INSURANCE - CAR INSURANCE

Best Car Insurance in Washington for 2024

Updated April 15, 2024
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USAA generally has the best car insurance in Washington for those who qualify.

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Driving along Washington’s stunning coastlines and lush forests is a treat for locals and tourists alike. Thankfully, car insurance is affordable for residents of the Evergreen State. Below, we look at the best car insurance in Washington to help you find the right coverage at the right price.

In this article

Key takeaways

  • The best car insurance in Washington is USAA, which costs $826 a year for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $98 per month in Washington.
  • Kent drivers generally pay the most for full coverage insurance, an annual average of $1,965.

Best car insurance companies in Washington

The best car insurance in Washington is USAA, which costs an annual average of $826 per year for full coverage and $826 annually for minimum liability coverage.

Farmers had the most expensive minimum coverage in the state, costing $951 per year. It also had the most expensive full coverage, averaging $1,944 annually.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 875/1,000 $826/year $318/year
State Farm 821/1,000 $1,043/year $484/year
Progressive 807/1,000 $1,050/year $629/year
GEICO 797/1,000 $952/year $459/year
Farmers 796/1,000 $1,944/year $951/year
Allstate 783/1,000 $1,487/year $810/year

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USAA: Highest customer satisfaction

USAA had the highest customer satisfaction rating in Washington, earning 875 out of 1,000 in J.D. Power’s customer satisfaction ratings. It has multiple standard policy options, and you can see significant savings on full and minimum coverage policies if you qualify for USAA coverage. However, its policies are only available to current and former military members and their immediate families.

Pros
  • USAA had the lowest full and minimum coverage pricing in Washington
  • It offers various discounts, including up to 30% off using the Safe Pilot program
Cons
  • USAA policies are not available to non-military members
  • You may find more specialty policies, like gap coverage, with a competitor

Get a quote now | USAA review

State Farm: Best for new drivers

State Farm’s coverage in Washington averages $1,043 annually for full coverage and $484 for minimum coverage. It has standard and specialty policies and can be a good option for many, especially for families with new drivers. State Farm offers up to 25% in savings specifically for new drivers, and the Drive Safe & Save app can save you up to 30% for safe driving habits.

Pros
  • State Farm earned the second-highest customer satisfaction rating in Washington
  • Its pricing was cheaper than several of its competitors
Cons
  • You can request a quote online but must work with a State Farm agent to purchase a policy
  • It doesn’t offer some specialty options like vanishing deductibles or gap insurance

Get a quote now | State Farm review

Progressive: Best for high-risk drivers

Progressive is a more expensive option in Washington, costing an average of $1,050 per year for full coverage and $629 for minimum coverage. However, it may be a good choice for people with multiple speeding tickets, a DUI, or at-fault accidents on their record since it may offer better pricing to high-risk drivers than some competitors. Progressive can also file SR-22 forms required by the courts.

Pros
  • Progressive has multiple policy options, including a vanishing deductible
  • It had the third-highest customer service rating in Washington
Cons
  • Good drivers in Washington may find cheaper coverage with a competitor
  • You could see your rates increase if you use the Progressive safe driving program, Snapshot, and engage in high-risk driving

Get a quote now | Progressive review

GEICO: Most affordable coverage

GEICO’s coverage is the most affordable option available to the general public in Washington. It costs an average of $952 per year for full coverage and $459 for minimum coverage. GEICO has multiple policy options and discounts, but you may need to look elsewhere if you want specialty options like a vanishing deductible.

Pros
  • GEICO has the cheapest coverage available to the general public in Washington
  • It has multiple discounts, including up to 22% off for going five years without an accident
Cons
  • You may be able to find more specialty policies with a competitor
  • It earned below-average customer service scores

Get a quote now | GEICO review

Allstate: Best for new cars

Allstate is the second most expensive carrier in the state, costing an average of $1,487 per year for full coverage and $810 annually for minimum coverage — more than double USAA’s minimum coverage costs. However, it offers policies specifically to protect brand-new vehicles, like new car replacement, guaranteed asset protection (gap), and repair provision coverage.

Pros
  • Allstate offers multiple policy add-ons, including accident forgiveness
  • It has numerous agents throughout Washington
Cons
  • You will likely find better pricing with a competitor on full and minimum coverage
  • It earned the lowest customer satisfaction score on our list

Get a quote now | Allstate review

Washington auto insurance requirements

Washington state requires all drivers to have auto insurance or prove they can take financial responsibility for an accident.

For people who choose to carry insurance, the minimum requirements are:

  • $25,000 in bodily injury liability for one person
  • $50,000 in bodily injury liability for two or more people in any one accident
  • $10,000 in property damage liability

If you choose not to have auto insurance, you must be able to prove that you can take financial responsibility for an accident in one of these ways:

  • If you have 26 or more vehicles, you can self-insure by contacting the Washington Department of Licensing and completing the required paperwork.
  • File a certificate of deposit and make a minimum deposit of $60,000 with the Department of Licensing.
  • Provide a liability bond of at least $60,000 from a surety company licensed to do business in Washington to the Department of Licensing.

How to choose a car insurance provider in Washington

If you’re researching a new car insurance provider, consider the following to ensure you get the best deal:

  • Check financial stability: Use a website like Standard & Poor’s or AM Best to check each insurance company's financial rating. Before you request a quote, confirm that the company is licensed to do business in Washington by checking the Washington State Office of the Insurance Commissioner or the National Association of Insurance Commissioners (NAIC).
  • Get multiple quotes: Compare pricing and coverage options from at least three companies and confirm the quoted policies match your current insurance type and limits. Ensure that you are also getting all the discounts you qualify for.
  • Ask for reviews: Ask friends and family for recommendations and check review websites like the Better Business Bureau to see how a company responds to customer issues.

How much does car insurance cost in Washington?

The average cost of car insurance in Washington is $1,177 annually for full coverage policies and $665 per year for the state’s minimum coverage.

Kent drivers tend to pay the most for car insurance in Washington, for an annual average of $1,965. Spokane drivers have the lowest average costs for car insurance in Washington, an average of $1,453 per year.

Washington car insurance rates by city

The crime rate where you live can influence your car insurance rates. According to the analytics website NeighborhoodScout, residents of Kent have a one-in-67 chance of having their cars stolen, likely leading to more insurance claims and higher rates.

In contrast, Bellevue residents have a one-in-316 chance of being the victim of car theft, as reflected in their average insurance rates.

City Avg. annual full-coverage premium
Kent $1,965/year
Tacoma $1,887/year
Seattle $1,820/year
Bellevue $1,668/year
Vancouver $1,581/year
Spokane$1,453/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Washington

What are the minimum car insurance coverage requirements in Washington?

In Washington, the minimum car insurance coverage requirements are $25,000 in bodily injury liability for one person and $50,000 for two or more people in an accident. Drivers must also have at least $10,000 in property damage liability.

How much does car insurance cost in Washington?

Car insurance in Washington costs an annual average of $1,177 for full coverage and $665 for minimum coverage.

Which car insurance companies cover Washington?

Many well-known car insurance companies cover Washington, including State Farm, USAA, Allstate, GEICO, Progressive, and Farmers.

What is the cheapest car insurance company in Washington?

The cheapest car insurance in Washington is generally found with USAA, which costs an average of $826 annually for full coverage and $318 per year for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.