BestCar InsuranceWashingtonBest Car Insurance in Washington (May 2023)
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The best car insurance company in Washington for full coverage and minimum coverage is Chubb. It's also a good option for young adults, seniors, drivers with offenses and those seeking the best customer service. If you have a new car, we recommend Travelers. USAA is our top pick for military members.
If affordability is your primary concern, we've listed the cheapest Washington car insurance.
BestCar InsuranceWashingtonBest Car Insurance in Washington
Best Overall - Chubb
Best for Service - Chubb
Best for Minimum Coverage - Chubb
Best for Young Adults - Chubb
Best for Seniors - Chubb
Best for Driving Offenses - Chubb
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Washington
Based on MoneyGeek's analysis, Chubb is the leading insurer among full coverage car insurance firms in Washington. Among Washington's best car insurance providers, we found the following two companies ranked the highest:
- Chubb: MoneyGeek score of 93 out of 100 ($1,026 per year)
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($696 per year)
Chubb has a competitive edge over its major competitors because of its excellent customer service and claims reputation. You can also save money on full coverage auto insurance in Washington by shopping around and comparing quotes.
1
Capital Insurance GroupBest Overall
Score:89
Among the best auto insurance companies in Washington, Capital Insurance Group placed second due to its affordability and stellar customer satisfaction ratings. Capital Insurance offers a full coverage policy at an average of $696 per year — the second cheapest available option in the state. It offers custom parts coverage as an add-on.
More About Capital Insurance Group
Capital Insurance Group provides very few add-on coverages, including roadside assistance, customer parts coverage and full glass coverage. Custom parts coverage covers the cost of replacing name-brand auto parts with similar parts, while full glass coverage offers convenient come-to-you auto glass repair. Roadside assistance can help you if your car breaks down, such as arranging towing, changing a flat tire and jump-starting a dead battery.
Customer satisfaction levels from this company have been rated highly by J.D. Power. Capital Insurance Group has the highest customer satisfaction rating of 13 competitors in Washington. It also received an impressive rating for claims management, which means the insurer typically resolves claims quickly and fairly.
2
Capital Insurance Group
Score:89
Among the best auto insurance companies in Washington, Capital Insurance Group placed second due to its affordability and stellar customer satisfaction ratings. Capital Insurance offers a full coverage policy at an average of $696 per year — the second cheapest available option in the state. It offers custom parts coverage as an add-on.
More About Capital Insurance Group
Capital Insurance Group provides very few add-on coverages, including roadside assistance, customer parts coverage and full glass coverage. Custom parts coverage covers the cost of replacing name-brand auto parts with similar parts, while full glass coverage offers convenient come-to-you auto glass repair. Roadside assistance can help you if your car breaks down, such as arranging towing, changing a flat tire and jump-starting a dead battery.
Customer satisfaction levels from this company have been rated highly by J.D. Power. Capital Insurance Group has the highest customer satisfaction rating of 13 competitors in Washington. It also received an impressive rating for claims management, which means the insurer typically resolves claims quickly and fairly.
3
Chubb
Score:84
Even though Chubb's auto insurance premiums are relatively high, its customer service and claims management reputations are fantastic. Policy costs from Chubb for full coverage in Washington average $1,026 annually. Several additional coverages are available, including diminished value and original equipment manufacturer (OEM) coverage.
More About Chubb
A few rare coverages are available through Chubb, such as coverage for diminished value and OEM. With Chubb's Agreed Value add-on, you agree to what your car is worth when you buy your insurance policy, and the company will give you a check for that value in case of theft or total loss. OEM coverage ensures that repairs will be made using original equipment from the vehicle’s manufacturer.
You can rent the same type of car that you own with the company's rental car and/or travel reimbursement option. The coverage has no daily limit, with a maximum limit of $5,000.
4
Chubb
Score:84
Even though Chubb's auto insurance premiums are relatively high, its customer service and claims management reputations are fantastic. Policy costs from Chubb for full coverage in Washington average $1,026 annually. Several additional coverages are available, including diminished value and original equipment manufacturer (OEM) coverage.
More About Chubb
A few rare coverages are available through Chubb, such as coverage for diminished value and OEM. With Chubb's Agreed Value add-on, you agree to what your car is worth when you buy your insurance policy, and the company will give you a check for that value in case of theft or total loss. OEM coverage ensures that repairs will be made using original equipment from the vehicle’s manufacturer.
