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Geico offers the cheapest auto insurance at $962 per year or $80 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $845 a year. Both are below the average Washington car insurance rate of $1,203 a year.

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Washington as well as the cheapest.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your average annual car insurance cost. 

Read on to compare Washington insurance rates by company, age, and more.

Key takeaways

  • Geico is the best car insurance company in Washington overall for military veterans and their families, with below-average rates and a low complaint ratio.
  • Geico is also the cheapest car insurance company open to all residents in Washington at $962 per year.
  • Auto-Owners has the cheapest rates for teen drivers in Washington.

Average cost of car insurance in Washington

The average car insurance rate in Washington is $1,203 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 $443.

Best car insurance companies in Washington

Geico is the best auto insurance company in Washington for all drivers, based on a 2023 analysis by Insurance.com, with an overall rating of 4.72. 

USAA ranked a little higher, with an overall rating of 4.9, but only offers car insurance to military members and their families. 

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.

Best car insurance companies in Washington
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAA*A++$ 8450.994.9
GeicoA++$ 9620.774.72
Auto-OwnersA++$ 1,1510.644.37
TravelersA++$ 1,1551.034.28
NationwideA+$ 1,0940.664.18
State FarmA++$ 1,2000.524
ProgressiveA+$ 1,2530.733.85
FarmersA$ 1,2970.773.46
AllstateA+$ 1,5550.953.21
American FamilyA$ 1,5500.573

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Washington

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. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Washington, with average rates of $845 annually or $70 a month, on average, for full coverage, but has eligibility requirements. Geico is the cheapest company overall and is open to all drivers, with an average annual rate of $962 for full coverage in Washington.  

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
USAA$ 222$ 334$ 845
Geico$ 300$ 376$ 962
Nationwide$ 464$ 574$ 1,094
Auto-Owners$ 418$ 549$ 1,151
Travelers$ 409$ 568$ 1,155
Kemper Insurance$ 705$ 899$ 1,174
State Farm$ 359$ 481$ 1,200
Progressive$ 311$ 416$ 1,253
Farmers$ 417$ 591$ 1,297
American Family$ 710$ 924$ 1,550
Allstate$ 560$ 712$ 1,555

USAA offers car insurance only to military members, veterans and their families.

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.

Auto-Owners offers the cheapest car insurance for teen drivers in Washington at $2,765 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 $1,095 per year and $1,037 per year. You can save more with USAA, if you are eligible. 

Cheapest car insurance by age in Washington
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Auto-Owners$ 2,765
Teens (16-19)Kemper Insurance$ 3,026
Teens (16-19)Travelers$ 3,242
Teens (16-19)State Farm$ 3,437
Teens (16-19)Farmers$ 3,806
Teens (16-19)Nationwide$ 3,851
Teens (16-19)USAA$ 4,072
Teens (16-19)American Family$ 4,259
Teens (16-19)Geico$ 4,757
Teens (16-19)Progressive$ 4,757
Teens (16-19)Allstate$ 5,331
Young Adults (20-24)USAA$ 1,367
Young Adults (20-24)Farmers$ 1,739
Young Adults (20-24)Travelers$ 1,786
Young Adults (20-24)Nationwide$ 1,877
Young Adults (20-24)Auto-Owners$ 1,878
Young Adults (20-24)Geico$ 1,978
Young Adults (20-24)State Farm$ 2,053
Young Adults (20-24)American Family$ 2,066
Young Adults (20-24)Progressive$ 2,102
Young Adults (20-24)Allstate$ 2,170
Young Adults (20-24)Kemper Insurance$ 3,026
Adults (25-55)USAA$ 855
Adults (25-55)Geico$ 1,095
Adults (25-55)Nationwide$ 1,116
Adults (25-55)Travelers$ 1,175
Adults (25-55)Kemper Insurance$ 1,178
Adults (25-55)State Farm$ 1,226
Adults (25-55)Auto-Owners$ 1,227
Adults (25-55)Farmers$ 1,284
Adults (25-55)Progressive$ 1,305
Adults (25-55)American Family$ 1,533
Adults (25-55)Allstate$ 1,555
Seniors (60-75)USAA$ 911
Seniors (60-75)Geico$ 1,037
Seniors (60-75)Nationwide$ 1,050
Seniors (60-75)Kemper Insurance$ 1,106
Seniors (60-75)Travelers$ 1,143
Seniors (60-75)State Farm$ 1,159
Seniors (60-75)Auto-Owners$ 1,177
Seniors (60-75)Progressive$ 1,290
Seniors (60-75)Farmers$ 1,305
Seniors (60-75)Allstate$ 1,596
Seniors (60-75)American Family$ 1,696

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. 

However, the severity and frequency of the incidents will also play a role. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Washington rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Washington 
CompanyClean recordAccidentTicket
USAA*$ 901$ 1,274$ 1,057
Geico$ 1,018$ 1,736$ 1,517
Auto-Owners$ 1,157$ 1,506$ 1,545
Nationwide$ 1,210$ 1,803$ 1,442
Kemper$ 1,258$ 1,756$ 2,605
Travelers$ 1,333$ 1,869$ 1,868
Progressive$ 1,354$ 2,838$ 2,511
State Farm$ 1,360$ 1,614$ 1,487
Farmers$ 1,552$ 2,105$ 2,011
Allstate$ 1,646$ 2,307$ 1,795
American Family$ 1,782$ 1,782$ 2,202

*USAA offers car insurance only to military members, veterans and their families.


Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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 auto insurance rates by city in Washington

Nine Mile Falls