Car insurance is a legal requirement in Washington. If you’ve shopped for auto insurance recently, you know there are dozens of options and prices have risen sharply since 2022 (see the BLS motor vehicle insurance CPI). It may seem overwhelming to choose the right car insurance company, especially if you are torn between wanting affordable rates, generous coverages, specific types of coverage, or something else. Comparing several quotes is more important than ever.
To help you find the best car insurance companies in Washington, we refreshed our analysis using current 2025 data. Reviews.com evaluated large national carriers and notable regional insurers by coverage, discounts, pricing, complaint experience and satisfaction. We referenced statewide rate studies from Bankrate, NerdWallet and ValuePenguin, and third-party ratings including the J.D. Power 2025 U.S. Auto Insurance Study and AM Best financial strength assessments.
The 4 Best Auto Insurance Companies in Washington
- Geico: Best for Affordability
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Discounts
- Progressive: Best for High-Risk Drivers
Compare the Best Car Insurance Companies in Washington
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Geico | $359 | $912 | A++ | 821 | |
| Pin USAA | $292 | $818 | A++ | 884 | |
| Pin State Farm | $404 | $951 | A++ | 844 | |
| Pin Progressive | $376 | $974 | A+ | 817 |
Information current as of November 2025; sources include 2025 Washington rate studies from Bankrate, NerdWallet and ValuePenguin, plus the J.D. Power 2025 U.S. Auto Insurance Study.
* Data points are triangulated from 2025 analyses by Bankrate, NerdWallet and ValuePenguin.
**J.D. Power 2025 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
***Not officially ranked by J.D. Power due to eligibility restrictions
Geico
Best for Affordability
Why we chose it
Why we chose it
Pros
- Low average premium
- Numerous discounts
- Strong financial ratings
Cons
- Does not offer gap insurance
- No discounts for hybrid/electric cars
Types of Coverage Offered
- Personal injury protection (PIP)
- Roadside assistance
- Rental reimbursement
- Mechanical breakdown coverage
Discounts Available
- Defensive driving course
- Driver education course
- Emergency deployment
- Federal employee
- Good driver
- Good student
- Membership and employee
- Military
- Multi-vehicle
- Multi-policy
- New vehicle
- Seat belt use
- Vehicle safety features
More Geico Insurance Reviews
USAA
Best for Military-Focused Coverage
Why we chose it
Why we chose it
Pros
- Affordable auto insurance policies
- Multiple discounts
- Personalized customer service
Cons
- Available only to military families
- Limited number of branch locations
Types of Coverage Offered
- Accident forgiveness
- Personal injury protection (PIP)
- Extended benefits coverage
- Roadside assistance
- Rental car reimbursement
Discounts Available
- Annual mileage
- Anti-theft device
- Defensive driving course
- Driver training course
- Family discount
- Good student
- Length of membership
- Military installation
- Multi-vehicle
- New Vehicle
- Policy bundling
- Safe driver
- USAA SafePilot program
- Vehicle storage
More USAA Insurance Reviews
State Farm
Best for Discounts
Why we chose it
Why we chose it
Pros
- Coverage for rideshare drivers
- Highly rated mobile app
- Impressive financial strength
- Unique discounts
Cons
- Average minimum coverage premium is higher than state average
- Fewer add-on coverages than competitors
- No accident forgiveness
Types of Coverage Offered
- Liability
- Medical
- Uninsured motorist
- Collision
- Comprehensive
- Emergency road service
- Car rental and travel
- Rideshare driver
- Roadside assistance coverage
Discounts Available
- Accident-free
- Defensive driving course
- Drive Safe & Save program
- Good driver
- Good student
- Multi-vehicle
- Passive restraint
- Policy bundling
- Steer Clear program
- Student away at school
- Vehicle safety
More State Farm Insurance Reviews
- State Farm auto insurance review
- State Farm homeowners insurance review
- Geico vs. State Farm
Progressive
Best for High-Risk Drivers
Why we chose it
Why we chose it
Pros
- Fast and efficient claims handling
- Several discounts
- Variety of add-on policies for customization
Cons
- Below-average customer service ratings
- Some discounts not offered in certain states
Types of Coverage Offered
- Roadside assistance
- Gap insurance
- Rental car reimbursement
- Custom parts and equipment coverage
- Rideshare coverage
- Deductible savings bank
Discounts Available
- AutoPay
- Claim-free
- Continuous insurance
- Distant student
- Good student
- Homeowner
- Multi-policy
- Multi-vehicle
- Online quote
- Paperless billing
- Pay in full
- Sign online
- Snapshot® program
- Teen driver
More Progressive Insurance Reviews
* Data points are triangulated from 2025 analyses by Bankrate, NerdWallet and ValuePenguin.
