Best Car Insurance In Washington State
State Farm is renowned for offering the most comprehensive car insurance coverage in Washington State.
We’ve saved shoppers an average of $600 per year on their car insurance.
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
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 |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Washington State 2026
Best Overall
Key Statistics
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
⇅- Economical pricing
- Extensive variety of insurance coverage
- Top-notch customer assistance ✓
- It's not the most economical selection.
- Restricted digital utilities
- Prices escalate after filing claims. ✘
Best For Minimum Coverage
Key Statistics
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
⇅- Reasonably priced payments
- Quick and reliable online amenities
- Swift claim approval ✓
- Primary insurance alternatives
- Remote customer care
- No agents are based nearby. ✘
Best For Full Coverage
Key Statistics
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
⇅- Wide array of protection choices
- We provide accident forgiveness coverage.
- Substitution with a fresh car ✓
- Augmented insurance fees
- Elaborate policy selections
- Delayed resolution of claims ✘
Best For New Cars
Key Statistics
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
⇅- Value agreed upon for insurance coverage
- Top-notch claims handling
- Exclusive policy options ✓
- Expensive pricing
- The coverage could be deemed as overly abundant.
- Limited discount opportunities ✘
Best For Seniors
Key Statistics
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
⇅- Tailor-made savings for retirees
- You can benefit from accident understanding
- Complete mobile application ✓
- Augmented premium prices
- Changing levels of customer care effectiveness
- The complexity of policy alternatives can vary. ✘
Best For Driving Violations
Key Statistics
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
⇅- Amnesty for first wreck
- Deals for Defensive Driving Skills
- Individualized coverage for drivers with elevated risk factors. ✓
- Steeper charges for violations
- Narrow variety of coverage selections
- Joining is necessary. ✘
Best For Families With Teens
Key Statistics
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
⇅- Discounts for students with good grades
- Adjustable protection choices
- Resources to support teen learning ✓
- Higher premiums could be a risk
- Differences in customer support quality
- Elaborate policy designs ✘
Best For Customer Service
Key Statistics
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
⇅- Competitive costs
- Extensive insurance plans
- Top-notch service for customers ✓
- Not the most economical choice.
- Meager technological resources
- Premiums climb after making claims. ✘
Best For Young Adults
Key Statistics
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
⇅- Economical pricing for the younger generation.
- Top-notch customer assistance
- Swift claims management ✓
- Minimal presence in physical spaces
- Decreased high-risk policy alternatives.
- Discounts based on your usage habits are not provided. ✘
Best For Budget Option
Key Statistics
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
⇅- Rates that beat the competition
- Firm customer approval
- Hassle-free claims process ✓
- 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.
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.
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.
Compare Quotes
Check out Insuranceopedia to collect quotes from several insurers and compare their prices and coverage.
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.
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.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
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
Related Content
Cheap Non-Owner Car Insurance In Washington Temporary Car Insurance In Washington Cheapest Low-Income Car Insurance In Washington Cheapest Home And Auto Insurance Bundles In Washington Cheapest SR-22 Car Insurance In Washington Cheap Car Insurance For Teens In Washington Cheap Car Insurance For College Students in Washington Cheap Car Insurance For Seniors In Washington