Updated January 4, 2026

How to Find the Best Car Insurance in Washington

Washington cheapest insurance

How to Find the Best Car Insurance in Washington

Jerry works with 8 different insurance companies in the Evergreen State, and this year alone we’ve helped 16,180 Washington drivers get competitive quotes and switch their coverage.

We understand that every driver has different needs, and since we’ve helped thousands of WA drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage.

Here’s what we’ve noticed:

  • Progressive is the single most-chosen insurer among Jerry customers in Washington.

  • GEICO and National General come in second and third place, with about half of the total market share.

  • The rest of our customers are spread across strong carriers like Dairyland, The General, among others.

What this shows is that there’s no single “best” company for every driver. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Most popular insurers in Washington
InsurerShare of Jerry driversJerry customer rating
Progressive40%4.6
GEICO22%4.6
National General18%5.0
Dairyland9%4.8
The General9%4.5

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best Washington car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Washington drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

Select your driver type

Driver categoryMost popular in WA
Most driversProgressive, GEICO, National General
Homeowners who bundleProgressive, GEICO, National General
Budget-focused driversProgressive, GEICO, National General
Families with teen driversProgressive, Dairyland, National General
College studentsProgressive, National General, GEICO
Drivers with violationsProgressive, National General, GEICO
Military driversUSAA, GEICO, Armed Forces Insurance
Senior driversProgressive, GEICO, National General
Honda1

Jerry pulls up to 20 quotes from top rated carriers.

How Jerry helps Washington drivers find their best insurance

Jerry is different from quote-comparison sites that just rank by price. For Washington drivers, here’s what we actually do:

  • Use real data from 16,180 recent Washington quotes to best compare your coverage options.

  • Analyze 8 top insurers against our quality criteria and your specific needs.

  • Show you highly-rated options that balance coverage, claims and cost.

  • Explain why each option makes sense for your situation.

  • Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

  • Continue monitoring market rates so you always know when it’s time to shop for better pricing.

What does that mean for WA drivers? An average annual savings of $331 and a high satisfaction rate among drivers who switch with Jerry.

You don’t need to call a dozen agents or fill out form after form, either. Just answer a few quick questions below. In minutes, Jerry will have you on the way to your best coverage and rates.

Best car insurance for most WA drivers

Washington drivers havemany different insurance companies to choose from when shopping for coverage through Jerry. Because each carrier offers its own combination of coverages, features, benefits and pricing, customers can use Jerry to shop around in a personalized way, and find their own best balance of price and protection.

Here are some of the most recent quotes that drivers have received in the state:

Recent quotes in Washington

Last Updated Jan. 5, 2026

For most good drivers in Washington who want full coverage and strong claims support, three companies frequently come up as Jerry customer favorites: Progressive, GEICO and National General. Jerry can help you compare them (and others) side-by-side in just minutes. That way, you can see which one is the strongest fit and find the right policy for your exact combination of needs.

Here’s a look at what they each offer and why Jerry customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.6

Customer Rating

40%

of Jerry drivers in WA chose this insurer

Recent quotes for WA drivers

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

  • Why we recommend Progressive:

2. GEICO

4.6

Jerry Score

4.6

Customer Rating

22%

of Jerry drivers in WA chose this insurer

Recent quotes for WA drivers

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

  • Why we recommend GEICO:

3. National General

3.9

Jerry Score

5.0

Customer Rating

18%

of Jerry drivers in WA chose this insurer

Recent quotes for WA drivers

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

  • Why we recommend National General:
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Get WA quotes in as little as 2 minutes.

Best WA car insurance for bundling home and auto

Homeownership comes with enough surprises already. The right auto policy should do the opposite, providing financial protection for your household when accidents happen and bills get messy. That’s one reason many homeowners consider bundling auto and home insurance, which can simplify what you manage and open up discounts.

Even if you keep home and auto with different insurers, though, homeownership may still earn you benefits. Some carriers reward it with special discounts or higher coverage limits that better suit homeowner needs.

In Washington, Jerry sees most home-owning customers choosing Progressive, GEICO and National General for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

49%

of Jerry drivers in WA chose this insurer

Recent quotes for homeowners

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

  • Why we recommend Progressive:

2. GEICO

4.6

Jerry Score

4.7

Customer Rating

18%

of Jerry drivers in WA chose this insurer

Recent quotes for homeowners

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

  • Why we recommend GEICO:

3. National General

3.9

Jerry Score

4.8

Customer Rating

12%

of Jerry drivers in WA chose this insurer

Recent quotes for homeowners

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

  • Why we recommend National General:
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Jerry helps you bundle home and auto for less in just minutes.

