should definitely be on your list. Recently, we ranked the best car insurance companies in the industry on things like coverage options, customer service, price, and financial stability. Read on to find out which providers we recommend in Washington, how much auto insurance in Washington costs, and what coverage is required.
To start, we recommend getting matched with the best auto insurance in your area. Simply call our team at (844) 246-8209 or use the tool below to get a few free quotes.
Best Washington Auto Insurance Providers
To find the best Washington auto insurance, we went through the industry’s top providers list and re-examined these companies in light of Washington state laws and guidelines. We also reviewed average prices for Washington drivers to determine which company offers the lowest car insurance rates. Here is what we found.
#1 First Choice: USAA Auto Insurance
According to the U.S. Census Bureau, veterans account for about nine percent of the population in Washington. That means there are a lot of people who can take advantage of USAA insurance. If you are a veteran or if you’re closely related to one, you should definitely check out USAA to try and get the cheapest car insurance in Washington. Here’s how you can qualify:
- Be a current or former member of the U.S. military
- Be a member of a commissioning program
- Be a spouse or child of a USAA member
Once someone becomes a USAA member (by purchasing home or auto insurance), eligibility can be passed down through generations.
So why do we like USAA auto insurance? Well, the company throws a one-two punch of great prices and great customer service. Sometimes, you have to choose between the two, but not here. In terms of customer service, USAA outperformed most or all of its competition in J.D. Power’s 2021 U.S. Insurance Shopping Study and 2021 U.S. Auto Claims Satisfaction Study.
As for pricing, USAA is one of the most affordable companies around. Drivers can expect to pay below the state average for Washington auto insurance (we’ll talk more about that later on). USAA also holds an A++ financial strength rating from AM Best, which is the highest possible rating. That means the company can respond to claims and compensate drivers quickly.
With USAA auto insurance in Washington, you could qualify for discounts such as:
- Safe driver
- Defensive driving
- Good student
- New vehicle
- Annual mileage
- Vehicle storage
To learn more about the car insurance provider, check out our complete review of USAA insurance.
#2 Runner-Up: State Farm Auto Insurance
Not everyone can get USAA, but many people can still get cheap car insurance in Washington through State Farm. Like USAA, State Farm has a financial strength rating of A++ with AM Best. The company is the largest in the nation and offers a range of car insurance coverage options for drivers. State Farm also performed very well on J.D. Power’s Auto Claims Satisfaction Study, but it gave an average performance in the Insurance Shopping Study.
State Farm offers a couple of different apps that can help people save money on their Washington auto insurance policies. Drive Safe & Save is State Farm’s usage-based program that can help drivers save up to 30 percent on their premiums. If you choose this option, your discount will be based on your driving skills, but your rates won’t go up if it turns out that you are a poor driver. In other words, good drivers can save more, but bad drivers won’t be penalized.
Steer Clear is a driving education app available for people under the age of 25. After completing in-app lessons and logging driving hours, you can get a discount of up to 15 percent on your auto insurance in Washington. In addition to these apps, State Farm also has its standard mobile app that lets you manage your account, request roadside assistance, and file claims.
With State Farm, you could qualify for car insurance discounts such as:
- Driver training
- Vehicle safety/passive restraint
- Defensive driving course
- Student away at school
State Farm’s student discount is particularly good. Above-average students can get up to 25 percent off their Washington car insurance premiums. Plus, the discount lasts after college until age 25.
To learn more about the auto insurance provider, check out our review of State Farm insurance. For a direct comparison of coverage between the two providers, check out our review of USAA vs State Farm.
#3 Geico Auto Insurance
Our research named Geico the best overall choice for car insurance in the nation. For Washington auto insurance, Geico comes in third best for its affordable rates and comprehensive coverage. Here are some quick facts about Geico:
- Top ratings from the Better Business Bureau (A+) and AM Best (A++)
- Comprehensive list of discounts
- Simple claims process
Geico customers can customize their policy with a variety of standard car insurance coverages plus options like:
- DriveEasy: Geico’s usage-based safe driving program is designed to monitor safe driving habits through an app on your phone and qualify you for savings.
