Cheap Car Insurance in Washington (2024)
State Farm offers the cheapest car insurance policies in Washington for most drivers.
However, current and former military members might get a better deal with USAA, while some young drivers could pay less with Pemco.
Savings Tips
You can save around $500 a year by comparing full-coverage car insurance quotes in Washington.
USAA, State Farm, Pemco and Geico all offer liability-only policies under $550 a year on average.
State Farm offers the cheapest rates on average for drivers who have a speeding ticket or have been in an accident.
Cheapest full-coverage car insurance in Washington: State Farm
State Farm has one of the cheapest rates for a full-coverage policy in Washington, at $1,038 a year. USAA is actually even cheaper, at $993 a year, but as mentioned, it’s only for military members and their families.
Full-coverage car insurance combines liability, collision and comprehensive coverage. Collision coverage is for damage to your car after an accident, comprehensive is for damages not related to an accident, such as a falling tree or vandalism.
Full-coverage car insurance policies in Washington average $1,534 a year.
Cheapest full-coverage car insurance companies
| Company | Annual rate |
|---|---|
| USAA* | $993 |
| State Farm | $1,038 |
| Geico | $1,209 |
| Pemco | $1,483 |
| Allstate | $1,709 |
| American Family | $1,776 |
| Progressive | $1,869 |
| Farmers | $2,193 |
*USAA is only offered to military members and veterans as well as their families
Cheapest Washington liability coverage: State Farm
State Farm also offers the cheapest liability policy for most customers, at an average rate of $401 a year — although here, too, USAA is less expensive.
Liability car insurance covers only injuries and damage you cause to others in an accident. Liability car insurance policies in Washington average $651 a year, which is cheaper than the national average of $773 a year.
Cheapest liability-only car insurance companies
| Company | Annual rate |
|---|---|
| USAA* | $316 |
| State Farm | $401 |
| Pemco | $464 |
| Geico | $505 |
| American Family | $826 |
| Progressive | $849 |
| Farmers | $940 |
| Allstate | $909 |
Cheapest rates for young drivers in Washington: Pemco
Pemco offers cheaper average rates for 18-year-old drivers in Washington, compared to its major competitors — at $896 for a liability policy and $2,945 for a full-coverage policy.
Auto insurance for teens is usually much more expensive than for adults, due to the inexperience of young drivers.
Cheapest car insurance for 18-year-old drivers
| Company | Liability only policies | Full-coverage policies |
|---|---|---|
| Pemco | $896 | $2,945 |
| State Farm | $1,257 | $2,987 |
| USAA* | $1,311 | $3,657 |
| Geico | $1,500 | $3,524 |
| Progressive | $2,393 | $5,917 |
| Allstate | $3,210 | $6,482 |
| Farmers | $3,415 | $5,612 |
| American Family | $5,239 | $10,921 |
Cheapest rates after a speeding ticket in Washington: State Farm
State Farm offers the cheapest full-coverage policies for drivers with a speeding ticket or similar traffic violation on their record. Its average rate in this case is $1,133 a year.
Drivers with a speeding ticket are considered high-risk and, as such, pay significantly more than those with a clean record.
Cheapest full-coverage car insurance with a traffic ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,133 |
| USAA* | $1,167 |
| Geico | $1,830 |
| Pemco | $1,850 |
| Allstate | $1,882 |
| Progressive | $2,487 |
| American Family | $2,566 |
| Farmers | $2,827 |
Cheapest quotes after an accident in Washington: State Farm
If you have an at-fault accident on your record, State Farm will likely be your best option in Washington state, at an average annual rate of $1,227.
In fact, the rates for State Farm and USAA, in this case, are actually cheaper than the average rate of a driver with a clean record.
Cheapest full-coverage car insurance with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,227 |
| USAA* | $1,368 |
| Geico | $1,996 |
| Pemco | $2,014 |
| Allstate | $2,431 |
| American Family | $2,672 |
| Farmers | $2,937 |
| Progressive | $3,091 |
Best rates after a DUI in Washington: Geico
Geico has the cheapest average rate for Washington drivers convicted of driving under the influence (DUI), at $1,880. This compares to the state average of $2,853 a year for motorists with a DUI.
Cheapest full-coverage car insurance with a DUI
| Company | Annual rate |
|---|---|
| Geico | $1,880 |
| USAA* | $2,084 |
| Progressive | $2,201 |
| Allstate | $2,270 |
| Pemco | $2,300 |
| American Family | $3,486 |
| Farmers | $3,505 |
| State Farm | $5,099 |
Washington insurance rates by city
Among Washington’s largest cities, Bellingham offers the cheapest full-coverage rate ($1,310 a year on average), while Federal Way has the most expensive ($1,883 a year on average).
| City | Annual rate |
|---|---|
| Auburn | $1,851 |
| Bellingham | $1,310 |
| Bellevue | $1,689 |
| Everett | $1,702 |
| Federal Way | $1,883 |
| Kennewick | $1,339 |
| Kent | $1,872 |
| Kirkland | $1,668 |
| Marysville | $1,607 |
| Pasco | $1,357 |
| Redmond | $1,674 |
| Renton | $1,853 |
| Sammamish | $1,671 |
| Seattle | $1,867 |
| South Hill | $1,757 |
| Spokane | $1,465 |
| Spokane Valley | $1,398 |
| Tacoma | $1,860 |
| Vancouver | $1,600 |
| Yakima | $1,389 |
Car insurance laws in Washington
Washington’s laws require drivers to have liability coverage with at least the following:
- Minimum of $25,000 for injuries or death to another person
- Minimum of $50,000 for all injuries or death in an accident
- Minimum of $10,000 for damage to another person’s property
Liability car insurance policies only cover bodily injuries and property damage from a car accident you’re held responsible for.
You will not be covered for your own injuries and property damage with a liability-only policy.
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers.
Unless stated otherwise, we used thousands of car insurance quotes from across Washington for a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.
For full-coverage policies, the following coverage limits were used. Your rates may vary:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible