Average cost of car insurance in Washington

The average car insurance rate in Washington is $1,608 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 $438.

Best car insurance companies in Washington

PEMCO is the best auto insurance company in Washington, based on analysis by Insurance.com, with an overall rating of 3.39. Geico is the second-best with an overall rating of 3.37.

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
Company AM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
PEMCOB++$1,3268310.243.39
GeicoA++$1,1717970.913.37
TravelersA++$1,5038100.493.35
State FarmA++$1,7948210.73.14
NationwideA+$1,6588100.643.01
AllstateA+$1,7667830.652.96
FarmersA$1,7147960.82.84
American FamilyA$1,7508201.12.56
ProgressiveA+$2,5548070.652.48

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 $853 annually or $71 a month, on average, for full coverage, but it has eligibility requirements. Geico is the cheapest company overall and is open to all drivers, with an average annual rate of $1,171 for full coverage in Washington.  

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAA*$226$387$853
Geico$296$473$1,171
PEMCO$158$351$1,326
Travelers$398$713$1,503
Nationwide$496$792$1,658
Farmers$450$868$1,714
American Family$709$1,109$1,750
Allstate$639$927$1,766
State Farm$410$741$1,794
Progressive$595$947$2,554

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

Auto insurance calculator

Average auto insurance rates in Washington
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
98125 - Seattle
For a 30-year-old male
$51 State minimum
$126 Full coverage
$65 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Washington

Most Expensive

Zip CodeCityHighest Rate
98108Boulevard Park$141
98118Seattle$140
98144Seattle$138
98168Boulevard Park$137

Least Expensive

Zip CodeCityLowest Rate
98261Lopez Island$90
98250Friday Harbor$90
98221Anacortes$91
98362Port Angeles$91

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.

PEMCO offers the cheapest car insurance for teen drivers in Washington at $3,514 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 $1,213 per year and $1,142 per year. You can save more with USAA if you are eligible.

Cheapest car insurance by age in Washington
Age Company Avg annual premium 
Teens (16-19)PEMCO$3,514
Teens (16-19)Travelers$4,100
Teens (16-19)USAA*$4,205
Teens (16-19)Farmers$4,670
Teens (16-19)American Family$4,701
Teens (16-19)State Farm$4,794
Teens (16-19)Geico$5,008
Teens (16-19)Nationwide$6,019
Teens (16-19)Allstate$6,580
Teens (16-19)Progressive$8,874
Young Adults (20-24)USAA*$1,389
Young Adults (20-24)PEMCO$1,984
Young Adults (20-24)Geico$2,150
Young Adults (20-24)Farmers$2,160
Young Adults (20-24)Travelers$2,309
Young Adults (20-24)American Family$2,316
Young Adults (20-24)Allstate$2,603
Young Adults (20-24)Nationwide$2,690
Young Adults (20-24)State Farm$2,936
Young Adults (20-24)Progressive$4,299
Adults (25-60)USAA*$862
Adults (25-60)Geico$1,213
Adults (25-60)PEMCO$1,451
Adults (25-60)Travelers$1,520
Adults (25-60)Farmers$1,628
Adults (25-60)Nationwide$1,642
Adults (25-60)Allstate$1,748
Adults (25-60)American Family$1,755
Adults (25-60)State Farm$1,806
Adults (25-60)Progressive$2,547
Seniors (65-75)USAA*$977
Seniors (65-75)Geico$1,142
Seniors (65-75)Travelers$1,512
Seniors (65-75)Nationwide$1,516
Seniors (65-75)PEMCO$1,655
Seniors (65-75)State Farm$1,741
Seniors (65-75)Farmers$1,810
Seniors (65-75)Allstate$1,856
Seniors (65-75)American Family$2,021
Seniors (65-75)Progressive$2,726

*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 recordAccidentSpeeding Ticket
USAA*$895$1,408$1,096
Geico$1,149$2,264$1,973
Auto-Owners$1,176$1,549$1,661
Nationwide$1,227$1,973$1,724
Kemper Insurance$1,243$2,742$4,124
Travelers$1,326$1,996$1,965
State Farm$1,360$1,614$1,487
Progressive$1,427$3,461$1,980
Farmers$1,616$2,388$2,065
Allstate$1,665$2,514$1,841
American Family$1,780$2,116$2,234

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

Compare auto insurance rates by city in Washington

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Washington.

CityAnnual insurance premium
Seattle
$1,910

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 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.

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