GEICO offers the most affordable insurance in Washington with monthly rates of $39 for minimum coverage and $96 for full coverage. This saves drivers $14 monthly (18%) compared to state averages. Get quotes from other affordable options like State Farm, Pemco Insurance, California Causality and Farmers.
Cheapest Car Insurance in Washington
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, State Farm and Pemco are the cheapest car insurance companies for most Washington drivers, with average savings of up to 18%.
Car insurance costs can be as low as $27 for minimum coverage and $70 for full coverage policies on average in Washington.
To get the cheapest car insurance in Washington, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Washington?
| Geico | $39 | $96 | -18% |
| State Farm | $38 | $111 | -10% |
| Pemco Insurance | $47 | $101 | -9% |
| California Causality | $40 | $114 | -6% |
| Farmers | $47 | $108 | -5% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN WASHINGTON
We've created additional guides below to help you in your search for the best and cheapest car insurance in Washington:
Best Car Insurance Rates by Category in Washington
State Farm offers the cheapest rates in four out of our 10 driver categories, with particularly affordable coverage for seniors and drivers with violations on their records, while GEICO leads in three categories with competitive rates for adult drivers and vehicle-specific coverage. Below, you can review rates for your driver profile.
| Young Drivers | American Family | $109 |
| Adult Drivers | Geico | $42 |
| Senior Drivers | State Farm | $44 |
| Drivers With An Accident | State Farm | $44 |
| Drivers With A DUI | State Farm | $41 |
| Drivers With A Speeding Ticket | State Farm | $41 |
| Drivers With Bad Credit | National General | $62 |
| Drivers With Low Income | National General | $52 |
| Drivers With Newer Cars | Geico | $41 |
| Drivers With Old Cars | Geico | $34 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Washington for You
The tables above show overall rankings, but your cheapest option depends on your specific profile. For example, National General offers the lowest rates for adult drivers with below-fair credit and an accident record seeking 100/300/100 coverage. Use our table below to find rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| National General | $187 | $2,243 | -43% |
| Pemco Insurance | $219 | $2,622 | -33% |
| Travelers | $248 | $2,970 | -24% |
| Allstate | $302 | $3,626 | -7% |
| Nationwide | $313 | $3,758 | -4% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Washington by City
Your location in Washington affects auto insurance costs through city-specific factors like crime rates, accident frequency and population density. Rates range from $27 in Albion with State Farm to $75 in Tacoma with American Family. Below are the most affordable providers for every Washington city.
Data filtered by:Results filtered by:
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City:Aberdeen
| Aberdeen | Farmers | $40 | -11% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Washington By Driver Age Group
Our research on car insurance rates in the Washington looked at costs for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the most affordable options we found:
- American Family offers the lowest rates for young drivers at $109 per month
- Adult drivers can find the best rates with Geico at $42 per month
- Senior drivers get the most affordable coverage through State Farm at $44 per month
Cheapest Car Insurance For Young Drivers in Washington
State Farm provides Washington's most affordable minimum coverage for young drivers with a monthly rate of $79, offering 40% savings compared to the state average. For full coverage policies, American Family leads with a monthly rate of $188, helping young drivers save 36% on their premiums.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $79 | $951 | -40% |
| Travelers | $104 | $1,245 | -22% |
| Geico | $105 | $1,255 | -21% |
| American Family | $109 | $1,307 | -18% |
| California Causality | $123 | $1,471 | -7% |
Cheapest Car Insurance For Adult Drivers in Washington
Progressive offers Washington's most affordable car insurance, with minimum liability coverage at $37 monthly and full coverage at $99 per month.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $37 | $442 | -30% |
| California Causality | $40 | $481 | -24% |
| Geico | $42 | $503 | -20% |
| Farmers | $47 | $563 | -11% |
| Travelers | $51 | $617 | -2% |
Cheapest Car Insurance For Senior Drivers in Washington
In Washington, GEICO offers seniors the most affordable rates for both full and minimum coverage. Senior drivers can get full coverage for $1,343 annually, while minimum coverage costs $631 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $44 | $524 | -43% |
