+120 more*These quotes are from real Compare.com users Washington within the last 10 days. Updated on June 23, 2026
*These quotes are from real Compare.com users Washington within the last 10 days. Updated on June 23, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Car insurance in Washington state costs an average of $132 per month, according to Compare.com data. But what you’ll pay can vary depending on many local factors like traffic, claim rates, and weather-related risks. Personal details like your age, car, and driving record also play a big role.
Even so, several companies offer car insurance policies for well below the statewide average. For example, State Farm, USAA, and Allstate provide some of the lowest average liability rates, with the cheapest around $59 per month.
This guide will help you find the best insurer for your situation, compare the cheapest car insurance companies by driver type, and learn the easiest ways to save on premiums.
The cheapest company for liability coverage in Washington is State Farm, with an average monthly rate of $59.
Average rates in Washington are around $171 for full coverage.
Washington requires at least $25,000 per person and $50,000 per accident in bodily injury liability, plus $10,000 for property damage liability.
Regardless of Washington’s average car insurance premiums, it’s always possible to lower your costs — especially by working with insurance companies that deliver high-value policies at below-average rates.
Here’s a snapshot of the cheapest insurers in Washington, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| USAA | $60 |
| Allstate | $78 |
| The General | $87 |
| American Family | $89 |
| Direct Auto | $90 |
| Nationwide | $91 |
| National General | $93 |
| Progressive | $93 |
| GEICO | $95 |
| Chubb | $99 |
| Farmers | $104 |
| Safeco | $107 |
| Travelers | $121 |
| Bristol West | $123 |
| Dairyland | $123 |
| Liberty Mutual | $176 |
We found that State Farm ranks as the most affordable car insurance company in Washington, with an average annual liability rate of $59.
In the next sections, we’ll explore how rates change based on various driver profiles, the cheapest car insurance company for each, and tips for saving money. We also highlight the best companies in the state based on key rating factors, including claims handling, customer satisfaction, discounts, and coverage options.
While the companies in the previous section provide a great starting point, car insurance rates in Washington vary significantly depending on your age, driving record, location, credit, and other factors.
The table below highlights the cheapest car insurance companies for different driver profiles and coverage types, based on Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $59 |
| Full coverage | State Farm | $117 |
| Teens | State Farm | $124 |
| Seniors | State Farm | $47 |
| Drivers with a speeding ticket | State Farm | $77 |
| Drivers with an at-fault accident | State Farm | $80 |
| Drivers with a DUI | State Farm | $83 |
| Drivers with excellent credit | State Farm | $52 |
| Drivers with poor credit | State Farm | $85 |
We’ve included more detailed breakdowns for each of these driver types in the sections below, so you can see how different factors shape your rates, plus how to find the best value.
Comparing quotes can save you up to $867.*
Like most states, Washington requires drivers to have at least state-minimum liability insurance. This covers basic costs if you cause an accident. But, because medical bills or repairs after a crash can easily exceed minimum limits, it’s usually a good idea (and inexpensive) to extend your coverage.
The average state-minimum policy in Washington runs about $92 per month. But you can almost certainly find a better deal with the right insurer.
The following companies offer the cheapest state minimum policies in Washington, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| USAA | $60 |
| Allstate | $78 |
| The General | $87 |
| American Family | $89 |
| Direct Auto | $90 |
| Nationwide | $91 |
| National General | $93 |
| Progressive | $93 |
| GEICO | $95 |
| Chubb | $99 |
| Farmers | $104 |
| Safeco | $107 |
| Travelers | $121 |
| Bristol West | $123 |
| Dairyland | $123 |
| Liberty Mutual | $176 |
If you lease or finance your car, lenders will require you to have full-coverage insurance. It includes collision and comprehensive insurance to cover damage to your vehicle from things like accidents, severe weather, theft, and vandalism.
The average full-coverage rate in Washington is $171 per month. That might seem like a big step up from a minimum-limit policy, but several companies offer much cheaper average rates.
