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Best car insurance in Washington for 2024

Updated Jul 01, 2024
The best auto insurance companies in Washington include Geico, USAA, State Farm, Travelers and Farmers.
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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 in states 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 companies in Washington

According to our research, Geico, USAA, State Farm, Travelers and Farmers offer some of the best 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 $1,575 per year for full coverage and $479 per year for minimum coverage. Aside from cost, we also compared J.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 based on the metrics just listed along with others on a five-point scale, to quickly compare carriers and decide which to get quotes from. If you’re looking for the best Washington auto  insurance, you might want to start with these carriers:

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,338
$342
4.3
Rating: 4.3 stars out of 5
$1,500
$453
4.2
Rating: 4.2 stars out of 5
$960
$300
4.2
Rating: 4.2 stars out of 5
$1,394
$481
3.8
Rating: 3.8 stars out of 5
$2,651
$949

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$111/mo

Avg. full coverage premium

$1,338/yr

Customer satisfaction

797/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$125/mo

Avg. full coverage premium

$1,500/yr

Customer satisfaction

821/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$80/mo

Avg. full coverage premium

$960/yr

Customer satisfaction

875/1,000

Travelers

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$116/mo

Avg. full coverage premium

$1,394/yr

Customer satisfaction

Not rated

Farmers

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$221/mo

Avg. full coverage premium

$2,651/yr

Customer satisfaction

796/1,000

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How Bankrate chose the best car insurance companies in Washington

Bankrate’s insurance editorial team started the search for the best car insurance companies in Washington by analyzing dozens of carriers available in the state. We reviewed average 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.

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Why you can trust Bankrate

Read our full methodology

To help Washington drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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 in states 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:

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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 in states 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?

The average Washington auto insurance policy costs $479 per year for minimum coverage and $1,575 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 $621 for minimum coverage and $2,278 for full coverage.

When compared to surrounding states, Washington drivers see fairly affordable average rates. Oregon drivers pay $1,872 per year for full coverage, on average, while California drivers pay an average of $2,573 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.

City Avg. annual full coverage premium Avg. savings vs. state average

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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in July 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute