In Washington, drivers are required to have car insurance before they operate a motor vehicle on any roadway. Since so many options are available, we have determined which car insurance companies are the best in Washington by evaluating each company’s affordability, customer support, coverage options, customer satisfaction scores and online resources.
Our research found that Geico, USAA, State Farm and Progreesive are the best insurance companies in Washington, so in this review, we will discuss each company’s coverage options, discounts, average cost of insurance and more.
The 4 Best Auto Insurance Companies in Washington
- Geico: Best for affordability
- USAA: Best for military families
- State Farm: Best for customer service
- Progressive: Best for high-risk drivers
Compare the Best Car Insurance Companies in Washington
| Average Price for State Minimum* | Average Price for Full Coverage* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | 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 | $550.42 | $1,678.69 | 4.6/5 | A++ | 834/1,000 | |
| Pin USAA | $504.81 | $1,604.13 | 4.8/5 | A++ | 883/1,000 | |
| Pin State Farm | $794.64 | $2,153.16 | 4.4/5 | A++ | 814/1,000 | |
| Pin Progressive | $738.53 | $2,066.19 | 4.4/5 | A+ | 821/1,000 |
Information accurate as of: 10/23/2020
* Data provided by Coverage.com
Best for affordability
Why we chose it
Pros
- Low-priced policies
- Above average customer service
- Good discounts
- Strong financial ratings
Cons
- No discounts for hybrid/electric cars
- Coverage might be subject to affiliated and non-affiliated insurance companies.
- Does not offer gap insurance
Types of Coverage Offered
- Personal injury protection (PIP)
- Roadside Assistance
- Rental reimbursement
- Mechanical breakdown coverage
Discounts Available
- Vehicle safety features
- New vehicle
- Good student
- Seat belt use
- Defensive driving course
- Driver education course
- Emergency deployment
- Federal employee
- Military
- Multi-vehicle
- Multi-policy
*Data provided by Coverage.com, price based on the state minimum required policy.
*J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Geico
Best for military families
Why we chose it
Pros
- Affordable auto insurance policies
- Multiple discounts
- Personalized customer service
Cons
- Limited number of branch locations
- Available only to military families
Types of Coverage Offered
- Accident forgiveness
- Personal injury protection (PIP)
- Extended benefits coverage
- Roadside assistance
- Rental car reimbursement
Discounts Available
- Annual mileage
- Good student
- New Vehicle
- Multi-vehicle
- Defensive driving course
- Driver training course
- Vehicle storage
- Length of membership
- Policy bundling
- Military installation
- Safe driver
- Family discount
*Data provided by Coverage.com, price based on the state minimum required policy.
*J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on USAA
Best for discounts
Why we chose it
Pros
- Great discounts
- Coverage for rideshare drivers
- Highly rated mobile app
- Impressive financial strength
Cons
- Expensive policies for state minimum coverage
- No accident forgiveness
- Fewer add-on coverages than competitors
Types of Coverage Offered
- Liability
- Medical
- Uninsured motorist
- Collision
- Comprehensive
- Emergency road service
- Car rental and travel
- Rideshare driver
- Roadside assistance coverage
Discounts Available
- Policy bundling
- Accident-free
- Defensive driving course
- Student away at school
- Good driver
- Driving training
- Good student
- Vehicle safety
- Passive restraint
- Anti-theft device
- Multi-vehicle
*Data provided by Coverage.com, price based on the state minimum required policy.
*J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on State Farm
Best for high-risk drivers
Why we chose it
Pros
- Great discounts
- Fast and efficient claims handling
- Variety of add-on policies for customization
Cons
- 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
- Multi-policy
- Multi-vehicle
- Continuous insurance
- Snapshot® program
- Teen driver
- Good student
- Distant student
- Homeowner
- Online quote
- Sign online
- Paperless billing
- Pay in full
- AutoPay
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Progressive
- Progressive auto insurance review
- Progressive homeowners insurance review
- Progressive renters insurance review
The average cost of car insurance in Washington
The average cost of insurance in Washington is $1,305 for full coverage and $408 for state minimum liability. Compared to other states, Washington’s insurance average cost of insurance is amongst the cheaper states. This difference in cost may be influenced by things like crime rates and weather, but drivers will also see their car insurance premium impacted based on individual factors, including credit score, age, and gender.
Top 3 Cheapest Car Insurance Companies in Washington
| Company | Average Annual Premium |
| USAA | $505 |
| Garrison | $549 |
| Pemco | $520 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Washington
| Company | Average Annual Premium |
| Allstate | $806 |
| State Farm | $795 |
| Progressive | $739 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Cheapest Cities for Car Insurance in Washington
| City | Average Annual Premium* |
| Othello | $445 |
| Colville | $446 |
| Pullman | $456 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in Washington
| City | Average Annual Premium* |
| Bryn Mawr-Skyway | $824 |
| Federal Way | $801 |
| Tukwila | $791 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Guide to Washington Car Insurance
As a Washington driver, you can access specific information regarding insurance from the Department of Licensing (DOL). Additional information is also provided by the Office of the Insurance Commissioner.
Car Insurance Add-Ons That Will Further Protect You
There are additional coverages recommended to offer you further protection as a driver in Washington:
- Collision: Covers the cost of damage to your vehicle caused by a collision as well 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 will be required if your vehicle breaks down and needs to be towed.
Washington Minimum Insurance Requirements
Every state requires drivers to have some sort of car insurance, but the type of coverage and limits that each state requires will vary. Washington requires drivers to have liability insurance, which will cover the cost of bodily injury and property damage they are at-fault in an accident.
Minimum liability required in the state of Washington is divided as follows:
- $25,000 bodily injury or death coverage for one person per accident.
- $50,000 bodily injury or death coverage for two people per accident.
- $10,000 for property damage
Washington Car Insurance FAQ
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Washington, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.
As for average pricing, we used Coverage.com’s data of car insurance in Washington, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
About the Authors
The Reviews.com staff is dedicated to providing you with all the deep-dive details. Our writers, researchers, and editors came together from Charlotte, Seattle, San Juan, Fort Worth, Fort Lauderdale, San Diego, and Chicago to put this review together.
