Best Car Insurance in Washington in 2025

State Farm insures nearly 19 percent of all drivers in Washington, making it the largest car insurance company in the state². It offers the best rates for multiple driving profiles, including clean records, teens, drivers with a speeding ticket, or those with an at-fault accident. State Farm also offers several ways to save, including a teen driver program and good student discounts.

Cheapest Average Provider in Washington

State Farm’s annual average rate of $1,505 is the cheapest among providers on our list except USAA, which is only available to military members and families. If you’re looking for the cheapest insurance in Washington, it’s worth getting a quote from State Farm.

Affordable Rates for High-Risk Drivers

State Farm also offers some of the most affordable rates for those considered high-risk drivers, including teen drivers and those with a DUI. Notably, its rates for drivers with a speeding ticket are significantly cheaper — over $200 less than the next cheapest provider, USAA. It’s also a great option for those with an at-fault accident who don’t qualify for USAA.

Discounts for Teens and Students

If you’re a teen or parent of a teen, you have a few ways to bring your costs down with State Farm. Ask your agent to see if you qualify for the following discounts.

• Good student discount: Full-time students under age 25 are eligible for a discount if they have a 3.0 GPA or higher.
• Away at school discount: If you or your teen is under the age of 25 and meet the following requirements, you may qualify for this discount:
  • Must reside at school more than 100 miles away from home
  • Must drive the insured vehicle only when you’re at home during the holidays or school vacations
  • Must keep the car at home while away at school
• Good driving discount: If everyone in your household, including your teen, has had no moving violations or accidents in the past three years, you could qualify for this discount.

Available in Washington and Oregon only, PEMCO is our top choice for regional car insurance in Washington. It comes with a wide range of car insurance discounts, including discounts exclusive to drivers in Washington. If you’re looking for a regional car insurance company and several ways to bring your costs down, PEMCO is our pick.

Local Agents in Washington

When you opt for a regional provider, you enjoy access to a plethora of local agents in your state. PEMCO offers its insurance through 67 independent agents, who also act as brokers for other providers. It’s an advantage for Washington drivers, since your agent can ensure you’re getting the right insurance from PEMCO — and understands the needs of customers in your area.

Your agent will recommend adding coverage based on your budget, needs, and the likelihood of certain accidents in Washington. For example, Washington ranks 10th in the country for highest percentage of uninsured motorists³. In that case, it’s likely that they’ll recommend uninsured/underinsured motorist coverage (which will save you thousands of dollars in a covered incident).

Washington-Specific Discounts

PEMCO is only available in the Pacific Northwest, and several of its discounts are limited to drivers in Washington. Here’s a list of some Washington-exclusive discounts to help reduce your costs:

• Advance purchase discount: Get a discount on your policy with PEMCO when you purchase coverage seven or more days before the start date.
• Auto and mariner discount: Bundle your boat and car with PEMCO to earn this discount.
• Auto and umbrella insurance discount: You can save by bundling your car and umbrella insurance with PEMCO.
• Leased auto discount: If you lease your vehicle, you’ll get a comprehensive and collision coverage discount.
• Paperless discount: You’ll get a discount when you opt to receive your documents and paperwork digitally.

Low-Mileage Discount

Drive less than 8,000 miles per year? Ask your agent about PEMCO’s low-mileage discount. PEMCO customers who drive less than 8,000 miles a year may be eligible for a sizable discount.

USAA memberships are exclusive to military members, veterans, and military families. With some of the cheapest rates in Washington, excellent service scores, and membership perks, USAA is one of the highest-reviewed car insurance providers in the state and the country.

Excellent Rates

With average rates as low as $1,107 annually for full coverage, USAA is one of the cheapest car insurance companies in Washington. It insures 8 percent of all drivers in Washington, making it one of the largest and most affordable in the state.

Highest Customer Service in the Northwest

J.D. Power gave USAA a 729 for overall customer satisfaction in the Northwest, which is 81 points higher than the second best (State Farm) and 100 points higher than the regional average. While USAA technically doesn’t qualify to rank due to its limited availability, this still indicates customers are highly satisfied with the service they receive.

J.D. Power rates auto insurers based on several factors, including billing process and policy information, claims satisfaction, customer interactions, and price. Its study involved responses from 48,121 auto insurance customers from May through April 2025.

USAA Membership Perks

USAA’s insurance membership perks are available to you, your spouse, and your children. With USAA, you get the following additional perks and membership benefits:

• Banking resources, like access to checking accounts with no service fees and home loans
• Access to financial advice and tools, like a retirement calculator
• Discounts on rental cars and repair shops
• Tire discounts
• Car maintenance discounts

GEICO insures 11 percent of Washington’s drivers, making it the fourth-largest auto insurance provider in the state. It has cheap average rates for families with teens and college students, and a number of discounts to lower your premiums.

Cheap Rates for Policies with Young Drivers

Along with State Farm, GEICO has some of the cheapest rates in Washington state for policies with a teen driver.

Numerous Discounts

Military members, federal workers, and employees of affiliate companies can benefit from GEICO’s affiliate membership discounts.

Here’s how much you can save with GEICO.

GEICO also offers DriveEasy, a usage based insurance program that offers a discount on your policy based on your driving habits. Customers can enroll in Drivewise through the GEICO app.

In addition to avoiding distractions, driving smoothly, and maintaining consistent speeds, the program factors in distance driven when calculating your driving score. Washington drivers may have an advantage, as the state has the third-lowest average mileage in the country⁵. Depending on your final score, you can save anywhere between 5 to 15 percent on premiums.

Robust Mobile App Features

With limited agents available in Washington, you might find it easier to manage your policy on the GEICO mobile app. Through the app, you can:

• Review your policy
• Access digital ID card
• Request quotes
• Report and track claims
• Access GEICO’s virtual assistant
• Request roadside assistance
• Find nearby gas stations and garages
• Get updates on important vehicle information like vehicle recalls and registration renewals

Travelers is our top choice for owners of electric and hybrid vehicles. It’s one of the few companies that offers a discount for EV and hybrid owners, and it comes with several coverage add-ons to give you some extra protection.

Coverage for Electric and Hybrid Vehicle Owners

If you own or lease a hybrid/electric vehicle, you can save up to 10 percent on your car insurance in Washington. Because electric cars tend to have higher price tags, you can expect your car insurance rates to be more expensive compared to gas-powered vehicles.

Travelers customers with a new hybrid/electric car can also get new car replacement coverage. This pays for a new vehicle of the same make and model if it’s totaled within the first five years of ownership.

Bundle and Save with Homeowners Insurance

About 66 percent of residents in Washington own their home, which is higher than the national average (61 percent)⁷. With Travelers, homeowners can double down on savings by taking advantage of the homeowners and bundling discounts. You’ll get a discount just for owning a home, along with savings for having home and auto policies at Travelers. Considering that Washington has had several severe storms, floods, and fires in the past few years, it’s important to get extra coverage⁸.

When your policy limits aren’t enough, you can also add umbrella insurance to step in and provide a financial cushion. Your umbrella policy will kick in after any damages exceed the limits on your home and auto policies.

Named Non-Owner Insurance

If you don’t own a vehicle but drive on a regular basis, you’ll need named non-owner insurance. Travelers offers named non-owner coverage for individuals who:

• Rent vehicles often
• Drive a company car for personal use
• Borrow vehicles regularly
• Use car-sharing services (like Zipcar)
• Provide care for a person whom you don’t live with and drive their car