**J.D. Power 2025 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Washington
In Washington, across recent 2025 studies, the average cost of car insurance is roughly $1,550–$1,750 per year for a full coverage policy and about $520–$650 per year for a minimum coverage policy (Bankrate; NerdWallet; ValuePenguin). These figures are materially higher than 2021 levels, consistent with increases shown in the BLS motor‑vehicle‑insurance CPI. However, keep in mind that car insurance rates are personalized for every driver. In addition to location-based factors, like your ZIP code and loss statistics in your area, premiums in most states are also impacted by your vehicle, age, claim history, credit, and driving record. As a result, it’s important to shop around and compare car insurance quotes before purchasing a policy.
Top 3 Cheapest Car Insurance Companies in Washington
| Company | Average Annual Full Coverage Premium |
| USAA | Often among the lowest; varies by profile (statewide avg ~$1,550–$1,750) |
| State Farm | Frequently below the statewide average for many clean drivers |
| Geico | Frequently competitive for good drivers and low-mileage households |
Top 3 Most Expensive Car Insurance Companies in Washington
| Company | Average Annual Full Coverage Premium |
| Allstate | Often above the statewide average; savings depend on discounts/telematics |
| Farmers | Often above the statewide average; varies by ZIP and profile |
| Liberty Mutual/Safeco | Often above the statewide average; bundling and telematics can help |
Top 3 Cheapest Cities for Car Insurance in Washington
| City | Average Annual Full Coverage Premium |
| Walla Walla | ~$1,300–$1,800 (typical full-coverage range in recent studies) |
| Pullman | ~$1,300–$1,800 (typical full-coverage range in recent studies) |
| Wenatchee | ~$1,300–$1,800 (typical full-coverage range in recent studies) |
Top 3 Most Expensive Cities for Car Insurance in Washington
| City | Average Annual Full Coverage Premium |
| Tacoma | ~$2,100–$2,800+ (typical full-coverage range in recent studies) |
| Seattle | ~$2,100–$2,800+ (typical full-coverage range in recent studies) |
| Kent | ~$2,100–$2,800+ (typical full-coverage range in recent studies) |
Key Things to Know About Car Insurance in Washington
As a Washington driver, you can access specific information regarding insurance from the Department of Licensing (DOL). Additional consumer guidance, current minimums, and shopping tools are provided by the Office of the Insurance Commissioner. You can also review company complaint experience via the OIC’s Complaint Index.
Washington Minimum Insurance Requirements
Most states require drivers to have some sort of car insurance, but the type of coverage and limits that each state requires will vary. In Washington, the mandatory liability minimums remain in place and cover bodily injury and property damage when you are at fault (RCW 46.29.090).
Washington minimum auto insurance requirements:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 for property damage liability
In addition to liability coverage, Washington car insurance companies are required to offer personal injury protection (PIP) and uninsured motorist coverage to all drivers; these can be rejected in writing (PIP; UM/UIM).
Car Insurance Coverage Options
There are additional coverages when considering further financial protection as a driver in Washington: Washington also has statewide rideshare standards effective 2023 (HB 2076) and peer-to-peer car sharing rules (RCW 48.177); if you drive for a platform or share your car, confirm who provides primary coverage in each driving period and consider endorsements as needed.
- Collision: Covers the cost of damage to your vehicle caused by a collision as well as damage caused by your vehicle flipping over or hitting a pothole.
- Comprehensive: Covers the cost of damage caused by something other than a collision with another car or object, such as theft or fire.
- Uninsured and underinsured motorist: Covers damage caused by a driver who is at-fault but does not have insurance or insurance that will fully cover the cost of damages.
- Roadside assistance: Covers the cost of roadside services that may be required if your vehicle breaks down and needs to be towed.
Frequently asked questions
Methodology
Reviews.com scores products, services and companies using quantifiable criteria to help readers choose the best one for them. For the best car insurance in Washington, our editorial team compared affordability and rate stability, customer support, coverage options, complaint and satisfaction data, financial strength and online resources from each company. We used 2025 statewide analyses from Bankrate, NerdWallet and ValuePenguin; the latest J.D. Power satisfaction results; and official context such as the NAIC Auto Insurance Database Report and BLS CPI. These scores are meant to help simplify the process of choosing which car insurance company is best for you.
For average pricing, we referenced multiple 2025 studies. “Full coverage” in consumer rate studies typically means liability plus comprehensive and collision with common deductibles; exact limits and vehicles vary by source. For illustration, many studies model limits similar to the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, sources use coverage that meets each state’s requirements. Example base profiles often assume a late-model sedan, a five-day commute and roughly 12,000 miles annually, but specifics vary by source.
These are sample rates and should only be used for comparative purposes.
