
| Liberty Mutual | $264 |
There were more than 100,000 car accidents in Washington in 2025, according to WSDOT.[5] Causing an accident can cause your car insurance rates to go up significantly.
Drivers in Washington with a recent ticket pay an average of $175 per month for car insurance.
The following table shows the cheapest quotes for drivers with an at-fault accident, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| USAA | $82 |
| Allstate | $105 |
| Direct Auto | $115 |
| American Family | $120 |
| National General | $122 |
| Progressive | $125 |
| Nationwide | $125 |
| The General | $129 |
| GEICO | $132 |
| Chubb | $133 |
| Farmers | $140 |
| Safeco | $150 |
| Dairyland | $156 |
| Bristol West | $161 |
| Travelers | $165 |
| Liberty Mutual | $276 |
In 2025, 6% of all drivers involved in car crashes were over the legal blood alcohol limit, according to WSDOT. Driving drunk makes you more likely to get into an accident, so insurers raise rates significantly after a driving under the influence (DUI) conviction.
Washington drivers with a DUI pay an average of $123 per month for liability policies and $213 per month for full-coverage policies.
Here are the cheapest car insurance companies in Washington for drivers with a DUI, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| USAA | $84 |
| Allstate | $108 |
| Direct Auto | $117 |
| Progressive | $120 |
| American Family | $124 |
| National General | $126 |
| Nationwide | $128 |
| The General | $129 |
| GEICO | $137 |
| Chubb | $138 |
| Farmers | $145 |
| Safeco | $157 |
| Dairyland | $162 |
| Bristol West | $169 |
| Travelers | $169 |
| Liberty Mutual | $285 |
You may need to file an SR-22 certificate after serious traffic violations, such as a DUI or a license suspension. An SR-22 proves to the state that you have the required minimum amount of car insurance.[6] In Washington, you typically need to keep an SR-22 on file for three years.
Here’s how much insurance companies typically charge if you need an SR-22, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $70 |
| USAA | $73 |
| Allstate | $94 |
| Direct Auto | $101 |
| American Family | $107 |
| National General | $109 |
| Progressive | $111 |
| Nationwide | $111 |
| The General | $112 |
| Chubb | $119 |
| GEICO | $120 |
| Farmers | $125 |
| Safeco | $128 |
| Dairyland | $140 |
| Bristol West | $146 |
| Travelers | $146 |
| Liberty Mutual | $247 |
Find the best rates in the state, even with a less-than-perfect record
Teen drivers caused 14% of all car accidents statewide in 2025, according to WSDOT. That high crash rate is partly why insurance companies typically charge teen drivers more for coverage.
Teens in Washington pay an average of $281 per month for car insurance.
The table below shows what Washington insurance companies typically charge teen drivers, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $123 |
| State Farm | $124 |
| Allstate | $168 |
| Direct Auto | $176 |
| The General | $180 |
| American Family | $184 |
| Nationwide | $196 |
| GEICO | $197 |
| National General | $200 |
| Progressive | $201 |
| Dairyland | $220 |
| Chubb | $222 |
| Farmers | $226 |
| Safeco | $233 |
| Bristol West | $238 |
| Travelers | $273 |
| Liberty Mutual | $398 |
Once you reach age 55 in Washington and complete an approved driver safety course, your insurance company must offer you a two-year auto insurance discount.
Washington seniors pay less for liability coverage than drivers in other age groups, at $81 per month.
The table below shows what different companies charge senior drivers in Washington, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| USAA | $49 |
| Allstate | $63 |
| Direct Auto | $67 |
| American Family | $70 |
| Nationwide | $70 |
| National General | $71 |
| Chubb | $74 |
| The General | $78 |
| Progressive | $79 |
| GEICO | $79 |
| Farmers | $82 |
| Safeco | $92 |
| Travelers | $96 |
| Dairyland | $97 |
| Bristol West | $100 |
| Liberty Mutual | $170 |
Many Washington drivers don’t know that credit history affects car insurance rates.[7] Most Washingtonians have better-than-average credit. But you could pay higher rates if you have a less-than-perfect credit history.
That said, some insurers offer low rates regardless of credit. The table below shows quotes from different insurers for Washington drivers with poor credit, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| State Farm | $83 |
| Allstate | $95 |
| Direct Auto | $102 |
| American Family | $105 |
| National General | $111 |
| Nationwide | $112 |
| The General | $113 |
| Progressive | $114 |
| GEICO | $122 |
| Farmers | $127 |
| Safeco | $129 |
| Dairyland | $142 |
| Bristol West | $148 |
| Travelers | $148 |
| Chubb | $157 |
| Liberty Mutual | $243 |
Get the best rates in Washington, starting at $58 per month
You’d probably rather go for a moss-filled hike in the Olympics than shop for car insurance. To help you out, we answered some common questions about auto coverage in Washington.
Washington state requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $10,000 of property damage liability coverage. Insurers must also offer PIP, but you can decline it.
Car insurance in Washington costs an average of $127 per month. Liability-only coverage averages $93 per month, and full coverage averages $161, according to Insurify data.
State Farm has the cheapest car insurance in Washington, according to Insurify data, at $58 per month. But how much you pay for coverage depends on various factors, including your age, location, and driving record.
You have a few ways to get cheap car insurance in Washington. Comparing quotes from at least three insurers will help you find the best rate for your coverage. You can also choose higher deductibles. If you own your car, consider dropping comprehensive coverage and collision coverage if you can afford to repair it yourself.
Yes. Many car insurance companies in Washington offer good driver discounts, including GEICO, Liberty Mutual, USAA, and Progressive.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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.
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.
