Compare Rates and Save on Auto Insurance

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PEMCO offers the most affordable auto insurance in Washington for most drivers. Auto-Owners also provides the cheapest rates for certain types of drivers.

If quality service and affordability matter most to you, we’ve also analyzed the best car insurance in Washington.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Washington (September 2023)

According to our research of car insurance policies that comply with Washington's minimum state requirements, the most affordable providers are:

  • PEMCO: $249 per year
  • Auto-Owners: $358 per year

In Washington, Dairyland has the highest minimum coverage car insurance rate, at an average yearly cost of $1,720.

The minimum car insurance requirement in the Evergreen State is liability coverage, which includes bodily injury per person and per accident and property damage per accident.

Company
Annual Premium
Monthly Premium

PEMCO

$249

$21

PEMCO

$269

$22

PEMCO

$309

$26

Auto-Owners Insurance Co

$328

$27

Auto-Owners Insurance Co

$358

$30

State Farm

$361

$30

State Farm

$378

$32

GEICO

$406

$34

Chubb

$449

$37

Nationwide

$487

$41

State Farm

$494

$41

Farmers

$507

$42

GEICO

$514

$43

Nationwide

$519

$43

Auto-Owners Insurance Co

$524

$44

Chubb

$529

$44

Travelers

$537

$45

GEICO

$538

$45

Farmers

$538

$45

Travelers

$543

$45

PEMCO

$561

$47

Allstate

$592

$49

PEMCO

$598

$50

Farmers

$605

$50

Allstate

$609

$51

Progressive

$610

$51

Travelers

$614

$51

American Family

$627

$52

Kemper

$635

$53

American Family

$645

$54

Allstate

$648

$54

American Family

$669

$56

Auto-Owners Insurance Co

$669

$56

Progressive

$679

$57

Kemper

$693

$58

Kemper

$698

$58

PEMCO

$705

$59

Progressive

$717

$60

Chubb

$736

$61

Auto-Owners Insurance Co

$748

$62

Nationwide

$764

$64

Kemper

$774

$65

State Farm

$780

$65

GEICO

$782

$65

Nationwide

$806

$67

Nationwide

$823

$69

State Farm

$830

$69

Chubb

$925

$77

GEICO

$933

$78

Farmers

$964

$80

American Family

$966

$80

Allstate

$971

$81

National General

$972

$81

Farmers

$974

$81

American Family

$996

$83

Travelers

$1,017

$85

American Family

$1,027

$86

Kemper

$1,040

$87

Allstate

$1,041

$87

Allstate

$1,043

$87

Progressive

$1,050

$88

Travelers

$1,065

$89

GEICO

$1,088

$91

Chubb

$1,107

$92

Auto-Owners Insurance Co

$1,107

$92

State Farm

$1,119

$93

Kemper

$1,126

$94

Progressive

$1,151

$96

Farmers

$1,161

$97

National General

$1,179

$98

Nationwide

$1,222

$102

Travelers

$1,263

$105

Progressive

$1,290

$107

National General

$1,327

$111

Chubb

$1,499

$125

Dairyland

$1,668

$139

Dairyland

$1,720

$143

National General

$1,922

$160

National General

$2,372

$198

National General

$2,396

$200

Dairyland

$2,529

$211

Dairyland

$3,359

$280

Dairyland

$3,728

$311

Dairyland

$5,384

$449

You need more than a minimum coverage policy to protect your car from damage. Such policies only cover damages or injuries you inflict on others, not damages to your car.

To be fully protected, you'll need to purchase a policy with comprehensive and collision insurance, otherwise known as a full coverage policy.

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Cheapest Full Coverage Car Insurance in Washington (September 2023)

On average, the most affordable full coverage car insurance providers in Washington are:

  • PEMCO: $561 per year
  • Auto-Owners: $748 per year

At roughly $3,728 per year, Dairyland offers the most expensive full coverage insurance in Washington.

Ensuring your car is adequately covered with comprehensive and collision insurance can come at an extra cost. For instance, PEMCO's full coverage option is $312 higher than its minimum coverage option.

A full coverage policy can provide financial protection in the event of an on-road incident, such as hitting a tree or being involved in a hit-and-run, as well as off-road incidents like flooding or storm damage.

