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The Best Washington Auto Insurance Companies

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    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

    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$1,678.694A++821
    Pin USAA$504.81$1,604.134.8A++884
    Pin State Farm$794.64$2,153.164.8A++844
    Pin Progressive$738.53$2,066.194.2A+817

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    Best for affordability

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $550.42* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 821** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.

    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
    Read More

    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

    More Geico Insurance Reviews

    Best for military families

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $504.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 884** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Affordable auto insurance policies
    • Multiple discounts
    • Personalized customer service

    Cons

    • Limited number of branch locations
    • Available only to military families
    Read More

    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

    More USAA Insurance Reviews

    Best for discounts

    Why we chose it

    State Farm, the biggest car insurance provider in the nation by market share, offers impressive coverage and discounts.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $794.64* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 844** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm, the biggest car insurance provider in the nation by market share, offers impressive coverage and discounts.

    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
    Read More

    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

    More State Farm Insurance Reviews

    Best for high-risk drivers

    Why we chose it

    Progressive is well-known for offering coverage to high-risk drivers who may struggle to find it elsewhere, with many ways to lower your premium.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $738.53* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 817** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is well-known for offering coverage to high-risk drivers who may struggle to find it elsewhere, with many ways to lower your premium.

    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
    Read More

    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

    More Progressive Insurance Reviews

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    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

    CompanyAverage 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

    CompanyAverage 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 

    CityAverage 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 

    CityAverage 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.

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