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Compare car insurance in Washington

Get the cheapest car insurance in Washington for 2020

Updated

Fact checked

Washington

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,200

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Washington car insurance policies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $883,758 16.0%
Geico $637,453 11.6%
Liberty Mutual $574,536 10.4%
Progressive $536,468 9.7%
Allstate $507,733 9.2%
USAA $454,167 8.2%
Farmers $382,088 6.9%
PEMCO Mutual $295,724 5.4%
American Family $196,480 3.6%
Hartford $126,660 2.3%

Average car insurance costs in Washington

Washington drivers paid an average of $1,200 annually for car insurance in 2017, which is a little less than the $1,300 national average. If you’re older than 25 and have a clean driving record, you could expect to pay a lower premium if you live in Washington state.

However, rates are known to vary from one area of a state to the next. Drivers in downtown Seattle, for example, are likely to pay more than drivers out in Walla Walla. This is because city living comes with additional risk for car accidents, theft and vandalism — things that make it more likely for an urban driver to file insurance claims. And the more likely you are to file a claim, the more you’ll be charged for coverage.

Which city has the cheapest car insurance in Washington?

Of Washington’s largest cities, Pasco has the cheapest rates and Vancouver has the most expensive car insurance rates. Vancouver drivers could face rates 2 times more than Pasco drivers.

Car insurance quotes in Redmond

Company Annual car insurance rate
Allstate $1832
American Family $1764
Metromile $1131
Progressive $1961
Geico $1990

Car insurance quotes in Pasco

Company Annual car insurance rate
Allstate $1436
American Family $1361
Metromile $899
Progressive $1497
Geico $1537

Car insurance quotes in Bothell

Company Annual car insurance rate
Allstate $1907
American Family $1818
Metromile $1190
Progressive $1960
Geico $1953

Car insurance quotes in Vancouver

Company Annual car insurance rate
Allstate $1611
American Family $1610
Metromile $1110
Progressive $1969
Geico $1994

Car insurance quotes in Everett

Company Annual car insurance rate
Allstate $1884
American Family $1704
Metromile $1142
Progressive $1970
Geico $1922

State minimum requirements in Washington

To legally drive in Washington, you’ll need insurance that includes at least:

  • $25,000 for injuries or death to one person
  • $50,000 for injuries or death to all other people
  • $10,000 for damage to another person’s property

Roadside assistance in Washington

Many Washington insurers offer roadside assistance as an optional extra, and a few offer it free when you buy collision and comprehensive coverage. Washington has some of the worst roads in the country, ranking seventh worst with 31% of roads in poor conditions, according to a recent report by the American Society of Civil Engineers. With so much mountainous terrain and rural roads, it’s difficult for the state to maintain everything with current funding. Roadside help could come in handy for any Washington driver who’s experienced a fender bender, unseen pothole or black ice on a winter night.

Car insurance for high-risk drivers in Washington

If you can’t find cheap coverage or if you’ve been denied coverage because you’re a high-risk driver, you can get insured with the Western Association of Automobile Insurance Plans (WAAIP).

With WAAIP, you’ll be assigned an insurance provider, and any additional risk you pose to the insurance provider is mitigated by spreading it across the WAAIP network of insurance companies.

Can I get SR-22 insurance in Washington?

Yes, you can file an SR-22 insurance in Washington. An SR-22 is a document proving to the state that you meet all of the car insurance minimum requirements. You might need an SR-22 filing if you’ve gotten a DUI or if you’ve been caught driving without car insurance.

Bottom line

Car insurance can help to protect you, your vehicle and everyone else on the road if something ever goes wrong. And in the state of Washington, it’s a legal requirement to carry insurance for these reasons. The first step of comparing car insurance is understanding laws and regulations in your state to help you get the best value on your auto coverage.

Common questions about car insurance in Washington

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