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USAA Casualty offers the cheapest car insurance rates in Washington for full coverage, at $635 annually, or $53 per month. Whereas Progressive 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.

KEY TAKEAWAYS
  • Progressive offers the best car insurance rates in Washington among the companies analyzed by Insurance.com.
  • In Washington, USAA Casualty provides the cheapest car insurance at $635 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 $1,533 per year.

Best car insurance companies in Washington

Progressive is the best car insurance company in Washington with a 5.0 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.

CompanyAuto star ratings
Progressive5.0
Nationwide4.8
Allstate4.1
Safeco3.9
Travelers3.7
American Family3.4
Liberty Mutual3.4
Farmers3.3
Hartford3.0
State Farm3.0

Cheapest car insurance companies in Washington

USAA Casualty is the cheapest car insurance company in Washington that offers full coverage car insurance at an average rate of $635 annually or $53 a month.

CompanyAverage annual premiumAverage monthly premium
USAA Casualty$635$53
Eagle West$870$73
GEICO Advantage$875$73
Nationwide Mutual$912$76
Standard Fire$939$78
Unitrin Auto & Home$954$80
Progressive Direct$1,052$88
State Farm Mutl Automobile Ins$1,120$93
Truck Ins Exchange$1,249$104
Allstate F&C$1,251$104
American Family$1,409$117
Metropolitan Group P&C$2,618$218

Cheapest car insurance for teens in Washington

Geico Gen offers the cheapest car insurance for teens in Washington at about $3,046 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.

CompanyAverage annual premium
Geico Gen$3,046
State Farm Mut Auto$3,701
Nationwide Of Amer$4,387
Farmers Of WA$6,196
Allstate Fire & Cas$6,439
Progressive Direct$7,990

Cheapest car insurance for young drivers in Washington

Geico is the cheapest car insurance company for young drivers in Washington. Its average annual premium is $1,824 annually or $152 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.

CompanyAverage annual premium
Geico Gen$1,824
State Farm Mut Auto$2,234
Progressive Direct$2,296
Allstate Fire & Cas$2,459
Nationwide Of Amer$2,600
Farmers Of WA$2,990

Cheapest car insurance for adults in Washington

Geico offers the cheapest car insurance for adults in Washington for a full coverage policy with an average annual premium of $1,175 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.

CompanyAverage annual premium
Geico Gen$1,175
Progressive Direct$1,364
State Farm Mut Auto$1,371
Nationwide Of Amer$1,605
Allstate Fire & Cas$1,799
Farmers Of WA$2,131

Cheapest car insurance for seniors in Washington

Geico is the cheapest car insurance company for seniors in Washington. Its average annual premium is $1,112 a year or about $93 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.

CompanyAverage annual premium
Geico Gen$1,112
Progressive Direct$1,194
State Farm Mut Auto$1,295
Nationwide Of Amer$1,526
Allstate Fire & Cas$1,865
Farmers Of WA$2,018

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 $955 a year.

Compare average annual premium of cheapest car insurance companies in Washington for drivers with poor credit.

CompanyAverage annual premium
USAA$955
Geico$1,127
Eagle West$1,248
Nationwide$1,307
Unitrin$1,328
State Farm$1,402
Progressive$1,410
Standard Fire$1,471
Truck Ins Exchange$1,615
Allstate$1,652
American Family$1,865
Metropolitan$3,103

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA offers the cheapest car insurance for drivers with a speeding ticket at about $1,122 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.

CompanyAverage annual premium
USAA$1,122
State Farm$1,533
Eagle West$1,794
Allstate$1,801
Nationwide$1,824
Geico$1,836
Progressive$1,871
Truck Ins Exchange$1,948
Standard Fire$2,016
American Family$2,314
Metropolitan$3,326
Unitrin$5,115

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 $1,313 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
USAA$1,313
State Farm$1,664
Eagle West$1,704
Unitrin$1,855
American Family$1,865
Geico$1,879
Nationwide$1,923
Standard Fire$2,003
Truck Ins Exchange$2,160
Allstate$2,314
Progressive$2,921
Metropolitan$6,553

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 $1,533 a year or $128 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.

CompanyAverage annual premium
State Farm$1,533
Progressive$1,739
Geico$1,875
USAA$1,981
Truck Ins Exchange$2,006
Standard Fire$2,112
Allstate$2,137
Eagle West$2,155
American Family$2,314
Nationwide$2,393
Unitrin$6,799
Metropolitan$6,849

Average cost of car insurance in Washington

The average annual cost of car insurance in Washington for a full coverage policy is $1,157. 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 $508.

State minimum average annual rateFull coverage average annual rate
$508$1,157

Shop car insurance in top cities of Washington

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