- Best car insurance company in Washington: GEICO
- Cheapest car insurance company in Washington: American Family
- How much is car insurance in Washington?
- What are the minimum car insurance requirements in Washington?
- Cheapest car insurance companies for minimum liability coverage in Washington
- Cheapest car insurance cost in Washington for teens, adults and seniors
- What are the cheapest car insurance companies in Washington for drivers with tickets and accidents?
- 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 company in Washington: GEICO
GEICO is the best auto insurance company in Washington, with an overall rating of 4.48 earned with low rates and few complaints. PEMCO, American Family, State Farm and Travelers are also among the 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 | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 637 | 0.69 | $1,171 | 4.48 |
| PEMCO | B++ | 666 | 0.71 | $1,326 | 4.31 |
| American Family | A | 655 | 0.34 | $1,750 | 4.3 |
| State Farm | A++ | 656 | 0.79 | $1,794 | 4.15 |
| Travelers | A++ | 592 | 0.52 | $1,503 | 3.89 |
| Farmers | A | 641 | 0.86 | $1,714 | 3.85 |
| Allstate | A+ | 626 | 1.1 | $1,766 | 3.58 |
| Progressive | A+ | 607 | 0.71 | $2,554 | 3.08 |
| USAA | A++ | 743 | 1.18 | $853 | 4.5 |
Cheapest car insurance company in Washington: American Family
American Family is the cheapest auto insurance company in Washington for full coverage, with an average annual rate of $2,175.
- PEMCO offers the cheapest liability car insurance in Washington, with average rates of $680 annually.
- For state minimum coverage, PEMCO also has the cheapest car insurance rates.
- If you're eligible, USAA has cheaper full coverage rates at an average of $1,058 annually or $88 a month
Comparison shopping is the key when it comes to finding the best deal on auto insurance, and your rates will differ from the averages. Request and compare quotes from several car insurance companies to find the best deal for your needs.
Below, you can review our list of the cheapest car insurance companies in Washington.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| American Family | $462 | $856 | $1,752 |
| GEICO | $436 | $731 | $1,998 |
| Travelers | $522 | $880 | $2,164 |
| Farmers | $505 | $1,055 | $2,232 |
| Nationwide | $608 | $895 | $2,408 |
| Allstate | $741 | $1,136 | $2,478 |
| State Farm | $574 | $1,012 | $2,522 |
| PEMCO | $316 | $680 | $2,527 |
| Progressive | $524 | $958 | $2,587 |
| USAA | $247 | $433 | $1,058 |
*USAA offers car insurance only to military members, veterans and their families.
How much is car insurance in Washington?
The average cost of car insurance in Washington state is $2,175 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 $490.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Washington
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Olalla | $996 | $83 |
| Amboy | $994 | $83 |
| East Olympia | $993 | $83 |
| Heisson | $992 | $83 |
| Skykomish | $992 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Mineral | $1,002 | $84 |
| Key Center | $1,002 | $84 |
| Ashford | $1,003 | $84 |
| Rollingbay | $1,006 | $84 |
| Washougal | $1,008 | $84 |
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.
What are the minimum car insurance requirements in Washington?
The minimum car insurance required in Washington is 25/50/10. The average cost of the state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. is $490 a year, or $41 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 $680, or $57 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 | $680 | $57 |
| GEICO | $731 | $61 |
| American Family | $856 | $71 |
| Travelers | $880 | $73 |
| Nationwide | $895 | $75 |
| Progressive | $958 | $80 |
| State Farm | $1,012 | $84 |
| Farmers | $1,055 | $88 |
| Allstate | $1,136 | $95 |
| USAA | $433 | $36 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Washington for teens, adults and seniors
American Family offers the cheapest car insurance for a 16-year-old driver in Washington at $6,367 per year.
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, American Family offers the cheapest car insurance for a 25-year-old driver at $1,834 per year. American Family offers the cheapest car insurance for a 65-year-old driver at $1,818 per year.
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| American Family | $6,367 | $531 |
| USAA | $7,243 | $604 |
| Travelers | $7,972 | $664 |
| State Farm | $8,014 | $668 |
| Nationwide | $10,187 | $849 |
| PEMCO | $10,362 | $864 |
| Allstate | $10,806 | $901 |
| GEICO | $11,839 | $987 |
| Farmers | $13,919 | $1,160 |
| Progressive | $16,483 | $1,374 |
*USAA offers car insurance only to military members, veterans and their families.
What are the cheapest car insurance companies in Washington for drivers with tickets and accidents?
Drivers who have accidents or tickets are considered a higher risk and will pay more. In Washington, American Family is the cheapest auto insurance company for most drivers with an accident in Washington state at an average of $2,580 per year. USAA offers the cheapest car insurance rates for drivers with an accident, at $1,495 per year. However, it covers specifically the military community.
American Family is the cheapest option for drivers with a speeding ticket at $2,166 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 |
|---|---|---|---|
| American Family | $1,752 | $2,580 | $2,166 |
| Farmers | $2,232 | $3,858 | $2,452 |
| Allstate | $2,478 | $3,481 | $2,701 |
| State Farm | $2,522 | $2,954 | $2,738 |
| Travelers | $2,164 | $3,038 | $3,146 |
| GEICO | $1,998 | $3,335 | $3,341 |
| Progressive | $2,587 | $4,656 | $3,417 |
| Nationwide | $2,408 | $4,065 | $4,120 |
| USAA | $1,058 | $1,495 | $1,243 |
*USAA offers car insurance only to military members, veterans, and their families.
Compare auto insurance rates by city in Washington
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Washington will impact what you pay. Below, we've gathered Washington car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Seattle | $1,910 |
Car insurance premium trends in Washington
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Washington to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Washington car insurance rates with other states
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