Best Auto Insurance Rates in Washington State

On average, your neighbors pay $93 a month.

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Best Car Insurance in Washington State for 2022

PEMCO, State Farm and GEICO offer the best car insurance rates in Washington, according to QuoteWizard research. USAA also offers some of the cheapest car insurance rates to drivers in the Evergreen State, if you qualify for coverage.

All four companies offer car insurance rates that are well below the state averages of $93 a month for minimum coverage and $150 a month for full coverage.

In this article, we’ll cover:

Where can I get cheap car insurance in Washington state?

PEMCO is the best source of cheap car insurance in Washington state for both minimum coverage and full coverage, based on our data. Full-coverage car insurance policies usually include liability, collision and comprehensive coverages.

PEMCO’s average rate for minimum-coverage car insurance is $45 a month. Its average rate for full-coverage car insurance is $81. Both rates are far cheaper than the state averages for such policies.

State Farm, GEICO and USAA also offer cheap auto insurance to Washington drivers, as the graphs below show.

 
 

What are the best auto insurance companies in Washington state?

PEMCO, State Farm and USAA are the best car insurance companies in Washington state, according to our research. Here’s why.

PEMCO: Cheapest car insurance rates

PEMCO is the best company for cheap car insurance rates in Washington, based on our data. It offers the best rates for minimum-coverage car insurance in the state at $45 a month, as well as the best rates for full-coverage car insurance at $81 a month.

We also found that it offers some of the cheapest car insurance rates in Washington state if you have incidents like speeding tickets, accidents or DUIs on your driving record. Only State Farm offered cheaper rates for Washington drivers with spotty records.

State Farm: Best for drivers with tickets, accidents or DUIs

State Farm is the best auto insurance company in Washington state for drivers with speeding tickets, accidents or DUIs on their records.

For example, the average rate of $100 a month State Farm offered our sample driver with an accident on their record was the cheapest of all the companies we surveyed in Washington.

Cost of car insurance in Washington after an accident
Company Average monthly rate
State Farm $100
PEMCO $103
USAA $134
GEICO $139
Washington state average $215
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The average rate of $92 a month State Farm offered our sample driver with a DUI was the cheapest of the companies we surveyed, too.

Cost of car insurance in Washington after a DUI
Company Average monthly rate
State Farm $92
PEMCO $122
Progressive $197
USAA $204
Washington state average $239
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA: Best for military members and family

USAA doesn’t offer the absolute cheapest car insurance rates in Washington, but it does offer rates that are among the cheapest in the state. Combine that with the other benefits that come with being a USAA member and it’s easy to understand why this company is the best for members of the military and their families no matter where you live.

USAA’s average monthly rate for minimum-coverage car insurance is $52. That’s just $7 a month more than what State Farm offers, and $41 a month less than the state average. USAA’s average rate for full-coverage car insurance is $98 a month, which is $52 less than the state average.

Get your best rate for car insurance in Washington state

How much is car insurance in Washington state?

Car insurance in Washington costs $93 a month, on average, if you buy the minimum amount of coverage the state requires.

Full-coverage car insurance costs an average of $150 a month in Washington state, according to our research.

Keep in mind that what you pay for car insurance in Washington or any other state varies based on several rate factors, including:

  • The make, model and year of your vehicle
  • Your driving history
  • Your car insurance claims history
  • Your policy’s coverage and deductible choices

What are the car insurance requirements in Washington state?

Washington state requires all drivers to have one of the following:

  • Car insurance with at least 25/50/10 liability limits
  • A certificate of deposit to pay for liability insurance with the Department of Licensing
  • A liability bond of at least $60,000
  • Self-insurance

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

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

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 can pay for 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

QuoteWizard conducted a comprehensive study of Washington's car insurance rates utilizing Quadrant Information Services. Unless otherwise stated, the quotes analyzed were for a single, 30-year-old male with a clean driving record. He operates a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.

When discussing a full-coverage car insurance policy, the driver had the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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