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Best & Cheapest Washington Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4567 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16836 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2056 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7130 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
144 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.54 ★★★★★
239 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

Insurance is an important investment in anyone’s lives and when buying car insurance in Washington, you want to make sure you choose the right company. Clearsurance reviews are from unbiased customers like you, sharing their experiences with others. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Washington. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Washington car insurance companies.

In the table above, you can sort through all the Washington car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Washington car insurance rankings.

Interested in learning more about one of these Washington car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Washington?

Car insurance for teen drivers can be expensive because of the lack of driving experience. For teens in Washington state, the cheapest car insurance rates can be found from PEMCO. In the table below, you can find average Washington teen car insurance rates for male and female drivers. The average premiums are listed for the five largest car insurance companies in Washington.

Company Female teen rates Male teen rates
Allstate Insurance $2,443 $2,965
Farmers Insurance Group $2,472 $2,848
PEMCO Mutual Insurance Company $1,013 $1,060
Safeco Insurance $2,522 $2,632
State Farm Insurance Company $1,165 $1,250

These rates are based on profiles for 18-year-old male and female drivers in Washington. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Washington?

Out of the five largest companies in Washington, PEMCO offers the cheapest car insurance rates for married couples in Washington on average.

Company Married couple rates
Allstate Insurance $1,727
Farmers Insurance Group $1,690
PEMCO Mutual Insurance Company $941
Safeco Insurance $2,011
State Farm Insurance Company $1,687

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Washington?

State Farm provides the cheapest car insurance rates for male and female senior drivers in Washington on average when compared with the other largest auto insurers in the state.

Company Female senior rates Male senior rates
Allstate Insurance $1,029 $1,083
Farmers Insurance Group $856 $1,009
PEMCO Mutual Insurance Company $744 $804
Safeco Insurance $891 $1,062
State Farm Insurance Company $724 $724

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Washington for car insurance

Since different areas of Washington state have higher risks of crime rate or car accidents, car insurance rates vary by location. The cheapest area in Washington for car insurance on average is Port Townsend. The table below displays the top 10 cheapest areas in Washington for car insurance based on average rates for a single adult.

Area Car insurance rates
Port Townsend $921
Sequim $923
Oak Harbor $938
Anacortes $939
Clallam Bay $941
Port Angeles $941
Friday Harbor $942
Port Hadlock $943
Eastsound $943
Forks $944

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Washington for car insurance

On average, the most expensive area for car insurance in Washington is Seattle. The table below displays the top 10 most expensive areas in Washington for car insurance based on average rates for a single adult.

Area Car insurance rates
Seattle $1,383
Federal Way $1,383
Spanaway $1,378
Tacoma $1,375
Kent $1,371
Auburn $1,370
Pacific $1,358
Seahurst $1,355
Milton $1,354
Renton $1,352

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Washington will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Washington

Washington’s car insurance requirements are straightforward: drivers are required to buy liability insurance. This will help protect you from any damage you cause, or any injuries to another driver or their passengers in an at-fault accident. But liability insurance will not protect you or your vehicle in an accident that you cause. You also wouldn’t have protection if you’re in an accident with another driver who doesn’t have insurance or is underinsured.

That’s why Washington drivers would be wise to consider some optional coverages available in the state. The two most common coverages are collision insurance and comprehensive insurance, which will help protect your vehicle in accidents, and from the things like fire, hail and theft.

Additionally, auto insurance companies in Washington are required to offer you personal injury protection (PIP), which will pay for things like your medical expenses and lost income resulting from an accident, regardless of fault. If you don’t want PIP coverage, you must reject it in writing.

The minimum liability limits in Washington, which are outlined below, are enough to make sure that you are a legal driver. These limits are low, however, and you should strongly consider purchasing higher limits to ensure you have enough protection in the event of a costly accident.

Washington state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

How car insurance rates are calculated in Washington

When searching and comparing quotes from the best auto insurance companies in Washington, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Washington

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Washington car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Washington

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.