Cheap Car Insurance in Washington

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Finding cheap car insurance in Washington

If you're looking for cheap car insurance in Washington, we can help. We've compiled average premiums by company and city in the state so you can see how prices compare. 

You can potentially save hundreds of dollars a year by comparison shopping. That's because premiums for the exact same coverage can vary so much among companies. We looked at premiums reported by EverQuote users in Washington for large insurance companies. The rates below reflect one driver with a clean record and insuring one vehicle.

(click to see review)
Average monthly premium
The Hartford $94
American Family Insurance $113
State Farm $116
PEMCO Insurance $116
Safeco $118
Geico $122
USAA $123
Nationwide Insurance $125.50
Allstate $127
Farmers Insurance $131.50
Liberty Mutual $134
Progressive $134
Source: EverQuote. See full methodology below.

Shopping around is a good way to save money, especially if your driving record has changed recently. The cheapest car insurance companies in Washington for you when you have a good driving record might not be the cheapest if you have moving violations, claims or accidents on your record.

Recent auto insurance rate changes approved by Washington

Even if you have a good driving record, you could get notice of a car insurance rate increase at renewal time.

Auto insurance rate increases have been common in recent years. Auto insurers often point to a rise in car accidents, higher car-repair costs and higher medical bills as reasons for rate hikes.

Auto insurance companies must file proposed rate increases and decreases with the state. Below are rate changes recently approved by the Washington department of insurance. These rate changes may not affect all customers in the state. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates below indicate when the rate change will start rolling out.

Company Effective date Rate change %
New South Insurance Co. 6/6/18 5.200
GEICO Advantage Insurance Co. 5/24/18 3.100
GEICO Secure Insurance Co. 5/24/18 2.200
GEICO Choice Insurance Co. 5/24/18 1.400
Integon Preferred Insurance Co. 5/24/18 5.000
Federal Insurance Co.,

Great Northern Insurance Co.,

Pacific Indemnity Co.,

Vigilant Insurance Co.

5/21/18 5.000
Horace Mann Insurance Co.,

Horace Mann Property and Casualty Insurance Co.,

Teachers Insurance Co.

5/16/18 9.500
Austin Mutual Insurance Co. 4/1/18 15.100
Mutual of Enumclaw Insurance Co. 3/31/18 3.000
Sentinel Insurance Co. 3/29/18 4.500
Lyndon Southern Insurance Co. 3/15/18 8.900
Stillwater Property and Casualty Insurance Co. 3/2/18 11.400
Esurance Insurance Co. 2/21/18 3.500
American Commerce Insurance Co. 2/19/18 8.600
The Standard Fire Insurance Co. 2/18/18 0.600
Financial Indemnity Co. 2/8/18 7.200
Alpha Property & Casualty Insurance Co. 2/8/18 3.400
Coast National Insurance Co. 2/8/18 3.951
Source: S&P Global Market Intelligence

Washington car insurance rates after accidents & speeding tickets

Tickets, insurance claims and accidents can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Washington who had an accident or speeding ticket on their records compared to those with clean records. Here are the average rate increases.

On driving record Average monthly premium difference vs. clean record in Washington
Speeding ticket 37%
Accident 33%
Source: EverQuote. See full methodology below.

But just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here's a look at how much Washington drivers are speeding and using their phones while driving.

Washington car insurance rates by city

We also analyzed Washington car insurance rates reported by EverQuote users in various cities. Drivers in Olympia reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Olympia $114.50
Bellevue $115
Vancouver $118
Spokane $119
Everett $124
Seattle $128
Puyallup $129
Federal Way $130
Lynnwood $130
Renton $131
Auburn $133
Tacoma $137
Kent $137
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Washington

You'll often get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Other ways to save generally include:

  • Ask your auto insurance agent to review the possible auto insurance discounts. Make sure you're getting all the savings you're entitled to.
  • Find out how much you can save by increasing the deductible on comprehensive and collision insurance, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated June 21, 2018

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