- Among the companies analyzed by CarInsurance.com, GEICO stands out as the cheapest option for full coverage car insurance in Washington, with an insurance premium of $169 per month.
- Drivers in Washington with a clean record pay 48% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Washington is Spokane Valley, with an annual premium of $2,240.
- Washington drivers can save up to 15% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest full coverage car insurance in Washington is $169 , saving you $30 compared to the average cost of insurance in the state, which is around $199 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.
Which company offers the cheapest car insurance in Washington?
GEICO offers the cheapest car insurance rates in Washington for a full coverage policy with an average premium of $169 per month or around $2,033 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Washington by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Washington per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $169 |
| Travelers | $179 |
| Farmers | $185 |
| PEMCO | $201 |
| Progressive | $213 |
| State Farm | $213 |
| Nationwide | $214 |
| Allstate | $218 |
Who pays the lowest auto insurance premiums in Washington?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 6% less than single drivers.
- Washington drivers with clean records pay 48% less than drivers who have a DUI on their record.
- Washington drivers in their 20s pay 67% lower rates for insurance than a 16-year-old in Washington.
- Adding a teen to your policy will cost you 63% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 20% 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 2% for this state more on their premiums.
Cheapest companies for different coverage levels in Washington
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property 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 | $439 |
| GEICO | $543 |
| Farmers | $573 |
| Travelers | $585 |
| Progressive | $600 |
| State Farm | $734 |
| Nationwide | $761 |
| Allstate | $866 |
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 | $487 |
| GEICO | $617 |
| Travelers | $641 |
| Farmers | $645 |
| Nationwide | $684 |
| Progressive | $708 |
| State Farm | $855 |
| Allstate | $928 |
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 | $2,033 |
| Travelers | $2,154 |
| Farmers | $2,217 |
| PEMCO | $2,415 |
| Progressive | $2,557 |
| State Farm | $2,559 |
| Nationwide | $2,563 |
| Allstate | $2,618 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Washington by driving history
Your driving history impacts insurance premiums in Washington, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Washington, drivers with a history of traffic violation pay an average of $1,126 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Washington after a speeding ticket
If you have a speeding ticket on your Washington driving record and you are looking for cheap car insurance, Farmers offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,687 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Farmers | $2,217 | $2,687 | 21% | $470 |
| State Farm | $2,559 | $2,791 | 9% | $232 |
| PEMCO | $2,415 | $3,239 | 34% | $824 |
| Allstate | $2,618 | $3,333 | 27% | $715 |
| Progressive | $2,557 | $3,432 | 34% | $875 |
| GEICO | $2,033 | $3,481 | 71% | $1,448 |
| Travelers | $2,154 | $3,575 | 66% | $1,421 |
| Nationwide | $2,563 | $4,631 | 81% | $2,068 |
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 Farmers provides the cheapest car insurance rates at an average annual premium of $2,765 . State Farm is the second-cheapest insurer at an average of $2,791 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 48% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Farmers | $2,217 | $2,765 | 25% | $548 |
| State Farm | $2,559 | $2,791 | 9% | $232 |
| Progressive | $2,557 | $3,216 | 26% | $659 |
| Travelers | $2,154 | $3,323 | 54% | $1,169 |
| Allstate | $2,618 | $3,465 | 32% | $847 |
| GEICO | $2,033 | $3,635 | 79% | $1,602 |
| PEMCO | $2,415 | $3,846 | 59% | $1,431 |
| Nationwide | $2,563 | $5,901 | 130% | $3,338 |
Cheap car insurance companies in Washington after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $3,022 a year.
On the other hand, Travelers offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $3,130 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $2,559 | $3,022 | 18% | $463 |
| Travelers | $2,154 | $3,130 | 45% | $976 |
| Farmers | $2,217 | $3,131 | 41% | $914 |
| PEMCO | $2,415 | $3,383 | 40% | $968 |
| GEICO | $2,033 | $3,497 | 72% | $1,464 |
| Allstate | $2,618 | $4,010 | 53% | $1,392 |
| Nationwide | $2,563 | $4,567 | 78% | $2,004 |
| Progressive | $2,557 | $4,737 | 85% | $2,180 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Washington
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Washington, Spokane Valley stands out as the city with the lowest auto insurance rates, at an average of $2,240 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Washington with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Spokane Valley | $2,240 |
| Spokane | $2,405 |
| Vancouver | $2,494 |
| Bellevue | $2,603 |
| Everett | $2,629 |
| Seattle | $2,803 |
| Renton | $2,808 |
| Kent | $2,930 |
| Tacoma | $2,941 |
| Federal Way | $2,948 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Washington?
By comparing car insurance quotes, you can save an average of 15% per year for a full coverage policy in Washington.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable 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 | 5% | $116 |
| Anti-Theft Device | 1% | $16 |
| Comp and Coll Deductibles | 15% | $367 |
| Daily Commute | 2% | $39 |
| Days Advanced Purchase | 8% | $194 |
| Education | 8% | $186 |
| Electronic Funds Transfer | 3% | $68 |
| Electronic Signature | 10% | $239 |
| Homeowner | 4% | $86 |
| Lower Annual Mileage | 4% | $94 |
| Loyalty – Years Renewal With Company | 10% | $234 |
| Marital Status | 6% | $142 |
| Multi Policy | 10% | $240 |
| Paperless/Electornic Documents | 2% | $51 |
| Payment Type | 9% | $214 |
| Primary Use | 8% | $191 |
| Purhase Status | 8% | $187 |
| Safety Devices | 4% | $90 |
| Student Away At School | 17% | $403 |
| Telematics | 9% | $212 |
| Vehicle Ownership | 7% | $165 |
| Years Insured | 21% | $493 |
| Years Licensed | 29% | $693 |
The bottom line on cheap car insurance in Washington
Based on our research, if you are a good driver, GEICO is the cheapest in Washington for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Washington is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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