The chart below shows the five cheapest insurers in Washington for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $117 |
| USAA | $119 |
| Safeco | $152 |
| Allstate | $155 |
| GEICO | $155 |
| Direct Auto | $162 |
| National General | $166 |
| Progressive | $174 |
| American Family | $176 |
| Nationwide | $181 |
| The General | $187 |
| Chubb | $196 |
| Farmers | $206 |
| Travelers | $240 |
| Liberty Mutual | $244 |
| Bristol West | $275 |
| Dairyland | $292 |
Teen drivers pay some of the highest insurance rates because they get into accidents three times more often than other drivers, according to the Insurance Institute for Highway Safety (IIHS).[1]
The average monthly cost to insure a teen in Washington is about $281. But the chart below highlights the five cheapest insurers, based on our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $120 |
| State Farm | $124 |
| Allstate | $166 |
| The General | $170 |
| American Family | $182 |
| GEICO | $186 |
| Direct Auto | $189 |
| Nationwide | $191 |
| Progressive | $198 |
| National General | $200 |
| Chubb | $219 |
| Farmers | $224 |
| Dairyland | $233 |
| Safeco | $234 |
| Bristol West | $237 |
| Travelers | $270 |
| Liberty Mutual | $335 |
Paying an average rate of $116 per month, senior drivers enjoy some of the cheapest car insurance premiums in Washington, thanks largely to their lower accident rates and mileage.[2]
Even so, most Washington seniors can still find ways to save money on their car insurance. The chart below highlights the cheapest options in Washington, according to Compare.com research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $47 |
| USAA | $49 |
| Allstate | $64 |
| Nationwide | $70 |
| American Family | $72 |
| National General | $74 |
| Direct Auto | $75 |
| The General | $75 |
| Chubb | $76 |
| GEICO | $76 |
| Progressive | $82 |
| Farmers | $83 |
| Safeco | $94 |
| Travelers | $98 |
| Bristol West | $104 |
| Dairyland | $106 |
| Liberty Mutual | $148 |
A traffic ticket triggers a rate increase the next time your policy renews. That’s because insurers view violations as indicators of high-risk driving, which increases your chances of filing a claim. Nationwide, a single speeding ticket raises premiums by 37%, on average, according to our research.
In Washington, the average cost for drivers with a speeding ticket is $175 per month. But several insurers offer better-than-average rates.
Here are the cheapest for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $77 |
| USAA | $80 |
| Allstate | $104 |
| Direct Auto | $116 |
| American Family | $119 |
| National General | $120 |
| The General | $120 |
| Nationwide | $121 |
| Progressive | $124 |
| GEICO | $128 |
| Chubb | $130 |
| Farmers | $137 |
| Safeco | $145 |
| Dairyland | $158 |
| Bristol West | $160 |
| Travelers | $162 |
| Liberty Mutual | $231 |
Causing an accident leads to, on average, a 41% rate increase in car insurance rates, according to analysis at Compare.com. Washington drivers with a recent at-fault accident pay an average of $182 per month for coverage.
But you can also find better deals with the following insurers, based on Compare.com research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $80 |
| USAA | $82 |
| Allstate | $107 |
| The General | $122 |
| American Family | $122 |
| Direct Auto | $125 |
| Nationwide | $125 |
| National General | $127 |
| GEICO | $128 |
| Progressive | $128 |
| Chubb | $135 |
| Farmers | $142 |
| Safeco | $152 |
| Bristol West | $166 |
| Dairyland | $166 |
| Travelers | $167 |
| Liberty Mutual | $239 |
Driving under the influence (DUI) convictions typically lead to the largest increases in car insurance rates. Our research shows that national premiums rise by an average of 61% after a DUI. In Washington, the average rate after a DUI conviction is $179 per month.
But many drivers get more affordable coverage with the companies listed in the chart below.
Company | Average Monthly Premium |
|---|---|
| State Farm | $83 |
| USAA | $84 |
| Allstate | $109 |
| The General | $118 |
| American Family | $119 |
| Direct Auto | $126 |
| Progressive | $126 |
| Nationwide | $127 |
| National General | $130 |
| GEICO | $132 |
| Chubb | $139 |
| Farmers | $146 |
| Safeco | $159 |
| Travelers | $169 |
| Bristol West | $172 |
| Dairyland | $172 |
| Liberty Mutual | $247 |
Some Washington insurers consider your credit history when calculating rates. Studies link poor credit with filing claims.[3] Our research shows that drivers with poor credit pay 20% more for coverage than people with excellent credit.
In Washington, the average monthly rate for drivers with poor credit is $165, according to Compare.com data.
Even so, not all companies use credit when calculating rates, and some offer competitive prices regardless of your credit history.
We compiled the five cheapest insurers for drivers with poor credit in the table below.
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $85 |
| Allstate | $96 |
| American Family | $107 |
| The General | $108 |
| Direct Auto | $111 |
| Nationwide | $113 |
| National General | $115 |
| Progressive | $116 |
| GEICO | $117 |
| Farmers | $129 |
| Safeco | $132 |
| Travelers | $150 |
| Bristol West | $152 |
| Dairyland | $152 |
| Chubb | $158 |
| Liberty Mutual | $211 |
No car insurance company is the best for every driver in Washington. At the end of the day, the right fit depends on your unique driver profile, budget, and coverage needs.
