- Best car insurance companies in Washington: PEMCO
- Cheapest car insurance companies in Washington: Geico
- Average cost of car insurance in Washington
- Washington car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Washington
- Cheapest car insurance cost in Washington by age
- Cheapest car insurance companies in Washington by driver profile
- Compare auto insurance rates by city in Washington
- Car insurance premium trends in Washington
- Methodology
- Compare Washington car insurance rates with other states
Best car insurance companies in Washington: PEMCO
PEMCO is the best auto insurance company in Washington, based on an analysis by Insurance.com, with an overall rating of 3.39. Geico, Travelers, State Farm, and Nationwide are also top car insurance companies in Washington.
Below is a full list of the top Washington insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| PEMCO | B++ | 831 | 0.24 | 3.39 | $1,326 |
| Geico | A++ | 797 | 0.91 | 3.37 | $1,171 |
| Travelers | A++ | 810 | 0.49 | 3.35 | $1,503 |
| State Farm | A++ | 821 | 0.7 | 3.14 | $1,794 |
| Nationwide | A+ | 810 | 0.64 | 3.01 | $1,658 |
| Allstate | A+ | 783 | 0.65 | 2.96 | $1,766 |
| Farmers | A | 796 | 0.8 | 2.84 | $1,714 |
| American Family | A | 820 | 1.1 | 2.56 | $1,750 |
| Progressive | A+ | 807 | 0.65 | 2.48 | $2,554 |
Cheapest car insurance companies in Washington: Geico
Based on a rate analysis by Insurance.com, USAA offers the cheapest full coverage car insurance in Washington, with average rates of $853 annually or $71 a month, but it has eligibility requirements. Geico is the second cheapest company overall and is open to all drivers, with an average annual rate of $1,171 for full coverage in Washington. PEMCO offers the cheapest liability car insurance in Washington, with average rates of $351 annually. For state minimum coverage, PEMCO has the cheapest car insurance rates.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Washington and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $226 | $387 | $853 |
| Geico | $296 | $473 | $1,171 |
| PEMCO | $158 | $351 | $1,326 |
| Travelers | $398 | $713 | $1,503 |
| Nationwide | $496 | $792 | $1,658 |
| Farmers | $450 | $868 | $1,714 |
| American Family | $709 | $1,109 | $1,750 |
| Allstate | $639 | $927 | $1,766 |
| State Farm | $410 | $741 | $1,794 |
| Progressive | $595 | $947 | $2,554 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Washington
The average cost of car insurance in Washington state is $1,608 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Washington is $438.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Washington
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 98108 | Seattle | $185 |
| 98118 | Seattle | $185 |
| 98168 | Tukwila | $181 |
| 98144 | Seattle | $180 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 99149 | Malden | $118 |
| 98261 | Lopez Island | $119 |
| 98362 | Port Angeles | $119 |
| 98368 | Port Townsend | $119 |
The Washington State Office of the Insurance Commissioner says...
There are several reasons why you may want to change or cancel your policy, such as finding cheaper rates or maybe you sold your car and no longer need auto insurance. It's important to avoid any gaps in coverage - as gaps can lead to higher rates. Whatever your reason, here are some suggestions to ensure things go smoothly:
- Make sure you have a replacement policy in place before you cancel your existing policy.
- Ask your agent or insurance company about their cancellation policy and if there are any cancellation fees.
- Read your auto policy's cancellation terms.
- Follow up with a letter to the company or agent.
Washington car insurance requirements
The minimum car insurance required in Washington is 25/50/10. The average cost of the state minimum liability insurance is $430 a year, or $36 per month.
Minimum liability insurance requirements for Washington:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $10,000 per accident
Cheapest car insurance companies for minimum liability coverage in Washington
Insurance.com data show that PEMCO offers the most affordable state minimum liability coverage, costing an average of $150, or $13 a month.
The table below shows the cheapest car insurance companies for minimum coverage in Washington.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| PEMCO | $150 | $13 |
| USAA* | $226 | $19 |
| Geico | $267 | $22 |
| Travelers | $407 | $34 |
| State Farm | $410 | $34 |
| Farmers | $430 | $36 |
| Nationwide | $486 | $41 |
| Progressive | $577 | $48 |
| Allstate | $629 | $52 |
| American Family | $716 | $60 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Washington by age
In Washington, as in all states, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience.
PEMCO offers the cheapest car insurance for teen drivers in Washington at $3,514 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Washington, Geico offers the cheapest full coverage car insurance for adult drivers and senior drivers at $1,213 per year and $1,142 per year. You can save more with USAA if you are eligible.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| PEMCO | $4,520 | $377 |
| Travelers | $5,208 | $434 |
| State Farm | $5,624 | $469 |
| Farmers | $5,889 | $491 |
| American Family | $6,374 | $531 |
| Nationwide | $6,701 | $558 |
| USAA | $6,851 | $571 |
| Geico | $7,087 | $591 |
| Progressive | $9,052 | $754 |
| Allstate | $9,200 | $767 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Washington by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more. In Washington, Geico is the cheapest auto insurance company for most drivers with an accident in Washington state at an average of $1,954 per year. USAA offers the cheapest car insurance rates for drivers with an accident, at $1,206 per year. However, it covers specifically the military community.
Farmers is the cheapest option for drivers with a speeding ticket at $1,883 per year. USAA offers the cheapest rates for drivers with speeding tickets if you are eligible.
Below are the average Washington car insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $853 | $1,206 | $1,002 |
| Farmers | $1,714 | $2,963 | $1,883 |
| Allstate | $1,766 | $2,481 | $1,925 |
| State Farm | $1,794 | $2,101 | $1,948 |
| Geico | $1,171 | $1,954 | $1,958 |
| American Family | $1,750 | $2,577 | $2,164 |
| Travelers | $1,503 | $2,110 | $2,184 |
| Nationwide | $1,658 | $2,799 | $2,836 |
| Progressive | $2,554 | $4,598 | $3,374 |
*USAA offers car insurance only to military members, veterans, and their families.
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Washington
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Washington.
| City | Annual insurance premium |
|---|---|
Seattle | $1,910 |
Car insurance premium trends in Washington
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Washington have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Washington car insurance rates with other states
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