Best Cheap Car Insurance Quotes in Washington (2024)
State Farm has the best cheap car insurance in Washington, at $87 per month for full coverage.
Find Cheap Auto Insurance Quotes in Washington
Best cheap car insurance in Washington
To help drivers find the best cheap car insurance in WA, ValuePenguin collected quotes from top companies across every ZIP code in the state. Quotes for minimum coverage meet the Washington state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $10,000 in property damage protection.
Full coverage quotes include comprehensive and collision protection, in addition to higher liability limits than the state minimums.
Our experts also rated the best auto insurance companies in WA based on insurance costs for different drivers, customer service reviews, coverage availability and convenience.
Cheapest car insurance in Washington: Pemco
State Farm has the cheapest full coverage quotes in Washington state, with an average of $87 per month. That's $41 per month cheaper than the state average of $128.
Find Cheap Auto Insurance Quotes in Washington
Active-duty service members, veterans and some members of their families can also find cheap quotes from USAA, where a full coverage policy costs just $83 per month.
Cheapest Washington state full coverage insurance
Company | Monthly rate | |
|---|---|---|
| State Farm | $87 |
| Geico | $101 |
| Pemco | $124 |
| Allstate | $142 |
| American Family | $148 |
*USAA is only available to current and former military members and their families.
A full coverage policy includes both comprehensive and collision coverage. Collision coverage pays for damage to your car, regardless of who is at fault in an accident. Comprehensive coverage pays for damage outside of your control, like damage from hail or a tree branch falling on your car.
Cheapest liability car insurance quotes in Washington: State Farm
State Farm is the cheapest company in Washington state for minimum coverage car insurance. A State Farm policy costs an average of $33 per month, which is 38% cheaper than the overall state average.
The average cost of car insurance in Washington is $54 per month, or $651 per year, for a minimum coverage policy.
Cheapest WA car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $33 |
| Pemco | $39 |
| Geico | $42 |
| American Family | $69 |
| Progressive | $71 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Washington
Cheapest car insurance quotes for young drivers in Washington: Pemco
Pemco offers young drivers in Washington the most affordable quotes, with an average rate of $75 per month for minimum coverage insurance.
Teen drivers can also find the cheapest full coverage insurance at Pemco, where a policy costs $245 per month.
Car insurance rates for 18-year-old drivers in Washington are more than three times the rates for 30-year-olds.
Cheapest WA car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Pemco | $75 | $245 |
| State Farm | $105 | $249 |
| Geico | $125 | $294 |
| Progressive | $199 | $493 |
| Allstate | $268 | $540 |
The average cost of minimum coverage car insurance for an 18-year-old is $200 per month in Washington. Insurance companies generally charge teen drivers more because their lack of experience behind the wheel leads to more accidents.
Young drivers can get the best car insurance rates by sharing a policy with their parents, which can save them around 62%.
Cheapest car insurance quotes with a ticket: State Farm
State Farm offers the best quotes for Washington drivers with a speeding ticket on their record, charging $94 per month for a full coverage policy. That rate is 42% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $94 |
| Geico | $153 |
| Pemco | $154 |
| Allstate | $157 |
| Progressive | $207 |
A speeding ticket will generally increase your auto insurance quotes, but not as much as an at-fault accident. In Washington state, rates go up by 28% after a speeding ticket, compared to a 45% increase after an at-fault accident.
Cheapest car insurance in WA after an accident: State Farm
State Farm has the cheapest quotes for Washington drivers with an accident on their record. At $102 per month, full coverage auto insurance from State Farm costs 45% less than the state average, which is $185 per month.
Company | Monthly rate |
|---|---|
| State Farm | $102 |
| Geico | $166 |
| Pemco | $168 |
| Allstate | $203 |
| American Family | $223 |
Washington drivers see an increase of around 45% in the price of car insurance after a single accident.
However, not all auto insurance providers in Washington raise rates by the same amount. Progressive has the biggest increase after a single accident — 65%. State Farm only increases its rates by 18%.
That's why it's always a good idea to shop around for car insurance when your driving record changes.
Cheapest car insurance for young drivers after a ticket or accident: Pemco
Pemco has the most affordable minimum coverage quotes for young drivers in Washington with a speeding ticket or accident.
Teen drivers in Washington state pay an average of $83 per month after a speeding ticket with Pemco. That's around one-third the average price in the state, which is $231 per month.
Pemco's average rate after an accident is $89 per month, which is $157 per month less than the state average.
Company | Ticket | Accident |
|---|---|---|
| Pemco | $83 | $89 |
| State Farm | $116 | $128 |
| Geico | $171 | $192 |
| Progressive | $218 | $242 |
| Allstate | $304 | $325 |
A single speeding ticket can cause rates for teenage drivers to go up by 15% on average. After an 18-year-old driver causes an accident, car insurance quotes in Washington state go up by 23%, an average increase of $46 per month.
Cheapest car insurance in Washington after a DUI: Geico
Geico has the cheapest car insurance for drivers in Washington with a DUI (driving under the influence) conviction. A full coverage policy from Geico costs $157 per month, which is 34% cheaper than the average cost of car insurance in Washington state.
Company | Monthly rate |
|---|---|
| Geico | $157 |
| Progressive | $183 |
| Allstate | $189 |
| Pemco | $192 |
| American Family | $291 |
If you're a Washington driver cited for a DUI, your rates will increase by an average of 86%, up to $100 per month. Most drivers also have to get SR-22 insurance after a DUI, which means your rates could be even more expensive.
Best car insurance companies in Washington
USAA has the best car insurance in Washington state because of its combination of reliable customer service and cheap quotes.
However, USAA is only available to current and former military members and their families, so most people can't buy a policy.
State Farm is a top option if you can't get USAA. State Farm has good customer service and some of the lowest rates in Washington state.
Best WA car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Pemco | NR | NR | |
| American Family | 838 | A |
When shopping for car insurance, choosing a dependable insurance company is as important as finding the best rate.
If you're in an accident, a company with great customer service will make the claims process stress-free and get you back on the road quickly. Companies with poor service could take longer to process your claim, and may offer you less money for repairs.
Average cost of car insurance in Washington by city
The most expensive city for car insurance in Washington state is Boulevard Park.
For drivers living in Boulevard Park, a Seattle suburb, a full coverage policy costs $168 per month.
Port Townsend, situated on a peninsula outside Seattle, has the most affordable car insurance rates in Washington, averaging $104 per month for full coverage.
Full coverage car insurance quotes in Washington can vary by $64 per month depending on where you live in the state.
Average cost of car insurance by city in WA
City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $112 | -12% |
| Acme | $117 | -8% |
| Addy | $120 | -6% |
| Adna | $117 | -8% |
| Ahtanum | $115 | -10% |
Minimum car insurance requirements in Washington state
In order to drive legally in Washington, your auto insurance coverage must meet minimum liability insurance requirements, sometimes written as 25/50/10.
Coverage | Limit |
|---|---|
| Bodily injury (BI) liability | $25,000 per person and $50,000 per accident |
| Property damage (PD) liability | $10,000 per accident |
The state of Washington requires all insurance companies to automatically include personal injury protection (PIP) coverage on every insurance policy, but you can reject it in writing. If you decide to keep it, you can choose between $10,000 or $35,000 per accident.
What's the best car insurance to get in Washington?
Minimum liability car insurance is cheaper than full coverage but could cost you more in the long run if you're in a major accident.
In Washington, a minimum coverage policy only pays for the other driver’s injuries or damage to their car or property resulting from an accident. It doesn't include protection against damage to your vehicle.
Most drivers should strongly consider getting a full coverage auto insurance policy rather than minimum coverage.
Alternatives to car insurance
An auto insurance policy is the most convenient way to satisfy the Motor Vehicle Safety Responsibility Law. However, drivers in Washington can choose to put up a $60,000 liability bond proof instead of buying an insurance policy.
We don't recommend this option for most drivers because it doesn't provide any protection if you're in an accident, so you'll have to pay for any damage you cause.
Frequently asked questions
Which company has the cheapest auto insurance in Washington state?
State Farm offers the cheapest car insurance quotes in Washington state. A minimum coverage policy from State Farm costs $33 per month, and full coverage costs $87 per month.
How much is car insurance in Washington?
On average, minimum coverage car insurance in Washington costs $54 per month, or $651 per year. A full coverage policy costs an average of $128 per month, or $1,534 per year.
Who has the best car insurance in Washington state?
USAA has the best car insurance in Washington state. It has affordable rates, dependable customer service and useful coverage options, but it's only available if you are a military member, veteran or family member. Otherwise, State Farm has the best widely available insurance in Washington.
How much is car insurance in Seattle?
Full coverage car insurance in Seattle costs an average of $156 per month. That's 22% more expensive than the average in Washington state. By comparison, drivers in Washington's second-largest city, Spokane, pay around $122 per month for the same coverage.
What are the car insurance requirements in Washington state?
Washington requires drivers to have bodily injury limits of $25,000 per person and $50,000 per accident, along with $10,000 in property damage liability insurance, to drive legally.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Washington for the state's largest insurance companies. Rates are for a 30-year-old man driving a 2015 Honda Civic EX with good credit.
Unless otherwise noted, quotes are for a full coverage policy with more liability coverage than the state minimum.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.