Best Car Insurance In Washington State

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Written by Bob Phillips
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Whether you’re after basic car insurance, robust protection for new cars, or family-focused policies, we’ve chosen the top insurers in Washington State. State Farm ranks highest for its competitive pricing, wide coverage options, and excellent customer feedback.

GEICO is a great choice for affordable minimum coverage, while Travelers stands out for full coverage, offering accident forgiveness and extensive benefits. With 15 years of experience, including five in Washington State, this guide provides the insight you need to secure reliable car insurance.

Best Car Insurance Companies In Washington State, 2026

Best Car Insurance, Washington State, 2026

Compare The Best Car Insurance In Washington State

Overall Rating Best For A.M Best Rating J.D Power Rating Local Sales Agent Presence Get A Quote
State Farm
4.9

Overall

A++

826

Yes

Instant Quote
Amica
4.8

Young Adults

A+

Not Rated

Yes

Instant Quote
Wawanesa
4.9

Budget Option

A+

843

Yes

Instant Quote
Chubb
4.7

New Cars

A++

Not Rated

Yes

Instant Quote
Allstate
4.7

Seniors

A++

816

Yes

Instant Quote
AAA
4.8

Driving Violations

A-

832

Yes

Instant Quote
GEICO
4.8

Minimum Coverage

A++

830

No

Instant Quote
Travelers
4.5

Full Coverage

A++

Not Rated

Yes

Instant Quote
Farmers
4.5

Families With Teens

A

813

Yes

Instant Quote
State Farm
4.9

Customer Service

A++

826

Yes

Instant Quote
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Best Car Insurance Companies In Washington State 2026


Best Overall

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

As Washington State’s premier car insurer, State Farm excels by offering affordable coverage options without compromising on protection. Their policies are bolstered by various discounts, such as those for safe drivers, multiple cars, and safety features. With consistently high ratings for customer satisfaction and a network of approachable local agents, they provide reliable support and foster confidence among policyholders.

Benefits & Drawbacks

Benefits
  • Economical pricing
  • Extensive variety of insurance coverage
  • Top-notch customer assistance
Drawbacks
  • It's not the most economical selection.
  • Restricted digital utilities
  • Prices escalate after filing claims.

Best For Minimum Coverage

Overall Rating
4.8

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

For drivers in Washington State seeking affordable minimum coverage, GEICO stands out as the leading option. Their highly competitive rates make it easy to meet legal requirements without overspending. Additionally, GEICO’s intuitive digital tools allow customers to manage their policies and file claims effortlessly, making it an ideal choice for cost-conscious individuals.

Benefits & Drawbacks

Benefits
  • Reasonably priced payments
  • Quick and reliable online amenities
  • Swift claim approval
Drawbacks
  • Primary insurance alternatives
  • Remote customer care
  • No agents are based nearby.

Best For Full Coverage

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

In Washington State, Travelers is highly regarded for its full coverage car insurance, which offers protection that goes beyond liability to cover collisions, theft, and natural disasters. With features like accident forgiveness, gap coverage, and new car replacement, Travelers provides added value for drivers with high-value vehicles. Their financial strength and responsive customer support ensure drivers are well-covered and confident on the road.

Benefits & Drawbacks

Benefits
  • Wide array of protection choices
  • We provide accident forgiveness coverage.
  • Substitution with a fresh car
Drawbacks
  • Augmented insurance fees
  • Elaborate policy selections
  • Delayed resolution of claims

Best For New Cars

Overall Rating
4.7

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Washington State’s new car owners often choose Chubb for its unparalleled car insurance coverage, designed with high-value vehicles in mind. The agreed value coverage ensures full compensation for the insured amount without factoring in depreciation, which is particularly helpful for protecting new cars. Added benefits, including high rental reimbursement limits, key replacement, and access to quality repair shops, help maintain vehicles in top condition. Chubb’s hassle-free claims process and strong customer service make it an excellent choice for safeguarding your new purchase.

Benefits & Drawbacks

Benefits
  • Value agreed upon for insurance coverage
  • Top-notch claims handling
  • Exclusive policy options
Drawbacks
  • Expensive pricing
  • The coverage could be deemed as overly abundant.
  • Limited discount opportunities

Best For Seniors

Overall Rating
4.7

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Seniors in Washington State looking for car insurance will find Allstate to be an ideal choice. With perks like accident forgiveness, senior discounts, and new car replacement, their policies deliver comprehensive coverage. Safe driving incentives and low-mileage discounts are tailored to older drivers, while their strong customer support and easy-to-use online tools enhance the overall insurance experience.

Benefits & Drawbacks

Benefits
  • Tailor-made savings for retirees
  • You can benefit from accident understanding
  • Complete mobile application
Drawbacks
  • Augmented premium prices
  • Changing levels of customer care effectiveness
  • The complexity of policy alternatives can vary.

Best For Driving Violations

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

AAA is a leading insurance option for Washington State drivers with violations, offering programs like accident forgiveness and discounts for approved driving courses. These features help drivers maintain affordable premiums and improve their records through safe driving incentives.

Benefits & Drawbacks

Benefits
  • Amnesty for first wreck
  • Deals for Defensive Driving Skills
  • Individualized coverage for drivers with elevated risk factors.
Drawbacks
  • Steeper charges for violations
  • Narrow variety of coverage selections
  • Joining is necessary.

Best For Families With Teens

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
8/10 Coverage Level

Why We Like Them

Washington State families with teen drivers can rely on Farmers Insurance for comprehensive and affordable coverage. With discounts for good grades and safe driving programs, Farmers supports both affordability and education for young drivers.