Company
Annual Premium
Monthly Premium

PEMCO

$249

$21

PEMCO

$269

$22

PEMCO

$309

$26

Auto-Owners Insurance Co

$328

$27

Auto-Owners Insurance Co

$358

$30

State Farm

$361

$30

State Farm

$378

$32

GEICO

$406

$34

Chubb

$449

$37

Nationwide

$487

$41

State Farm

$494

$41

Farmers

$507

$42

GEICO

$514

$43

Nationwide

$519

$43

Auto-Owners Insurance Co

$524

$44

Chubb

$529

$44

Travelers

$537

$45

GEICO

$538

$45

Farmers

$538

$45

Travelers

$543

$45

PEMCO

$561

$47

Allstate

$592

$49

PEMCO

$598

$50

Farmers

$605

$50

Allstate

$609

$51

Progressive

$610

$51

Travelers

$614

$51

American Family

$627

$52

Kemper

$635

$53

American Family

$645

$54

Allstate

$648

$54

American Family

$669

$56

Auto-Owners Insurance Co

$669

$56

Progressive

$679

$57

Kemper

$693

$58

Kemper

$698

$58

PEMCO

$705

$59

Progressive

$717

$60

Chubb

$736

$61

Auto-Owners Insurance Co

$748

$62

Nationwide

$764

$64

Kemper

$774

$65

State Farm

$780

$65

GEICO

$782

$65

Nationwide

$806

$67

Nationwide

$823

$69

State Farm

$830

$69

Chubb

$925

$77

GEICO

$933

$78

Farmers

$964

$80

American Family

$966

$80

Allstate

$971

$81

National General

$972

$81

Farmers

$974

$81

American Family

$996

$83

Travelers

$1,017

$85

American Family

$1,027

$86

Kemper

$1,040

$87

Allstate

$1,041

$87

Allstate

$1,043

$87

Progressive

$1,050

$88

Travelers

$1,065

$89

GEICO

$1,088

$91

Chubb

$1,107

$92

Auto-Owners Insurance Co

$1,107

$92

State Farm

$1,119

$93

Kemper

$1,126

$94

Progressive

$1,151

$96

Farmers

$1,161

$97

National General

$1,179

$98

Nationwide

$1,222

$102

Travelers

$1,263

$105

Progressive

$1,290

$107

National General

$1,327

$111

Chubb

$1,499

$125

Dairyland

$1,668

$139

Dairyland

$1,720

$143

National General

$1,922

$160

National General

$2,372

$198

National General

$2,396

$200

Dairyland

$2,529

$211

Dairyland

$3,359

$280

Dairyland

$3,728

$311

Dairyland

$5,384

$449

The amount of car insurance you need will impact your rate. MoneyGeek's sample full coverage policy provides liability protection, including:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury
  • $100,000 per accident for property damage

If you'd like to save money on your insurance premium, you can opt for lower liability limits, forgo comprehensive and collision insurance or raise your deductible. However, you would likely need more coverage if you got into an accident.

How to Compare Cheap Washington Car Insurance Quotes Online

Finding the best car insurance quotes in Washington can be time-consuming. Most insurers provide online quote tools, but some of these can take up to 15 minutes to complete, and you may still need to compare multiple websites to find the cheapest quote.

MoneyGeek’s car insurance calculator is designed to help you get a quick estimate of your car insurance premiums without having to provide specific personal information. This is a helpful starting point for comparing car insurance quotes and finding the cheapest policy for your needs.

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Cheapest Car Insurance in Washington by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Washington. MoneyGeek found that Kemper and PEMCO offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Kemper
Cheapest for young adults: PEMCO
Cheapest for seniors: PEMCO

Cheapest Car Insurance in Washington for Teens and Their Families (September 2023)

MoneyGeek found that the most cost-effective options for teens and their families in Washington are:

  • Kemper: $1,793 per year for male teens and $1,726 per year for female teens
  • Capital Insurance Group: $2,002 per year for male teens; Allstate: $1,929 per year for female teens

Families with male teens will have the highest annual premium from Progressive, amounting to $4,323, whereas those with female teens will pay $3,912.

Generally, car insurance rates for teens decrease as they get older. Capital Insurance Group is the cheapest insurer for 19-year-old males in Washington ($1,627).

The cost of a separate policy for a 16-year-old in Washington is around $5,104 per year, whereas it only costs $2,723 to add them to their parent's existing policy — a difference of $2,381. It is generally more cost-efficient to add a teen to a parent's policy than to purchase a separate one.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Kemper

