Best Car Insurance in Washington

GEICO earns Washington's top rating with a perfect 5.0 affordability score and 4.4 customer experience rating. Drivers with older vehicles pay the lowest rates at $34 monthly for minimum coverage. Military members and federal employees save through substantial discounts available statewide.

GEICO's coverage extends past basic liability and collision to include pet injury protection, custom parts coverage, and mechanical breakdown insurance. With a 3.3 out of 5 coverage score, GEICO provides solid protection options. Washington drivers get roadside assistance and rental reimbursement, critical for the state's high car theft rates and severe weather.

Customer service operates 24/7 through GEICO's mobile app for filing claims, tracking progress, and accessing digital ID cards. Average premiums run $67 monthly across all coverage types, with full coverage starting at $96 per month. Most interactions happen digitally without local agents, though customers report efficient claims processing and fast response times.

Read our review: GEICO Car Insurance Review

Travelers works best for young drivers and low-income customers in Washington. Young drivers pay an average of $166 monthly ($1,997 annually), and low-income drivers pay $106 monthly ($1,267 annually). Our Travelers review shows strong performance across key metrics.

Coverage options include liability, collision, comprehensive, plus specialized protection for pet injuries, custom parts, and loan/lease gaps. With a 4.1 out of 5.0 coverage score, Travelers also provides roadside assistance and rental car reimbursement for Washington's weather conditions and car theft risks.

Customer experience scores 5.0 out of 5.0. Support runs 24/7 through multiple Washington offices, but peak-hour wait times can stretch longer than expected. The mobile app handles digital ID cards, bill payments, and claims reporting.

Read our review: Travelers Car Insurance Review

State Farm offers Washington's cheapest rates for drivers with violations, plus strong coverage options. Beyond liability and collision, you can add pet injury protection for vet expenses, gap insurance for loans/leases, and custom parts coverage. Flexible policy management lets you adjust coverage limits and add uninsured motorist protection through the mobile app. With a coverage score of 3.3 out of 5, State Farm ranks 6th among competitors for protection options.

Customer service scores 4.5 out of 5, ranking third statewide. The Pocket Agent app handles claims filing, photo uploads, and progress tracking. Local agents give personalized support, and 24-hour customer service runs round-the-clock. Customers praise swift claim resolution for Washington's weather damage, but settlement wait times vary. Local agent assignments create service consistency.

Rates beat competitors across driver categories: adults pay $72 monthly average, seniors pay $81 monthly. Drivers with violations get affordable coverage at $85 monthly for accidents and $79 monthly for DUI or speeding tickets. Drive Safe & Save cuts premiums up to 30% through telematics tracking. An affordability score of 4.7 out of 5 reflects the average $889 annual premium.

Read our review: State Farm Car Insurance Review