Cheapest auto insurance in Washington for 2021

 Washington state has more than 5 million licenced drivers. Any resident who owns a vehicle registered in the state is required by law to carry a minimum amount of auto insurance.

Cheapest auto insurance in Washington for 2021

Over 21% of Washington's 5.7 million licenced drivers are uninsured, according to estimates. Washington has the fifth-highest estimated uninsured driver rate in the country. Despite this, drivers in the Evergreen State pay less for car insurance than the national average. In Washington, the average cost of car insurance is $463 per year for minimum coverage and $1,176 per year for full coverage.

We examined the average annual premiums obtained from Quadrant Information Services for the largest car insurance companies in Washington state by market share. If you're looking for low-cost car insurance in Washington, this information may help you find it.

Cheapest auto insurance in Washington

Car insurance is required in Washington, as it is in most other states. However, just because it is a required purchase does not imply that you must stretch your budget to make it. Understanding which companies offer low average rates and comparing quotes from various insurance carriers may help you find coverage that meets your needs and budget
If you are looking for the cheapest auto insurance in Washington, the following companies may be a good place to start:


USAA sells insurance only to active duty and retired military personnel, as well as their eligible family members. The company consistently offers low average prices and is highly rated for its customer service, claims handling, and coverage options. If you are eligible for coverage, you should get a quote from USAA.

According to USAA's website, drivers save an average of $725 when they switch from another provider. You may be able to lower your rate even further by utilising a variety of discounts, such as parking a vehicle on a military base, being a good student, insuring a new vehicle, and remaining claims-free for at least five years.


Pemco is a regional provider that only sells insurance in the Pacific Northwest. Pemco may be a good choice if you're looking for a company that focuses on the unique needs of drivers in this region. Pemco also has local agents who may be able to assist you in your search for car insurance.

The company provides numerous discounts to Washington drivers. In addition to more common discounts such as savings for insuring your car and your home, having certain vehicle safety features, and being a good student, you may also save if you are a University of Washington alumni, pay in full, or are an educator.


Geico is frequently one of the top choices for drivers looking for low-cost, basic coverage with no additional endorsements. While the company does provide standard auto insurance coverages such as liability, collision, and comprehensive coverage, there are few customization options
Geico's car insurance endorsement options are limited, but the company does offer a long list of discounts that may be of interest if saving money is your top priority. Discounts are available for federal employees, military members, employee/membership groups, having a vehicle with certain safety features, being a good student, and driving safely.


Progressive is another well-known insurance provider in Washington. The company is well-known for its extensive coverage options, discounts, and online tools. Progressive's average full coverage premium is the highest on our list, but it is still lower than Washington's.

Progressive provides impressive discounts to help offset the cost of car insurance. Many drivers are aware of Progressive's Snapshot safe driver programme, which may result in an individualised discount based on your driving habits. Progressive also offers the Name Your Price Tool to help you find coverage options that fit within your budget.

State Farm

State Farm is the largest auto insurance company in the United States, accounting for more than 16% of the total market share. State Farm may be a good fit for your needs, with low average rates, good coverage options, and several discounts. State Farm may be especially appealing if you prefer to work with an in-person agent rather than handling your insurance needs digitally or over the phone. Local agents are stationed throughout Washington state.

Drivers with State Farm have access to two safe driver discounts programmes: Drive Safe & Save for adults and Steer Clear for drivers under the age of 25. There are also discounts for being a good student, being away at school, not having an accident, and having a vehicle with certain safety features.

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