How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Car Insurance in Washington (2024)

Updated on:
Content was accurate at the time of publication.

State Farm offers the cheapest car insurance policies in Washington for most drivers.

However, current and former military members might get a better deal with USAA, while some young drivers could pay less with Pemco.

Find the Cheapest Car Insurance Quotes in Your Area

State Farm has one of the cheapest rates for a full-coverage policy in Washington, at $1,038 a year. USAA is actually even cheaper, at $993 a year, but as mentioned, it’s only for military members and their families.

Full-coverage car insurance combines liability, collision and comprehensive coverage. Collision coverage is for damage to your car after an accident, comprehensive is for damages not related to an accident, such as a falling tree or vandalism.

Full-coverage car insurance policies in Washington average $1,534 a year.

Cheapest full-coverage car insurance companies

CompanyAnnual rate
USAA*$993
State Farm$1,038
Geico$1,209
Pemco$1,483
Allstate$1,709
American Family$1,776
Progressive$1,869
Farmers$2,193

*USAA is only offered to military members and veterans as well as their families

State Farm also offers the cheapest liability policy for most customers, at an average rate of $401 a year — although here, too, USAA is less expensive.

Liability car insurance covers only injuries and damage you cause to others in an accident. Liability car insurance policies in Washington average $651 a year, which is cheaper than the national average of $773 a year.

Cheapest liability-only car insurance companies

CompanyAnnual rate
USAA*$316
State Farm$401
Pemco$464
Geico$505
American Family$826
Progressive$849
Farmers$940
Allstate$909

Pemco offers cheaper average rates for 18-year-old drivers in Washington, compared to its major competitors — at $896 for a liability policy and $2,945 for a full-coverage policy.

Auto insurance for teens is usually much more expensive than for adults, due to the inexperience of young drivers.

Cheapest car insurance for 18-year-old drivers

CompanyLiability only policiesFull-coverage policies
Pemco$896 $2,945
State Farm$1,257 $2,987
USAA*$1,311 $3,657
Geico$1,500 $3,524
Progressive$2,393 $5,917
Allstate$3,210 $6,482
Farmers$3,415 $5,612
American Family$5,239 $10,921

State Farm offers the cheapest full-coverage policies for drivers with a speeding ticket or similar traffic violation on their record. Its average rate in this case is $1,133 a year.

Drivers with a speeding ticket are considered high-risk and, as such, pay significantly more than those with a clean record.

Cheapest full-coverage car insurance with a traffic ticket

CompanyAnnual rate
State Farm$1,133
USAA*$1,167
Geico$1,830
Pemco$1,850
Allstate$1,882
Progressive$2,487
American Family$2,566
Farmers$2,827

If you have an at-fault accident on your record, State Farm will likely be your best option in Washington state, at an average annual rate of $1,227.

In fact, the rates for State Farm and USAA, in this case, are actually cheaper than the average rate of a driver with a clean record.

Cheapest full-coverage car insurance with an accident

CompanyAnnual rate
State Farm$1,227
USAA*$1,368
Geico$1,996
Pemco$2,014
Allstate$2,431
American Family$2,672
Farmers$2,937
Progressive$3,091

Geico has the cheapest average rate for Washington drivers convicted of driving under the influence (DUI), at $1,880. This compares to the state average of $2,853 a year for motorists with a DUI.

Cheapest full-coverage car insurance with a DUI

CompanyAnnual rate
Geico$1,880
USAA*$2,084
Progressive$2,201
Allstate$2,270
Pemco$2,300
American Family$3,486
Farmers$3,505
State Farm$5,099

Among Washington’s largest cities, Bellingham offers the cheapest full-coverage rate ($1,310 a year on average), while Federal Way has the most expensive ($1,883 a year on average).

CityAnnual rate
Auburn$1,851
Bellingham$1,310
Bellevue$1,689
Everett$1,702
Federal Way$1,883
Kennewick$1,339
Kent$1,872
Kirkland$1,668
Marysville$1,607
Pasco$1,357
Redmond$1,674
Renton$1,853
Sammamish$1,671
Seattle$1,867
South Hill$1,757
Spokane$1,465
Spokane Valley$1,398
Tacoma$1,860
Vancouver$1,600
Yakima$1,389

Washington’s laws require drivers to have liability coverage with at least the following:

  • Minimum of $25,000 for injuries or death to another person
  • Minimum of $50,000 for all injuries or death in an accident
  • Minimum of $10,000 for damage to another person’s property

Liability car insurance policies only cover bodily injuries and property damage from a car accident you’re held responsible for.

You will not be covered for your own injuries and property damage with a liability-only policy.

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers.

Unless stated otherwise, we used thousands of car insurance quotes from across Washington for a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.

For full-coverage policies, the following coverage limits were used. Your rates may vary:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible