AutoInsurance.com is supported by commissions from providers listed on our site. Read our Editorial Guidelines.
Find Your Perfect Policy: 866-843-5386
Last updated: March 18, 2025
Compare Cheap Auto Insurance in Washington
USAA and State Farm generally provide lower car insurance premiums in Washington, even for higher-risk driving profiles.
Compare quotes from top providers
Share
Share
Car insurance in Washington is cheaper than the national average, with premiums averaging $1,555 for full coverage and $583 for minimum coverage. As a driver in Washington, whether you pay more or less than the national average depends on your level of coverage as well as other factors like your age and driving record. Washington is one of a handful of states that doesn’t allow insurers to use your credit history when determining your premiums, so drivers with poor credit won’t see higher rates.
Overall, drivers can find great rates from major providers with excellent third-party ratings. However, drivers in larger cities will pay higher premiums in part because there’s a greater risk of car crashes.
Overview
- On average, full coverage car insurance in Washington is $1,555 per year. Minimum coverage costs $583 per year.
- USAA and State Farm offer the cheapest rates in most categories, along with top rankings in customer satisfaction studies. GEICO and PEMCO are usually the next cheapest providers.
- USAA, PEMCO, and State Farm have top marks for customer satisfaction in Washington.
Jump to:
- Cheapest full coverage auto insurance in Washington: USAA ($1,107 per year) and State Farm ($1,505 per year)
- Cheapest minimum coverage: USAA ($336 per year) and PEMCO ($517 per year)
- Cheapest with a teen driver: State Farm ($4,512 per year) and GEICO ($4,986 annually)
- Cheapest with a speeding ticket: State Farm ($1,303 per year) and USAA ($1,564 per year)
- Cheapest with an at-fault accident: USAA ($1,389 per year) and State Farm ($1,884 per year)
- Cheapest with a DUI: American Family ($1,950 per year) and State Farm ($1,986 per year)
Cheapest Car Insurance in Washington for Full Coverage: USAA
USAA has the lowest rates for full coverage car insurance in Washington — its average annual rate of $1,107 is 29% lower than the state average. However, the company is exclusively available to veterans and military members. Non-military Washington drivers can also find cheap rates with State Farm ($1,505 annually), which boasts great third-party ratings for customer satisfaction.
| Company | Full Coverage Annual Cost | Full Coverage Monthly Cost |
|---|---|---|
| USAA | $1,107 | $92 |
| State Farm | $1,505 | $125 |
| GEICO | $1,660 | $138 |
| Farmers | $1,663 | $139 |
| Progressive | $1,685 | $140 |
| PEMCO | $1,763 | $147 |
| Allstate | $2,310 | $193 |
| Washington average | $1,555 | $130 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Washington for Minimum Coverage: USAA
For drivers looking for liability insurance, USAA offers the cheapest average premiums at $336 annually, followed by PEMCO at $517 annually.
| Company | Minimum Coverage Annual Cost | Minimum Coverage Monthly Cost |
|---|---|---|
| USAA | $336 | $28 |
| PEMCO | $517 | $43 |
| State Farm | $611 | $51 |
| GEICO | $640 | $53 |
| Progressive | $752 | $63 |
| Farmers | $808 | $67 |
| Allstate | $1,273 | $106 |
| Washington average | $583 | $49 |
| National average | $635 | $53 |
Cheapest Car Insurance in Washington for Teen Drivers: State Farm
State Farm provides the cheapest policies for households with teen drivers at an average cost of $4,512 per year, lower than the statewide average of $5,306 and the national average of $5,327. GEICO and PEMCO also offer below-average rates for households looking for teen car insurance policies.
| Company | Average Annual Cost with Teen | Average Monthly Cost with Teen |
|---|---|---|
| State Farm | $4,512 | $376 |
| GEICO | $4,986 | $415 |
| PEMCO | $5,093 | $424 |
| Progressive | $5,941 | $495 |
| Farmers | $6,342 | $529 |
| Allstate | $7,349 | $612 |
| Washington average | $5,306 | $442 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Washington With a Speeding Ticket: State Farm
State Farm is the most affordable for individuals with a speeding ticket on their record, charging an average of $1,302 yearly — 35% below the statewide average. USAA and American Family also offer premiums that fall less than the state average, so Washington drivers looking for affordable rates can choose from multiple providers.
| Company | Annual Cost with Speeding Ticket | Monthly Cost with Speeding Ticket |
|---|---|---|
| State Farm | $1,303 | $109 |
| USAA | $1,564 | $130 |
| American Family | $1,843 | $154 |
| Travelers | $1,985 | $165 |
| PEMCO | $2,167 | $180 |
| GEICO | $2,180 | $182 |
| Allstate | $2,186 | $182 |
| Farmers | $2,526 | $210 |
| Progressive | $2,186 | $182 |
| Washington average | $2,002 | $167 |
| National average | $2,511 | $209 |
FYI:
A speeding ticket in Washington can run you as little as $33 or as much as $188, depending on how fast you were going over the limit.1 In addition to the cost of the ticket, your insurance premiums will likely tick up.
Cheapest Car Insurance in Washington with an At-Fault Accident: USAA
USAA is cheapest for drivers with an at-fault accident in Washington with an average yearly premium of $1,389 — 45% lower than the state average. State Farm is also an affordable option with an average yearly premium of $1,884 — still 26% lower than the statewide average.
| Company | Annual Cost with At-Fault Accident | Monthly Cost with At-Fault Accident |
|---|---|---|
| USAA | $1,389 | $116 |
| State Farm | $1,884 | $157 |
| PEMCO | $2,281 | $190 |
| GEICO | $2,474 | $206 |
| Farmers | $2,954 | $246 |
| Allstate | $2,987 | $249 |
| Progressive | $3,396 | $283 |
| Washington average | $2,537 | $211 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Washington with a DUI: American Family
American Family offers the lowest average rates for drivers with a DUI in Washington at $1,950 annually. State Farm comes in a close second, with an average annual rate of $1,986. Both providers have similar yearly premiums, but State Farm has slightly higher customer satisfaction ratings than American Family. USAA and Travelers also provide rates that fall beneath the statewide average.
| Company | Annual Cost with DUI | Monthly Cost with DUI |
|---|---|---|
| American Family | $1,950 | $162 |
| State Farm | $1,986 | $165 |
| USAA | $2,105 | $175 |
| Travelers | $2,163 | $180 |
| GEICO | $2,248 | $187 |
| Progressive | $2,324 | $194 |
| PEMCO | $2,444 | $204 |
| Allstate | $2,522 | $210 |
| Farmers | $2,998 | $250 |
| Washington average | $2,567 | $214 |
| National average | $3,305 | $275 |
Best Claims and Customer Satisfaction in Washington: USAA
In addition to cheaper rates, USAA has some of the highest national and regional customer satisfaction scores compared to other providers. State Farm, PEMCO, and American Family also receive high marks, and are definitely worth considering if you don’t qualify for a USAA policy.
| Company | J.D. Power Customer Satisfaction Study (Northwest)2 | J.D. Power Auto Insurance Shopping Studys3 | J.D. Power Claims Satisfaction Study4 | CRASH Network Report Card Grade5 |
|---|---|---|---|---|
| USAA | 743 | 711 | 726 | D+ |
| PEMCO | 666 | N/A | N/A | B |
| State Farm | 656 | 695 | 710 | C- |
| American Family | 655 | 702 | 692 | C+ |
| Farmers | 641 | 667 | 706 | C- |
| GEICO | 637 | 656 | 692 | C- |
| Allstate | 626 | 664 | 691 | D |
| Progressive | 607 | 678 | 672 | C |
| Travelers | 592 | 680 | 684 | C |
| Average | 643 | 676 | 697 | C+ |
How to Find the Cheapest Rates in Washington
- Bundle insurance: Lower your rates significantly by pairing your car insurance with a homeowners’ or renters’ policy. Many providers offer bundling discounts, and you can get to 25% off your premium, depending on which company you choose.
- Practice safe driving habits: Most insurance companies offer lower rates to drivers who have no accidents or violations on their record for the past three years, because they view these drivers as less risky. If you do have a mark on your record but generally drive safely, consider a telematics program, which tracks your driving and offers a discount depending on your habits.
- Look for low-mileage discounts: For drivers who clock fewer miles per year, usage-based or pay-per-mile coverage can provide major premium cuts. You can also look for low-mileage discounts if a provider doesn’t offer pay-per-mile coverage. This is often a good option for stay-at-home parents, remote workers, and retirees.
- Increase your deductible: In addition to auto insurance discounts, raising your deductible for collision and comprehensive coverage can make your premiums more affordable. It does mean that you pay more out of pocket before your provider covers costs in the event of an accident.
Average Auto Insurance Cost in Washington By City
In Washington, the cost of auto insurance policies in major cities is higher than the statewide average. Drivers in Tacoma ($2,150 annually) and Seattle ($2,105 annually) pay the most, 35% to 38% above the state average. Meanwhile, Vancouver and Bellevue have lower rates at $1,848 and $1,918 annually — but still higher than the statewide average of $1,555.
| City | Full Coverage Annual Cost | Full Coverage Monthly Cost |
|---|---|---|
| Tacoma | $2,150 | $179 |
| Seattle | $2,105 | $175 |
| Bellevue | $1,918 | $160 |
| Vancouver | $1,848 | $154 |
| Washington average | $1,555 | $129 |
Minimum Car Insurance Requirements in Washington
Drivers in Washington must have a car insurance policy that meets the state’s minimum liability limits to get on the road. The state government requires bodily injury and property damage liability — these pay for the other party’s medical expenses and property damage if you’re in an at-fault accident.
In Washington, you’ll need these liability limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
Although this constitutes basic coverage, you’ll need higher limits to ensure you’ll be fully protected in an accident. If you’re at fault in an accident and the damages surpass your policy’s limits, you’ll have to pay for the rest out of pocket. If you can afford it, we recommend limits of 100/300/100 and full coverage (including comprehensive and collision).
Frequently Asked Questions
Who offers the cheapest car insurance in Washington state?
USAA, State Farm, and PEMCO tend to offer the cheapest auto insurance in Washington State. For full coverage, USAA ($1,107 annually) and State Farm ($1,505 annually) are cheapest on average. For minimum coverage, USAA ($336 annually) and PEMCO ($517 annually) have cheap average rates. However, rates vary widely depending on personal factors like chosen coverage levels, vehicle, driving record, and age, so comparing quotes from at least three providers is the best way to find cheap insurance.
Who is cheaper than Progressive for car insurance?
USAA, State Farm, and GEICO tend to have cheaper rates than Progressive. For minimum coverage, PEMCO also has lower average rates.
What is the best insurance in Washington state?
While it depends on your city and driving history, USAA, State Farm, and PEMCO have high customer satisfaction rankings in Washington state, along with competitive average rates. When shopping for car insurance, it helps to get quotes from multiple providers and look at third-party ratings to determine the best one.
What is the best auto insurance for seniors in Washington state?
USAA and State Farm are the best providers for seniors in Washington state. Both companies have rates at least 24 percent cheaper than the state average and high scores in J.D. Power’s Claims Satisfaction, Customer Satisfaction, and Auto Insurance Shopping studies.
Compare full coverage rates for seniors by provider:
| Provider | Annual Full Coverage Cost for Seniors |
|---|---|
| USAA | $930 |
| State Farm | $964 |
| Travelers | $1,036 |
| GEICO | $1,113 |
| Allstate | $1,368 |
| Progressive | $1,398 |
| Farmers | $1,494 |
| Washington Average | $1,221 |
Senior Staff Writer
Jacqueline Quach holds years of experience in content writing, blogging, and copywriting, and has a professional background in user experience design, helping clients and businesses develop their content strategy. Jacqueline writes for multiple brands and websites, empowering customers in their purchase process through content. She also contributes to Savings.com and has written for Angi and SeniorLiving.org. Her work has been featured on MSN.com and Dayspa Magazine. Jacqueline holds a B.A. in Communication Studies from the University of California, Los Angeles.
Citations
Infraction Rules for Courts of Limited Jurisdiction (IRLJ) Rule 6.2: Monetary Penalty Schedule for Infractions. Washington State Courts. (2024).
https://www.courts.wa.gov/court_rules/pdf/CLJIRLJ6.2.pdf2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Insurance Shopping Study. J.D. Power. (2024, April 30).
https://www.jdpower.com/business/press-releases/2024-us-insurance-shopping-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
Related Articles
Best Car Insurance in Washington in 2025
January 28, 2025Compare Cheap Auto Insurance in Delaware
March 21, 2025Compare Cheap Auto Insurance in Iowa
March 25, 2025