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Cheapest Car Insurance Companies and Quotes in Washington

It’s smart to compare quotes and prices from several carriers to find the most suitable coverage options and best prices. MoneyGeek ranked the most affordable car insurance providers in Washington based on collision and comprehensive coverage for the average driver. These figures are rough averages. The actual quotes you get from insurers may vary.

Average Comprehensive and Collision Rates in Washington

Every auto insurance firm underwrites driver factors differently. MoneyGeek’s costs are the approximate prices for average drivers. Some providers offer bigger rebates for drivers with an excellent driving record, car safety features and others. Many companies charge higher premiums for those with driving violations. Therefore, you should ask for quotes from multiple carriers to find the best prices.

Insurance Rates

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Liability Car Insurance in Washington

Some drivers find liability-only car insurance to be an economical option. This covers third-party damages and medical expenses if you cause a car accident. If you want to cover your own expenses, it can be a good idea to opt for comprehensive and collision coverage. A minimum liability requirement is in force in most states. Insurance companies can help you protect yourself with optional higher levels of coverage. Most drivers find Progressive to be the most affordable option for both the state minimum coverage and an enhanced 50/100/50 coverage level in Washington.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Washington for 2021

To help you find the best car insurance company in Washington for your needs, MoneyGeek analyzed multiple factors, including financial strength, claims experience, affordability and customer satisfaction. To calculate each auto insurance firm’s final score out of 100, MoneyGeek reviewed data from AM Best’s financial strength ratings and J.D. Power’s U.S. Auto Insurance Study, both of which are industry standards for car insurance provider reviews and rankings.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

HartfordScore: 92.5
+

4/5

User Satisfaction

5/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

3

GEICOScore: 85
+

3/5

User Satisfaction

2/5

Claims Ratings

4/5

Affordability

A++

Financial Stability

4

AllstateScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

American FamilyScore: 80
+

4/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability

6

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

7

FarmersScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

8

ProgressiveScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

9

SafecoScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

10

Liberty MutualScore: 77.5
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

According to the National Association of Insurance Commissioners, State Farm holds 16.05% of the market share, making it the largest insurer in the state of Washington. The following table demonstrates the top four Washington auto insurance companies, including State Farm. Getting free car insurance quotes from the largest companies in the state can ensure you get the best rate.

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What Is the Average Cost of Car Insurance in Washington?

Auto insurers calculate average annual premiums based on multiple unique factors. MoneyGeek determined the average prices for 100/300/100 comprehensive and collision insurance coverage for a 40-year-old man with a clean record driving a Toyota Camry. Your annual auto insurance rates may be higher or lower than these Washington averages depending on your age, coverage level, driving history and location.

  • Average Driver: $1,264
  • DUI: $2,172
  • Speeding Ticket: $1,522
  • Poor Credit Score: $2,036
  • Seniors: $1,318
  • Students: $2,479

Cheapest Car Insurance for Drivers With a DUI in Washington

Whether driving under the influence (DUI) results in an accident or not, doing so will have huge implications on your life — including your car insurance rates. While repercussions may vary based on the number of prior offenses, a driver cited with a DUI in the state of Washington can face anywhere from 24 hours to one full year of jail time, receive up to $5,000 in fines and can have their license revoked for up to a year.

Between 2009 and 2018, the Centers for Disease Control and Prevention reported that a total of 1,602 people were killed in crashes involving a drunk driver in Washington. 1.5% of Washington drivers report driving after having too much to drink in the previous 30 days. Not only do insurance companies raise rates for DUI offenders in hopes to curb drunk driving, but they also do so because a DUI on your record signals that you are a high-risk driver.

Average Car Insurance Rates With a DUI

Aside from the hundreds or thousands of dollars you will owe in fines and legal fees after a DUI, your insurance rates will double — likely overnight. In fact, the estimated increase in car insurance premiums over a 13-year period totals $40,000. However, finding cheap car insurance with a DUI in Washington is not impossible. Request multiple free quotes from more than one of the top insurance companies to help you find your best options.

