Best car insurance companies in Washington

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    Article Highlights

    For drivers looking for the best car insurance in Washington, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Washington and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Washington.

    The average Washington driver pays $1,311 per year for insurance, which breaks down to about $109 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Washington and may not reflect your actual premium quote.

    Washington quickfacts

    • Cheapest carrier for full coverage in Washington is PEMCO: $1,080
    • Cheapest carrier for minimum coverage in Washington is PEMCO: $279
    • Carrier with highest customer satisfaction in Washington: USAA
    • Number of uninsured drivers in Washington: 17.4%
    • Washington is on the lower end for car insurance rates

    Average cost of car insurance in Washington

    Clean record1 speeding ticket1 accident
    Full coverage$1,305$1,545$1,545
    Minimum coverage$408$484$484

    Quadrant data services, 2020

    Best car insurance companies in Washington

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$2,005$590
    GEICO$1,115$361
    Progressive$1,171$395
    Travelers$1,350$467
    State Farm$1,478$428
    USAA$1,109$354
    Mutual of Enumclaw$1,269$434
    PEMCO$1,080$279

    Quadrant data services, 2020

    Car insurance rates in Washington by city

    City Full coverage annual rate Minimum coverage annual rate
    Seattle$1,459$471
    Spokane$1,222$366
    Tacoma$1,536$492
    Vancouver$1,303$415
    Bellevue$1,347$444

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $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 5 days a week and driving 12,000 miles per year.

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