Cheap Auto Insurance in Washington 2025 (Find Savings With These 10 Companies)
Cheap auto insurance in Washington starts at around $38 per month with Progressive, State Farm, and Nationwide offering the best rates. Progressive provides the lowest rates for most drivers, State Farm excels in customer service, and Nationwide offers strong coverage discounts. Affordable car insurance options vary based on your profile.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Feb 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
13,128 reviewsCompany Facts
Min. Coverage in Washington
A.M. Best Rating
Complaint Level
13,128 reviews
17,760 reviewsCompany Facts
Min. Coverage in Washington
A.M. Best Rating
Complaint Level
17,760 reviews
3,019 reviewsCompany Facts
Min. Coverage in Washington
A.M. Best Rating
Complaint Level
3,019 reviewsFor cheap auto insurance in Washington, Progressive is the best pick, offering the lowest rates for most drivers. State Farm stands out for customer service, while Nationwide has solid discounts that can even lower costs. Prices depend on factors like your driving history, but shopping around makes a big difference. The right policy saves you money without cutting coverage.
Looking for cheap auto insurance in Washington? The right company can help you save without cutting corners on coverage. We’ve compiled a list of the top 10 providers with the best rates, discounts, and customer perks, so you can find a plan that works for you.
Our Top 10 Company Picks: Cheap Auto Insurance in Washington
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $26 | A+ | Budget Shoppers | Progressive |
 | #2 | $30 | B | Customer Service | State Farm |
 | #3 | $31 | A+ | Policy Bundling | Nationwide |
 | #4 | $32 | A++ | Affordability Focus | Geico |
 | #5 | $35 | A++ | Safe Drivers | Travelers |
 | #6 | $40 | A | Family Discounts | American Family |
 | #7 | $41 | A | Custom Coverage | Liberty Mutual |
 | #8 | $44 | A | Reliable Agents | Farmers |
 | #9 | $50 | A+ | Comprehensive Plans | Allstate |
 | #10 | $52 | A+ | Claims Service | Erie |
Good insurance doesn’t have to cost a fortune. Take a few minutes to compare these top providers, get a quote, and see how much you can save.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- Find cheap auto insurance in Washington with rates around $38/month
- Get the best discounts and coverage options tailored to Washington drivers
- Progressive offers the lowest rates for most drivers, making it the top pick
#1 – Progressive – Best Overall for Cheap Rates
Pros
- Budget-Friendly Rates: Progressive keeps costs low, making cheap auto insurance in Washington easier to find.
- Multiple Discounts: Drivers can save with bundling, safe driving, and multi-car discounts.
- Snapshot Savings: Usage-based insurance rewards low-mileage and safe drivers with lower premiums.
Cons
- Rate Increases: Some drivers see higher renewal rates, even with a clean record.
- Limited Local Agents: Fewer in-person offices compared to other insurers in Washington.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – State Farm – Best for Customer Service
Pros
- Budget-Friendly Plans: State Farm keeps rates competitive, making cheap auto insurance in Washington more accessible.
- Personalized Support: With a strong network of local agents, you can easily get one-on-one help when needed.
- Significant Savings for Safe Drivers: Programs like Drive Safe & Save help responsible drivers lower premiums.
Cons
- Not Always the Cheapest for High-Risk Drivers: Your rates might not be the best if you have accidents or tickets.
- Basic Online Features: While the website and app do their job, they’re not as advanced as some competitors.
#3 – Nationwide – Best for Discounts
Pros
- Affordable Rates: Nationwide keeps costs low, making cheap auto insurance in Washington easier to find.
- Lower Deductible Over Time: Safe drivers can chip away at their explanation of deductible the longer they go without a claim.
- Easy Support Options: Whether you prefer local agents or online tools, getting help is straightforward.
Cons
- Not the Cheapest for Everyone: Rates can be higher for drivers with accidents or less-than-perfect credit.
- Limited Availability for Some Discounts: Not all savings programs are available in every part of Washington.
#4 – Geico – Best for Military and Government Employees
Pros
- Affordable for Many Drivers: Geico consistently offers some of Washington’s cheapest auto insurance rates.
- There are lots of Ways to save. Car Insurance Discounts for safe driving, good grades, military service, and more help lower costs.
- Hassle-Free Online Tools: Their website and mobile app make it easy to manage your policy anytime, anywhere.
Cons
- Few Local Agents: If you like in-person service, you might have trouble finding an agent nearby.
- Premiums Can Go Up: Even with a clean driving record, some policyholders see unexpected rate increases at renewal.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Travelers – Best for Safe Drivers
Pros
- Competitive Rates: Travelers offers budget-friendly options for cheap auto insurance in Washington.
