Best Cheap Car Insurance Rates in Washington

Best Cheap Car Insurance Rates in Washington

Find Cheap Auto Insurance Quotes in Washington

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The average cost of minimum coverage car insurance in Washington was $353 for a 6-month policy and $706 annually, or $141 per month. We studied auto insurance rates throughout the state to help drivers determine which companies offered the best quotes.

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Annual premiums at the most expensive company can cost more than twice those of the cheapest insurer in Washington. That's why it's important to compare quotes from at least three companies in order to get a good rate.

Learn more below, or enter your ZIP code above to see a list of cheap auto insurance companies in your area.

Who offers the cheapest car insurance in Washington?

For a minimum coverage car insurance policy, the cheapest insurers in Washington were: Mutual of Enumclaw, Progressive and State Farm. Together, these three insurers had an average premium of $544, or 23% cheaper than the overall Washington state average of $706.

This graph shows the three cheapest auto insurance companies in Washington compared to the state average

Below we've ranked the cheapest auto insurers in Washington state in order from cheapest to most expensive, based on the group's average annual premiums for different policy types.

Find Cheap Auto Insurance Quotes in Washington

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While these are the statewide rankings, insurers can quote the same driver living in different places quite differently depending on the company's record of insurance claims in that area. It's best to compare at least three quotes; start by typing in your ZIP code above to see a list of companies that are active in your area.

RankInsurerAnnual rate
1Mutual of Enumclaw$527
2Progressive$529
3State Farm$575
4GEICO$688
5American Family$731
6Farmers$1,015
7Allstate$1,254
NAUSAA$333
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

The difference between the average full coverage ($1,691) and minimum coverage ($706) car insurance policies in Washington was $985.

Minimum coverage car insurance policies meet the minimum coverage levels required by state law, and unlike full coverage policies, do not include comprehensive and collision insurance. While carrying a minimum coverage policy is permissible by law, having low coverage limits may put you at risk of insufficient coverage if you're involved in a car accident.

Cheap full coverage car insurance in Washington

The cheapest car insurance companies for full coverage in Washington state were: Mutual of Enumclaw, State Farm and GEICO. Together, the three cheapest car insurers had an average premium of $1,323, which is 22% cheaper than the overall Washington state average of $1,691.

Below we include the complete list of full coverage car insurance premiums with no prior accident history for all eight insurers analyzed in Washington.

RankInsurerAnnual rate
1Mutual of Enumclaw$1,113
2State Farm$1,366
3GEICO$1,489
4Progressive$1,727
5American Family$1,822
6Allstate$2,484
7Farmers$2,504
NAUSAA$1,024
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

A full coverage policy is a car insurance policy that includes liability insurance coverage, personal injury protection and both comprehensive and collision coverage. Any driver that wants to protect themselves against damage to their car should consider purchasing a full coverage policy.

Cheap full coverage car insurance policy with one prior accident

For a full coverage auto insurance policy with one prior accident, the cheapest insurers in Washington were: Mutual of Enumclaw, State Farm and GEICO. Together, these companies offered an average rate of $1,769, or 30% cheaper than the overall Washington state average of $2,527.

Drivers with an accident on their driving record tend to have more expensive rates than those without any history of accidents. The rate difference between a full coverage policy with no accident history ($1,691) versus with one prior accident ($2,527) was $836.

RankInsurerAnnual rate
1Mutual of Enumclaw$1,519
2State Farm$1,633
3GEICO$2,154
4American Family$2,740
5Farmers$3,283
6Allstate$3,498
7Progressive$3,982
NAUSAA$1,411
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

Progressive saw the most drastic change in car insurance rates from the addition of a single accident, more than doubling from $1,727 to $3,982. Given the variability in rates from insurers for different driver profiles, we always recommend shopping around for car insurance.

Best-rated car insurance companies in Washington

To find the best auto insurance companies in Washington, we looked at the complaint index of the largest licensed insurers in the state, or those with a statewide market share of at least 1%.

