Geico is the best car insurance company in Washington, according to Jerry’s analysis.
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Best car insurance in Washington overall: Geico
Runner-up: Nationwide
More of the best Washington insurers
Honorable mention: Pemco Insurance
Best full coverage car insurance in Washington
Best car insurance for teen drivers in Washington
Best car insurance for young drivers under 25 in Washington
Geico offers the best car insurance in Washington, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Nationwide comes in second place, while Pemco Insurance earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Washington by comparing quotes from multiple insurance companies.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Washington. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Washington:
Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.
Best car insurance in Washington overall: Geico
5.0
Jerry’s Score
Our Take
Geico 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.
Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs.
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.
4.7
Jerry’s Score
Our Take
Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.
Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.
American Family has few customer complaints and offers customizable policies with plenty of ways to save, but scored below average in a J.D. Power customer satisfaction study.
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
Aspire Advantage offers the best full coverage car insurance rates in Washington, according to Jerry’s data analysis, with an average cost of $166 per month.
Here are more companies that offer some of the best full coverage car insurance rates.
Insurance Company
Avg Monthly Quote
Aspire Advantage
$179
The General
$211
Liberty Mutual
$224
Safeco
$228
National General
$230
Last Updated Aug. 8, 2025
The right full coverage car insurance should match your unique needs and driving habits. Think about how often you’re on the road, the kind of vehicle you drive and whether you’d benefit from extras like roadside assistance or rental reimbursement if your car is in the shop for covered repairs. By focusing on what fits your lifestyle, you can choose a policy that provides the right amount of financial protection without paying for optional coverages you don’t need.
Best car insurance for teen drivers in Washington
The GeneralThe General offers the best car insurance rates for teen drivers in Washington, according to Jerry’s data analysis, with an average cost of $333 per month.
Here are more companies that offer some of the best car insurance rates for teens.
Insurance Company
Avg Monthly Quote
The General
$302
Dairyland
$382
Bristol West
$544
Geico
$544
Progressive
$574
Last Updated Aug. 8, 2025
Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.
Best car insurance for young drivers under 25 in Washington
Bluefire offers the best car insurance rates for young drivers in Washington, according to Jerry’s data analysis, with an average cost of $112 per month.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
Insurance Company
Avg Monthly Quote
Bluefire
$112
Aspire Advantage
$150
Anchor General
$152
Assurance America
$158
ROOT
$232
Last Updated Aug. 6, 2025
For drivers under 25, the best car insurance policies are often those that recognize and reward responsible driving habits, since young drivers are viewed as risky to insure. Insurers frequently offer discounts to young drivers who keep a clean driving record, complete approved driving courses or opt into telematics programs that track driving behavior. Choosing a policy that incentivizes good habits can help young drivers stay safe on the road and may lead to lower premiums over time.
National General offers the best car insurance rates for drivers over 65 in Washington, with an average cost of $131 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
Insurance Company
Avg Monthly Quote
National General
$126
Geico
$129
The General
$130
Progressive
$138
Safeco
$153
Last Updated Aug. 7, 2025
For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.
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.
Geico is the best car insurance company in Washington,according to Jerry’s editorial analysis.
Who has the best car insurance rates in Washington?
Aspire Advantage offers some of the best car insurance rates in Washington, according to Jerry’s data analysis.
How do I find the best car insurance in Washington?
You’ll find the best car insurance in Washingtonby looking for companies that have strong customer service and offer the coverage types you need to be financially protected on the road. You can also research customer experiences online and read reviews.
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.
MEET OUR EXPERTS
Ben Moore
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.
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Annie Millerbernd
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
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.
