GEICO ranks as Washington's best car insurance company, earning a MoneyGeek score of 4.65 out of 5 for its strong mix of affordable rates and quality service. Since every driver has unique needs, we also recommend checking out Travelers, State Farm, Progressive and Farmers.
Best Car Insurance in Washington
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Washington is GEICO, ranking first in affordability.
State Farm offers excellent coverage for senior drivers in Washington while Travelers is the top choice for young drivers.
To find the right coverage in Washington, determine your needs first, research provider ratings and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Washington
| GEICO | 4.65 | $67 | 6 | 6 |
| Travelers | 4.54 | $81 | 1 | 4 |
| State Farm | 4.51 | $74 | 3 | 6 |
| Progressive | 4.49 | $81 | 2 | 2 |
| Farmers | 4.47 | $78 | 10 | 1 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Washington by Driver Profile
State Farm offers the lowest rates in five out of ten driver categories in Washington. Travelers leads in three categories including young drivers and bad credit, while GEICO provides the best rates for drivers with older cars.
| Young Drivers | Travelers | 3 | 1 | 4 |
| Adult Drivers | State Farm | 2 | 3 | 6 |
| Senior Drivers | State Farm | 1 | 3 | 6 |
| Drivers With an Accident | State Farm | 1 | 3 | 6 |
| Drivers With a DUI | State Farm | 1 | 3 | 6 |
| Drivers With a Speeding Ticket | State Farm | 1 | 3 | 6 |
| Drivers With Bad Credit | Travelers | 4 | 1 | 4 |
| Drivers With Low Income | Travelers | 4 | 1 | 4 |
| Drivers With Newer Cars | Travelers | 2 | 1 | 4 |
| Drivers With Old Cars | GEICO | 1 | 6 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Washington Car Insurance Recommendations
Our general recommendations might not match your unique profile. Compare our top five Washington providers below to find coverage that fits your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.66 | $248 | 1 | 4 |
| Pemco Insurance | 4.48 | $219 | 4 | 7 |
| National General | 4.33 | $187 | 11 | 6 |
| Allstate | 4.24 | $302 | 8 | 3 |
| Nationwide | 4.19 | $313 | 7 | 4 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Washington Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
GEICO
Best Cheap Overall in Washington
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$96For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$39For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
Travelers
Best Customer Experience in Washington
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
5/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Cost
$109For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$53For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Washington
Finding the right car insurance in Washington can be challenging. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance while meeting Washington required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Washington to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also lead to additional savings on your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Find and look over customer feedback and review company coverage options.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance and pay-per-mile policies that might better suit your situation. If you need an SR-22 in Washington, remember that provider recommendations may differ for your circumstances.
- 5
Compare plenty of quotes through multiple means
You can find the cheapest option possible by looking at quotes from insurers and online.
- 6
Reassess annually
Review your coverage each year and shop for new quotes to find the best deal.
Best Washington Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. GEICO is the top-rated company overall, while Travelers and State Farm are also good options for drivers in Washington.
Best Auto Insurance in Washington: FAQ
Car insurance needs vary by driver, so we've answered common questions to help you find coverage that matches your situation and budget.
What is the best car insurance company in Washington?
GEICO ranks as the best car insurance company in Washington, with a MoneyGeek score of 4.65 out of 5 and an average monthly premium of $96 for full coverage.
What is the best car insurance company for minimum coverage in Washington?
State Farm leads for minimum coverage in Washington with an average rate of $450 per year.
What is the best car insurance in Washington for young drivers?
Travelers provides excellent insurance coverage for young adults in Washington, combining competitive rates and reliable service with an average monthly premium of $104.
What is the best car insurance for Washington drivers who value customer service?
Travelers ranks highest for customer experience in Washington with a score of 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling processes.
What is the best car insurance in Washington if you have driving offenses?
State Farm leads insurance options for Washington drivers with violations, offering monthly rates of $41 for minimum coverage and $118 for full coverage policies.
How We Rated the Best Car Insurance in Washington
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Washington. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Washington. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Washington-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.