By this metric, in Washington, the best car insurance companies are PEMCO, Mutual of Enumclaw and Liberty Mutual. These top three insurers have well below the average complaint index numbers, which indicate that they get fewer complaints compared to other companies their size.

RankCompanyMarket shareComplaint index
1PEMCO4.73%0.29
2Mutual of Enumclaw1.82%0.34
3Liberty Mutual (Ohio Security)1.07%0.64
4Progressive8.51%0.91
5Farmers (Mid-Century)2.04%1.01
6Travelers (Standard Fire)1.15%1.13
7Hartford1.75%1.13
8Farmers3.60%1.25
9American Family2.86%1.36
10GEICO9.35%1.63
11USAA6.42%1.79
12Integon1.48%1.84
13Liberty Mutual (First National)5.49%1.86
14Progressive (United Financial)1.09%1.88
15Allstate7.29%2.01
16Liberty Mutual (Safeco)2.05%2.31
17State Farm14.28%3.21
Market share data was at the insurance group level for Washington state, and complaint indexes listed are for the largest entity by market share within each group.

The complaint index, using national data from the National Association of Insurance Commissioners (NAIC), measures an insurer's complaint share relative to its market share of premiums underwritten. This helps to identify how much better or worse an insurer is compared to the rest of its competition. The lower the index, the better: meaning an insurer gets a smaller share of complaints relative to its size. An index number of 1 would be average for that market.

Minimum auto insurance requirements in Washington

In order to drive in Washington, your auto insurance coverage must meet the minimum liability insurance requirements listed below.

Washington state auto insurance requirements are as follows:

  • $25,000 per person/$50,000 per accident of bodily injury liability insurance
  • $10,000 property damage liability insurance

While the minimum coverage policy is your cheapest option, it may not be the best fit for your individual needs. We recommend drivers with new or expensive cars consider higher limits or additional coverage.

Cheap car insurance quotes in Washington by city

We delved into the full coverage quotes for the profiled driver based on which Washington city he lived in. Here is a table with the top three cheapest insurers in each of the 50 cities in our study. Following the table, we discuss the five largest cities in Washington in more detail.

CityAuto insurance companyAverage annual rates
AnacortesMutual of Enumclaw$995
State Farm$1,181
GEICO$1,214
ArlingtonMutual of Enumclaw$1,137
State Farm$1,181
GEICO$1,463
AuburnMutual of Enumclaw$1,414
State Farm$1,683
GEICO$1,885
Bainbridge IslandMutual of Enumclaw$1,227
GEICO$1,249
State Farm$1,252
Battle GroundMutual of Enumclaw$1,344
State Farm$1,427
GEICO$1,512
BellevueMutual of Enumclaw$1,358
State Farm$1,604
GEICO$1,646
BellinghamMutual of Enumclaw$1,137
GEICO$1,201
State Farm$1,202
Bonney LakeMutual of Enumclaw$1,344
State Farm$1,538
GEICO$1,694
BothellMutual of Enumclaw$1,344
State Farm$1,588
GEICO$1,647
BremertonMutual of Enumclaw$1,098
State Farm$1,252
GEICO$1,260
BurienMutual of Enumclaw$1,451
State Farm$1,742
GEICO$1,757
CamasMutual of Enumclaw$1,344
State Farm$1,427
GEICO$1,512
CentraliaMutual of Enumclaw$995
State Farm$1,253
GEICO$1,336
Cottage LakeMutual of Enumclaw$1,290
State Farm$1,623
GEICO$1,646
CovingtonMutual of Enumclaw$1,344
State Farm$1,742
GEICO$1,885
Des MoinesMutual of Enumclaw$1,431
State Farm$1,742
GEICO$1,757
EdmondsMutual of Enumclaw$1,347
GEICO$1,649
State Farm$1,712
EllensburgMutual of Enumclaw$995
State Farm$1,121
GEICO$1,414
EverettMutual of Enumclaw$1,344
State Farm$1,619
GEICO$1,632
Federal WayMutual of Enumclaw$1,469
State Farm$1,739
GEICO$1,885
IssaquahMutual of Enumclaw$1,154
State Farm$1,604
GEICO$1,647
KenmoreMutual of Enumclaw$1,507
GEICO$1,644
State Farm$1,660
KennewickMutual of Enumclaw$1,025
State Farm$1,164
GEICO$1,293
KentMutual of Enumclaw$1,414
State Farm$1,742
GEICO$1,885
KirklandMutual of Enumclaw$1,414
State Farm$1,604
GEICO$1,644
LaceyMutual of Enumclaw$1,064
State Farm$1,409
GEICO$1,480
LakewoodMutual of Enumclaw$1,431
State Farm$1,763
GEICO$1,863
LongviewMutual of Enumclaw$995
State Farm$1,254
GEICO$1,444
MarysvilleMutual of Enumclaw$1,137
State Farm$1,572
GEICO$1,632
Mercer IslandMutual of Enumclaw$1,507
State Farm$1,624
GEICO$1,647
Mount VernonMutual of Enumclaw$1,055
State Farm$1,181
GEICO$1,463
Mountlake TerraceMutual of Enumclaw$1,414
GEICO$1,649
State Farm$1,712
MukilteoMutual of Enumclaw$1,227
State Farm$1,572
GEICO$1,632
Oak HarborMutual of Enumclaw$1,055
State Farm$1,181
GEICO$1,214
OlympiaMutual of Enumclaw$1,060
State Farm$1,409
GEICO$1,480
ParklandMutual of Enumclaw$1,507
GEICO$1,929
State Farm$1,949
PascoMutual of Enumclaw$995
State Farm$1,163
GEICO$1,293
Port AngelesMutual of Enumclaw$1,154
State Farm$1,181
GEICO$1,276
PullmanMutual of Enumclaw$995
State Farm$1,063
GEICO$1,283
PuyallupMutual of Enumclaw$1,507
GEICO$1,694
State Farm$1,739
RentonMutual of Enumclaw$1,431
State Farm$1,683
GEICO$1,798
RichlandMutual of Enumclaw$1,055
State Farm$1,164
GEICO$1,293
SammamishMutual of Enumclaw$1,182
State Farm$1,604
GEICO$1,646
SeaTacMutual of Enumclaw$1,431
State Farm$1,742
GEICO$2,026
SeattleMutual of Enumclaw$1,471
GEICO$1,607
State Farm$1,710
SpokaneMutual of Enumclaw$1,001
State Farm$1,370
GEICO$1,547
Spokane ValleyMutual of Enumclaw$939
State Farm$1,370
Progressive$1,509
TacomaMutual of Enumclaw$1,456
GEICO$1,830
State Farm$1,869
VancouverMutual of Enumclaw$1,295
State Farm$1,480
GEICO$1,668
YakimaMutual of Enumclaw$1,055
State Farm$1,219
GEICO$1,400
USAA was excluded from our rankings, as its policies are only available to current and former members of the military and their families.

Because where you live has a significant impact on your rates, next we compare full coverage car insurance quotes for the five most populated cities in Washington:

  • Seattle
  • Spokane
  • Tacoma
  • Vancouver
  • Bellevue

Seattle, Washington

  • Average annual auto insurance quote in Seattle = $2,086
  • 23% more expensive than Washington average

Seattle is home to some of the most expensive auto insurance policies in the state, though Mutual of Enumclaw, GEICO and State Farm could help drivers find savings, as they were the cheapest insurers in the area.

Spokane, Washington

  • Average annual auto insurance quote in Spokane = $1,639
  • 3% cheaper than Washington average

It is a little less expensive in Spokane relative to the state average for motorists to insure their cars. We still recommend comparing quotes to help you find the best savings.

Tacoma, Washington

  • Average annual auto insurance quote in Tacoma = $2,094
  • 24% more expensive than Washington average

Shop around for quotes to find good rates, as premiums with the most expensive insurer, Farmers, were more than double of that of the cheapest, Mutual of Enumclaw.

Vancouver, Washington

  • Average annual auto insurance quote in Vancouver = $1,799
  • 6% more expensive annually than Washington average

Car insurance in Vancouver, Washington was only slightly above the state average. Drivers can still find savings as the three cheapest insurers in Vancouver cost, on average, 18% less than the city mean.

Bellevue, Washington

  • Average annual auto insurance quote in Bellevue = $1,897
  • 12% more expensive than Washington average

Average cost of car insurance in Washington state

The average cost of full coverage car insurance in Washington was $1,691. Among the 50 most populated cities in Washington, the most expensive for car insurance were Parkland, SeaTac and Burien, together averaging $2,149. The urban areas of Kent, Tacoma and Seattle were also among the most expensive, each with annual premiums above $2,000.

The cheapest cities were Anacortes, Oak Harbor and Port Angeles together averaging $1,434. There is a general trend between rising auto insurance prices and larger metro areas, as greater population density implies more opportunities for car accidents and claim filings. Spokane was among the larger urban areas that offered relatively cheap auto insurance at $1,639.

Below we list the average annual full coverage premiums in Washington state's largest cities, where quotes were available. The list shows average annual premiums in each city and is ordered from cheapest city to most expensive city. Check it out to see where your city stacks up against others in the state:

RankCityAnnual car insurance premium
1Anacortes$1,420
2Oak Harbor$1,430
3Port Angeles$1,453
4Bellingham$1,474
5Richland$1,482
6Pullman$1,494
7Ellensburg$1,497
8Mount Vernon$1,514
9Centralia$1,543
10Kennewick$1,553
11Pasco$1,555
12Spokane Valley$1,568
13Longview$1,571
14Bremerton$1,576
15Yakima$1,597
16Olympia$1,620
17Spokane$1,639
18Bainbridge Island$1,641
19Lacey$1,655
AverageWashington$1,691
20Camas$1,739
21Arlington$1,749
22Vancouver$1,799
23Battle Ground$1,817
24Marysville$1,826
25Kirkland$1,862
26Sammamish$1,882
27Cottage Lake$1,893
28Mukilteo$1,893
29Issaquah$1,894
30Bellevue$1,897
31Bothell$1,910
32Bonney Lake$1,923
33Evertt$1,957
34Puyallup$1,982
35Edmonds$2,009
36Kenmore$2,013
37Mountlake Terrace$2,026
38Mercer Island$2,035
39Covington$2,054
40Lakewood$2,067
41Seattle$2,086
42Auburn$2,094
43Tacoma$2,094
44Des Moines$2,096
45Kent$2,107
46Renton$2,113
47Federal Way$2,121
48Burien$2,126
49SeaTac$2,161
50Parkland$2,161
Rates were included for the 50 most populated cities in Washington according to the most recent census data and where quotes were available.

Methodology

We obtained quotes for insuring a 2015 Honda Civic EX owned by our benchmark driver, a single 30-year-old male. Quotes were drawn from all available ZIP codes in Washington state. The driver was profiled as having no credit history, which makes him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

When our driver had a full coverage policy, we gave him coverage limits slightly above Washington's minimum requirements.

Full coverage policy

Coverage typeStudy limits
Bodily liability$50,000 per person/ $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist BI$50,000 per person/ $100,000 per accident
Comprehensive & collision$500 deductible
Personal injury protection$10,000

Our rates for a minimum coverage policy represent the average cost of a policy that meets Washington state's minimum required auto insurance coverage.

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.

Michael Hoffmann is a Senior Research Analyst focused on insurance. He was previously a Technology Editor at The Economist Intelligence Unit and has had prior roles as an ETF and Equity Analyst focused on emerging technologies like artificial intelligence, cybersecurity and cloud computing.

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.

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