Best Auto Insurance Rates in Washington State

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Find Cheap Car Insurance in Washington State

Which company offers the cheapest car insurance in Washington? PEMCO Insurance, according to a QuoteWizard survey of the state’s providers.

Our data shows that Washington drivers pay an average of $556 per year for full-coverage car insurance if they buy it from PEMCO. They pay an average of $321 per year if they get the minimum amount of car insurance the state requires from this company.

These amounts are far below the state averages for such coverage. Based on our research, a typical driver in Washington spends $671 a year on state-minimum coverage and $1,115 a year on full coverage.

PEMCO isn’t the only company that provides affordable car insurance in Washington. USAA, GEICO, Eagle West and Chubb also offer the state’s drivers low rates, according to our data.

In this article, you will learn about:

What is the cheapest car insurance in Washington?

PEMCO offers the cheapest car insurance in Washington, based on rates we collected from the state’s providers for a typical driver.

PEMCO offers the cheapest minimum car insurance in Washington, with a $321 average annual premium. It offers the cheapest full-coverage car insurance in Washington, too, with a $556 average annual premium. Full coverage generally includes liability, collision and comprehensive car insurance protection.

cheapest minimum car insurance in washington

Several other companies also offer cheap state-minimum car insurance coverage in Washington. USAA is a prime example. It sent us quotes for minimum coverage that averaged $402 per year. The average quotes we received from Eagle West, Chubb and GEICO were $485, $489 and $490 per year, respectively.

All of those rate quotes are more than $180 per year less than what we found to be the Washington state average for minimum car insurance.

cheapest full-coverage car insurance in washington

USAA, GEICO, Eagle West and Chubb also sent our sample driver low rates for full-coverage car insurance. These quotes ranged from an average of $745 per year to $857 per year. That’s more than $250 below the Washington state average for this type of auto insurance coverage.

Based on the information above, Washington drivers looking to buy cheap car insurance should get quotes from PEMCO, GEICO, Eagle West and Chubb. (USAA, too, if you’re a member of the military or related to one.) You should also get car insurance quotes from other companies that serve the state. Several rate factors determine what you pay for auto coverage, including your age, your gender, where you live and the kind of vehicle you drive.

What are the best car insurance companies in Washington?

PEMCO, USAA, GEICO and Eagle West offer the best car insurance rates in Washington, according to our research of the state’s providers.

PEMCO: best car insurance rates in Washington

PEMCO is our choice for best rates overall because it offers Washington drivers the cheapest rates for both full-coverage and state-minimum car insurance.

PEMCO offered our sample driver an average rate quote of $321 per year for minimum coverage. That’s $350 per year, or $29 per month, less than the state average of $671 per year for this type of car insurance policy.

For full coverage, PEMCO offered our driver an average quote of $556 per year. This is $559 per year, or about $47 per month, less than the state average of $1,115 per year.

USAA: runner-up for cheapest rates in Washington

USAA is another great option for people looking for affordable auto insurance in Washington state.

The rate quote of $402 per year USAA sent our sample driver for state-minimum car insurance is $81 per year higher than the quote PEMCO sent us for the same kind of policy. That’s a difference of about $7 per month. Also, this amount is $269 per year, or around $22 per month, lower than the state average for minimum coverage.

USAA sent our sample driver a fairly low rate for full-coverage car insurance, too, at $745 per year. That’s $370 per year, or $31 per month, cheaper than the Washington state average for such coverage.

Eagle West: runner-up for cheap minimum coverage if you aren’t a member of the military

If you don’t qualify for USAA membership and, as a result, can’t buy car insurance there, Eagle West is another company to consider for state-minimum coverage.

The quote of $485 per year Eagle West, which is an affiliate of Capital Insurance Group, sent our sample driver is $83 per year higher than the quote USAA sent us. And it’s $186 per year lower than the state average.

Eagle West offered us a good rate for full coverage, too, at $836 per year. That’s $91 per year higher than the rate USAA offered — a difference of about $7.50 per month.

GEICO: runner-up for cheap full coverage if you’re not in the military

GEICO is a good second option for cheap full-coverage car insurance if you can’t get it from USAA. 

GEICO offered us an average annual premium of $799 for a full-coverage policy. This is just $54 per year more than the average annual premium USAA offered — a difference of $4.50 per month. Also, it is $316 per year, or $26 per month, less than the state average for such coverage.

Consider getting a quote from GEICO if you’re looking for cheap minimum coverage as well. The $490 average annual premium it offered our sample driver was only a few dollars more per year — pennies per month  — than the rates Eagle West and Chubb offered.

PEMCO is our pick for best car insurance company in Washington, but is it also the state’s most popular car insurance company? No, but it is in the top 10 thanks to the fact that it writes 5% of Washington state’s auto policies.

Company Washington market share
State Farm 16%
Liberty Mutual 11%
GEICO 11%
Progressive 10%
Allstate 10%
USAA 10%
Farmers 6%
PEMCO 5%
American Family 3%
The Hartford 2%
Source: S&P Global

USAA and GEICO, two of our other top picks, also are among Washington’s most popular auto insurance companies based on market share. GEICO is tied for second-largest provider of auto insurance in the state, writing 11% of policies. USAA writes 10% of the state’s auto policies, which puts it in a three-way tie for third place.

State Farm is the largest car insurance company in Washington state thanks to its 16% market share.

What are the car insurance requirements in Washington state?

Washingtonians must have one of the following if they drive a vehicle the state requires to be registered:

  • Motor vehicle insurance.
  • Certificate of deposit or liability bond for at least $60,000.
  • Self insurance.

To self-insure in Washington state, you need to own 26 or more vehicles.

If you decide to buy auto insurance to meet this requirement, your policy must have limits of at least:

  • $25,000 of coverage for the bodily injury or death of one person in any accident.
  • $50,000 of coverage for the bodily injury or death of two or more people in any accident.
  • $10,000 of coverage for the destruction of property in any one accident.

If you’re caught driving without car insurance in Washington, the state may penalize you in a few ways. It might fine you $550 or more, for starters. Also, if you cause an accident and you don’t have insurance, it could suspend your license.

SR-22 insurance in Washington

You may need to file an SR-22 in Washington if you have:

  • Driven or owned a vehicle involved in an accident.
  • Been convicted of or forfeited bail for certain offenses.
  • Failed to pay judgments.

An SR-22 form proves to the state that you’re able to pay for any damages you might cause while driving. Most people get car insurance to show proof of financial responsibility, but you also can get a:

  • Certificate of deposit issued by the Washington State Department of Licensing for at least $60,000.
  • Liability bond from a surety or bonding company authorized to do business in Washington for at least $60,000.

In most cases, you’ll need to file an SR-22 form with the state for three years from the date you're eligible to reinstate your license.

Methodology

We conducted a comprehensive study of car insurance rates in Washington through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male. He has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it 15,000 miles a year, on average. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.

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