To help you choose, we selected these companies based on a blend of average local rates, available discounts, customer satisfaction ratings, and coverage options specific to Washington. Each of these insurers stands out for offering real value beyond just low prices.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a strong choice for Washington drivers who want reliable coverage, local agent support, and competitive rates. The company consistently earns higher-than-average claims satisfaction and solid customer satisfaction ratings from J.D. Power.[4]
But if you’re car loan exceeds your car’s value, be aware that State Farm doesn’t offer gap insurance to cover that difference on a totaled vehicle.
Strong financial strength rating[5]
Many local agents
Affordable average rates
Accident forgiveness not available
No vanishing deductible
Gap insurance not available
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.2 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
If you like managing your policy yourself, GEICO’s user-friendly website and app make it simple. The company often provides low premiums and a wide range of discounts to save up to 25%. Its highly rated DriveEasy program alone can knock up to 22% off your bill.
But GEICO doesn’t offer gap insurance. And J.D. Power also rates claims handling and customer service lower than some competitors.[6]
Easy-to-use website and app
Top-rated telematics program
23 available discounts
So-so customer satisfaction scores
Claims satisfaction below some competitors
Gap insurance not available
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.1 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Nationwide offers a broad selection of optional coverages, including gap insurance, accident forgiveness, vanishing deductible, and total loss deductible waivers. The company also provides a solid list of discounts, and low-mileage drivers in Washington can benefit from its highly rated SmartMiles pay-per-mile program.
But while Nationwide earns strong satisfaction scores in some regions, it sees higher complaint levels and more mixed reviews in the Northwest.
Strong claims satisfaction ratings
Many coverage options
Top-rated mobile app
No EV-specific discount
Fewer discounts than some competitors
Higher-than-average customer complaints
Local rates start as low as $59 per month.
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Like nearly every state, Washington requires all drivers to have auto insurance to ensure they can cover the costs of an accident. Driving without insurance in Washington comes with steep fines, license suspension, and other penalties.[7]
Here are Washington’s minimum auto insurance requirements:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $10,000 per accident
Uninsured motorist bodily injury coverage: Insurers must offer it at the same limits as liability coverage, but you can reject it in writing.
Personal injury protection: Insurers must offer at least $10,000, but you can reject it in writing.
Most experts, including the Washington Office of the Insurance Commissioner,[8] advise buying coverage above the state’s bare minimum. For example, imagine you rear-end a car and cause $40,000 in medical expenses for one victim and total a car worth $30,000.
With state-minimum limits, you’d have to pay for $15,000 of medical expenses and $20,000 of property damage out of your own pocket.
If you’re shopping for car insurance in Washington, you probably have questions. Below, we’ve answered some of the most common ones to help streamline the decision-making process.
Car insurance in Washington costs an average of $132 per month, according to Compare.com data. Liability insurance averages $92 per month, while full coverage runs around $171.
The most affordable Washington insurer for liability-only coverage is State Farm, with an average monthly rate of $59, according to our research.
If you need full coverage, State Farm offers the lowest average rate.
It depends. The price of car insurance in Washington varies based on factors like your location, driving record, age, credit, and coverage needs. That said, the state’s average monthly premium is $140, compared to the national average of $140, according to Compare.com data.
Yes. AAA Washington offers auto insurance to its members in Washington and northern Idaho. The coverage features member-only discounts and coverage options like new-car replacement and accident forgiveness.
Washington state requires you to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, plus $10,000 of property damage liability coverage. You need to keep proof of insurance in your vehicle at all times, and driving without it can result in fines and penalties.
Yes. Washington state law requires all drivers to have car insurance or an accepted alternative like self-insurance. You must carry proof of coverage in your vehicle at all times. Failing to provide proof when asked by law enforcement can lead to fines or other penalties.
Car insurance rates in Washington have been going up partly because tariffs on imported car parts are making repairs more expensive. Other factors pushing rates higher include inflation, more frequent accidents, and increased claims from extreme weather.
State Farm comes out on top with a 5 out of 5 score, based on Compare.com’s comprehensive ratings. But the best company for you depends on what matters most to you, whether that’s the lowest price, great customer service, or specific coverage options.
Washington insurers don’t look at your credit score itself. Instead, they check your credit history and use it to create a credit-based insurance score, which is different from the score lenders use. The good news is that insurers can’t use your credit history alone to deny you coverage or cancel your policy.[9]
Full-coverage car insurance in Washington costs an average of $171 per month, according to Compare.com data. What you’ll actually pay depends on factors like your age, driving record, credit history, and which insurance company you choose.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
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