$783

$968

Nationwide

$902

$2,355

Kemper

$920

$1,270

Nationwide

$927

$2,172

Travelers

$944

$1,224

Travelers

$976

$1,278

Allstate

$1,014

$3,515

Allstate

$1,041

$1,183

GEICO

$1,046

$1,638

Travelers

$1,057

$1,371

Allstate

$1,062

$1,569

Allstate

$1,062

$1,167

GEICO

$1,089

$1,514

Travelers

$1,094

$1,418

Capital Insurance Group

$1,096

$1,103

GEICO

$1,105

$1,069

Farmers

$1,106

$1,507

Travelers

$1,114

$1,460

GEICO

$1,119

$1,192

State Farm

$1,122

$1,184

Capital Insurance Group

$1,133

$1,140

Allstate

$1,149

$1,262

Allstate

$1,157

$1,830

GEICO

$1,167

$1,129

Capital Insurance Group

$1,170

$1,177

Travelers

$1,173

$1,521

Farmers

$1,173

$1,648

Travelers

$1,176

$1,665

Capital Insurance Group

$1,202

$1,210

Travelers

$1,203

$1,576

Allstate

$1,213

$1,379

GEICO

$1,226

$1,306

State Farm

$1,251

$1,320

Allstate

$1,256

$1,380

Allstate

$1,256

$1,856

State Farm

$1,257

$1,326

Capital Insurance Group

$1,280

$1,288

Capital Insurance Group

$1,294

$1,302

Allstate

$1,305

$4,438

GEICO

$1,322

$1,279

Capital Insurance Group

$1,325

$1,334

Nationwide

$1,327

$1,628

GEICO

$1,333

$1,420

Travelers

$1,334

$1,748

Capital Insurance Group

$1,338

$1,346

Capital Insurance Group

$1,341

$1,349

Allstate

$1,343

$1,528

Travelers

$1,364

$1,952

Nationwide

$1,369

$1,757

State Farm

$1,373

$1,449

Allstate

$1,373

$1,509

Capital Insurance Group

$1,374

$1,383

GEICO

$1,377

$2,157

Capital Insurance Group

$1,390

$1,928

Capital Insurance Group

$1,398

$1,934

Travelers

$1,398

$1,980

State Farm

$1,420

$1,499

GEICO

$1,429

$1,523

Allstate

$1,430

$4,959

GEICO

$1,430

$1,384

Capital Insurance Group

$1,450

$2,007

Capital Insurance Group

$1,453

$2,015

Allstate

$1,460

$1,661

Nationwide

$1,462

$1,794

Allstate

$1,466

$2,318

Travelers

$1,469

$2,630

State Farm

$1,470

$1,748

Nationwide

$1,515

$3,953

Nationwide

$1,520

$1,951

Allstate

$1,533

$2,265

State Farm

$1,533

$1,618

Nationwide

$1,538

$3,602

Nationwide

$1,544

$1,895

Progressive

$1,550

$1,437

GEICO

$1,567

$2,179

Travelers

$1,573

$2,227

Capital Insurance Group

$1,573

$1,583

State Farm

$1,576

$1,663

Capital Insurance Group

$1,596

$1,606

Nationwide

$1,603

$2,057

Capital Insurance Group

$1,627

$1,637

Capital Insurance Group

$1,642

$1,653

Nationwide

$1,644

$2,018

State Farm

$1,648

$1,960

Travelers

$1,652

$2,365

Progressive

$1,668

$1,519

Allstate

$1,672

$2,645

State Farm

$1,688

$2,106

Allstate

$1,689

$5,743

Nationwide

$1,707

$2,191

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

Kemper

$1,726

$2,133

GEICO

$1,767

$2,769

Nationwide

$1,772

$4,965

GEICO

$1,780

$2,475

Travelers

$1,781

$3,188

State Farm

$1,792

$1,891

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Kemper

$1,793

$2,476

Travelers

$1,795

$3,252

GEICO

$1,808

$4,013

Nationwide

$1,831

$4,288

Progressive

$1,836

$1,702

GEICO

$1,862

$3,444

State Farm

$1,870

$2,224

Travelers

$1,891

$2,706

Nationwide

$1,893

$4,940

Progressive

$1,896

$2,417

Nationwide

$1,910

$5,751

Farmers

$1,912

$1,313

Progressive

$1,925

$1,753

Allstate

$1,929

$6,689

Farmers

$1,934

$1,328

Nationwide

$1,935

$5,420

State Farm

$1,940

$2,421

Farmers

$1,958

$1,345

Progressive

$1,977

$2,536

Farmers

$1,987

$1,424

Farmers

$1,990

$1,427

Capital Insurance Group

$2,002

$2,770

Farmers

$2,006

$2,734

Farmers

$2,026

$3,461

Allstate

$2,027

$6,893

State Farm

$2,029

$2,536

Farmers

$2,036

$1,459

Capital Insurance Group

$2,036

$2,823

Nationwide

$2,047

$5,735

Nationwide

$2,054

$6,185

Progressive

$2,063

$1,913

Progressive

$2,069

$1,884

Farmers

$2,092

$1,436

Farmers

$2,097

$2,944

Farmers

$2,129

$3,738

GEICO

$2,151

$4,772

State Farm

$2,184

$2,725

Nationwide

$2,188

$6,588

Farmers

$2,199

$1,576

GEICO

$2,204

$4,077

Travelers

$2,216

$4,015

State Farm

$2,221

$2,777

Farmers

$2,268

$3,092

Travelers

$2,286

$4,090

State Farm

$2,321

$3,069

Progressive

$2,352

$2,998

Farmers

$2,358

$3,311

Progressive

$2,379

$2,206

State Farm

$2,431

$3,039

Progressive

$2,443

$2,224

Farmers

$2,456

$4,195

Progressive

$2,592

$3,325

Farmers

$2,596

$4,557

State Farm

$2,628

$3,475

Progressive

$2,695

$3,436

Farmers

$2,812

$4,804

Travelers

$2,915

$5,281

GEICO

$2,932

$6,506

Progressive

$2,949

$3,784

State Farm

$2,981

$3,942

Farmers

$2,985

$5,241

GEICO

$3,289

$6,084

Progressive

$3,791

$5,804

Progressive

$3,912

$5,988

Progressive

$4,176

$6,434

Progressive

$4,323

$6,661

Progressive

$4,752

$7,275

Progressive

$5,262

$8,107

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families looking to save on car insurance may be able to get discounts for young drivers. Kemper offers a good student discount to drivers who earn good grades in school.

Allstate also offers drivers education, distant and good student discounts. Drivers education discounts are available to drivers who have taken a teenSMART drivers education course, and the distant discount is available to drivers who live away from home and do not have regular access to a vehicle.

Cheapest Car Insurance in Washington for Young Adults (September 2023)

The cheapest auto insurer for drivers in their 20s are:

  • PEMCO: $705 per year
  • American Family: $1,027 per year

At about $5,384, Dairyland is the most expensive insurer for young adults in Washington.

Research shows that drivers in their 20s often pay more than middle-aged drivers, even with the cheapest company. On average, younger drivers tend to pay around $144 more than their middle-aged counterparts because they are considered riskier to insure.

