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      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Best car insurance in Washington for 2025

      Written by
      Natalie Todoroff
      Edited by
      Maggie Kempken
      Reviewed by
      Mark Friedlander
      Mark Friedlander
      Edited by
      Maggie Kempken
      Maggie Kempken
      Reviewed by
      Mark Friedlander
      Mark Friedlander
      Updated May 01, 2025
      The best auto insurance companies in Washington include Geico, State Farm, USAA, Travelers and Farmers.
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      Allstate
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      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
      Insurance disclosure

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      On This Page

      Best car insurance companies in Washington

      According to our research, Geico, State Farm, USAA, Travelers and Farmers offer some of thebest car insurance in Washington. Based on data collected from Quadrant Information Services, these carriers have average premiums that come in below or near the average cost of car insurance in Washington, which is $1,910 per year for full coverage and $574 per year for minimum coverage. Aside from cost, we also comparedJ.D. Power rankings in the Northwest region, company coverage offerings, financial strength ratings from AM Best and other features to determine our picks for the companies with the best auto insurance in Washington.

      You can use our Bankrate Score, which rates each carrier on a five-point scale based on several metrics (including those listed above), to quickly compare companies and decide which to get quotes from. If you’re looking for the best Washington auto insurance, you might want to start with these:

      4.3
      Rating: 4.3 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.1
      Rating: 4.1 stars out of 5
      3.8
      Rating: 3.8 stars out of 5
      $1,359
      $359
      $1,935
      $596
      $1,142
      $346
      $1,482
      $532
      $3,524
      $1,289
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of May 2025
      Read our full methodology

      Geico

      Best for discounts

      GeicoGeico

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $113/mo

      Avg. full coverage premium

      $1,359/yr

      Customer satisfaction

      637/1,000

      • Why Geico made our list: Geico helps make findingcheap car insurance easy for Washington drivers. On its website, Geico advertises an impressive 16 different potential discounts across five categories: vehicle equipment, driving history and habits, driver’s education, driver affiliation and customer loyalty. Although Geico does incentivize drivers to practice good habits with its five-year accident-free good driver discount, drivers with less-than-perfect driving records may still get a cheap deal. Keep in mind that the rates for Washington drivers with an at-fault accident can fluctuate, so you may want to shop around if you have infractions on your record.

      State Farm

      Best for local agents

      State FarmState Farm

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $161/mo

      Avg. full coverage premium

      $1,935/yr

      Customer satisfaction

      656/1,000

      • Why State Farm made our list:If you’re looking for a local agent, State Farm may be a great fit. This carrier offers a wide range of insurance products in addition to a solid number ofpotential discounts. State Farm also offers optional coverage choices like car rental, travel expenses and rideshare coverage. Notably, State Farm does not offer gap insurance, nor does it write insurance policies for drivers who have DUI convictions on their records. However, the company ranked second for customer satisfaction in the Northwest region, according to J.D. Power’s 2024 auto study.

      USAA

      Best for military-focused coverage

      USAAUSAA

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $95/mo

      Avg. full coverage premium

      $1,142/yr

      Customer satisfaction

      743/1,000

      • Why USAA made our list: In addition to low average rates, USAA offers several potential discounts, including for low mileage, bundling, good grades and garaging a vehicle on a military installation. However, USAA does not offer 24/7 customer service, which may deter some drivers. Additionally, its lack of brick-and-mortar insurance locations in Washington (and nationwide) might not be best for customers who prefer face-to-face service.

      Travelers

      Best for low average rates

      TravelersTravelers

      4.1

      4.1

      Rating: 4.1 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $123/mo

      Avg. full coverage premium

      $1,482/yr

      Customer satisfaction

      592/1,000

      • Why Travelers made our list: Travelers offers extensive add-on options, such as accident forgiveness, decreasing deductible, premier new car replacement and gap coverage. However, the company placed second to last in J.D. Power’s 2024 customer satisfaction study in the Northwest region and scored below the segment average for service and shopping in its2024 U.S. Insurance Digital Experience Study.

      Farmers

      Best for added perks

      FarmersFarmers

      3.8

      3.8

      Rating: 3.8 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon
      Read Farmers reviewGet a quote

      Avg. full coverage premium

      $294/mo

      Avg. full coverage premium

      $3,524/yr

      Customer satisfaction

      641/1,000

      • Why Farmers made our list:Farmers rates for Washington drivers tend to be on the higher side among our chosen insurers, but we included it because the company’s extensive endorsement options might be useful for people who need specialized coverage. Its tools and benefits are really where it shines: roadside assistance, rideshare coverage, loss of use, no deductible glass and windshield coverage, spare parts coverage and accident forgiveness are all available with Farmers.

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      How Bankrate chose the best car insurance companies in Washington

      Bankrate’s insurance editorial team started the search for thebest car insurance companies in Washington by analyzing dozens of carriers available in the state. We reviewedaverage car insurance premiums from Quadrant Information Services for minimum and full coverage and compared coverage options. Third-party ratings from agencies like J.D. Power and AM Best were used to assess customer satisfaction and financial strength. We understand that many customers like to handle their insurance needs digitally, so mobile app accessibility was also factored in to calculate a company's overall Bankrate Score.

      The better a company scored in each of these categories, the higher its overall Bankrate Score for a maximum Score of 5.0 out of 5.0 points. As you learn more about the insurance carriers below, this Bankrate Score may help provide a high-level summary of how each insurer compares to another.

