Best Car Insurance in Washington for 2025 [Top 10 Companies in WA]

Farmers, Travelers, and Allstate offer the best car insurance in Washington, with minimum coverage starting at just $20 per month.

Farmers offers Washington car insurance policies that you can tailor. Travelers keeps an A++ rating from A.M. Best for stability. Allstate gives a big 25% discount when you bundle with their local agents.

When you look at the best car insurance in the state of WA, check the prices. But also look at how strong the company is financially.

Our Top 10 Company Picks: Best Car Insurance in Washington

Washington’s minimum liability requirements include $25,000 per person and $50,000 per accident for bodily injury liability coverage, along with $10,000 for property damage.

Find the best comprehensive car insurance quotes in Washington by entering your ZIP code into our free comparison tool today.

#1 – Farmers: Top Overall Pick

Pros

• Customizable Policies: According to our Farmers car insurance review, Washington drivers can enjoy different policy options, allowing them to tailor their coverage.
• Strong Customer Service: Washington policyholders experience less hassle because of Farmers’ local agents providing personalized support and quick claims assistance.
• Comprehensive Coverage Options: Farmers offers the best auto insurance in Washington state with unique perks like accident forgiveness and replacement for new vehicles.

Cons

• Higher Premiums: For Washington drivers seeking affordable coverage, Farmers’ rates are relatively expensive at $44 monthly, especially for full coverage policies in the state.
• Limited Online Tools: Washington policyholders may find Farmers’ mobile app needs significant improvement, as it lacks advanced features.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

#2 – Travelers: Best for Coverage Options

Pros

• Unique Perks: Travelers now offers Washington drivers valuable coverage options, including gap insurance, accident forgiveness, and new car replacement.
• High Rating: Washington customers trust Travelers, which has an A++ rating from A.M. Best, indicating that it is one of Washington’s best car insurance providers.
• Strong Discount Programs: Based on our Travelers car insurance review, Washington drivers can save with bundling, multi-car, safe driver, and hybrid/electric vehicle discounts.

Cons

• Few Local Agents: Washington policyholders may find that Travelers mainly relies on independent agents or digital resources.
• High-Risk Drivers: Washington motorists with accidents or violations may face higher premiums with Travelers compared to other leading insurance providers.

#3 – Allstate: Best for Local Agents

Pros

• Vast Local Agent Network: Knowledgeable local agents provide personalized support and service to Washington drivers seeking reliable coverage.
• Generous Bundling Discounts: Washington policyholders can save 25% more by combining auto insurance with home, renters, or life insurance policies.
• Ergonomic Digital Solutions: Washington motorists can rely on the refreshed Allstate mobile application, which offers improved functionality and the latest updates, to manage their policies.

Cons

• Higher-Than-Average Rates: Washington drivers may find Allstate’s premiums more expensive, with monthly rates averaging $50 across the state.
• Mixed Customer Service Reviews: Our Allstate car insurance review highlighted that some Washington customers report delays in claims processing.

#4 – American Family: Best for Loyalty Awards

Pros

• Loyal Customer Discounts: Washington policyholders with American Family can enjoy significant savings through the loyalty rewards program.
• Strong Customer Support: Washington drivers benefit from American Family’s high customer satisfaction ratings and attentive support through local agents.
• Safe Driving Programs: Check safe driving tips. The KnowYourDrive program rewards Washington’s safe drivers with discounts based on their driving habits.

Cons

• Not All Can Avail: Despite serving Washington, the American Family car insurance review reported that it is only available in 19 states.
• Expensive Premiums: With monthly rates of $40 in Washington, it can be higher than other top providers for drivers without a strong loyalty history in the state.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

#5 – Progressive: Best for Budgeting Tools

Pros

• Unique Pricing Tool: Washington drivers can use Progressive’s Name Your Price Tool to find a policy that fits their state budget constraints.
• Flexible Policies: Progressive introduces new offerings for Washington drivers, such as gap insurance, rideshare coverage, and pet injury protection designed specifically for the state.
• Online and Mobile Experience: Washington customers appreciate Progressive’s simple, easy-to-use website and mobile app for managing policies.