- Accident Forgiveness Perk: Your first accident won’t automatically spike your premium if you qualify.
- Plenty of Discounts: Save with bundling, safe driving, hybrid vehicles, and more.
Cons
- Not Always the Cheapest: Some drivers may find better rates with other insurers, especially high-risk drivers.
- Limited Local Presence: Fewer in-person agents mean less face-to-face support compared to some competitors.
#6 – American Family – Best for Bundling Policies
Pros
- Affordable Coverage Options: American Family auto insurance keeps rates competitive, making cheap auto insurance in Washington easier to find.
- Great Bundle Savings: Big discounts for bundling auto insurance with home, renters, or life insurance.
- Know-Your-Agent Perk: A strong local presence means personalized service from agents who know your area.
Cons
- Not Always the Lowest Rates: Some drivers may find cheaper options with bigger nationwide insurers.
- Limited Online Features: The website and app work fine but aren’t as advanced as some competitors.
#7 – Liberty Mutual – Best for Customizable Coverage
Pros
- Flexible Coverage Options: Liberty Mutual offers budget-friendly plans for cheap auto insurance in Washington.
- RightTrack Rewards: Safe drivers can save money with their usage-based discount program.
- Plenty of Discounts: Get savings for bundling, good driving, multi-car policies, and more.
Cons
- Rates Can Be Pricey for Some: Not always the cheapest option, especially for high-risk drivers.
- Mixed Customer Service Reviews: Some policyholders report delays or issues with claims processing.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers – Best for Personalized Service
Pros
- Affordable Coverage Choices: Farmers auto insurance offers competitive pricing for cheap auto insurance in Washington.
- Strong Local Agent Network: Plenty of agents statewide provide in-person help when you need it.
- Good Discounts: Save with bundling, safe driving, and multi-vehicle policies.
Cons
- Not Always the Cheapest: Some drivers may find lower rates with other insurers.
- Limited Digital Experience: The website and app aren’t as smooth or feature-packed as some competitors.
#9 – Allstate – Best for Comprehensive Coverage
Pros
- Budget-Friendly Options: Allstate offers competitive rates for cheap auto insurance in Washington.
- Safe Driving Rewards: Programs like Drivewise help good drivers save even more.
- Plenty of Discounts: Get savings for bundling, good students, and accident-free driving.
Cons
- Rates Can Be High for Some: Not always the cheapest, especially for drivers with accidents or lower credit.
- Mixed Customer Service Reviews: Some drivers report issues with claims processing and rate increases.
#10 – Erie – Best for Customer Satisfaction
Pros
- Great Prices for Many Drivers: Erie auto insurance keeps rates low, making cheap auto insurance in Washington easier to find.
- Rate Lock Perk: Your premium stays the same unless you change your policy.
- Highly Rated Customer Service: Fast claims and friendly support keep customers happy.
Cons
- Not Available Everywhere: Coverage isn’t offered in all parts of Washington.
- Basic Online Tools: The website and app aren’t as advanced as some bigger insurers.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Washington Auto Insurance Rates by Provider
Car insurance prices in Washington can be all over the map. The right provider and coverage level can make a big difference in monthly pay. A quick comparison can help you snag a great deal without sacrificing coverage. Check out the table below to see how rates stack up.
Washington Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $50 | $114 |
| $40 | $91 |
| $52 | $85 |
| $44 | $102 |
| $32 | $75 |
| $41 | $92 |
| $31 | $70 |
| $26 | $60 |
| $30 | $69 |
| $35 | $81 |
Insurance rates change, but overpaying isn’t a requirement. A little comparison shopping can help you lock in a better price. Use this breakdown to find affordable coverage that works for you.
Progressive makes it easy to find cheap auto insurance in Washington with competitive rates and many ways to save. Discounts for bundling, safe driving, and low mileage help keep costs down. Some drivers see rate hikes at renewal, but with flexible coverage and easy-to-use online tools, it’s still an excellent option for budget-conscious drivers.
Auto Insurance Rates by Coverage Level in Washington
The level of coverage you choose can considerably increase or decrease your premium rates.
| Insurance Providers | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,340.56 | $3,529.25 | $3,751.75 |
| American Family | $3,514.54 | $3,708.11 | $3,916.41 |
| Farmers | $2,760.41 | $2,963.13 | $3,162.46 |
| Geico | $2,415.05 | $2,570.26 | $2,720.65 |
| Liberty Mutual | $3,755.57 | $4,001.80 | $4,226.82 |
| Nationwide | $2,015.38 | $2,129.08 | $2,245.06 |
| Progressive | $2,916.39 | $3,128.02 | $3,584.15 |
| State Farm | $2,334.70 | $2,510.27 | $2,654.36 |
| USAA | $2,119.91 | $2,260.74 | $2,405.82 |
Your car insurance premium isn’t set in stone—it depends on key factors. Your bad driving record plays a significant role. Fewer accidents and tickets? Lower rates. A history of fender benders? Expect to pay more. Where you live matters too.
