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.
- 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
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.
| Company | Auto star ratings |
|---|---|
| Progressive | 5.0 |
| Nationwide | 4.8 |
| Allstate | 4.1 |
| Safeco | 3.9 |
| Travelers | 3.7 |
| Liberty Mutual | 3.4 |
| American Family | 3.4 |
| Farmers | 3.3 |
| Hartford | 3.0 |
| State Farm | 3.0 |
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.
| Company | Average annual premium | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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 rate | Full coverage average annual rate |
|---|---|
| $508 | $1,157 |