You can rent the same type of car that you own with the company's rental car and/or travel reimbursement option. The coverage has no daily limit, with a maximum limit of $5,000.
How the Best Insurers in Washington Rank: MoneyGeek Scores and Costs
Based on an evaluation of 13 auto insurance companies, we found that Chubb provides excellent customer service and top-notch claims management. Capital Insurance Group, the runner-up, is significantly cheaper than Chubb, but it scored lower on claims management and coverage options. While PEMCO was the cheapest provider, it fell short in several other categories.
A MoneyGeek score could only be generated for an insurer if we had sufficient data for each individual scoring component.
Best Car Insurance in Washington for Customer Service
Chubb is a great option for people in Washington who value quality service regardless of price. These are the two best picks when it comes to insurers with excellent customer service:
- Chubb: MoneyGeek score of 93 out of 100 ($1,026 per year)
- American Family: MoneyGeek score of 89 out of 100 ($972 per year)
Chubb ranked second in terms of customer satisfaction and first for claims management. Despite Chubb's high auto insurance rates, it offers a variety of discounts to help consumers save money.
pros
Ranked number 2 for customer satisfaction out of 14 insurers
Best claims management reputation in Washington
Provides original equipment manufacturer (OEM) coverage
cons
More expensive than most insurers
Few add-on coverages available
No gap insurance or roadside assistance
COMPANY HIGHLIGHTS
Antique and classic car insurance is available from Chubb for vehicles that are over 30 years old, part of a car collection or limited-production models. Furthermore, vehicles must be kept in a garage and only used for hobby purposes, which may include car shows, exhibitions, car club activities and parades.
When it comes to paying claims fairly and efficiently, Chubb really stands out, as it earned the highest score in Washington in this metric. We also always appreciate Chubb’s customer support, with friendly, helpful representatives who are easy to contact. While Chubb’s prices can be offputting, we think this company does enough in other areas to earn your business.
What Makes an Insurer the Best for Customer Service?
Auto insurance providers should provide excellent customer service, particularly in case of a claim. The claims management and customer service scores for Chubb were significantly higher than those for American Family, our runner-up in this category. However, American Family is slightly cheaper and has more coverage options than Chubb. Overall, these are both great options, but we prefer Chubb for customers who prioritize quality service.
Best Car Insurance in Washington for Minimum Coverage
Based on Washington's standard liability requirements, Chubb is your best bet for minimum liability coverage. The top two companies were determined based on customer satisfaction and cost-effectiveness.
- Chubb: MoneyGeek score of 93 out of 100 ($453 per year)
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($321 per year)
Chubb ranks number one in claims management and second in customer satisfaction in our analysis. Most drivers consider a minimum coverage policy in Washington to be the most cost-effective option, but it provides little protection against third-party liability costs and no protection for your own vehicle.
pros
Affordable minimum coverage policy averaging $453
Ranked number 1 on claims processing and number 2 on customer satisfaction out of 13 insurers
Offers discounts bundling, defensive driving and VIN etching
cons
Few coverage options available
COMPANY HIGHLIGHTS
According to our research, Chubb ranks highest in claims management and second for customer satisfaction. With a premium of $453 per year, it ranks sixth among 13 insurers in terms of the cheapest premium.
Adding anti-theft devices and anti-lock brakes to your car and bundling your policies are just some of the discounts Chubb offers. You can also get a discount by installing daytime running lights on your vehicle, something not all insurers offer.
Chubb offers some rare discounts, including those for VIN etching and installing an electronic GPS tracking device in your vehicle. Most competitors do not offer these discounts, so they offer a unique way for you to save some money with Chubb.
What Makes an Insurer the Best for Minimum Coverage?
A minimum coverage car insurance policy only meets the state's required coverage limits and is cheaper than a full coverage policy. With strong ratings for claims management and customer satisfaction, Chubb is a great choice. Although there are cheaper options available, Chubb offers top-notch service quality and discounts that make it a reasonable option for auto insurance. With its minimum coverage policies, Chubb proves that even an affordable insurer can provide good service.