| Geico | $53 | $631 | -31% |
| Nationwide | $68 | $817 | -11% |
| Farmers | $70 | $844 | -8% |
| Travelers | $73 | $872 | -5% |
Cheapest Car Insurance For High-Risk Drivers in Washington
We studied four core areas for profiles insurers consider particularly high-risk in Washington including those with bad credit, DUIs, accidents and speeding ticket. Below were our overall findings for who was most affordable for these groups in the state:
- Cheapest for Bad Credit: Geico (From $80/mo)
- Cheapest With a DUI: State Farm (From $67/mo)
- Cheapest With an Accident: State Farm (From $48/mo)
- Cheapest With a Speeding Ticket: State Farm (From $41/mo)
Cheapest Car Insurance For Bad Credit in Washington
National General offers Washington drivers with poor credit the lowest insurance rates. Policies start at $786 annually for minimum liability coverage, while full coverage costs $1,774 per year.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| National General | $66 | $786 | -46% |
| Geico | $83 | $991 | -31% |
| Pemco Insurance | $89 | $1,067 | -26% |
| California Causality | $92 | $1,098 | -24% |
| Travelers | $102 | $1,220 | -15% |
Cheapest Car Insurance With a DUI in Washington
State Farm offers the lowest rates for Washington drivers with DUIs, with annual premiums starting at $480. Farmers provides the second most affordable option with yearly rates of $718. Both insurers offer coverage well below the state average.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $40 | $480 | -47% |
| Farmers | $60 | $718 | -20% |
| National General | $61 | $735 | -18% |
| Progressive | $66 | $796 | -12% |
| Geico | $67 | $801 | -11% |
Cheapest Car Insurance With an Accident in Washington
For Washington State drivers with an accident on their record, State Farm provides the most affordable car insurance with rates of $43 per month or $517 per year. These premiums are 44% lower than the state average for similar coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $43 | $517 | -44% |
| Geico | $65 | $782 | -15% |
| Travelers | $68 | $812 | -11% |
| Farmers | $69 | $827 | -10% |
| California Causality | $69 | $833 | -9% |
Cheapest Car Insurance With an Speeding Ticket
State Farm provides the most affordable car insurance for Evergreen State drivers with speeding tickets. Drivers can expect to pay $480 annually for minimum coverage, while full coverage costs $1,383 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $40 | $480 | -38% |
| Farmers | $53 | $638 | -18% |
| California Causality | $56 | $677 | -13% |
| Geico | $59 | $705 | -9% |
| Travelers | $64 | $774 | 0% |
How to Get the Cheapest Car Insurance in Washington
Finding the most affordable insurance companies is just one part of reducing your car insurance costs in Washington. Our proven strategies can help you save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from multiple insurance companies through different channels including provider websites, independent agents and comparison sites. Your rates can vary significantly between providers and quote methods, so cast a wide net.
- 2
Determine Your Coverage Needs
Know exactly what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring adequate protection. Consider your vehicle's value, your assets and your state's minimum requirements.
- 3
Evaluate Coverage Levels
Consider adjusting your coverage levels and deductibles based on what you can afford. However, carefully weigh the risks based on your financial situation, driving patterns and vehicle type before reducing coverage.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers with your profile to benchmark savings. Explore available discounts and compare home and auto insurance bundle options to maximize your savings.
- 5
Consider Alternative Insurance Options
Look into pay-per-mile car insurance if you drive infrequently or telematics programs that reward safe driving habits. Check if your car manufacturer offers special insurance programs with competitive rates.
- 6
Improve Your Risk Profile
Work on improving your credit score and maintaining a clean driving record. Better risk factors lead to lower insurance rates across all providers.
- 7
Choose a Cost-Effective Vehicle
If you're planning to buy a car, select a cheaper car to insure to reduce your premium costs. Older, reliable vehicles typically cost less to insure and repair.
Risks of Getting the Cheapest Car Insurance in Washington
Washington's minimum required car insurance coverage is a 25/50/10 liability split. Drivers must carry $25,000 for injury coverage per person, $50,000 for total injuries per accident and $10,000 for property damage coverage. However, getting the cheapest coverage possible isn't often the best move, and minimum liability policies come with risks.
Vehicle damage if you're at fault won't be covered
Choosing minimum liability coverage in Washington leaves you financially exposed if you cause an accident. According to the Insurance Information Institute, the average property damage claim in Washington reached $4,711 in 2023. Without collision coverage, you must pay these costs out of pocket, which can seriously impact your finances. Consider adding collision coverage to protect against repair or replacement costs when you're at fault.
Weather risks make damage to your car more likely and aren't covered
Washington drivers face unique weather-related risks, from coastal storms to mountain snow. The National Centers for Environmental Information reports weather-related vehicle damage in Washington averaged $3,825 per claim in 2023. Without comprehensive coverage, you're responsible for repairs from weather events like flooding, fallen trees, or hail damage. Add comprehensive coverage to protect against these common environmental risks.
Bodily injury damage is more likely to be higher than the minimum limits
Washington's minimum bodily injury coverage of $25,000 per person often falls short of actual claim costs. The Insurance Information Institute reports average bodily injury claims in Washington reached $22,340 in 2023, dangerously close to the minimum limit. Rising medical costs mean you could face significant out-of-pocket expenses. Consider increasing your coverage to 50/100/50 for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
With 12.4% of Washington drivers uninsured, accidents with uninsured motorists pose a real financial threat. Without uninsured motorist coverage, you pay for damages caused by uninsured drivers, even if you weren't at fault. Legal action against uninsured drivers rarely recovers costs and requires immediate out-of-pocket expenses. Adding uninsured motorist coverage provides essential protection beyond basic liability insurance.
Vehicle theft damage is more likely and uncovered
Washington ranks high nationally for auto theft according to the National Insurance Crime Bureau, with theft rates above the national average in 2023. Basic liability insurance won't cover theft-related losses or damage. Add comprehensive coverage to protect against theft, which provides financial protection in this high-risk state.
Cheap Car Insurance in Washington: Bottom Line
GEICO consistently offers the most affordable car insurance rates in Washington across various driver profiles and coverage levels. While choosing the lowest-cost option is tempting, price shouldn't be your only consideration when selecting car insurance. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in Washington: FAQ
Below, we answer common questions about finding affordable car insurance in Washington to help you save money.
What are the cheapest car insurance companies in Washington?
GEICO leads Washington's insurance market with annual rates of $469 for minimum coverage and $1,150 for full coverage. State Farm, Pemco Insurance, California Casualty and Farmers also provide competitive rates for Washington drivers.
Who has the cheapest car insurance rates for young drivers in Washington?
American Family provides the lowest rates for young drivers in Washington, with monthly premiums averaging $109.
Who offers the cheapest car insurance rates for seniors in Washington?
Senior drivers in Washington can get excellent rates from State Farm, with monthly premiums averaging $44 for those aged 65 and older.
Who has the cheapest car insurance in Washington for bad credit?
National General provides the most affordable rates for bad-credit drivers in Washington, with monthly premiums averaging $62 for minimum coverage and $145 for full coverage.
Who has the cheapest car insurance in Washington with an accident?
State Farm offers the most affordable car insurance rates in Washington for drivers with accidents, starting at $44 per month for minimum coverage.
Who has the cheapest car insurance in Washington with a DUI?
State Farm provides the cheapest car insurance after a DUI in Washington. Rates average $41 per month ($489 annually) for minimum coverage and $118 per month ($1,416 annually) for full coverage.
Who has the cheapest car insurance in Washington for those with a speeding ticket?
After getting a speeding ticket, State Farm provides the most budget-friendly insurance in Washington, charging $41 monthly for minimum coverage and $118 for full coverage.
Should you buy the cheapest car insurance in Washington?
While choosing the cheapest car insurance can save money, make sure it provides sufficient coverage for major accidents. GEICO offers the best balance of affordability and service in Washington.
How We Found the Most Affordable Car Insurance in Washington
MoneyGeek collected auto insurance data from the Washington Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Washington.
Washington Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Washington
We compared car insurance companies in Washington that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Washington.
The minimum coverage liability limits in Washington are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 24, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 24, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 24, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 24, 2025.