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.
- 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.
Which company offers the cheapest car insurance rates in Washington?
Based on data analysis by CarInsurance.com, Geico provides the cheapest full coverage auto insurance rates for Washington drivers at a monthly rate of $98 or $1,171 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Washington.
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.
Who pays a lower insurance premium in Washington?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 4% less than single drivers.
- Washington drivers with clean records pay 43% less than drivers who have a DUI on their records.
- 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 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 companies for state minimum coverage in Washington
Washington requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Washington, ranked from cheapest to the most expensive for the 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 Washington insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Washington’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 full coverage car insurance in Washington
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Washington from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
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.
Cheapest car insurance premiums in Washington after a DUI conviction
Washington drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,487 a year, followed by Progressive with an annual premium of $1,762 annually, based on recent data.
If you have a clean record, you are likely to pay 43% less for car insurance than someone with a DUI.
| 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 companies in Washington after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $1,536 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,614.
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 |
|---|---|---|---|---|
| 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
Which cities in Washington have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Washington is Malden, at $1,331 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Washington with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Washington?
By comparing car insurance quotes, you can save an average of 27% 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 | 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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