Cons

• Customer Service Complaints: Some Washington policyholders report dissatisfaction with Progressive’s claims processing and response times compared to other providers.
• Limited Support: Washington drivers have limited support due to the state’s limited local agents. Check our Progressive car insurance review to learn more.

#6 – Geico: Best for Lowest Rates

Pros

• Save More: Washington drivers can enjoy substantial discounts from Geico for good driving records, military service, multi-policy bundling, and more state-specific savings.
• Highly Rated Mobile App: Washington policyholders benefit from easy claims filing and bill payments through Geico’s well-designed mobile application.
• Reliable Financial Status: Washington customers can trust Geico’s reliable and prompt claims performance, backed by an A++ rating from A.M. Best for added security in the state.

Cons

• Limited Support: According to our Geico car insurance review, the company prefers Washington customers to use its advanced digital tools rather than in-person service.
• Fewer Customization Options: Washington motorists seeking specialized coverage may find that Geico offers limited options for additional protection compared to other insurers.

#7 – State Farm: Best for Personalized Service

Pros

• Personalized Service: According to our State Farm car insurance review, Washington drivers benefit from one of the largest networks of local agents.
• More Options: Washington policyholders can access new offerings from State Farm, such as rideshare insurance and rental car reimbursement, tailored to state requirements.
• Save with Discounts: Washington drivers can utilize State Farm’s Steer Clear program and accident-free discounts to save money up to 39% on their premiums.

Cons

• Expensive Rates Than Competitors: Washington customers might avoid State Farm’s monthly rates of $30 since they may not align with budget-conscious drivers in the state.
• No Gap Insurance: Unlike other top providers serving Washington, State Farm does not provide gap insurance for individuals financing or leasing vehicles in the state.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

#8 – Liberty Mutual: Best for Usage-Based Discounts

Pros

• Customizable Coverage Options: With flexible policy options, Washington drivers can access accident forgiveness and new car replacement.
• Usage-Based Discounts: Washington motorists can utilize the RightTrack program to earn up to 10% discounts based on their driving behaviors on Washington roads.
• Strong Add-On Features: WA policyholders can include benefits such as enhanced car replacement and roadside assistance suited to the state’s driving conditions.

Cons

• Costly Rates: Washington drivers seeking budget-friendly options may find Liberty Mutual’s monthly premium costs of $41 higher than other providers serving the state.
• Inconsistent Performance: Liberty Mutual car insurance review noted that some Washington customers have experienced problems with claims processing.

#9 – USAA: Best for Military Benefits

Pros

• Military Perks: Our USAA car insurance review shows Washington’s military members and veterans can save money with specialized discounts tailored to their service.
• Highly Rated Services: Washington customers can inquire about their insurance concerns with knowledgeable agents familiar with the state’s specific requirements.
• Cheapest Rate: Military-affiliated Washington residents prefer USAA for its affordable car insurance rates, averaging just $20 monthly across the state.

Cons

• Limited Eligibility: Many Washington drivers cannot access these competitive rates, as only military members, veterans, and their families can qualify for coverage.
• Small Discounts: WA policyholders may find that USAA offers fewer discount opportunities compared to other top providers serving drivers throughout the state.

#10 – Nationwide: Best for Safe Drivers

Pros

• Vanishing Deductible: Washington drivers participating in Nationwide’s defensive driving program can lower their deductible for each year they remain claim-free on state roads.
• SmartRide & SmartMiles: Washington residents with low mileage can benefit from usage-based and pay-per-mile insurance. Read our Nationwide car insurance review for more.
• Extensive Coverage Options: Washington policyholders can access a variety of coverage add-ons, such as accident forgiveness and total loss deductible waivers.

Cons

• Pricey Premiums: Some WA customers find Nationwide’s monthly rate of $31 less affordable than those of other top providers in the state.
• Mixed Reviews: Washington drivers report varied experiences with Nationwide, with some noting slow processes and inconsistent service quality throughout the state.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Average Cost of Car Insurance in Washington

Getting the most suitable car insurance in Washington involves more than finding the lowest rates. Look beyond the cost to financial strength ratings, customer satisfaction ratings, and claims handling.

