The Best Car Insurance in Washington for 2022
GEICO is the top car insurance company in Washington. It is the most financially stable and affordable insurer in the state. MoneyGeek uses these categories, along with claims rating and customer satisfaction reputation, to determine the best auto insurance in Washington.
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MoneyGeek compared various policies and determined GEICO to be the top car insurance company in Washington overall. What’s best for you, however, depends on your needs. We listed the best auto insurance companies in Washington for drivers who want to focus on customer service, those with at-fault accidents, those in the military and more.
MoneyGeek also listed the most affordable car insurance companies in Washington if you prioritize affordability over service quality.
The Best Car Insurance in Washington
Best Car Insurance Companies in Washington: Overall
MoneyGeek determined the companies offering the best car insurance in Washington using user satisfaction, financial stability, average rates and claims ratings. The two providers that came out on top are:
- GEICO: MoneyGeek score of 4.1 out of 5
- State Farm: MoneyGeek score of 4.1 out of 5
Although excluded from this analysis, USAA has a MoneyGeek score of 5 out of 5, making it the top auto insurance company in Washington. Its policies, however, are not widely available because you have to be a veteran or on active military duty to purchase them
The Top 5 Car Insurance Companies in Washington
GEICO ranks first for financial stability and affordability, with an average annual rate of $821. It comes in fifth for claims processing and second for customer satisfaction. GEICO offers mechanical breakdown insurance as an add-on coverage.
You can include mechanical breakdown insurance in your policy for an additional amount. It's typically more affordable than a dealer's standard extended warranty and covers more parts and systems. This coverage applies to cars less than 15 months old with less than 15,000 miles. GEICO also offers accident forgiveness, which ensures your rates won’t increase following an at-fault accident after five years of being claim-free.Read MoneyGeek's GEICO auto Insurance Review
For an average of $956, you can purchase insurance from State Farm. It ranks first for claims processing, second for customer satisfaction, third for affordability and fourth for financial stability. You can choose to add rideshare insurance to your policy.
Rideshare insurance extends several coverages in your policy, such as medical, emergency roadside assistance and rental car reimbursement, when your ridesharing app is on and available for hire. Once you’re matched or transporting a rider, the only coverage that doesn’t apply is liability coverage. State Farm also offers rental car and travel reimbursement. This covers car rentals up to chosen limits, along with travel expenses up to $500.Read MoneyGeek's State Farm auto Insurance Review
Progressive charges an average of $920 for car insurance in Washington. In MoneyGeek’s analysis, Progressive ranks first for claims processing, second for financial stability and affordability and sixth for customer satisfaction. Progressive offers custom parts coverage as an add-on option to your policy.
Progressive’s custom parts and equipment (CPE) coverage repairs or replaces after-market accessories added to your car. These may include navigation systems, an upgraded stereo system or custom wheels. The company also offers rideshare insurance that protects you while you’re waiting to receive a ride request.Read MoneyGeek's Progressive auto Insurance Review
An Allstate policy costs an average of $1,143 in Washington. Compared to other car insurance companies in Washington, Allstate ranks first for claims processing. It comes in second for financial stability and customer satisfaction. Allstate offers portable electronics and media coverage.
Portable electronics and media coverage protects you against costs from the loss of items used with an auto sound system. These include tapes, CDs or other similar items. Custom parts coverage is also available, which covers a loss to custom equipment, including special carpeting, bars, height-extending roofs, custom decals and more.Read MoneyGeek's Allstate auto Insurance Review
American Family’s average auto insurance rate in this state is $1,371. Among several auto insurance companies in Washington, American Family ranks first in customer satisfaction, fifth in claims processing and fourth in financial stability. An add-on coverage you can purchase is original equipment manufacturer (EOM) coverage.
Original equipment manufacturer (OEM) coverage ensures that repair centers do not use aftermarket parts if your car needs repairs. It guarantees that any part used comes directly from your car’s manufacturer. The company also offers rideshare insurance to protect Uber and Lyft drivers.Read MoneyGeek's American Family auto Insurance Review
MoneyGeek gathered quotes to determine which companies offer the best full coverage car insurance in Washington to complete this analysis. When you apply for a quote, your rate may differ due to your details. MoneyGeek used data from J.D. Power and the NAIC to determine rankings for user satisfaction and claims processing, respectively. Our methodology page provides more information about policies, driver profiles and assumptions.
MoneyGeek's Washington Car Insurance Resources:
Compare the Best Insurance Options in Washington
MoneyGeek determined the best auto insurance companies in Washington using financial stability, quality of service, claims processing and cost. It's best to find an insurer that offers a combination of these factors and provides the coverages that fit your needs. You can read in-depth reviews of the best car insurance companies in Washington from MoneyGeek, allowing you to compare them directly.
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Best Car Insurance in Washington for Customer Service
For drivers who focus on customer service, MoneyGeek evaluated Washington insurance carriers excluding their rates. Using only user satisfaction and claims ratings, the two best auto insurance companies in Washington are:
- The Hartford: MoneyGeek score of 4.7 out of 5
- Allstate: MoneyGeek score of 4.1 out of 5
It’s crucial to note that Allstate's policies tend to be on the higher end of the cost spectrum, which means you're paying more to get high-quality service.
