The Best Car Insurance Companies in Washington

Washington state offers unmatched beauty along with thousands of miles of roads used by over 4.8 million drivers. Finding the best car insurance in Washington is easier than ever for these millions of drivers, thanks to a number of reputable national and local carriers. Whether you’re looking for the lowest premiums or a company using the latest gadgets and tools, keep reading to find out who made our list for best auto insurance companies in Washington based on our SimpleScore methodology. We’ve compared discounts, coverage options and customer satisfaction ratings so you know who has the best offerings for drivers in the Evergreen State.

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    Insurance premiums vary significantly from one person to the next, so there’s no way to recommend one company to everyone. Many insurers offer car insurance in Washington state. Under state law, insurers may consider your age, driving record, where you live, credit history and other factors to decide whether they will offer you coverage. Not every insurer will offer you coverage or charge you the same premium for the same coverage.

    Every insurer has its own formula for determining how much to charge you. It measures things like your driving history and address to determine your risk. Those formulas are all slightly different, so you have to get several quotes to find out what is the best car insurance for you. Try starting with at least five quotes. Getting more is even better.

    In this article

      The best cheap car insurance in Washington

      Best for Customer Service – State Farm

      Jake from State Farm can rock a pair of khakis while providing an impressive number of discounts, numerous coverage options and great customer service.

      J.D. Power Rating
      4/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4.6 / 5.0
      close
      SimpleScore State Farm 4.6
      Affordability 4
      Coverage Options 5
      Customer Satisfaction 4
      Support 5
      Accessibility 5

      State Farm scores high for both financial ratings and customer satisfaction. The Superior A++ Rating from AM Best indicates the financial strength and stability of the largest auto insurance provider in the U.S. Although you’ll find mixed reviews with the BBB, State Farm still scores fifth overall in the 2019 J.D. Power U.S. Auto Claims Satisfaction survey. State Farm offers competitive rates, a long list of discounts and multiple coverage options, making it a top contender for many consumers.

      Best for Variety of Discounts – Progressive

      Flo and her red lips aren’t the only things that make Progressive memorable — the discounts are pretty unforgettable too.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 4
      Support 4
      Accessibility 4

      Progressive provides all the standard auto insurance coverages you need, but also options for roadside assistance, loan/lease payoff, car rental reimbursement — even custom equipment coverage. Along with the numerous coverage options, the discounts are substantial. You can bundle policies for more savings, like with the Snapshot™ safe driver program for a greater discount. Progressive even offers the Name Your Price® Tool so you can customize your auto policy based on your current budget.

      Best for Low Premiums – GEICO

      If you like low premiums on your car insurance and as little human interaction as possible, you’ll like the rates and technological tools Geico provides for its customers.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      4.8 / 5.0
      close
      SimpleScore GEICO 4.8
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 4
      Support 5
      Accessibility 5

      Geico is known for offering affordable rates with a large number of discounts available. But Geico’s customer service doesn’t hit the highest mark in the latest J.D. Power survey. Geico offers several specialty coverage options, including mechanical breakdown coverage — which can be useful if your vehicle needs assistance because of a breakdown. Geico’s highly-rated customer app and website are convenient tools for customers to manage their policy at their fingertips.

      Best for Military Families – USAA

      Yes, it’s true — USAA is proof that good customer service can still be found.

      J.D. Power Rating
      5/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore USAA 4.4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 5
      Support 4
      Accessibility 4

      USAA is consistently rated one of the top auto insurance providers because of the strong financial ratings, high customer service rankings and convenient tools. While policies are only available to military families, USAA offers a rare guaranteed-renewal for the life of your policy. As long as you maintain your premiums and your driver’s license, then your coverage will remain in place for life with USAA.

      Best for Policy Customization – Allstate

      If you’re the type of person who likes to do things their own way, you’ll love how you can customize your policy with Allstate.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      A-
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Allstate 4.4
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 4
      Support 5
      Accessibility 5

      Allstate features coverage options you don’t always find with other well-known companies while allowing you to customize your policy exactly how you want it. You can find coverage for specialty areas such as classic cars, rideshare insurance and custom sound equipment. Although Allstate typically has higher premiums, there are also a number of discounts to help offset the costs. Accident forgiveness and Deductible Rewards® are some of the more popular features you can tack on to your policy to lower costs.

      [ Read: Best Cheap Car Insurance Companies ]

      Choosing your provider 

      When shopping around for car insurance, you’ll need to choose between a national or a local provider. While National carriers have the big marketing budgets to spend on slick ads, it pays to check out the smaller local carriers you may not be as familiar with.

      Local provider

      Pros 

      • Are familiar with specific location requirements.
      • Tend to have better customer service.
      • Usually have live agents for a personalized experience.

      Cons 

      • Slower claims processing.
      • May not have all the cool, tech features a national provider can offer.

      National provider

      Pros

      • Will likely offer better discounts.
      • Strong track record for financial strength and stability.
      • Easy to obtain a quote or purchase online, through the app or large network of agents.

      Cons 

      • Low customer satisfaction ranking.
      • More difficult to personalize coverages.

      [ Next: How Much Does Car Insurance Increase After an Accident? ]

      Washington’s minimum insurance requirements

      Washington state requires you to carry a minimum of $25,000 in bodily injury liability per person and $50,000 per accident. In addition, you’re required to carry a minimum of $10,000 in property damage liability per accident, which is damage you cause to another car or property. Although $10,000 is the minimum, remember the property damage liability coverage is per accident. This means if there are two or three cars damaged in an accident you cause, then $10,000 might not be enough coverage to replace the damage to multiple cars.

      How much does car insurance cost in Washington? 

      According to the Insurance Information Institute (iii), the average annual premium in Washington state is $924, which is slightly below the national average of $1,004. But a 30-year-old with good credit who drives a 2017 Honda Civic has an average annual premium of $671, illustrating how auto insurance rates are varied in Washington like they are in other states. To get an exact quote for the best auto insurance in Washington, you’ll need to provide your demographic information, vehicle information, driving history and your coverage selections. These are all factors that directly impact the rate you pay on your premiums.

      Compare Affordable Auto Insurance Rates in Washington

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by HomeInsurance.com (NPN: 8781838)

        Minimum coverage vs. full coverage car insurance quotes in Washington

        CompanyMinimum coverage annual premiumFull coverage annual premium
        State farm$667.55$2,250.7
        Progressive$596.33$2,021.98
        Geico$550.42$1,678.69
        USAA$652.68$2,056.93
        Allstate$793.68$3,030.23

        Washington car insurance FAQs

        No, Washington is not a no-fault state. This means you are not required to carry personal injury protection (PIP) on your auto insurance policy in Washington. A no-fault state requires you (the driver) to file a claim with your own insurance after an accident, even if the accident wasn’t your fault.

        Washington state premiums are slightly below the national average and ranked 18th highest in the United States. But with the use of numerous discounts and comparing several carriers to one another, you can find competitive rates on auto insurance no matter where you live.

        Depending on what you value the most — whether it’s low premiums, strong customer service tech-savvy tools — determines who offers the best auto insurance in Washington. Comparison shopping is essential for finding the right auto insurance carrier with the features you value the most.

        We welcome your feedback on this article and would love to hear about your experience with the car insurance companies we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Sara Coleman

        Contributing Writer

        Sara Coleman is a personal finance journalist based in Charlotte, NC. A journalism major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as The Simple Dollar, Interest.com, WorkingMother, BetterYouMag and SmartMoneyMamas. She loves spending time with her husband and three kids, and has a healthy obsession with coffee.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.