- Roadside assistance: Receive towing, flat-tire services, lockout assistance, and more if your car becomes disabled on the side of the road.
- Mechanical breakdown insurance: This coverage offers protection for certain car parts liable to break down.
- Rideshare insurance: This coverage protects drivers who work for Lyft or Uber and covers passengers in the event of an accident.
Geico also has strong discount opportunities for customers, like affinity membership discounts that reward customers who belong to different alumni, academic, and professional organizations. There’s a customer loyalty program too, which helps long-term customers save money.
Learn more about coverage in our full Geico review.
#4 Progressive Auto Insurance
If you’re a high-risk driver, such as a driver in your 20s or someone with a history of DUIs or reckless driving, Progressive might be the best Washington auto insurance company for you.
Progressive offers competitive discounts and tools like Name Your Price® and the Snapshot® safe driving program:
- Name Your Price: When getting an online quote with Progressive, tell the Name Your Price tool the amount you’ve budgeted to spend on car insurance, and you will be matched with plans that fit your budget.
- Snapshot: Progressive’s usage-based safe driving program monitors driving habits through an app on your phone and calculates discounts accordingly.
Progressive also offers an accident forgiveness policy through its customer loyalty program. Immediately upon buying a Progressive car insurance policy, customers who have gone the past three years without filing a claim or committing a traffic violation receive small accident forgiveness that waives a first claim resulting in less than $500 of damage. Large accident forgiveness is available to customers who have been with Progressive for at least five years.
Read our Progressive insurance review to learn more about what the company offers.
#5 Allstate Car Insurance
Allstate has average ratings among customers and an excellent reputation among industry experts. This provider could be the right choice for drivers looking for Washington auto insurance.
In addition to having a strong reputation, Allstate offers standard insurance plus the following coverages:
- Rideshare insurance
- Classic car insurance for antique vehicles, custom builds, and hot rods
- Mexico travel insurance
- Custom parts and equipment coverage
Learn more about coverage in our Allstate insurance review.
What Are Washington Auto Insurance Requirements?
All states have automobile financial responsibility laws. These laws ensure that victims of car accidents are compensated by at-fault parties. You can fulfill financial responsibility laws in a few ways, but the easiest way is by purchasing car insurance that meets state minimum requirements.
In Washington, you are required to carry liability insurance in the amounts of 25/50/10. Here’s what that means:
|$25,000 Bodily Injury per Person||Covers medical bills, lost wages, and death benefits for other parties in accidents you cause up to a maximum of $25,000 per person|
|$50,000 Bodily Injury per Accident||Covers medical bills, lost wages, and death benefits for other parties in accidents you cause up to a maximum of $50,000 per accident|
|$10,000 Property Damage||Covers car repairs and property damage for other parties in accidents you cause up to a maximum of $10,000 per accident|
When you purchase auto insurance in Washington, you will have a few more standard coverage options that aren’t required but can be good to have:
- Collision: Repairs your car after an accident no matter who was at fault
- Comprehensive: Repairs your car after a non-collision event like a flood or vandalism
- Personal injury protection: Covers medical bills, lost wages, and death benefits for you no matter who caused the accident
- Medical payments: Covers medical bills no matter who was at fault
- Uninsured/underinsured motorist: Pays for medical bills for you and your passengers and pays for repairs to your car when you are hit by an uninsured or underinsured driver
If you get caught driving without car insurance in Washington, you could be fined $550 or more. Also, if you cause an accident and don’t have insurance, you could have your license suspended.
In Washington you have a few more ways of satisfying the state’s financial responsibility laws, according to the WADOL:
- You can qualify for self insurance if you own at least 26 vehicles
- You can purchase a liability bond for $60,000 or more
- You can deposit at least $60,000 in an account with the state of Washington or the Department of Licensing
In each of these scenarios, you would compensate accident victims with your own money rather than relying on an auto insurance company.
What Is The Average Cost Of Washington Auto Insurance?
According to the National Association of Insurance Commissioners (NAIC), the national average car insurance expenditure was $1,004.68 per year in 2017. Luckily, drivers in Washington only paid an average of $994.03.
|Type of Coverage||Average Annual Expenditure in 2017|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Washington drivers actually spent on auto insurance in 2017.