Best value for budget-focused WA drivers

If you’re trying to keep your monthly payment in check without watering down your coverage, carrier choice matters a lot more than most people think. In Washington, our data show that Progressive, GEICO and National General often deliver the strongest value for for drivers who want solid protection at a manageable price. That’s not always the absolute cheapest insurance in Washington. It’s the best balance of cost and coverage.

Over the past 12 months, Jerry has helped 3,087 Washington drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

57%

of Jerry drivers in WA chose this insurer

Recent price-friendly quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

  • Why we recommend Progressive:

2. GEICO

4.6

Jerry Score

4.7

Customer Rating

14%

of Jerry drivers in WA chose this insurer

Recent price-friendly quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

  • Why we recommend GEICO:

3. National General

3.9

Jerry Score

4.7

Customer Rating

12%

of Jerry drivers in WA chose this insurer

Recent price-friendly quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

  • Why we recommend National General:
CTA1 1

Jerry helps you save on car insurance fast.

Best car insurance for WA families with teen drivers

The day your teen gets their license is exciting. The first insurance bill after that? A bit less so.

In Washington, adding a teen driver to your policy can push premiums up quickly, and the increase often catches families off guard because it doesn’t always reflect your own history as a safe driver. But you can help mitigate this increase by shopping around and comparing all of your coverage options.

Jerry has helped WA families with teen drivers save an average of annually, most often with Progressive, Dairyland and National General.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

31%

of Jerry drivers in WA chose this insurer

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend Progressive:

2. Dairyland

3.9

Jerry Score

4.5

Customer Rating

28%

of Jerry drivers in WA chose this insurer

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend Dairyland:

3. National General

3.9

Jerry Score

4.7

Customer Rating

27%

of Jerry drivers in WA chose this insurer

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend National General:
JERRY EXPERT INSIGHT
The way your teen will use their coverage is different than the way you use it. For example, teen claims tend to be smaller and more frequent, so choose deductibles you can actually pay if and when something happens.
Carlos Lopez
Carlos Lopez
General Lines Agent (Nevada Property & Casualty)

Best car insurance for WA college students

College can turn a “set it and forget it” policy into a moving target. A driver might change addresses, drive fewer miles, or keep a car on campus for part of the year and at home for the rest. If your policy doesn’t keep up, you can end up overpaying, underprotected or both.

Jerry has helped 2,218 college students in Washington find affordable coverage that still protects them whether they’re on or off campus, driving home for the summer or something in between. Progressive, National General and GEICO are the top choices for Jerry college students in this state. Here’s what each carrier offers and why it stands out.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

45%

of Jerry drivers in WA chose this insurer

Recent college driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend Progressive:

2. National General

3.9

Jerry Score

4.7

Customer Rating

19%

of Jerry drivers in WA chose this insurer

Recent college driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend National General:

3. GEICO

4.6

Jerry Score

4.6

Customer Rating

19%

of Jerry drivers in WA chose this insurer

Recent college driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

  • Why we recommend GEICO:
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Fast track your WA insurance with Jerry.

Best WA car insurance for drivers with violations

One mistake on the road can change your insurance pricing for years. Tickets, at-fault accidents and DUIs often trigger “high-risk” rates and can narrow the list of carriers willing to write your policy. Still, you have options, and you don’t have to overpay just because your record isn’t spotless.

Jerry has helped 1,162 Washington drivers with violations find coverage this past year at affordable prices. We also monitor rates and flag the right time to shop again once those violations age out, so you can potentially save even more.

In fact, many Jerry drivers with violations end up with Progressive, National General and GEICO — carriers that are often more flexible with Washington drivers who have violations on their record.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

39%

of Jerry drivers in WA chose this insurer

Recent quotes post-violation

Last Updated Jan. 5, 2026

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

  • Why we recommend Progressive:

2. National General

3.9

Jerry Score

4.8

Customer Rating

25%

of Jerry drivers in WA chose this insurer

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

  • Why we recommend National General:

3. GEICO

4.6

Jerry Score

4.7

Customer Rating

14%

of Jerry drivers in WA chose this insurer

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

  • Why we recommend GEICO:
JERRY EXPERT INSIGHT
Violations can raise rates, but consistency helps. A clean stretch and continuous coverage can matter as much as the incident itself.
Mitchell Mccray
Mitchell Mccray
General Lines Agent (Georgia Property & Casualty)

Car insurance options for WA military families

Whether you’re active-duty, reserve, guard or veteran, military life shapes how you drive, where you keep your car and how often you move. Jerry has helped Washington military families find coverage that can keep up with deployments, PCS moves and everything in between.