Best Car Insurance in Washington for Young Adults
For young adults in Washington, Chubb offers the best auto insurance. Washington drivers in their 20s can expect the best value for their money from the following companies:
- Chubb: MoneyGeek score of 93 out of 100 ($1,384 per year)
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1,030 per year)
Drivers in their 20s typically pay much lower rates than teens but considerably more than middle-aged drivers. To save more on car insurance, you should compare rates to find the best rates in Washington for young drivers.
pros
Number 1 for claims management
Number 2 for customer satisfaction
cons
Third most expensive provider out of 13 insurers
No good student, distant student or driver’s ed discounts
COMPANY HIGHLIGHTS
Chubb is our top pick for the best auto insurance for young adults in Washington for its exceptional ratings in claims management and customer satisfaction.
Unfortunately, Chubb does not offer several of the most popular discounts for young drivers, such as good student, distant student and driver’s education discounts. However, it offers a defensive driving discount for completing an accident prevention or defensive driving course. Taking these precautions will help you lower your insurance premium while ensuring your safety behind the wheel.
What Makes an Insurer the Best for Young Adults?
Choosing an insurer should be based on factors like cost, customer service and claims management. Chubb excels in customer support, which is why J.D. Power reviews the company’s policies so favorably. While it may not have many coverages or discounts specifically tailored to young adults, Chubb still gets enough things right to earn our top spot in this category.
Best Car Insurance in Washington for Seniors
For senior drivers in Washington, Chubb offers the best car insurance. It scores highly in service quality, claims management and affordability.
- Chubb: MoneyGeek score of 94 out of 100 ($857 per year)
- Capital Insurance Group: MoneyGeek score of 93 out of 100 ($622 per year)
Due to its quality and reliability, this insurer is a great option for senior drivers. 60-year-olds are likely to pay similar rates to middle-aged adults, but drivers in their 70s are typically subject to escalating rates. You can save money by comparing cheap auto insurance quotes in Washington for seniors from multiple companies.
pros
Ranked number 1 for claims management
Ranked number 2 for customer satisfaction
Affordable policies averaging $857
cons
Not many coverage options
Doesn’t offer a senior discount
COMPANY HIGHLIGHTS
Chubb's exceptional ratings in claim management and customer satisfaction make it our top choice for the best auto insurance for seniors in Washington. The company also offers reasonably priced premiums for senior drivers.
Though there aren't many to choose from, it offers a few valuable coverages. Rental car reimbursement from Chubb covers the cost of renting the same type of vehicle you own if your car is in the repair shop. Unfortunately, Chubb does not offer roadside assistance coverage, which is often helpful for senior drivers.
In addition, unlike many competitors, Chubb does not have a specific discount for senior drivers. That said, seniors can still save money with Chubb, thanks to its various discounts for things like bundling home and auto insurance or installing anti-theft systems in their vehicles.
What Makes an Insurer the Best for Seniors?
Chubb is a great option for seniors because it offers affordable rates paired with outstanding service and efficient claims management. Drivers in their 60s are usually safer than drivers in other age groups, so they often pay lower premiums as a result. That said, they are at a higher risk of serious injury in a crash, so seniors should prioritize affordable full coverage policies with personal injury protection (PIP).
Best Car Insurance in Washington for Drivers With Offenses
From our research, we conclude that Chubb is the cheapest insurer for Washington drivers with violations. Based on customer service and affordability for these drivers, our recommendations are as follows:
- Chubb: MoneyGeek score of 94 out of 100 ($1,243 per year)
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1,053 per year)
Among 13 insurers, Chubb ranks first in claims management and second in customer satisfaction.
On average, speeding tickets increase insurance costs in Washington by $221, at-fault accidents increase rates by $480 and DUIs raise premiums by $597.
pros
Ranks number 1 in claims management
Ranks number 2 in customer satisfaction
cons
Few coverage options
Ranks 7th out of 13 insurers for affordability
No roadside assistance, accident forgiveness or new car replacement coverage
COMPANY HIGHLIGHTS
If you have a violation or offense on your record, Chubb has some options for you. Customer service and claims management are among its best attributes, as it ranks at or near the top of all Washington insurers for these two categories.
If you have a bad driving record, Chubb offers rental car and/or travel reimbursement coverage. This optional add-on covers the cost of your rental vehicle while your car is in the repair shop. It’s an excellent option for drivers with violations. However, Chubb does not offer any of our other three favorite add-ons for bad driving records: roadside assistance, accident forgiveness and new car replacement coverage.
What Makes an Insurer the Best for Drivers With Offenses?
If you have a bad driving record, you may have trouble finding an insurance provider that will provide you with adequate coverage at a fair price. You will probably pay higher rates due to your greater risk of further violations and accidents. A good insurance company for these drivers offers discounts and features to help reduce the impact of mistakes. Chubb’s excellent reputation for customer service and claims made it our top pick in this category.
Best Car Insurance in Washington for Drivers With New Cars
MoneyGeek ranked Travelers as the best insurance company for drivers with new cars after analyzing insurers that offer new or better car replacement coverage. We recommend the following options:
- Travelers: MoneyGeek score of 87 out of 100 ($937 per year)
- Kemper: MoneyGeek score of 80 out of 100 ($821 per year)
Among its competitors, Travelers offers reasonable premiums and a strong claims management reputation. It has new car replacement coverage as an optional add-on (if your car is totaled, they’ll replace it with a new model).
pros
Reasonable premiums averaging $937
Ranked 1st for claims management
Offers new car replacement coverage
cons
No deductible modification coverage available
COMPANY HIGHLIGHTS
Under Travelers’ Premier New Car Replacement program, if your car is less than five years old and declared a total loss in a collision, Travelers will replace it with a brand-new car of the exact same make and model. A new car starts to depreciate the moment you drive it off the lot, so this coverage can save you a lot of money if you ever need to use it.
Travelers gap insurance pays for the difference between your remaining loan or lease and the actual value of the vehicle, which can be a rewarding add-on for new-car drivers. Travelers also offers an uncommon discount for owners of new vehicles. If you add its new vehicle discount, you’ll receive decreased premiums for driving a car that is less than three years old.
What Makes an Insurer the Best for Drivers With New Cars?
It's important for drivers who have just bought a new car to have the right insurance. For these drivers, the best insurance companies will cover car replacement with new or better models. With Travelers, drivers of new cars can get this coverage at an affordable price. This, combined with its outstanding claims management reputation, earned it the top spot in this category.
Best Car Insurance in Washington for Military Drivers
With an overall MoneyGeek score of 94 out of 100, USAA is the best car insurance company for military members in Washington. The average annual premium is $561, making it the second cheapest option. USAA offers high-quality insurance that’s specifically tailored to meet the needs of service members.
pros
Ranks number 2 in affordability ($569/year)
Ranked number 1 in customer satisfaction
Offers accident forgiveness coverage
cons
Not many coverage options
No gap insurance, deductible modification or new car replacement coverage available
COMPANY HIGHLIGHTS
USAA offers highly affordable policies with incredible customer service, making it our top pick for military drivers in Washington. The main negative aspect of USAA’s car insurance is its lack of coverage options.
USAA policyholders who have been with the company for five years can get accident forgiveness and won't have to worry about a rate increase. There are also a bunch of discount options you can use to cut your premiums. For instance, USAA offers a military discount for soldiers who garage their vehicles on base. You can also save money with the company’s discounts for loyalty, defensive driving and safe driving.
How to Find the Best Car Insurance in Washington for You
Your car insurance decision will have a big impact on your finances. Washington car insurance is a complex topic that includes factors like cost, customer service and claims management reputation. To help you decide which auto insurance company is best for you, we rounded up all the relevant info. Here are the steps you can complete to supplement our research with your own.
1
Research customer service reputations in Washington
MoneyGeek compared Washington auto insurers using data from multiple providers. The Washington Office of the Insurance Commissioner, J.D. Power satisfaction scores and NAIC complaint ratios are all great resources for finding more information about insurance providers online.
2
Compare quotes
MoneyGeek gathered info on auto insurance companies in several regions within Washington. Depending on where you live, your rates may vary. It's always a good idea to compare quotes from three or more companies to find the coverage you want at a price you can afford.
3
Find the coverages you want in Washington
Insurance companies will sometimes advertise specific coverages or discounts that are not offered in all states. Always ask the insurer if the coverages and discounts you want are available in Washington.
4
Check financial stability ratings
Instability in a company's finances can delay claims, so check their financial stability ratings. Major insurance companies tend to have greater financial strength and stability than their smaller, regional counterparts.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Washington
You should consider your individual needs when choosing a car insurance policy. By answering some of the most common questions about car insurance in Washington, we're here to help you find the policy you're looking for.
About Mark Fitzpatrick