Cheapest Car Insurance With Tickets in Washington

According to the National Highway Traffic Safety Administration, distracted driving accounted for 497 vehicle crashes in Washington in 2018. For many insurance providers, distracted driving, speeding and other traffic violations signify a risk. A ticket will most likely bump up your insurance rates, even if you were not involved in an accident. How much your rates increase will depend on your insurance provider and your previous driving record.

Average Car Insurance Rates With a Ticket

If you are cited with a speeding or distracted driving ticket, some insurance companies will offer a reduced premium if you take a defensive driving course. Speak with your insurer — or compare car insurance quotes from multiple sources — to discuss the best option for you.

Cheapest Car Insurance Companies in Washington for Drivers With Bad Credit

In data provided by Experian, the average FICO credit score in the United States in 2019 was 703 (the average score in Washington was 723), meaning most people have a “good” credit score. However, having bad credit is more than just a number. Bad credit is viewed as a financial risk to insurers, so your rates will likely go up.

Average Car Insurance Rates for Drivers With Bad Credit

If you have bad credit, ask insurance companies if they use credit information, how they look at this information and how it will impact your rates. Understand how to raise your credit score so you can get the best insurance rates.

Cheapest Car Insurance Companies in Washington for Seniors

Senior drivers face a unique set of benefits and challenges behind the wheel. Most mature drivers have more experience behind the wheel, but they also face a number of physical changes due to age, including vision impairment and shorter attention spans, which can be dangerous. According to the National Highway Traffic Safety Administration, 13.6% of fatal Washington crashes in 2017 involved a senior driver.

Average Car Insurance Rates for Seniors

Rates can vary for mature drivers based on a number of factors, including age, gender and previous driving history. If you’re searching for cheap car insurance for seniors in Washington, speak with Washington auto insurance companies about senior driver discounts to help lower your rates.

Cheapest Car Insurance for Students in Washington

Teen drivers are, unfortunately, often more expensive to insure due to their lack of experience behind the wheel, which puts them at a higher risk of being in an accident (according to the CDC, more than 2,400 teens lost their lives in car crashes in 2016). To keep premiums down, don’t be afraid to ask your insurance provider for a Good Student discount if your child maintains a B average in school and discuss the importance of a clean driving record with your child. When your teen goes off to college, you have more options for saving money on insurance premiums. If your child attends a college at least 100 miles from home and doesn't take a car, you may be eligible for a discount from your insurer.

There are a few different factors that impact the rates for young drivers specifically, such as their driving history, how far from home they are driving/attending school and how often they drive their vehicle. Speak with your provider about the different options available for cheap car insurance for teenagers in Washington.

Average Car Insurance Rates for Students

Insurance Rate Information for Military Drivers and Veterans

Some insurance companies offer special discounts to active members of the military. For example, GEICO offers up to 15% off for active or retired members of the military. If you are temporarily stationed in Washington, you can either keep your registration from your home state or register your vehicle in Washington. Disabled veterans who received an honorable discharge may be eligible for a disabled veteran license plate. The state also offers a wide range of military license plates, which are available to active service members, veterans and their families.

Average Rates for Washington service members

male
25 years$1,041
50 years$941
female
25 years$1,359
50 years$922

Car Insurance in Washington: What You Need to Know

All motor vehicle owners registered in Washington must have insurance or show other evidence of financial responsibility.

Motorcycles — which make up 3% of registered vehicles in Washington — are exempt from the insurance mandate, even though they accounted for 15% of traffic fatalities between 2013 and 2017.

There are a few alternatives to purchasing insurance, but they are costly and cumbersome. Here are the options:

  • Certificate of deposit for at least $60,000, set up with the Department of Licensing
  • Liability bond for at least $60,000, filed by a surety bond company authorized to do business in Washington
  • Self-insurance (if you own more than 25 vehicles)

If you are unable to buy automobile insurance in the private market due to your driving record, you may be able to access coverage through the state's Automobile Insurance Plan for high-risk drivers. To qualify, you must be a Washington resident (or member of the U.S. military), hold a valid Washington state driver's license and have no outstanding debt from previous car insurance.

