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
- Best car insurance companies in Washington
- Cheapest car insurance companies in Washington
- Cheapest car insurance cost in Washington by age
- Cheapest car insurance companies in Washington by driver profile
- Methodology
- Compare auto insurance rates by city 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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| USAA* | A++ | $ 845 | 0.99 | 4.9 |
| Geico | A++ | $ 962 | 0.77 | 4.72 |
| Auto-Owners | A++ | $ 1,151 | 0.64 | 4.37 |
| Travelers | A++ | $ 1,155 | 1.03 | 4.28 |
| Nationwide | A+ | $ 1,094 | 0.66 | 4.18 |
| State Farm | A++ | $ 1,200 | 0.52 | 4 |
| Progressive | A+ | $ 1,253 | 0.73 | 3.85 |
| Farmers | A | $ 1,297 | 0.77 | 3.46 |
| Allstate | A+ | $ 1,555 | 0.95 | 3.21 |
| American Family | A | $ 1,550 | 0.57 | 3 |
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.
| Company | State minimum | 50/100/50 liability only | 100/300/100 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.
| 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.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| 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.
Methodology
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:
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.