      Bankrate logo

      Why you can trust Bankrate

      Read our full methodology

      The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

      78

      years of industry experience

      9

      licensed staff

      34.5K

      ZIP codes examined

      120

      carriers reviewed

      Compare auto insurance rates

      Answer a few questions to see personalized rates from top carriers.
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      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      How to find the best car insurance in Washington

      Finding the best car insurance in WA for your situation may take a bit of research, but knowing what coverage types and company features you want can make the process easier. Consider the following strategies to narrow down the list of providers you’re interested in:

      • Washington state laws require drivers to carry minimum levels of bodily injury and property damageliability coverage. Insurers are also required by law to offer uninsured/underinsured motorist coverage and personal injury protection, but these optional coverage types can be declined in writing. Although minimum-only coverage is cheaper, it leaves you exposed to greater financial risk. Liability only covers accident-related costs for the other driver, their vehicle, their passengers and pedestrians if you are found at fault. You will not have financial protection for your vehicle, yourself and your passengers without adding collision and comprehensive coverage — colloquially referred to as full coverage.

      • Washington state laws are not the only authority that has a say in how much coverage you need to carry. If you’ve financed your vehicle with a loan or a lease, your financial lender will likely require you to carry higher liability limits than what state laws require. Depending on your lender, you may need to carry afull coverage car insurance policy andgap insurance. A lender has made a financial investment in your vehicle, and its more robust insurance requirements are a way for it to protect that investment.

      • Drivers may also evaluate their car insurance needs based on their individual circumstances. Understanding what you need from your policy could help you choose a company and coverage options. For example, if you have ateen driver to insure, you might want to look for a company that offers several young driver discounts that could help lower your policy costs. If you’re ahigh-risk driver who has accidents, tickets or a DUI conviction on your record, you might need to research nonstandard car insurance options. Getting a sense of what your specific situation calls for could help you narrow down your options when shopping for coverage.

      Related content:

      Ready for your quote?

      Answer a few questions to see personalized rates from top carriers in Washington

      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      How much is car insurance in Washington?

      Theaverage Washington auto insurance policy costs $574 per year for minimum coverage and $1,910 per year for full coverage, according to 2024 rate data obtained from Quadrant Information Services. Washington drivers pay less than the national annual average of $808 for minimum coverage and $2,692 for full coverage.

      When compared tosurrounding states, Washington drivers see fairly affordable average rates. Oregon drivers pay $2,218 per year for full coverage, on average, while California drivers pay an average of $3,026 annually. The difference in rates could be attributed in part to the population of each state and the number of drivers on the road, as well as an increased cost of living in California compared to Washington and Oregon.

      CityAvg. annual full coverage premiumAvg. savings vs. state average
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of May 2025
      Read our full methodology

      Estimate your car insurance cost in Washington

      You can use our estimate tool to see what your car insurance might cost in Washington. Input your details into the fields below and click “view my estimate” to get a sense of what your premiums could be.

      Calculate your monthly car insurance payment

      Get a quick estimate to make sure you're not overpaying.

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      These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.
      Why we're asking
      We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.
      Methodology

      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Frequently asked questions

      • The average cost of car insurance is $1,582 per year for full coverage and $487 for minimum coverage. However, these are just average figures meant for comparison purposes, and your insurance quote will vary. Your exact premium depends on personal factors like your driving history,credit score, gender, age, ZIP code, vehicle information and more. If you’re hoping to save on your monthly insurance premium, you might want to compare quotes from several insurance providers. Request the same coverage types and amounts to make it easier to compare policies and costs. Keep in mind that insurance premiums can change at renewal periods, so you might want to regularly shop for car insurance.

      • Yes, car insurance companies can use credit-based insurance scores when determining how much to charge you for auto insurance in Washington. That means that drivers with strong credit will tend to pay less for auto insurance than people with poor credit. While the state suspended this practice for a brief period in 2022, a court ruling on August 29, 2022, allowed insurers to once again use credit history when calculating premiums. If you’re looking to reduce your insurance premiums, consider boosting your credit score.

      • Yes, drivers in Washington state are required to carry a minimum amount of liability insurance. Drivers must be offered underinsured motorist coverage, which includes uninsured and underinsured motorist coverage, as well as personal injury protection, but it can be declined in writing. Depending on a driver’s situation, they may be able to use self-insurance, certificates of deposit or liability bonds to satisfy the insurance requirement.

      Clock Wait Icon
      46
      years of industry expertise
      Search Icon
      122
      carriers reviewed
      Location Icon
      34.5K
      ZIP codes examined
      Dollar Coin Icon
      1.2M
      quotes analyzed

      Methodology

      Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

      User Icon
      40 year old
      Single male and female driver
      Logo for Brand name
      2023 Toyota Camry
      Primary vehicle
      Credit Good Icon
      Good credit score
      Auto Insurance Guide Icon
      Clean driving record
      Briefcase Icon
      Commutes 5 days

      Bodily injury liability

      $100,000 per person
      $300,000 per accident

      Property damage liability

      $50,000 per accident

      Personal injury protection

      $100,000 per accident

      Uninsured motorist bodily injury

      $100,000 per person
      $300,000 per accident

      Collision deductible

      $500

      Comprehensive deductible

      $500

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

      Bankrate Score

      Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

      Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

      • Tier 1 (Cost & ratings):To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings fromJ.D. Power,AM Best, Demotech and theNational Association of Insurance Commissioners (NAIC). 
      • Tier 2 (Coverage & savings):We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
      • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

      Tier scores are unweighted to show the company's true score in each category out of a possible five points.

      Written by
      Natalie Todoroff
      Writer II, Insurance
      Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
      Edited by
      Maggie Kempken
      Managing Editor, Insurance
        Reviewed by
        Mark Friedlander
        Director of corporate communications, Insurance Information Institute

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