Proof of Insurance in Washington

You must carry your Washington motor vehicle insurance identification card (or a version of it on your phone) in your vehicle at all times. If you don't have proof when pulled over by the police, they may ticket and fine you.

If you are later able to provide proof that you had insurance coverage at the time of the citation, you can present that proof in court or by mail and the citation will be dismissed, but you may still need to pay $25 in administrative fees.

Minimum Liability Insurance Requirements in Washington

Washington requires that all drivers have at least the following levels of coverage in the event of a crash:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death per accident
  • $10,000 for property damage per accident

High-Risk Auto Insurance Program in Washington

Drivers who may have trouble finding standard insurance due to problems with their driving record can choose from several high-risk insurers, including State Farm, Allstate, Bristol West and Progressive.

Alternatives to Insurance in Washington

Many states provide alternatives to auto insurance to ensure that you can compensate others in the event of an accident. In the state of Washington, drivers can pay a $60,000 bond or deposit to the state, which allows them to hold you financially responsible should you ever be at fault in an accident.

How Much Coverage Do You Need in Washington?

Insurance experts and consumer advocates generally recommend carrying more than the minimum amount of insurance by law. The types and amounts of insurance you choose to carry depends on your personal situation, assets and priorities.

For example, since Washington has a high rate of uninsured motorists, you may choose to purchase uninsured motorist insurance. If you have a new car, you may also want collision and comprehensive insurance — if you have a car loan, your lender will almost certainly require it. It's best to talk with your insurance agent about your insurance needs.

Car insurance companies use your location to calculate your rate.
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Expert Advice on Finding Cheap Car Insurance in Washington

To help you find trustworthy and accurate insight on car insurance in Washington, MoneyGeek received expert advice from established professionals. The perspectives and opinions shared 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?

    The best thing to do is to shop around and be aware of your current financial and family situations, respectively. Some carriers are more sensitive to multi-family or multi-car discounts, whereas others are more concerned over your past driving behaviors and driving record, especially if you are single or male.

  2. What steps can drivers in Washington take to find affordable car insurance?

    There are multiple websites to help you compare and narrow down carriers, but one should take the time to call the individual companies and speak to local agents who may know of other deals. Be willing to negotiate and discuss the pros and cons of other offers you have. For individuals with poor driving records, it may be difficult to get insurance. One may have to get sponsored by a local insurance company through an SR 22 form until that individual has demonstrated progress toward a better record. Since insurance is required, one may have to go through a different outlet, such as the Automobile Insurance Plan (www.aipso.com). Last, think about your current situation and past behaviors. Is there something you need to change or that will be changing that will either adversely affect how much you pay or would be willing to pay to get the risk insured.

  3. How do regulations and rules in Washington impact insurance pricing and how consumers might shop for coverage?

    Washington State has expensive taxes with regards to car tabs and tags, as well as gas taxes. Individuals willing to pay more up-front for a hybrid or electric vehicle receive some immediate benefit from paying less in taxes all-around. Another thing to consider is the size of your vehicle. Washington State, especially in cities like Seattle, does not have ample parking for larger vehicles. Generally, the larger the vehicle, the more gas (tax) you pay, and the higher the likelihood of your vehicle getting into an accident, even if it is minor scrapes and dings.

    There are multiple things to consider when shopping for auto insurance, but generally, treat it like a necessary, fixed cost for your budget. Shop around and be willing to consider future long-term purchases that are investments for not just your family but also for the environment. The Office of the Insurance Commissioner Washington State website has the most up-to-date information in Washington State.


Randy Beavers
Randy BeaversAssistant Professor of Finance at Seattle Pacific University

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About the Author


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Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than five years of professional marketing and communications experience working with clients in finance, travel, food and beverage, CPG, non-profit, higher education and politics. Her work has an emphasis on content writing, social media management, content and digital marketing.


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