Of course, you might see different insurance quotes than the state averages. In fact, it would be rare to find a quote that was exactly the same as your state average. Washington auto insurance rates are based on your unique background, which is why companies don’t charge a flat rate for all their customers. Things that affect your car insurance rate include:
- The type of car that you drive
- Your age
- Your credit score
- Your driving history
- Recent claims
- Other family members on your policy
- The zip code that you live in
- The average price of new cars in your area
To see how the above factors would affect your specific insurance rate, call our team at (844) 246-8209 or use this tool to get quotes:
Also, companies can increase car insurance rates at different times. Providers adjust state-wide rates periodically, and your rate might go up for no fault of your own.
Why Should You Go For Full Coverage?
Washington auto insurance requirements are pretty average when compared with those of other states. Five other states have the exact same requirements, and many more share the same bodily injury limits. However, these limits aren’t enough to cover catastrophic or multi-accident claims.
Also, you might have noticed that the Washington auto insurance minimum doesn’t require collision or comprehensive coverage. In fact, no state requires these coverages. If you just go with minimum coverage, you would have to pay for repairs to your car yourself – unless you weren’t at fault in an accident.
However, even if you weren’t at fault, collision coverage can still come in handy. That’s because it can take weeks or months to receive a settlement from another insurance company. Sure, you might be able to drive your car around with a small dent in the side panel, but what if it was a more serious accident? Could you figure out another form of transportation?
With collision coverage, you can have your car fixed right away. Your insurance company will cover the repairs upfront, and then it will seek reimbursement from the at-fault party’s insurance company when the claim is settled.
Washington Driver Facts
In 2018, Washingtonians drove 12,837 miles on average. That’s a bit less than the national average of 14,425 miles, and it’s one reason why Washington auto insurance is more affordable than insurance in many other states. Also in 2018, according to the WSDOT, there were 116,035 car accidents in Washington. Luckily, that number dropped to 95,959 car accidents in 2019, which is the lowest the state has seen in the past 10 years.
Many drivers are worried about getting into a car accident with other drivers on the road. But the evidence shows that more serious injuries and fatalities happen from single-vehicle accidents than multi-vehicle accidents. In 2018, 1,344 single-vehicle crashes led to serious injuries or fatalities in Washington, while 1,071 multi-vehicle crashes led to the same, according to the WSDOT.
Watch Out For Uninsured Drivers
Washington auto insurance minimums don’t require uninsured or underinsured motorist coverage. These coverages pay for repairs to your car and for medical bills for you and your passengers when you get hit by someone without insurance (or without enough). You might think that is a rare occurrence, but the chance of running into an uninsured motorist is pretty high in Washington.
In 2015, the state had the seventh highest uninsured driver rate in the United States. According to the Insurance Information Institute, 17 percent of drivers in Washington went without insurance that year.
Now, that number doesn’t include underinsured drivers. The definition of an underinsured driver can depend on your situation and the accident. For example, let’s say your car was totaled by a driver who had the minimum property damage insurance of $10,000. If your car was worth less than that, everything works out.
However, you can only get $10,000 from the other driver’s insurance company even if your car is worth more. The only other option you have is to sue the other driver, but that’s not fun. Underinsured motorist or collision coverage can close the gap, so it’s a good idea to have at least one of these options with your Washington car insurance policy.
Get A Quote
The Evergreen State has it all – a beautiful coastline, forested mountains, and one of the biggest cities in the United States. When you’re out exploring, you want to be protected with the best Washington auto insurance. Fortunately, auto insurance in Washington is more affordable compared to many other states.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Here’s another quick comparison of USAA and State Farm.
|#1 USAA Auto Insurance||#2 State Farm Auto Insurance|
|AM Best Financial Strength Rating||A++||A++|
|Eligibility||Military members and family||Anyone|
|Apps||USAA Mobile app||State Farm mobile app, Drive Safe & Save, Steer Clear|
|Usage-Based Discounts||Not in Washington||Drive Safe & Save|
|Gap Insurance||Yes||Only on vehicle loans from State Farm Bank|
Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.