The Top 2 Car Insurance Companies in Washington for Service Quality
The Hartford ranks first for customer satisfaction and claims, making it the top car insurance company in Washington if we don't consider rates.
You can add full glass coverage to your Hartford policy. It protects you from costs from headlight, window and mirror repairs without applying your deductible. Another add-on is rideshare insurance, which can protect you while you’re working for ridesharing companies like Lyft or Uber.Read MoneyGeek's The Hartford auto Insurance Review
The second-best car insurance company in Washington for customer service is Allstate. It ranks third for customer satisfaction and second for claims processing. The trade-off when purchasing car insurance from Allstate is cost. With an annual rate of $1,143, you are paying a bit more for better service.
With Allstate’s sound system coverage, you’ll receive coverage for your permanently installed sound system, including your antenna and other components. Allstate’s Ride for Hire option provides coverage for rideshare drivers when the app is on and you’re waiting for a passenger request.Read MoneyGeek's Allstate auto Insurance Review
Best Car Insurance in Washington for Drivers on a Budget
If budget is the primary consideration and you’re looking for cheap car insurance in Washington, MoneyGeek also examined the most affordable options. We evaluated providers using their rates for policies meeting the state’s minimum car insurance requirement.
The two best auto insurance companies in Washington for policies meeting the state minimum are:
- GEICO: MoneyGeek score of 4.1 out of 5
- State Farm: MoneyGeek score of 4.1 out of 5
MoneyGeek’s analysis considered how insurance companies balanced costs for a state minimum coverage policy and good customer service.
MoneyGeek’s Pick: GEICO
Offers a minimum coverage policy for $451 per year on average
Makes several discounts available for safe driving, having an anti-theft system and seat belt use
User satisfaction rating of 4 out of 5
Doesn’t offer discounts for paying your premium in full or going paperless
Claims rating of 3.5 out of 5
GEICO offers several discount programs. You can get lower rates by bundling your car insurance with home or renters’ insurance. You can also choose to insure more than one car with GEICO to get a discount.
You can find discounts with GEICO that aren’t often available from other insurance companies. If your car has daytime running lights or anti-lock brakes, these may result in lower policy rates.
Best Car Insurance in Washington for Poor Driving Records
MoneyGeek analyzed several providers to determine which companies offered the best auto insurance in Washington for drivers with an at-fault accident on their record. Based on the results, the top auto insurance companies in Washington for this driver profile include:
- State Farm: MoneyGeek score of 4.2 out of 5
- Allstate: MoneyGeek score of 4.2 out of 5
MoneyGeek considered both affordability after an accident and quality of service in its evaluation.
MoneyGeek’s Pick: State Farm
The average cost for drivers with bad records is $1,130 per year
Offers add-on coverages for roadside assistance and rental car reimbursement
Has a claims rating of 4 out of 5
Has a customer satisfaction rating of 4 out of 5
Coverage for accident forgiveness, new car replacement and better car replacement are not available
State Farm is the top auto insurance company in Washington for drivers with an at-fault accident in their record. Its ratings for claims processing and customer service are both 4 out 5. You can purchase a policy from State Farm for $1,130 per year on average.
You can also choose to include these additional coverages to your policy:
- Roadside Assistance: This coverage pays for an hour’s worth of mechanical labor where your car broke down and towing to move it to a different location for repairs. It also pays for the delivery of gas, oil, a battery or tires, but you’ll have to pay for the cost of the items yourself.
- Rental Reimbursement: State Farm covers rental expenses up to your policy limits, as well as meals, lodging and transportation costs of up to $500. If you cause an accident using your rental car, it repays you $500 of your deductible.
Best Car Insurance in Washington for a Military Background
MoneyGeek’s scoring system found USAA to be the best car insurance company in Washington for veterans and military members. It scored a 5 out of 5 in all categories, making its overall scores higher than all other car insurance providers in Washington. A full coverage policy costs $638 per year on average. If you’re looking for a policy meeting Washington’s minimum car insurance requirements, USAA offers one for an average of $324. A driver with an at-fault accident can get car insurance for around $902.
USAA’s options are typically more affordable than those offered by the top companies for similar driver profiles.
MoneyGeek’s Pick: USAA
A full coverage car insurance policy costs $638 per year on average
Offers rideshare insurance and a loyalty discount
Scored 5 out of 5 for claims processing
Scored 5 out of 5 for customer service
USAA’s policies are only available to present and former military members and their families
USAA has one of the best reputations in the country. In Washington, it is known for its affordable rates and high-quality service.
It also offers a wide array of add-on coverages and discount programs to its policies. Some of these are:
- Accident Forgiveness: If you remain accident-free for five years, USAA won’t increase your premium after your first at-fault accident.
- Rideshare Insurance: Insurance from rideshare companies sometimes does not cover the periods you’re waiting for a rider match. USAA’s rideshare insurance coverage fills that gap and ensures protection at all times.
- Vehicle Storage Discount: You can save up to 60% for storing an insured car.
- Mileage Discount: This discount lowers your rates based on how much you drive each year.
Best Car Insurance in Washington for Young Drivers and Students
Young drivers typically pay more for car insurance than other driver profiles. MoneyGeek compared policies from different providers to determine where to get the best car insurance in Washington for teens and student drivers. These are:
- GEICO: MoneyGeek score of 4.3 out of 5
- Allstate: MoneyGeek score of 3.4 out of 5
MoneyGeek’s study considered affordability and customer service in its rankings.
MoneyGeek’s Pick: GEICO
Affordable rates for adding a young driver to a policy, averaging $2,241
Driver education and good student discounts are available
User satisfaction rating of 4 out of 5
Does not offer a distant student discount
3.5 out of 5 rating for claims processing
Filing a claim is a stressful situation. It’s crucial to have an insurance company that can make the process as smooth as possible. In addition to offering reasonably priced insurance for adding young drivers and students to a policy, GEICO also prioritizes a positive customer experience.
Even though GEICO already has some of the most affordable rates in Washington, you can lower your premium further through discounts. You can get lower rates for maintaining good grades if you’re a full-time student. You can also get a lower premium if you complete a driver’s education course.
Best Car Insurance in Washington for Those With New Cars
MoneyGeek rated the top car insurance companies in Washington offering a form of new car replacement, whether it’s for a new model or a better one. It is a rare coverage and typically not by most insurance companies.
In Washington, one of the companies that offer this add-on coverage is Allstate. It has a MoneyGeek score of 4 out of 5. If your car is less than two years old, Allstate doesn’t just reimburse you for its depreciated value — they’ll replace it with a new one.
MoneyGeek’s Pick: Allstate
Offers new car replacement as an add-on coverage
Has a claims rating of 4 out of 5
Has a user satisfaction rating of 4 out of 5
Somewhat expensive average policy at $1,143 per year
Better car replacement coverage is not available
Allstate is an excellent option for drivers of new vehicles because it offers new car replacement. It means they will replace your car with a new one if it’s totaled within two years. A vehicle’s value typically decreases as soon as it leaves the dealership, so having this add-on coverage can help you get a new car if you’re unfortunate enough to get into an accident within the first two years.
Best Car Insurance in Washington for Low-Mileage Drivers
Pay-per-mile insurance is a relatively new way of structuring auto insurance. With this form of coverage, premiums are set based on the number of miles you drive. MetroMile is the best option in Washington if you seldom drive and have low mileage.
MoneyGeek’s Pick: Metromile
Provides an affordable car insurance option for car owners who don’t drive often
It may turn out to be a more expensive option for drivers with high mileage compared to a standard policy
MetroMile offers an affordable way to get car insurance in Washington for car owners who don’t drive frequently. It’s one of the few companies that focus on pay-per-mile insurance as its main product. Though it currently isn’t available nationwide, you can acquire pay-per-mile insurance through MetroMile in Washington.
Pay-per-mile insurance bases rates on mileage. This process makes it different than traditional insurance companies, which use a variety of factors to determine premiums. If you don’t drive very often and have low mileage, this may turn out to be a cheaper way to get coverage.
How to Find the Best Car Insurance in Washington in For You
There are several factors to consider when looking for the best car insurance in Washington. Besides cost, you also need to look at a company’s user experience and financial strength. MoneyGeek’s analysis provides you with this information, but you can also go through the steps on your own.
Research Customer Service Reputations in Washington
MoneyGeek gathered customer service-related data about auto insurance companies in Washington. You can get these details by looking up a company’s user satisfaction scores from J.D. Power and complaint ratios from the NAIC. Another source you can use is Washington’s Office of the Insurance Commissioner website.
Compare Quotes for Yourself
Remember that car insurance premiums vary between states. It means that average rates in MoneyGeek’s analysis are specific to sample profiles of drivers in Washington. Comparing quotes from at least three car insurance companies in Washington allows you to see if a provider can offer you rates that are lower than the state averages.
Make Sure the Company Has Coverages You Want in Washington
Most car insurance companies show the complete list of coverages and discounts on their websites. Check if those you want in your policy are available in Washington, as not all features are available in all states. It’s best to confirm with the car insurance company that they carry the coverages and discounts you want in your state.
Double-Check Financial Stability Ratings
More than customer experience, you must also look into a car insurance company’s financial strength. Large insurance companies tend to be more financially stable, which allows them to process and pay claims on time. In comparison, regional insurance companies in Washington may offer more affordable premiums but have lower financial stability scores.
FAQs About the Best Car Insurance in Washington
Drivers looking for the best car insurance companies in Washington must consider their personal needs and preferences. Knowing the answers to some of the most commonly asked questions about auto insurance may help you with your search.
MoneyGeek used a wide array of information to complete this analysis. We gathered car insurance costs in Washington in collaboration with Quadrant Information Services. The rates used the driver profile and policy described in our methodology page unless otherwise specified. J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) served as sources for data on customer satisfaction, claims satisfaction and financial strength, respectively. MoneyGeek collected coverage and discount information from various insurer websites or their respective quote tools.
About the Author
- Metromile. "In Which States Does Metromile Offer Per-Mile Insurance?." Accessed September 21, 2021.