Company
Annual Premium
Monthly Premium

PEMCO

$249

$21

PEMCO

$269

$22

PEMCO

$309

$26

Auto-Owners Insurance Co

$328

$27

Auto-Owners Insurance Co

$358

$30

State Farm

$361

$30

State Farm

$378

$32

GEICO

$406

$34

Chubb

$449

$37

Nationwide

$487

$41

State Farm

$494

$41

Farmers

$507

$42

GEICO

$514

$43

Nationwide

$519

$43

Auto-Owners Insurance Co

$524

$44

Chubb

$529

$44

Travelers

$537

$45

GEICO

$538

$45

Farmers

$538

$45

Travelers

$543

$45

PEMCO

$561

$47

Allstate

$592

$49

PEMCO

$598

$50

Farmers

$605

$50

Allstate

$609

$51

Progressive

$610

$51

Travelers

$614

$51

American Family

$627

$52

Kemper

$635

$53

American Family

$645

$54

Allstate

$648

$54

American Family

$669

$56

Auto-Owners Insurance Co

$669

$56

Progressive

$679

$57

Kemper

$693

$58

Kemper

$698

$58

PEMCO

$705

$59

Progressive

$717

$60

Chubb

$736

$61

Auto-Owners Insurance Co

$748

$62

Nationwide

$764

$64

Kemper

$774

$65

State Farm

$780

$65

GEICO

$782

$65

Nationwide

$806

$67

Nationwide

$823

$69

State Farm

$830

$69

Chubb

$925

$77

GEICO

$933

$78

Farmers

$964

$80

American Family

$966

$80

Allstate

$971

$81

National General

$972

$81

Farmers

$974

$81

American Family

$996

$83

Travelers

$1,017

$85

American Family

$1,027

$86

Kemper

$1,040

$87

Allstate

$1,041

$87

Allstate

$1,043

$87

Progressive

$1,050

$88

Travelers

$1,065

$89

GEICO

$1,088

$91

Chubb

$1,107

$92

Auto-Owners Insurance Co

$1,107

$92

State Farm

$1,119

$93

Kemper

$1,126

$94

Progressive

$1,151

$96

Farmers

$1,161

$97

National General

$1,179

$98

Nationwide

$1,222

$102

Travelers

$1,263

$105

Progressive

$1,290

$107

National General

$1,327

$111

Chubb

$1,499

$125

Dairyland

$1,668

$139

Dairyland

$1,720

$143

National General

$1,922

$160

National General

$2,372

$198

National General

$2,396

$200

Dairyland

$2,529

$211

Dairyland

$3,359

$280

Dairyland

$3,728

$311

Dairyland

$5,384

$449

Cheapest Car Insurance in Washington for Seniors (September 2023)

The following companies offer the cheapest auto insurance rates to Washington seniors:

  • PEMCO: $598 per year
  • Auto-Owners: $669 per year

Dairyland is the most expensive insurance for Washington seniors, at an average of $3,359 per year. Older drivers usually get a slight discount on their car insurance premiums compared with middle-aged drivers, though the exact amount depends on the insurer.

Generally, those in their 60s pay about $37 more than those in their 40s. Those in their 70s or older often see higher premiums due to their heightened risk of getting into an accident caused by age-related issues, such as weaker reflexes and decreased eyesight.

Company
Annual Premium
Monthly Premium

PEMCO

$249

$21

PEMCO

$269

$22

PEMCO

$309

$26

Auto-Owners Insurance Co

$328

$27

Auto-Owners Insurance Co

$358

$30

State Farm

$361

$30

State Farm

$378

$32

GEICO

$406

$34

Chubb

$449

$37

Nationwide

$487

$41

State Farm

$494

$41

Farmers

$507

$42

GEICO

$514

$43

Nationwide

$519

$43

Auto-Owners Insurance Co

$524

$44

Chubb

$529

$44

Travelers

$537

$45

GEICO

$538

$45

Farmers

$538

$45

Travelers

$543

$45

PEMCO

$561

$47

Allstate

$592

$49

PEMCO

$598

$50

Farmers

$605

$50

Allstate

$609

$51

Progressive

$610

$51

Travelers

$614

$51

American Family

$627

$52

Kemper

$635

$53

American Family

$645

$54

Allstate

$648

$54

American Family

$669

$56

Auto-Owners Insurance Co

$669

$56

Progressive

$679

$57

Kemper

$693

$58

Kemper

$698

$58

PEMCO

$705

$59

Progressive

$717

$60

Chubb

$736

$61

Auto-Owners Insurance Co

$748

$62

Nationwide

$764

$64

Kemper

$774

$65

State Farm

$780

$65

GEICO

$782

$65

Nationwide

$806

$67

Nationwide

$823

$69

State Farm

$830

$69

Chubb

$925

$77

GEICO

$933

$78

Farmers

$964

$80

American Family

$966

$80

Allstate

$971

$81

National General

$972

$81

Farmers

$974

$81

American Family

$996

$83

Travelers

$1,017

$85

American Family

$1,027

$86

Kemper

$1,040

$87

Allstate

$1,041

$87

Allstate

$1,043

$87

Progressive

$1,050

$88

Travelers

$1,065

$89

GEICO

$1,088

$91

Chubb

$1,107

$92

Auto-Owners Insurance Co

$1,107

$92

State Farm

$1,119

$93

Kemper

$1,126

$94

Progressive

$1,151

$96

Farmers

$1,161

$97

National General

$1,179

$98

Nationwide

$1,222

$102

Travelers

$1,263

$105

Progressive

$1,290

$107

National General

$1,327

$111

Chubb

$1,499

$125

Dairyland

$1,668

$139

Dairyland

$1,720

$143

National General

$1,922

$160

National General

$2,372

$198

National General

$2,396

$200

Dairyland

$2,529

$211

Dairyland

$3,359

$280

Dairyland

$3,728

$311

Dairyland

$5,384

$449

Elderly drivers may be able to find discounted auto insurance rates through certain providers. For example, Kemper, GEICO and Allstate offer senior driver discounts. Additionally, seniors should compare companies to find the most affordable option, as insurers consider several factors besides age when calculating rates.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

