- According to recent data, GEICO offers the cheapest full coverage car insurance in Washington at $98 per month.
- Washington drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In Washington, the city of Malden has the most affordable car insurance rates at $1,331 annually.
- Comparing price quotes from multiple insurers can help you save up to 27% per year on your car insurance policy in Washington.
The cheapest full coverage car insurance in Washington is $98, saving you $36 compared to the average cost of insurance in the state, which is around $134 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Washington, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Washington should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Car insurance companies with cheap car insurance in Washington
GEICO has the cheapest full coverage car insurance in Washington, at an average premium of $98 per month or around $1,171 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Washington. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Washington per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $98 |
| PEMCO | $111 |
| Travelers | $125 |
| Nationwide | $138 |
| Farmers | $143 |
| American Family | $146 |
| Allstate | $147 |
| State Farm | $149 |
| Progressive | $213 |
| USAA* | $71 |
Note: USAA is only available to military community members and their families.
Washington drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 4% less than single drivers.
- Washington drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Washington drivers in their 20s pay 61% lower rates for insurance than a 16-year-old in Washington.
- Adding a teen to your policy will cost you 77% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 3% for this state more on their premiums.
Cheapest Washington companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- PEMCO is the cheapest for a state minimum policy.
- PEMCO has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Washington.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Washington
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Washington, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Washington, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| PEMCO | $158 |
| GEICO | $296 |
| Travelers | $398 |
| State Farm | $410 |
| Farmers | $450 |
| Nationwide | $496 |
| Progressive | $595 |
| Allstate | $639 |
| American Family | $709 |
| USAA* | $226 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Washington
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Washington, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| PEMCO | $351 |
| GEICO | $473 |
| Travelers | $713 |
| State Farm | $741 |
| Nationwide | $792 |
| Farmers | $868 |
| Allstate | $927 |
| Progressive | $947 |
| American Family | $1,109 |
| USAA* | $387 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Washington for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Washington based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,171 |
| PEMCO | $1,326 |
| Travelers | $1,503 |
| Nationwide | $1,658 |
| Farmers | $1,714 |
| American Family | $1,750 |
| Allstate | $1,766 |
| State Farm | $1,794 |
| Progressive | $2,554 |
| USAA* | $853 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Washington, by driving history
Your driving history affects how much you pay for insurance in Washington because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $680 more annually in Washington than an individual with a clean driving record.
Cheap car insurance rates in Washington after a speeding ticket
A speeding ticket can impact your Washington car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,487 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,360 | $1,487 | 9% | $127 |
| Auto-Owners | $1,176 | $1,669 | 42% | $493 |
| Nationwide | $1,227 | $1,737 | 42% | $511 |
| Allstate | $1,665 | $1,815 | 9% | $151 |
| Progressive | $1,427 | $1,889 | 32% | $462 |
| GEICO | $1,149 | $1,926 | 68% | $777 |
| Travelers | $1,326 | $1,931 | 46% | $605 |
| Farmers | $1,616 | $1,952 | 21% | $336 |
| American Family | $1,780 | $2,194 | 23% | $413 |
| Kemper Insurance | $1,243 | $4,770 | 284% | $3,527 |
| USAA* | $895 | $1,051 | 17% | $156 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Washington
CarInsurance.com analyzed insurance rates for Washington drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,487. Progressive is the second-cheapest insurer at an average of $1,762 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,360 | $1,487 | 9% | $127 |
| Progressive | $1,427 | $1,762 | 23% | $335 |
| Auto-Owners | $1,176 | $1,995 | 70% | $819 |
| GEICO | $1,149 | $2,002 | 74% | $853 |
| Farmers | $1,616 | $2,011 | 24% | $395 |
| Travelers | $1,326 | $2,026 | 53% | $700 |
| Allstate | $1,665 | $2,154 | 29% | $489 |
| American Family | $1,780 | $2,194 | 23% | $413 |
| Nationwide | $1,227 | $2,295 | 87% | $1,068 |
| Kemper Insurance | $1,243 | $6,338 | 410% | $5,095 |
| USAA* | $895 | $1,853 | 107% | $957 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Washington
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,536.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,614.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,176 | $1,536 | 31% | $360 |
| State Farm | $1,360 | $1,614 | 19% | $254 |
| Kemper Insurance | $1,243 | $1,735 | 40% | $492 |
| Nationwide | $1,227 | $1,825 | 49% | $598 |
| Travelers | $1,326 | $1,862 | 40% | $536 |
| GEICO | $1,149 | $1,947 | 69% | $798 |
| Farmers | $1,616 | $2,168 | 34% | $551 |
| Allstate | $1,665 | $2,338 | 40% | $673 |
| Progressive | $1,427 | $2,946 | 106% | $1,519 |
| USAA* | $895 | $1,267 | 41% | $371 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Washington cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Malden is the city with the lowest premiums in Washington at an annual auto insurance rate of $1,331.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Washington cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Malden | $1,331 |
| Ardenvoir | $1,355 |
| Sequim | $1,362 |
| Lopez Island | $1,364 |
| Port Townsend | $1,367 |
| Olga | $1,373 |
| Friday Harbor | $1,374 |
| Anacortes | $1,376 |
| Eastsound | $1,380 |
| Port Angeles | $1,381 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Washington?
Shopping around for car insurance quotes in Washington can help drivers save 27% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Washington: Save on premiums
Car insurance discounts in Washington can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Washington.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 3% | $49 |
| Anti-theft device | 1% | $10 |
| Daily commute | 1% | $27 |
| Days advanced purchase | 6% | $119 |
| Education | 6% | $103 |
| Electronic funds transfer | 5% | $102 |
| Electronic signature | 10% | $236 |
| Homeowner | 4% | $76 |
| Lower annual mileage | 3% | $57 |
| Loyalty – years renewal with company | 6% | $96 |
| Marital status | 4% | $88 |
| Multi policy | 9% | $164 |
| Paperless/electornic documents | 2% | $33 |
| Payment type | 11% | $212 |
| Primary use | 8% | $144 |
| Safety devices | 3% | $67 |
| Telematics | 6% | $112 |
| Years insured | 15% | $399 |
| Years licensed | 23% | $785 |
The bottom line on cheap auto insurance in Washington
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in Washington if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Washington, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Washington for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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