Washington Car Insurance Monthly Rates by Provider & Coverage Level

Providers such as Travelers with A++ ratings from A.M. Best are indicative of strong financial strength and dependability for Washington motorists.

Remember that getting the best car insurance rates in Washington state differ based on your driving history, credit score, vehicle type, and location within Washington. Urban areas typically see higher premiums than rural parts of the state.

Washington earns a “B” for traffic density and uninsured driver rates, but scores lower for average claim size (B-), weather risks (C+), and vehicle theft (C). These elements directly affect how companies price their policies throughout the state.

Washington Report Card: Car Insurance Premiums

For drivers seeking affordable car insurance in Washington, we recommend comparing how these rates stack up against other regions in our car insurance rates by state guide.

Car Insurance Discounts From Top Washington Providers

When buying affordable Everett, Washington car insurance, getting discounts can reduce your premium payments by a lot. These discounts can transform standard coverage into cheap full coverage car insurance in Washington for qualified drivers.

Car Insurance Discounts From Top Washington Providers

The most common discounts include bundling (combining auto with home or renters insurance), safe driver rewards, multi-vehicle policies, defensive driving course completion, and accident-free records.

While companies like Geico offer substantial safe driver discounts (16%), others like Progressive have more modest offerings. For Washington residents seeking maximum savings, consider which discounts align with your specific situation when comparing Washington car insurance quotes from different providers.

Largest Companies’ Financial Rating in Washington

The first, and maybe most important, aspect to consider when finalizing which companies to look at is financial strength. You want to be sure your insurer isn’t going under any time soon, leaving you with inadequate coverage and probably a lot of lost money.

Since not everyone has a business degree to analyze the balance sheet of insurance providers, we’ve consulted the financial ratings from A.M. Best Credit Rating. A.M. Best is one of the most reputable credit rating agencies in the insurance industry.

A.M. Best assigns ratings in the scale of A++ to D, which rate insurance providers from superior to poor ability to meet insurance obligations in the long term.

The best car insurance companies in Washington are doing incredibly well across the board. The lowest grade (PEMCO Mutual Insurance Co with a B++) is still well above average.

So, wherever you get your insurance from, you shouldn’t have to worry about your company going under.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Washington Car Insurance Requirements and Claims

When looking for cheap car insurance in Washington, you need to know the minimum requirements. Washington law requires all drivers to carry liability insurance with a minimum of:

• $25,000 for bodily injury or death per person
• $50,000 for total bodily injury or death per accident
• $10,000 for property damage per accident

Washington is a “comparative fault” state, so if you cause an accident, you’re financially responsible for all damages unless a court says otherwise. These minimums only cover damages to others—not you, your passengers or your vehicle.

5 Most Common Car Insurance Claims in Washington

Know the different types of car insurance coverage you want to add to your policy. While it has comprehensive coverage, it costs more, but it’s much better than minimum coverage alone.

Knowing the most common claims can help you choose the right coverage beyond the minimums when comparing Washington auto insurance quotes.

Cheapest Rates by ZIP Code in Washington

Location matters when it comes to how much car insurance is in Washington state. Our data shows Seattle has 10,000 accidents and 8,000 claims per year, followed by Spokane (8,500 accidents/7,000 claims) and Tacoma (7,500 accidents/6,500 claims).

Washington Accidents & Claims per Year by City

Even smaller cities like Bellingham have 3,500 accidents and 2,500 claims per year. That’s why WA’s car insurance is more expensive in urban areas than rural areas.

Read More: America’s Safest Driving Cities

Where you live also influences rates. In general, drivers living in an urban area are more likely to be in an accident and thus, face higher premiums.

Washington Car Insurance Monthly Rates by ZIP Code

USAA and Nationwide offer the cheapest insurance across almost every ZIP code. Although these are average rates and your insurance rates in Washington State will depend on your case, these Washington auto insurance companies may be worth checking out.

Finding the Best Car Insurance Company in Washington

The best car insurance in Washington comes from Farmers, Travelers, and Allstate. Farmers offers customizable policies starting at $44 monthly. Travelers has an A++ financial strength rating, and Allstate offers an impressive 25% bundling discount.

Seeking quotes from various providers is a wise decision when you are buying car insurance. Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code into our free comparison tool to see rates in your area.