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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers. Updated Nov 07, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
If you live in Washington State, you might consider the state's frequent rain and dense fog when it comes to choosing a car insurance policy. From there, whether you're looking for the most affordable coverage, variety of add-on coverage or something else entirely, Bankrate's extensive research on the top carriers in the state may provide valuable insights for your search. Our insurance editorial team reviewed average rates, coverage options, third-party ratings and more to help you find the best car insurance in Washington for your needs. Key takeaways Average rates for full coverage car insurance in Washington state are significantly lower than California. Travelers and Oregon Mutual offer some of the cheapest average rates in Washington for full and minimum coverage car insurance. RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Washington
Bankrate's insurance editorial team started the search for the in Washington by analyzing dozens of carriers available in the state. We reviewed from Quadrant Information Services for minimum and full coverage and compared coverage options. Third-party ratings from agencies like for customer satisfaction and AM Best for financial strength, mobile app accessibility and more were also factored in to calculate a company's overall Bankrate Score. The better a company scored in each of these categories, the higher its overall score for a maximum score of 5.0 out of 5.0 points. As you learn more about the insurance carriers below, this Bankrate Score may help give a high-level summary of how each insurer compares to another.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Washington
According to our research, Geico, Travelers and Oregon Mutual are among the best auto insurance companies in Washington. All have average premiums which come below or near the average cost of car insurance in Washington, which is $1,313 per year for full coverage and $482 per year for minimum coverage, according to rates obtained from Quadrant Information Services. If you're looking for the best Washington car insurance companies, you might want to start with these carriers: Car insurance company Bankrate Score J.D. Power score (Northwest region) Average annual full coverage premium Average annual minimum coverage premium 4.7 832/1,000 $1,162 $429 4.7 Not rated $889 $333 4.6 Not rated $908 $355 Capital 4.6 Not rated $1,023 $494 3.8 802/1,000 $1,151 $641 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Geico is known for affordable coverage, and in Washington, an average annual full coverage premium of $1,162 makes the carrier cheaper than the state average of $1,313 for full coverage. The company offers plenty of potential discounts to help you save even more, including savings for federal employees, good students and safe drivers. Geico's 2022 J.D. Power customer satisfaction score is lower than average for this region, which may indicate that policyholders aren't generally satisfied with the company's service. Pros and cons CheckmarkPros Relatively affordable premiums for both full and minimum coverage car insurance Long list of discounts for professionals and organization members Close XCons Low 2022 J.D. Power customer satisfaction score Few local agents available Compare rates by city Washington city Geico full coverage premium Geico minimum coverage premium Bellevue $1,204 $477 Everett $1,179 $470 Seattle $1,221 $472 Tacoma $1,320 $538 Vancouver $1,234 $480 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Washington drivers who are prioritizing cost may want to consider Travelers car insurance first. Of all the carriers on our list, it ranks as one of the most affordable, based on average premiums in the state. For an additional fee, drivers who want to customize their car insurance policy might want to consider Travelers car insurance. The carrier offers extensive add-on options, such as accident forgiveness, decreasing deductible, premier new car replacement and even gap and rideshare coverage. However, the company did not rank in J.D. Power's 2022 survey for customer satisfaction in the Northwest region, and did not perform well in its national survey either. Pros and cons CheckmarkPros Many supplemental coverage options to choose from to personalize auto insurance policy Considerably low average rates for full and minimum coverage Close XCons Not rated by J.D. Power for customer satisfaction in the Northwest region Compare rates by city Washington city Travelers full coverage premium Travelers minimum coverage premium Bellevue $981 $376 Everett $929 $367 Seattle $1,014 $380 Tacoma $946 $366 Vancouver $860 $336 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Oregon Mutual is a regional car insurance carrier servicing the states of California, Idaho, Oregon and Washington. Washington drivers who want to work with a local agent will be assured to know that Oregon Mutual is sold through a network of independent agents, so the opportunity to get personal service may be available. A number of unique discount opportunities, like affinity group and legacy discount for children of policyholders, may also be available. Unfortunately, Oregon Mutual did not rank in J.D. Power's national and regional studies on customer service. Pros and cons CheckmarkPros Affordable car insurance premiums compared to Washington's state average Array of discounts available for further savings Close XCons Not rated by J.D. Power for customer satisfaction in the Northwest region and nationally No policy management can be done through its mobile app Compare rates by city Washington city Oregon Mutual full coverage premium Oregon Mutual minimum coverage premium Bellevue $992 $394 Everett $973 $413 Seattle $1,003 $406 Tacoma $1,060 $438 Vancouver $906 $365 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Capital Insurance is another regional car insurance carrier with a smaller footprint compared to national carriers. A unique feature of the company is its auto glass repair, which allows for technicians to come to an insured's home to fix any covered claims. Families with teen drivers may also earn a good student discount for maintaining a high GPA. Compared to other carriers, there is limited information regarding Capital's customer service, as it did not rank in J.D. Power's 2022 survey. Pros and cons CheckmarkPros Mobile app available for policy payment and claims filing Discounts available to help reduce premium Close XCons Not rated in J.D. Power's 2022 U.S. Insurance Digital Experience Study Complaints not recorded in NAIC's Customer Complaint Index Compare rates by city Washington city Capital full coverage premium Capital minimum coverage premium Bellevue $1,087 $511 Everett $1,127 $583 Seattle $1,128 $555 Tacoma $1,176 $591 Vancouver $1,053 $530 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: - Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Although Farmers is a national carrier, it offers a wide range of optional coverage most commonly seen at smaller insurers. This includes customized equipment coverage for drivers who have added aftermarket parts or further customizations to their cars, accident forgiveness and full windshield and glass coverage. A drawback of the carrier is that its average rates may be higher than other carriers, so may not be within every driver's budget. Pros and cons CheckmarkPros Mobile app availability for policy retrieval and claims filing Unique additional coverage options Close XCons Earned a high number of complaints on NAIC's Company Complaint Index compared to the expected average Average carrier rates are relatively high compared to other car insurance carriers on this list Compare rates by city Washington city Farmers full coverage premium Farmers minimum coverage premium Bellevue $1,162 $655 Everett $1,270 $744 Seattle $1,390 $803 Tacoma $1,334 $761 Vancouver $1,119 $663 Answer a few questions to see personalized rates from top carriers. Average car insurance cost in Washington
The costs $482 per year for minimum coverage and $1,313 per year for full coverage, according to 2022 rate data obtained from Quadrant Information Services. Washington drivers pay less than the national annual average of $545 and $1,771 for minimum and full coverage, respectively. When compared to , Washington drivers typically have fairly affordable rates. Oregon drivers pay $1,371 per year for full coverage, on average, while California drivers pay an average of $2,190 annually. The difference in rates could be attributed in part to the population of each state and number of drivers, as well as an increased cost of living in California compared to Washington and Oregon. Average annual premium for minimum coverage in Washington Average annual premium for full coverage in Washington $482 $1,313
Washington city Average annual premium for full coverage Average annual premium for minimum coverage Bellevue $1,347 $516 Everett $1,355 $531 Kent $1,491 $588 Seattle $1,511 $583 Tacoma $1,522 $595 Vancouver $1,313 $499 How to find the best car insurance in Washington
Finding the best car insurance for your situation may take a bit of research, but you can make the process easier by knowing how to evaluate your needs. The best auto insurance in Washington for you will likely be one that meets your needs while also remaining within your budget. Bankrate's analysis may help you feel empowered to find the right company and coverage for your needs. Consider minimum insurance requirements in Washington
Like most states, require drivers to carry at least minimum levels of certain coverage types. If you live in the Evergreen State, you must purchase at least the of bodily injury liability coverage and property damage liability coverage to drive legally. Insurance companies must also offer you underinsured motorist coverage and , although these may be declined in writing. Minimum coverage is often the cheapest option to purchase, but it could leave you with high out-of-pocket costs if you are deemed at fault for an accident and the damages exceed your insurance limits. Most insurance agents recommend that you purchase higher liability limits if you can afford to. Additionally, minimum coverage doesn't give you any coverage for damage to your own vehicle. For that, you'd likely need to purchase comprehensive coverage and collision coverage. This is commonly called "full coverage." Consider lender requirements
If you finance your vehicle with a loan or lease, you'll likely have to purchase as a requirement of your loan. This type of policy commonly adds comprehensive coverage and collision coverage which should provide you with financial protection against damage to your vehicle in case of a covered event. You might also want to consider , which is designed to pay for the difference between the cash value of your vehicle and the financed amount if your vehicle is totaled or stolen and not recoverable. Finally, if you lease your car, you should know that lessors often require certain minimum liability limits that are in excess of the state minimum. Consider your individual needs
Drivers may also evaluate their car insurance needs based on their individual circumstances. Understanding what you need from your policy could help you choose a company and coverage options. For example, if you have a to insure, you might want to look for a company that offers several young driver discounts that could help lower your policy costs. If you're a who has accidents, or a DUI conviction on your record, you might need to research options. Getting a sense of what your specific situation calls for could help you narrow down your options when shopping for coverage. Car insurance discounts in Washington
Most major car insurance companies offer discounts to help drivers . Taking the time to find savings opportunities that you qualify for could save you money on your premium. Some in Washington include: Young driver discounts: Car insurance for young drivers may be expensive, so finding the is important for many families. Teens who go to school full time and earn good grades might qualify for good student discounts. If your child is away at school without a vehicle, you might also qualify for a distant student discount. Safe driver discounts: If you don't have any accidents or tickets on your record in the last three to five years, you might be eligible for a safe driver or claims-free discount. If you're a safe driver, you could also consider participating in a . These programs track your driving via a mobile app or plug-in device and could earn you a discount based on your driving habits. Other discounts: with the same company often results in a discount on your vehicle policy. If you can afford to pay your premium in full, you might earn a paid-in-full discount. Finally, if you are a federal employee, military member or member of another qualifying profession, some companies may offer you savings. Other discount opportunities include a low mileage discount and a discount earned for taking a driver safety course. Each car insurance company offers a unique set of discounts. Talking with an agent or researching discounts online is usually an effective way to determine what savings you qualify for. Frequently asked questions
The cost of car insurance in Washington will vary by driver. However, the average cost of car insurance is $1,313 per year for full coverage and $482 for minimum coverage. Your car insurance could be higher or lower than these figures depending on a variety of personal factors. These may include your driving history, type of vehicle you drive and annual mileage.
Each Washington driver will need to determine the best company for them based on their unique situation. Depending on your needs and wants, you might be looking for a provider that offers certain optional coverage types, a digital app or highly-rated customer service, for example. Making a list of your insurance policy priorities and needs may help you find the carriers that best fit your circumstances.
Just like the best car insurance, the will likely be different based on the driver. Bankrate found that Travelers, Oregon Mutual and Capital offer some of the lowest average rates in the state, but your rates could vary based on your personal rating factors. To find the lowest premium for your coverage, many insurance professionals recommend getting quotes from several different carriers so that you can compare the prices.
Yes, drivers in Washington state are required to carry a minimum amount of liability insurance. Drivers must be offered underinsured motorist coverage, which includes uninsured and underinsured motorist coverage, as well as personal injury protection, but it can be declined in writing. Depending on a driver's situation, they may be able to use self-insurance, certificates of deposit or liability bonds to satisfy the insurance requirement. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.