USAA offers the cheapest car insurance rates in Washington for full coverage, at $845 annually, or $70 per month. Whereas Allstate is rated as the best car insurance company in Washington, based on Insurance.com's analysis.
There are a lot of different car insurance companies in Washington, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?
To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.
- Allstate offers the best car insurance rates in Washington among the companies analyzed by Insurance.com.
- In Washington, USAA provides the cheapest car insurance at $845 per year.
- Car insurance rates differ with various driving profiles. USAA offers the cheapest car insurance prices for drivers with poor credit.
- State Farm has the cheapest car insurance rates for any driver with a DUI in Washington. The insurance premium is $2,338 per year.
- Best car insurance companies in Washington
- Cheapest car insurance companies in Washington
- Cheapest car insurance for teens in Washington
- Cheapest car insurance for young drivers in Washington
- Cheapest car insurance for adults in Washington
- Cheapest car insurance for seniors in Washington
- Cheapest car insurance rates in Washington by driving record
- Average cost of car insurance in Washington
- Compare car insurance by city in Washington
Best car insurance companies in Washington
Allstate is the best car insurance company in Washington with a 3.4 auto star rating, highest among the companies surveyed.
Experts at Insurance.com have analyzed the companies and compiled data from across Washington to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Washington.
| Company | Auto star ratings |
|---|---|
| Progressive | 5.0 |
| Nationwide | 4.8 |
| Allstate | 4.1 |
| Safeco | 3.9 |
| Travelers | 3.7 |
| American Family | 3.4 |
| Liberty Mutual | 3.4 |
| Farmers | 3.3 |
| Hartford | 3.0 |
| State Farm | 3.0 |
Cheapest car insurance companies in Washington
USAA is the cheapest car insurance company in Washington that offers full coverage car insurance at an average rate of $845 annually or $70 a month.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $845 | $70 |
| Geico | $962 | $80 |
| Nationwide | $1,094 | $91 |
| Auto-Owners | $1,151 | $96 |
| Travelers | $1,155 | $96 |
| Kemper Insurance | $1,174 | $98 |
| State Farm | $1,200 | $100 |
| Progressive | $1,253 | $104 |
| Farmers | $1,297 | $108 |
| American Family | $1,550 | $129 |
| Allstate | $1,555 | $130 |
Cheapest car insurance for teens in Washington
Auto-Owners offers the cheapest car insurance for teens in Washington at about $2,714 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.
Find below average annual premium of cheapest auto insurance companies in Washington for teens.
| Company | Average annual premium |
|---|---|
| Auto-Owners | $2,714 |
| Kemper Insurance | $3,257 |
| Travelers | $3,570 |
| State Farm | $3,842 |
| Farmers | $3,941 |
| Nationwide | $4,145 |
| USAA | $4,403 |
| American Family | $4,438 |
| Geico | $4,601 |
| Progressive | $5,033 |
| Allstate | $5,737 |
Cheapest car insurance for young drivers in Washington
USAA is the cheapest car insurance company for young drivers in Washington. Its average annual premium is $1,456 annually or $121 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.
| Company | Average annual premium |
|---|---|
| USAA | $1,456 |
| Farmers | $1,812 |
| Auto-Owners | $1,846 |
| Travelers | $1,901 |
| Nationwide | $1,966 |
| Geico | $2,041 |
| American Family | $2,133 |
| Progressive | $2,185 |
| State Farm | $2,243 |
| Allstate | $2,355 |
| Kemper Insurance | $3,257 |
Cheapest car insurance for adults in Washington
USAA offers the cheapest car insurance for adults in Washington for a full coverage policy with an average annual premium of $865 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.
| Company | Average annual premium |
|---|---|
| USAA | $865 |
| Geico | $1,037 |
| Nationwide | $1,129 |
| Travelers | $1,202 |
| Auto-Owners | $1,208 |
| Kemper Insurance | $1,226 |
| State Farm | $1,239 |
| Progressive | $1,270 |
| Farmers | $1,290 |
| American Family | $1,557 |
| Allstate | $1,569 |
Cheapest car insurance for seniors in Washington
USAA is the cheapest car insurance company for seniors in Washington. Its average annual premium is $926 a year or about $77 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.
| Company | Average annual premium |
|---|---|
| USAA | $926 |
| Geico | $1,056 |
| Nationwide | $1,065 |
| Kemper Insurance | $1,107 |
| Auto-Owners | $1,154 |
| State Farm | $1,159 |
| Travelers | $1,188 |
| Progressive | $1,311 |
| Farmers | $1,378 |
| Allstate | $1,633 |
| American Family | $1,686 |
Cheapest car insurance rates in Washington by driving record
Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.
The best way to find affordable coverage in Washington is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Washington.
Cheapest auto insurance for drivers with poor credit: USAA
USAA is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Washington drivers at an average of $1,325 a year.Compare average annual premium of cheapest car insurance companies in Washington for drivers with poor credit.
| Company | Average annual premium |
|---|---|
| USAA | $901 |
| Geico | $1,018 |
| Auto-Owners | $1,157 |
| Nationwide | $1,210 |
| Kemper | $1,258 |
| Travelers | $1,333 |
| Progressive | $1,354 |
| State Farm | $1,360 |
| Farmers | $1,552 |
| Allstate | $1,646 |
| American Family | $1,782 |
Cheapest auto insurance for drivers with a speeding ticket: USAA
USAA offers the cheapest car insurance for drivers with a speeding ticket at about $1,894 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.| Company | Average annual premium |
|---|---|
| USAA | $1,057 |
| Nationwide | $1,442 |
| State Farm | $1,487 |
| Auto-Owners | $1,570 |
| Geico | $1,650 |
| Allstate | $1,795 |
| Progressive | $1,809 |
| Farmers | $1,889 |
| Travelers | $1,897 |
| American Family | $2,202 |
| Kemper | $4,033 |
Cheapest auto insurance after an at-fault accident: USAA
USAA has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,868 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.| Company | Average annual premium |
|---|---|
| USAA | $1,274 |
| Auto-Owners | $1,488 |
| State Farm | $1,614 |
| Geico | $1,736 |
| Kemper | $1,756 |
| American Family | $1,782 |
| Nationwide | $1,803 |
| Travelers | $1,850 |
| Farmers | $2,105 |
| Allstate | $2,307 |
| Progressive | $2,838 |
Cheapest auto insurance after a DUI: State Farm
The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $2,338 a year or $195 a month.
If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.
| Company | Average annual premium |
|---|---|
| State Farm | $1,487 |
| Progressive | $1,678 |
| Geico | $1,719 |
| USAA | $1,864 |
| Farmers | $1,949 |
| Auto-Owners | $1,965 |
| Travelers | $2,039 |
| Allstate | $2,130 |
| American Family | $2,202 |
| Nationwide | $2,273 |
| Kemper | $6,414 |
Average cost of car insurance in Washington
The average annual cost of car insurance in Washington for a full coverage policy is $1,203. For full coverage, the recommended coverage limits for Washington drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
For the state minimum coverage, the average annual cost in Washington is $443.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $508 | $1,157 |
Compare car insurance by city in Washington
| Car Insurance in | Seattle, WA |
Compare other states
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