City drivers usually face higher premiums because of heavier traffic and more theft risks. The type of car you drive is another factor. Lastly, your coverage choices affect the price. More coverage and lower deductibles mean higher premiums, while a bare-bones policy costs less.
Top Provider Discounts for Car Insurance in Washington
Why pay more for cheap car insurance if you could be saving? Many Washington providers offer discounts for safe driving, bundling, and more. A quick check with your insurer might help you lower your rate without the hassle.
Auto Insurance Discounts From the Top Providers in Washington
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Early Signing, Anti-Theft Device, New Car, Responsible Payer, Paperless, Good Student |
| Multi-Vehicle, Teen Driver, Good Student, Loyalty, Steer into Savings, Low Mileage, Defensive Driver |
| Safe Driver, Pay-in-Full, First Accident Forgiveness, Anti-Lock, Multi-Car, Young Driver, Age of Vehicle |
| Good Driver, Multi-Car, Affinity Group, Home-Insurance Bundling, Signal (Usage-Based), Alternative Fuel |
| Good Driver, Military, Multi-Policy, Federal Employee, Good Student, Emergency Deployment, Membership/Organization |
| Multi-Policy, Hybrid Vehicle, Good Student, Early Shopper, Alternative Energy, New Graduate, Homeowner |
| Defensive Driving, Paperless, Multi-Policy, Accident-Free, Family Plan, Good Student, Anti-Theft, SmartRide |
| Snapshot (Usage-Based), Multi-Policy, Teen Driver, Pay-in-Full, Homeowner, Continuous Insurance, Paperless |
| Good Student, Steer Clear, Drive Safe & Save, Multi-Policy, Anti-Theft, Safe Vehicle, Low Mileage |
| Safe Driver, Multi-Car, Continuous Insurance, New Car, Affinity Program, Homeownership, Hybrid Vehicle |
Don’t miss out on easy savings! See what discounts you qualify for and start paying less today.
Progressive makes saving easy with affordable rates, flexible coverage, and plenty of discounts for drivers.
Jeff Root Licensed Life Insurance Agent
Washington Insurance Rate Trends
Car insurance rates in Washington aren’t one-size-fits-all. What you pay depends on your driving record and where you live. Checking average rates can help you spot a good deal—or see if you’re overpaying.
Washington Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | High congestion in urban areas |
| Uninsured Drivers Rate | B | Slightly below national uninsured rate |
| Average Claim Size | B- | Above-average repair and medical costs |
| Weather-Related Risks | C+ | Frequent rain, occasional snow risk |
| Vehicle Theft Rate | C | High theft rates in cities |
Insurance rates can be everywhere, but that doesn’t mean you must settle for higher costs. Staying on top of trends, checking out different coverage options, and comparing providers can make a big difference. If your rates have increased, now’s the perfect time to shop around—you might find a much better deal.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the cheapest auto insurance in Washington?
It depends on your driving profile, but Progressive, GEICO, and State Farm often have some of the lowest rates.
How can I get cheap auto insurance in Washington?
Compare quotes, bundle policies, drive safely, and take advantage of discounts—small savings can add up.
What affects auto insurance rates in Washington?
Your pay impacts your age, driving history, location, credit score, and coverage choices.
Can I get cheap auto insurance in Washington with a bad driving record?
Yes, but your rates may be higher. To save money, look for insurers with accident forgiveness or safe-driving programs.
What discounts can help lower my auto insurance in Washington?
You can save with discounts for safe driving, bundling, good student status, military service, and low mileage.
Is auto insurance required in Washington?
Yes, Washington requires liability coverage of at least $25,000 per person and $50,000 per accident.
How much does auto insurance cost in Washington on average?
Washington drivers typically pay between $1,200 and $1,500 annually for full coverage, but rates vary.
Which company offers the best cheap auto insurance in Washington?
Progressive is great for affordable rates, flexible coverage, and plenty of discounts.
Start comparing total coverage auto insurance rates by entering your ZIP code below.
Is minimum coverage the cheapest option in Washington?
Yes, but it may not be enough. Full coverage costs more but provides better financial protection.
What are the best ways to lower my auto insurance costs in Washington?
Raise your deductible, improve your credit score, maintain continuous coverage, and compare quotes often.