Drivers in Washington who have tickets, at-fault accidents and DUIs on their record can take advantage of the low premiums offered by PEMCO. To further reduce insurance costs, drivers should consider taking state-approved driving courses and regularly checking their records for errors. By taking these steps, they can improve their profile and access more affordable insurance options.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: PEMCO ($698 per year)
Cheapest after an accident: PEMCO ($765 per year)
Cheapest after a DUI: PEMCO ($927 per year)
Cheapest for poor credit: PEMCO ($560 per year)
Cheapest for sports cars: Auto-Owners ($812 per year)

Cheapest Car Insurance in Washington After a Ticket

MoneyGeek found the following companies offer the cheapest auto insurance for drivers with tickets:

  • PEMCO: $698 per year
  • State Farm: $948 per year

Dairyland is the priciest of the state’s providers, with an annual rate of about $4,338. In Washington, those with a ticket on their driving record pay an average of $310 more for coverage than those with a clean record.

Company
Annual Premium
Monthly Premium

PEMCO

$313

$26

PEMCO

$362

$30

PEMCO

$366

$30

State Farm

$401

$33

State Farm

$439

$37

Auto-Owners Insurance Co

$439

$37

Auto-Owners Insurance Co

$482

$40

Chubb

$493

$41

State Farm

$548

$46

GEICO

$565

$47

Farmers

$579

$48

Chubb

$583

$49

Farmers

$639

$53

Allstate

$648

$54

Allstate

$667

$56

Farmers

$676

$56

PEMCO

$698

$58

Auto-Owners Insurance Co

$713

$59

Allstate

$715

$60

Travelers

$729

$61

GEICO

$731

$61

American Family

$736

$61

American Family

$760

$63

GEICO

$762

$63

Travelers

$773

$64

Nationwide

$785

$65

Travelers

$790

$66

American Family

$790

$66

Progressive

$792

$66

PEMCO

$793

$66

Chubb

$817

$68

PEMCO

$817

$68

Nationwide

$826

$69

Kemper

$828

$69

State Farm

$861

$72

Kemper

$876

$73

Progressive

$886

$74

Progressive

$907

$76

Kemper

$910

$76

Auto-Owners Insurance Co

$916

$76

State Farm

$948

$79

Kemper

$979

$82

Chubb

$1,024

$85

Auto-Owners Insurance Co

$1,024

$85

Allstate

$1,079

$90

Nationwide

$1,088

$91

GEICO

$1,109

$92

American Family

$1,151

$96

Allstate

$1,158

$97

Farmers

$1,159

$97

Allstate

$1,167

$97

Farmers

$1,189

$99

American Family

$1,191

$99

American Family

$1,227

$102

Chubb

$1,228

$102

State Farm

$1,234

$103

Nationwide

$1,272

$106

National General

$1,292

$108

Farmers

$1,339

$112

Kemper

$1,364

$114

Nationwide

$1,382

$115

Progressive

$1,412

$118

GEICO

$1,431

$119

Kemper

$1,436

$120

Travelers

$1,486

$124

GEICO

$1,519

$127

National General

$1,521

$127

Travelers

$1,529

$127

Auto-Owners Insurance Co

$1,553

$129

Progressive

$1,588

$132

Progressive

$1,627

$136

Travelers

$1,629

$136

Chubb

$1,672

$139

Nationwide

$1,733

$144

National General

$1,795

$150

Dairyland

$1,961

$163

Dairyland

$2,012

$168

National General

$2,617

$218

Dairyland

$2,860

$238

National General

$3,112

$259

National General

$3,347

$279

Dairyland

$3,917

$326

Dairyland

$4,338

$361

Dairyland

$6,132

$511

Cheapest Car Insurance in Washington After an Accident

Washington drivers with an at-fault accident on their record can still find affordable auto insurance with:

  • PEMCO: $765 per year
  • Auto-Owners: $998 per year

Dairyland is the most expensive insurer for those who have been in an at-fault accident, with a premium of $4,744. On average, at-fault drivers pay $512 more than those with a clean driving history.

Company
Annual Premium
Monthly Premium

PEMCO

$350

$29

PEMCO

$403

$34

PEMCO

$406

$34

Auto-Owners Insurance Co

$422

$35

State Farm

$441

$37

Auto-Owners Insurance Co

$465

$39

State Farm

$483

$40

Chubb

$553

$46

State Farm

$603

$50

GEICO

$640

$53

Chubb

$657

$55

Auto-Owners Insurance Co

$691

$58

Farmers

$729

$61

American Family

$745

$62

PEMCO

$765

$64

American Family

$770

$64

Travelers

$771

$64

GEICO

$778

$65

Allstate

$797

$66

American Family

$801

$67

Farmers

$810

$67

Allstate

$819

$68

Travelers

$820

$68

Farmers

$828

$69

Travelers

$839

$70

PEMCO

$863

$72

Kemper

$868

$72

PEMCO

$888

$74

Auto-Owners Insurance Co

$890

$74

Allstate

$893

$74

Kemper

$902

$75

Nationwide

$907

$76

Chubb

$928

$77

State Farm

$942

$78

Kemper

$955

$80

Nationwide

$957

$80

GEICO

$969

$81

Auto-Owners Insurance Co

$998

$83

Kemper

$1,009

$84

State Farm

$1,035

$86

Chubb

$1,158

$96

American Family

$1,190

$99

Progressive

$1,198

$100

American Family

$1,232

$103

GEICO

$1,235

$103

American Family

$1,272

$106

Nationwide

$1,274

$106

Progressive

$1,317

$110

State Farm

$1,350

$112

Allstate

$1,369

$114

Progressive

$1,384

$115

Farmers

$1,387

$116

Chubb

$1,395

$116

Kemper

$1,430

$119

Nationwide

$1,447

$121

Farmers

$1,458

$122

Allstate

$1,471

$123

Kemper

$1,479

$123

Allstate

$1,496

$125

Auto-Owners Insurance Co

$1,512

$126

Travelers

$1,557

$130

Farmers

$1,571

$131

Nationwide

$1,580

$132

GEICO

$1,589

$132

Travelers

$1,609

$134

National General

$1,614

$135

Travelers

$1,710

$142

GEICO

$1,745

$145

National General

$1,858

$155

Chubb

$1,908

$159

Nationwide

$2,008

$167

Dairyland

$2,153

$179

Progressive

$2,160

$180

Dairyland

$2,275

$190

National General

$2,380

$198

Progressive

$2,432

$203

Progressive

$2,462

$205

National General

$3,012

$251

Dairyland

$3,220

$268

National General

$3,523

$294

National General

$4,125

$344

Dairyland

$4,252

$354

Dairyland

$4,744

$395

Dairyland

$6,680

$557

Cheapest Car Insurance in Washington After a DUI

The most affordable full coverage car insurance companies for Washington drivers with a DUI on their driving records are:

  • PEMCO: $927 per year
  • State Farm: $948 per year

The most expensive insurer in the state, Kemper, charges an average of $4,100 per year. DUI drivers pay $616 more on average than drivers with a clean record.

Company
Annual Premium
Monthly Premium

State Farm

$401

$33

PEMCO

$438

$36

State Farm

$439

$37

PEMCO

$490

$41

PEMCO

$515

$43

State Farm

$548

$46

Chubb

$553

$46

Auto-Owners Insurance Co

$604

$50

GEICO

$649

$54

Farmers

$655

$55

Chubb

$657

$55

Auto-Owners Insurance Co

$663

$55

Farmers

$726

$60

Progressive

$732

$61

American Family

$736

$61

Farmers

$752

$63

American Family

$760

$63

Allstate

$774

$65

American Family

$790

$66

Allstate

$796

$66

Progressive

$830

$69

Progressive

$854

$71

State Farm

$861

$72

Allstate

$865

$72

Travelers

$868

$72

GEICO

$869

$72

GEICO

$914

$76

Travelers

$921

$77

PEMCO

$927

$77

Chubb

$928

$77

Travelers

$940

$78

State Farm

$948

$79

Auto-Owners Insurance Co

$988

$82

PEMCO

$1,043

$87

PEMCO

$1,071

$89

American Family

$1,151

$96

Chubb

$1,158

$96

National General

$1,164

$97

American Family

$1,191

$99

Nationwide

$1,193

$99

American Family

$1,227

$102

Auto-Owners Insurance Co

$1,231

$103

State Farm

$1,234

$103

Nationwide

$1,243

$104

Farmers

$1,254

$104

Farmers

$1,300

$108

Progressive

$1,308

$109

Allstate

$1,324

$110

GEICO

$1,345

$112

Auto-Owners Insurance Co

$1,375

$115

National General

$1,391

$116

Chubb

$1,395

$116

Allstate

$1,423

$119

Farmers

$1,436

$120

Allstate

$1,446

$121

Progressive

$1,500

$125

Progressive

$1,531

$128

Nationwide

$1,561

$130

Dairyland

$1,668

$139

Dairyland

$1,720

$143

Travelers

$1,740

$145

National General

$1,759

$147

Travelers

$1,792

$149

GEICO

$1,798

$150

GEICO

$1,868

$156

Travelers

$1,906

$159

Nationwide

$1,907

$159

Chubb

$1,908

$159

Kemper

$1,952

$163

Nationwide

$2,039

$170

Auto-Owners Insurance Co

$2,107

$176

Kemper

$2,151

$179

National General

$2,262

$188

Nationwide

$2,470

$206

Dairyland

$2,529

$211

National General

$2,737

$228

National General

$3,089

$257

Kemper

$3,251

$271

Dairyland

$3,359

$280

Kemper

$3,648

$304

Dairyland

$3,728

$311

Kemper

$4,100

$342

Dairyland

$5,384

$449

Kemper

$6,126

$511

Cheapest Car Insurance in Washington for Drivers With Poor Credit (September 2023)

The cheapest car insurance companies in Washington for drivers with poor credit are:

  • PEMCO: $560 per year
  • Auto-Owners: $748 per year

Dairyland charges $3,728 per year for car insurance for those with a low credit score, the most expensive policy.

Drivers with low credit scores generally pay more for car insurance than those with higher credit scores. Someone with a credit score above 750 can expect to pay around $50 less for car insurance in Washington than someone with a lower credit score.