Benefits & Drawbacks

Benefits
  • Discounts for students with good grades
  • Adjustable protection choices
  • Resources to support teen learning
Drawbacks
  • Higher premiums could be a risk
  • Differences in customer support quality
  • Elaborate policy designs

Best For Customer Service

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Renowned for its focus on customer care, State Farm offers Washington State drivers unparalleled service. With a strong local presence, their agents provide tailored advice and one-on-one assistance, ensuring a positive experience for policyholders.

Benefits & Drawbacks

Benefits
  • Competitive costs
  • Extensive insurance plans
  • Top-notch service for customers
Drawbacks
  • Not the most economical choice.
  • Meager technological resources
  • Premiums climb after making claims.

Best For Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Amica is a standout choice for young drivers in Washington State, offering cost-effective insurance with discounts tailored to their needs. Good student rewards and safe driving incentives make it an attractive option for budget-conscious young adults.

Benefits & Drawbacks

Benefits
  • Economical pricing for the younger generation.
  • Top-notch customer assistance
  • Swift claims management
Drawbacks
  • Minimal presence in physical spaces
  • Decreased high-risk policy alternatives.
  • Discounts based on your usage habits are not provided.

Best For Budget Option

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

Drivers in Washington State looking for affordable car insurance will appreciate Wawanesa’s competitive pricing and dependable service. Its commitment to low costs and straightforward claims processing makes it an ideal budget-friendly choice.

Benefits & Drawbacks

Benefits
  • Rates that beat the competition
  • Firm customer approval
  • Hassle-free claims process
Drawbacks
  • Narrow range of insurance options
  • Decrease in available discounts.
  • Limits determined by regional accessibility

How To Find The Best Car Insurance

Selecting the right car insurance in Washington involves balancing your legal obligations with your personal needs. Start by learning your state’s liability insurance requirements, then evaluate whether you need coverage beyond the minimum. For leased or financed cars, lenders usually require comprehensive and collision policies.

Tailor your plan by taking into account your driving habits, vehicle value, and willingness to assume financial risk. Extra options, such as uninsured motorist or personal injury protection, may be essential if you live in an area with many uninsured drivers. Requesting quotes from several insurers can help you find both affordable and sufficient coverage.

How To Buy Car Insurance In Washington State

Follow these five steps to ensure you get the right car insurance in Washington State for your situation.

Assess Your Coverage Needs

Consider your vehicle’s value, how often and where you drive, and your financial situation when choosing coverage. You may find you need more than minimum liability, or you might benefit from adding collision and comprehensive coverage.

1

Research Potential Insurers

Explore different car insurance companies in Washington State, examining their reputation for customer service, claims processing, and financial health. Utilize online reviews, ratings from independent agencies such as J.D. Power, and input from current and past customers to assess each insurer’s reliability.

2

Gather Necessary Information

Before you request quotes, gather necessary information like your driver’s license number, vehicle registration, driving history, and any relevant documents that could affect the rates you receive. Being prepared will make the quoting process faster and ensure accurate pricing.

3

Compare Quotes

Check out Insuranceopedia to collect quotes from several insurers and compare their prices and coverage.

4

Purchase the Policy

Once you’ve selected the insurer offering the optimal coverage at the best price, proceed to purchase the policy. Nowadays, most insurers provide online or phone options for quick and easy purchase, ensuring immediate coverage. After buying, don’t forget to print out your insurance cards and any essential paperwork.

5

Average Cost Of Car Insurance In Washington State

Quadrant Information Services reports that a full-coverage car insurance policy in Washington State typically costs $205 per month or $2,460 per year. Across the United States, the average is $205 monthly or $2,460 annually.

COMPANY FULL COVERAGE
Travelers $1,505
Nationwide $1,660
Farmers $1,716
GEICO $1,174
PEMCO $1,328

Average Car Insurance Rates In Washington State – By City

City Average Premium
Vancouver $1,200
Yakima $2,160
Port Angeles $1,384
Malden $1,335
Seattle $1,320
Parkland $2,000
Des Moines $1,999
Tacoma $1,990
Tukwila $2,087
Bellevue $2,160

Average Car Insurance Rates In Washington State – By Age

Age Average monthly coverage rate Average annual coverage rate
16
$352
$4,220
18
$531
$6,372
20
$390
$4,681
25
$201
$2,412
30
$158
$1,886
40
$147
$1,764
50
$136
$1,633
60
$131
$1,569
70
$147
$1,766

Minimum Car Insurance Requirements In Washington State

Washington State’s car insurance requirements include a minimum of $25,000 in bodily injury liability per individual, $50,000 per accident, and $10,000 for property damage, ensuring basic financial coverage for drivers.

Our Methodology

Our goal of delivering accurate insurance company ratings drives our thorough approach. We evaluate multiple insurers, leveraging insights from established review sites. Key metrics from industry leaders like A.M. Best and J.D. Power are also essential to our analysis. With 15 years of experience as an insurance agent, including significant time in Washington State, I bring firsthand expertise to enhance our evaluation process. This comprehensive method, supported by data from trusted review sources, ensures our ratings are reliable, guiding your insurance decisions confidently.

324

Quotes Assessed

40+

Hours Of Research

15

Years Of Industry Experience

31

Brands Reviewed

FAQs

Who is the most trusted car insurance company?

From our research, it’s evident that State Farm and Wawanesa are Washington State’s most trusted names in auto insurance.

How much car insurance do I need?

The amount of car insurance you require is influenced by factors such as Washington State’s minimum requirements, your car’s value, and your financial situation. Evaluate liability, collision, and comprehensive coverage to ensure sufficient protection.

Why is car insurance so expensive?

Various factors contribute to the high cost of auto insurance, including the extent of coverage, your driving history, the vehicle type, your location, and external factors like inflation and increasing repair expenses.

About Bob Phillips

Having spent over fifteen years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds.
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