The Best Car Insurance in Washington for 2023

COMPANY HIGHLIGHTS

With GEICO, you have various opportunities to save on car insurance premiums. You can get lower rates by bundling your car insurance with a home, renters, condo or mobile home insurance policy. You can also choose to insure more than one car with GEICO to qualify for a discount.

Additionally, you can find discounts with GEICO that aren’t often available from other car insurance providers. These include discounts for having airbags as well as installing anti-theft systems, anti-lock brakes and daytime running lights.

You are eligible for a discount if you’re a member of a partner alumni organization, professional organization, fraternity or sorority. Take note that GEICO also offers discounts to active or retired federal employees and affinity-based discounts to teachers.

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Filing a claim is often a stressful situation. This is why it’s crucial to have an insurance provider that can make the process as smooth as possible. In addition to offering reasonably priced insurance for adding young drivers and students to an auto policy, GEICO also prioritizes a positive customer service experience.

Even though GEICO already has some of the most affordable rates in Washington, you can lower your premium further through several saving opportunities. These include good student discounts (for full-time students who maintain good academic records) and driver’s education discounts (for those who completed a driver’s ed course). By taking advantage of these discounts, you can avoid exorbitant car insurance rates and pay less for coverage with GEICO.

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Although senior drivers usually pay more expensive premiums, you can get relatively reasonable rates with GEICO. This company offers a combination of affordable rates and excellent customer service.

GEICO policyholders can purchase accident forgiveness, which makes sure your rate won’t increase after your first at-fault accident. You can also add roadside assistance to your GEICO policy. This optional coverage covers the cost of changing flat tires, towing, jump-starting your battery, winching your vehicle and delivering fuel. In addition, it pays for lockout services in the event you’re locked out of your car.

Furthermore, GEICO provides discount opportunities to lower the cost of car insurance. These include discounts for seniors and defensive driving.

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State Farm is the top auto insurance company in Washington for drivers with an at-fault accident on their record. Its ratings for claims processing and customer service are both 4 out of 5. You can purchase a policy from State Farm for approximately $1,130 per year.

You can also choose to include these additional coverages in 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 cover 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.

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USAA has one of the best reputations in the country. In Washington, the company is known for its affordable car insurance rates and high-quality customer service.

It also offers a wide array of add-on coverages and discount programs to its auto 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.

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Allstate is an ideal choice for drivers of new vehicles because it offers new car replacement coverage. This means that instead of giving you a check for the depreciated value of your car, the company will replace your vehicle with a new one of the same make and model if it’s totaled within two years.

Keep in mind that a vehicle’s value tends to decrease as soon as it leaves the dealership’s lot, so having Allstate’s add-on coverage can help you get a new car of the same model and brand if you’re unfortunate enough to get into an accident within the first two years.

COMPANY HIGHLIGHTS

Metromile offers an affordable way to get auto 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.

With Metromile’s pay-per-mile insurance, your rate is based on mileage. This process makes it different from traditional insurance companies, which use a variety of factors to determine the cost of car insurance. If you don’t drive very often and have low mileage, this option may turn out to be a cheaper way to get coverage.