If you qualify for military-focused insurers, they should always be on your shortlist. At the same time, many standard insurers offer solid military discounts and flexible policies that Jerry can quote and compare for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

Some companies are built specifically for military members and their families. These include USAA, Navy Federal, Armed Forces Insurance and similar providers.
If you’re eligible, they at least belong on your short list. That’s because they’re designed around deployments, PCS orders and frequent moves. These insurers often have storage or reduced-use options when your car sits on base or at home during deployment. Additionally, their customer service teams understand military pay, orders and timelines in a way civilian-focused insurers sometimes don’t.

Because of how these insurers work, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the smart move is to:
1. Use Jerry to see how strong your options are with standard insurers, then
2. Get a direct quote from one or more military-only insurers and compare.

That way, you’re not guessing. You’re stacking their offer against real, competitive market pricing.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Even if you qualify for military-only insurers, it’s worth looking at national carriers that offer military discounts, manage deployments and multi-state moves well and are fully integrated with Jerry’s quoting and switching flow.

For many WA military families, GEICO, State Farm and Progressive are often part of the comparison.

1. GEICO

Best for: Discounts and practical flexibility during deployments

Why it often works well for service members:

  • Military discounts and ways to adjust coverage when you deploy or drive less.

  • 24/7 support that holds up across time zones, including OCONUS.

  • App-based policy access for proof of insurance, claims and quick changes.

2. State Farm

Best for: PCS continuity and local agent support

Why it often works well:

  • One of the largest agent networks, useful if you move often.

  • Agents in many base-adjacent communities.

  • Bundling that stays simple when you add home or condo coverage.

3. Progressive

Best for: Households that need fast updates

Why it can be a good fit:

  • Strong pricing across many scenarios, including frequent movers.

  • Digital tools for updating garaging address, mileage and policy details.

  • Add-ons like rental and roadside for coverage that travels better.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Washington.

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Get personalized car insurance rates now.

Best car insurance for senior drivers in Washington

For many Washington drivers over 65, the best policy is the one that feels boring in the best way: it works, it’s clear, and it’s backed by a carrier that’s easy to deal with. Jerry recommends Progressive, GEICO and National General for seniors who care about service, stability and long-term value.

In the last 12 months, we’ve helped 794 Washington seniors find coverage that aligns with how they drive now and the protection they want.

1. Progressive

4.6

Jerry Score

4.8

Customer Rating

52%

of Jerry drivers in WA chose this insurer

Recent senior driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

  • Why we recommend Progressive:

2. GEICO

4.6

Jerry Score

4.5

Customer Rating

19%

of Jerry drivers in WA chose this insurer

Recent senior driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

  • Why we recommend GEICO:

3. National General

3.9

Jerry Score

5.0

Customer Rating

13%

of Jerry drivers in WA chose this insurer

Recent senior driver quotes

Last Updated Jan. 5, 2026

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

  • Why we recommend National General:
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See coverage options for your car.

How Jerry picks the best insurers in Washington

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Washington driver data, this score evaluates insurers on:

Customer satisfaction

What customers say after they’ve filed a claim or made changes, not just when they first buy.

Value for your money

The best balance of price and protection, not just the lowest premium on the page.

Claims experience

How quickly and fairly claims get paid, especially after real crashes and storm damage.

Financial strength

Whether the company has the backing to pay out when major events hit.

Quality of coverage

How easy it is to get high liability limits, comprehensive and collision, and useful add-ons like rental reimbursement and roadside.

Product availability

Where coverage is offered, the protections available and what sort of add-ons customers can choose from to truly customize their policy.

What does all of this mean for you? Jerry options are tailored to how you actually drive and what you own, so you can make the best possible and most informed decision when shopping for coverage in Washington.

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Drivers who switch with Jerry save an average of $54/mo on car insurance.

Expert-driven. Built for you.
Our experts
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Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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