The best car insurance in Washington state comes from providers with high financial strength ratings and few complaints. According to Jerry’s editorial analysis, Geico is the best car insurance company in Washington overall. Here’s what to know about the best insurers in the state.
If you need cheap car insurance in Washington, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Washington overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico earns 5 stars from Jerry due to its superior financial strength rating and few customer complaints.
Washington drivers can customize their policies with coverages like Geico’s roadside assistance and rental reimbursement. Discounts are available for bundling policies and going five years with no accidents or points on your driving record. Full-time students with fewer than eight years of driving experience and at least a B average can also qualify for a discount.
Geico also offers a highly-rated mobile app where customers can manage their policy. App features include the ability to view ID cards, request roadside assistance, estimate vehicle repair costs and file and track claims.
Runner-up: Nationwide
Why it’s the best: Nationwide earns a 4.7 Jerry star rating due to its excellent financial strength rating and few customer complaints.
Washington drivers can get discounts for bundling policies, setting up automatic payments, going-accident free and insuring a vehicle with anti-theft devices. Discounts are also available for full-time students ages 16 to 24 with at least a B average and drivers 55 and older who take a state-approved defensive driving course. You’ll also get an immediate discount if you sign up for Nationwide’s telematics program, SmartRide, and may earn more savings if you practice safe driving habits.
You can manage your policy and file claims on Nationwide’s website or mobile app. If you prefer to get a policy in-person, Nationwide agents are available in several Washington cities, including Seattle, Spokane and Tacoma.
More of the best Washington insurers
Here are more top-rated insurers in Washington state.
Honorable mention: Pemco Insurance
While not yet rated by Jerry, Pemco Insurance was ranked No. 1 out of 11 insurers for overall customer satisfaction in the Northwest region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Washington drivers can customize their Pemco auto policies with rental reimbursement, roadside assistance, as well as coverage for custom equipment, pets and key replacement. Drivers insured by Pemco for at least five years without an accident won’t have their premium increased for their first accident or ticket.
Pemco stands out for its plethora of discounts available to Washington customers, including savings for:
- Bundling policies.
- Being a customer for at least one year.
- Buying a policy at least seven days before coverage starts.
- Driving less than 8,000 miles per year.
- Owning a home, mobile home or condo.
- Insuring a new vehicle no older than five model years.
- Paying your premium in full.
- Going paperless.
- Working for a school, college or university.
- Full-time students aged 16 to 24, with a GPA of 3.0 or higher.
- Students away at school without a car.
- Drivers 55 or older who take a certified defensive driving course.
- Being insured by Pemco on someone else’s policy and switching to your own Pemco auto policy.
- Enrolling in Pemco’s telematics program, Pemcodomoter, and practicing safe driving habits.
You can also get a discount off comprehensive and collision coverage if you lease your car.
Best full coverage car insurance in Washington
These are the best companies for full coverage in Washington.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Assurance America | $200 |
| Aspire Advantage | $208 |
| Progressive | $225 |
| Safeco | $232 |
| National General | $261 |
Best car insurance for teen drivers in Washington
Here are the best car insurance rates for teens in Washington.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Dairyland | $302 |
| Progressive | $346 |
| Bristol West | $362 |
| The General | $469 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Washington
Here are the best car insurance rates for young drivers in Washington.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| First Acceptance | $207 |
| Progressive | $243 |
| Safeco | $292 |
| National General | $314 |
| Dairyland | $327 |
Learn more: Car insurance for college students
Best car insurance for seniors in Washington
Here is the best car insurance for drivers over 65-years-old in Washington, based on quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $123 |
| Dairyland | $124 |
| The General | $144 |
| National General | $150 |
| Safeco | $156 |
Learn more: Car insurance for seniors
How to get the best car insurance in Washington
Follow these tips to find the best car insurance in Washington:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