Company
Annual Premium
Monthly Premium

PEMCO

$705

$59

American Family

$1,027

$86

GEICO

$1,088

$91

Auto-Owners Insurance Co

$1,107

$92

State Farm

$1,119

$93

Kemper

$1,126

$94

Farmers

$1,161

$97

Nationwide

$1,222

$102

Travelers

$1,263

$105

Progressive

$1,290

$107

Chubb

$1,499

$125

Allstate

$1,582

$132

National General

$2,372

$198

Dairyland

$5,384

$449

PEMCO

$309

$26

State Farm

$494

$41

Auto-Owners Insurance Co

$524

$44

GEICO

$538

$45

Farmers

$605

$50

Travelers

$614

$51

American Family

$645

$54

Progressive

$717

$60

Chubb

$736

$61

Nationwide

$764

$64

Allstate

$937

$78

Kemper

$1,040

$87

National General

$1,179

$98

Dairyland

$2,529

$211

PEMCO

$560

$47

Auto-Owners Insurance Co

$748

$62

Kemper

$774

$65

GEICO

$784

$65

State Farm

$861

$72

Nationwide

$917

$76

American Family

$966

$80

Farmers

$986

$82

Travelers

$1,059

$88

Progressive

$1,087

$91

Chubb

$1,107

$92

Allstate

$1,475

$123

National General

$1,922

$160

Dairyland

$3,728

$311

PEMCO

$249

$21

Auto-Owners Insurance Co

$358

$30

State Farm

$395

$33

GEICO

$409

$34

Farmers

$509

$42

Chubb

$529

$44

Travelers

$535

$45

Nationwide

$556

$46

American Family

$627

$52

Progressive

$628

$52

Kemper

$698

$58

Allstate

$909

$76

National General

$972

$81

Dairyland

$1,720

$143

PEMCO

$598

$50

Auto-Owners Insurance Co

$669

$56

Kemper

$693

$58

State Farm

$780

$65

Nationwide

$823

$69

Chubb

$925

$77

GEICO

$933

$78

Farmers

$974

$81

American Family

$996

$83

Travelers

$1,017

$85

Progressive

$1,151

$96

Allstate

$1,576

$131

National General

$2,396

$200

Dairyland

$3,359

$280

PEMCO

$269

$22

Auto-Owners Insurance Co

$328

$27

State Farm

$361

$30

Chubb

$449

$37

GEICO

$514

$43

Nationwide

$519

$43

Farmers

$538

$45

Travelers

$543

$45

Kemper

$635

$53

American Family

$669

$56

Progressive

$679

$57

Allstate

$987

$82

National General

$1,327

$111

Dairyland

$1,668

$139

Insurers often use a driver's credit history to help determine their risk profile and their likelihood of filing a claim. A lower credit rating often indicates a greater likelihood of filing a claim, so insurers may charge drivers with poor credit higher rates. To save money, drivers can look for insurers that offer discounts, such as bundling, car safety features and other typical discounts. Over time, improving your credit score will help with car insurance rates.

Cheapest Car Insurance in Washington for Sports Cars (September 2023)

The least expensive auto insurance providers for sports cars drivers in Washington are:

  • Auto-Owners: $812 per year
  • American Family: $911 per year

Dairyland offers Washington's costliest sports car insurance at $3,399 annually. Compared with a Toyota Camry LE, auto insurance for sports cars is usually — but not always — more expensive, costing about $72 more for drivers in Washington. Sports cars tend to be costlier to repair and replace.

Company
Annual Premium
Monthly Premium

PEMCO

$249

$21

PEMCO

$269

$22

PEMCO

$309

$26

Auto-Owners Insurance Co

$328

$27

Auto-Owners Insurance Co

$358

$30

State Farm

$361

$30

State Farm

$378

$32

GEICO

$406

$34

Chubb

$449

$37

Nationwide

$487

$41

State Farm

$494

$41

Farmers

$507

$42

GEICO

$514

$43

Nationwide

$519

$43

Auto-Owners Insurance Co

$524

$44

Chubb

$529

$44

Travelers

$537

$45

GEICO

$538

$45

Farmers

$538

$45

Travelers

$543

$45

Allstate

$592

$49

Farmers

$605

$50

Allstate

$609

$51

Progressive

$610

$51

Travelers

$614

$51

American Family

$627

$52

Kemper

$635

$53

American Family

$645

$54

Allstate

$648

$54

American Family

$669

$56

Progressive

$679

$57

Kemper

$698

$58

Progressive

$717

$60

Auto-Owners Insurance Co

$725

$60

Chubb

$736

$61

Nationwide

$764

$64

Auto-Owners Insurance Co

$812

$68

Kemper

$839

$70

Farmers

$899

$75

American Family

$911

$76

GEICO

$911

$76

Farmers

$932

$78

Kemper

$939

$78

American Family

$944

$79

American Family

$965

$80

State Farm

$968

$81

National General

$972

$81

Allstate

$982

$82

Travelers

$996

$83

GEICO

$1,027

$86

Allstate

$1,037

$86

Kemper

$1,040

$87

Travelers

$1,049

$87

Allstate

$1,064

$89

State Farm

$1,065

$89

Chubb

$1,075

$90

Farmers

$1,095

$91

Nationwide

$1,114

$93

National General

$1,179

$98

Auto-Owners Insurance Co

$1,197

$100

Progressive

$1,241

$103

Travelers

$1,252

$104

Nationwide

$1,261

$105

Progressive

$1,264

$105

GEICO

$1,272

$106

Chubb

$1,291

$108

National General

$1,327

$111

Kemper

$1,374

$115

State Farm

$1,400

$117

Progressive

$1,592

$133

Dairyland

$1,668

$139

Nationwide

$1,687

$141

Dairyland

$1,720

$143

Chubb

$1,757

$146

Dairyland

$2,529

$211

Dairyland

$3,033

$253

Dairyland

$3,399

$283

Dairyland

$4,889

$407

When researching insurance costs associated with sports cars, MoneyGeek used a Ford Mustang as its sample vehicle. However, insurance costs can differ significantly depending on the type of car model.

Luxury, electric and sports cars tend to be much more expensive to insure than other model types, but this may not be true in your state. The model may not always affect insurance costs, but you should factor it in when comparing policies.

Cheapest Car Insurance in Washington for Military Drivers (September 2023)

PEMCO offers the cheapest car insurance for military drivers in Washington with an average annual rate of $561.

USAA also provides the most affordable car insurance rates for military members, as well as discounts for active duty and retired military personnel with an average rate of $576. USAA offers various discounts and benefits that help military members save even more on car insurance premiums.

mglogo
MoneyGeek Top Pick
PEMCO
  • $561 per year

PEMCO provides the cheapest auto insurance for military personnel and their families. However, it does not offer discounts to its policyholders.

Cheapest Car Insurance in Washington by City

The cost of car insurance in Washington can vary significantly depending on where you live. Drivers in Spokane can get the most affordable car insurance from PEMCO at about $596 per year for a full coverage policy.

Vancouver is also relatively affordable, with an annual full coverage policy from PEMCO costing around $730. However, car insurance is the most expensive in Tacoma, where a full coverage policy from PEMCO averages $850 per year.

City
Cheapest Company
Annual Premium

Bellevue

PEMCO

$788

Everett

PEMCO

$747

Kent

PEMCO

$763

Renton

PEMCO

$813

Seattle

PEMCO

$792

Spokane

PEMCO

$596

Tacoma

PEMCO

$850

Vancouver

PEMCO

$730

Car Insurance in Washington: What You Need to Know

Washington state requires that all drivers carry a minimum of bodily injury liability and property damage liability coverage. This type of coverage protects in the event of an at-fault accident, covering medical expenses and other costs associated with the accident.

In addition to the compulsory minimums, insurers in Washington also offer optional coverage, such as medical payments coverage, uninsured/underinsured motorists coverage and personal injury protection. Although these are not required by law, they provide additional protection in the event of an accident.

Washington Car Insurance Requirements

In Washington, drivers must purchase auto insurance with minimum liability coverage, which includes bodily injury, property damage and personal injury protection. This level of insurance is less expensive, but it also offers less protection in case of an accident.

If you receive a high-risk traffic violation, such as a speeding ticket or DUI, you may need to obtain SR-22 insurance. This specialized coverage is more expensive than regular auto insurance, and your insurance provider submits the SR-22 form to the state on your behalf.

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    Bodily Injury Liability

    Bodily injury liability coverage in Washington helps protect drivers from financial loss if they are found to be at fault for an accident resulting in injury or death to another person. It pays for medical expenses, lost wages, pain and suffering and other expenses. The minimum limit for bodily injury liability in Washington is $25,000 per person and $50,000 per accident. This coverage will not pay for damages to your vehicle or property or any legal fees.

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    Property Damage Liability

    Property damage liability coverage in Washington helps protect drivers from financial loss if they are found to be at fault for an accident resulting in damage to another person’s property. This coverage pays for repairs to the other person’s vehicle and any other property damage that occurs. Washington state requires a minimum of $10,000 in property damage liability coverage. This coverage will also pay for legal costs if the policyholder is sued.

    The downside of buying only the minimum liability coverage is that it may not provide enough coverage to cover all the expenses associated with an accident. After a serious accident, medical bills and other costs can quickly add up and exceed the minimum coverage limits, leaving you responsible for the difference.

MoneyGeek recommends getting $100,000 in bodily injury liability insurance per person and $300,000 in bodily injury liability insurance per accident. Bodily injury liability insurance helps protect you if you are legally responsible for an accident that injures someone else. It pays for medical bills, lost wages, pain and suffering and other costs associated with an accident.

MoneyGeek also recommends getting $100,000 in property damage insurance per accident. Property damage liability insurance helps protect you if you are legally responsible for an accident that damages someone else’s property.

Those who finance their car purchase will likely have to buy comprehensive and collision insurance. Comprehensive insurance covers damage to your car from non-accident causes, such as theft, vandalism and fire. Collision insurance covers damage to your car from an accident with another vehicle or object.

We advise those with valuable cars to consider buying comprehensive and collision insurance even if they didn't take out a loan or lease your car.

Car Insurance Alternatives in Washington

If you own at least 25 vehicles in the state of Washington, you can apply for a certificate of self-insurance to demonstrate your financial stability. This certificate is an annual requirement that must be renewed in order to remain valid and serves as proof of financial responsibility for operating motor vehicles in the state.

FAQs About Car Insurance in Washington

Finding affordable auto insurance in Washington can be overwhelming. MoneyGeek answered the most commonly asked questions to help you through the process.

Expert Advice on Finding Cheap Car Insurance in Washington

To help you find credible and accurate insight on car insurance in Washington, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Washington should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Washington take to find affordable car insurance?
  3. How do regulations and rules in Washington impact insurance pricing and how consumers might shop for coverage?
Randy Beavers
Randy Beavers

Assistant Professor of Finance at Seattle Pacific University

Melanie Musson
Melanie Musson

Home Insurance Expert with USInsuranceAgents.com

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • Washington State Legislature. "Self-Insurance." Accessed December 14, 2022.