Can car insurance companies use my credit score in Washington?

Yes, car insurance companies can use credit-based insurance scores when determining how much to charge you for auto insurance in Washington. That means that drivers with strong credit will tend to pay less for auto insurance than people with poor credit. While the state suspended this practice for a brief period in 2022, a court ruling on August 29, 2022, allowed insurers to once again use credit history when calculating premiums. If you’re looking to reduce your insurance premiums, consider boosting your credit score.

Do you have to have car insurance in Washington state?

Yes, drivers in Washington state are required to carry a minimum amount of liability insurance. Drivers must be offered underinsured motorist coverage, which includes uninsured and underinsured motorist coverage, as well as personal injury protection, but it can be declined in writing. Depending on a driver’s situation, they may be able to use self-insurance, certificates of deposit or liability bonds to satisfy the insurance requirement.

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Best car insurance in Washington for 2025

Q: How much is car insurance in Washington?

The average cost of car insurance is $1,582 per year for full coverage and $487 for minimum coverage. However, these are just average figures meant for comparison purposes, and your insurance quote will vary. Your exact premium depends on personal factors like your driving history, credit score, gender, age, ZIP code, vehicle information and more. If you’re hoping to save on your monthly insurance premium, you might want to compare quotes from several insurance providers. Request the same coverage types and amounts to make it easier to compare policies and costs. Keep in mind that insurance premiums can change at renewal periods, so you might want to regularly shop for car insurance.

Written by

Natalie Todoroff

Edited by

Maggie Kempken

Reviewed by

Mark Friedlander

Updated Mar 01, 2025

The best auto insurance companies in Washington include Geico, State Farm, USAA, Travelers and Farmers.

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Best car insurance companies in Washington

According to our research, Geico, State Farm, USAA, Travelers and Farmers offer some of the best car insurance in Washington. Based on data collected from Quadrant Information Services, these carriers have average premiums that come in below or near the average cost of car insurance in Washington, which is $1,858 per year for full coverage and $559 per year for minimum coverage. Aside from cost, we also compared J.D. Power rankings in the Northwest region, company coverage offerings, financial strength ratings from AM Best and other features to determine our picks for the companies with the best auto insurance in Washington.

You can use our Bankrate Score, which rates each carrier on a five-point scale based on several metrics (including those listed above), to quickly compare companies and decide which to get quotes from. If you’re looking for the best Washington auto insurance, you might want to start with these:


Geico	4.3 Rating: 4.3 stars out of 5	$1,359	$359
State Farm	4.3 Rating: 4.3 stars out of 5	$1,935	$596
USAA	4.3 Rating: 4.3 stars out of 5	$1,117	$336
Travelers	4.1 Rating: 4.1 stars out of 5	$1,507	$517
Farmers	3.8 Rating: 3.8 stars out of 5	$3,524	$1,289

Geico

Best for discounts

4.3

Read Geico review Get a quote

Avg. full coverage premium

$113/mo

Avg. full coverage premium

$1,359/yr

Customer satisfaction

637/1,000

Why Geico made our list: Geico helps make finding cheap car insurance easy for Washington drivers. On its website, Geico advertises an impressive 16 different potential discounts across five categories: vehicle equipment, driving history and habits, driver’s education, driver affiliation and customer loyalty. Although Geico does incentivize drivers to practice good habits with its five-year accident-free good driver discount, drivers with less-than-perfect driving records may still get a cheap deal. Keep in mind that the rates for Washington drivers with an at-fault accident can fluctuate, so you may want to shop around if you have infractions on your record.
Pros
Lower-than-average premiums for both full and minimum coverage car insurance

Long list of discounts for professionals and organization members
Cons
Only a few optional coverage types

Few local agents available

State Farm

Best for local agents

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$161/mo

Avg. full coverage premium

$1,935/yr

Customer satisfaction

656/1,000

Why State Farm made our list: If you’re looking for a local agent, State Farm may be a great fit. This carrier offers a wide range of insurance products in addition to a solid number of potential discounts. State Farm also offers optional coverage choices like car rental, travel expenses and rideshare coverage. Notably, State Farm does not offer gap insurance, nor does it write insurance policies for drivers who have DUI convictions on their records. However, the company ranked second for customer satisfaction in the Northwest region, according to J.D. Power’s 2024 auto study.
Pros
Above-average J.D. Power score for Northwest region

Multiple ways to save on teen driving rates
Cons
Relatively high average rates

Does not offer gap insurance

USAA

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$93/mo

Avg. full coverage premium

$1,117/yr

Customer satisfaction

743/1,000

Why USAA made our list: In addition to low average rates, USAA offers several potential discounts, including for low mileage, bundling, good grades and garaging a vehicle on a military installation. However, USAA does not offer 24/7 customer service, which may deter some drivers. Additionally, its lack of brick-and-mortar insurance locations in Washington (and nationwide) might not be best for customers who prefer face-to-face service.
Pros
Unique discount and coverage options for military members

Excellent customer satisfaction scores from J.D. Power
Cons
Coverage is limited to military members, veterans and their immediate family

Policy management and claims handling only available online or by phone

Travelers

Best for low average rates

4.1

Read Travelers review Get a quote

Avg. full coverage premium

$126/mo

Avg. full coverage premium

$1,507/yr

Customer satisfaction

592/1,000

Why Travelers made our list: Travelers offers extensive add-on options, such as accident forgiveness, decreasing deductible, premier new car replacement and gap coverage. However, the company placed second to last in J.D. Power’s 2024 customer satisfaction study in the Northwest region and scored below the segment average for service and shopping in its 2024 U.S. Insurance Digital Experience Study.
Pros
Many supplemental coverage options to choose from to personalize auto insurance policy

Robust list of potential discounts
Cons
Below-average scores from J.D. Power for customer and digital satisfaction

Rideshare coverage not available in Washington

Farmers

Best for added perks

3.8

Read Farmers review Get a quote

Avg. full coverage premium

$294/mo

Avg. full coverage premium

$3,524/yr

Customer satisfaction

641/1,000

Why Farmers made our list: Farmers rates for Washington drivers tend to be on the higher side among our chosen insurers, but we included it because the company’s extensive endorsement options might be useful for people who need specialized coverage. Its tools and benefits are really where it shines: roadside assistance, rideshare coverage, loss of use, no deductible glass and windshield coverage, spare parts coverage and accident forgiveness are all available with Farmers.
Pros
Mobile app availability for policy retrieval and claims filing

Ample additional coverage options
Cons
Lower-than-average customer satisfaction scores in J.D. Power 2024 Auto Insurance Study for the Northwest region.

Average rates tend to be high compared to other providers we looked at

How Bankrate chose the best car insurance companies in Washington

Bankrate’s insurance editorial team started the search for the best car insurance companies in Washington by analyzing dozens of carriers available in the state. We reviewed average car insurance premiums from Quadrant Information Services for minimum and full coverage and compared coverage options. Third-party ratings from agencies like J.D. Power and AM Best were used to assess customer satisfaction and financial strength. We understand that many customers like to handle their insurance needs digitally, so mobile app accessibility was also factored in to calculate a company's overall Bankrate Score.

The better a company scored in each of these categories, the higher its overall Bankrate Score for a maximum Score of 5.0 out of 5.0 points. As you learn more about the insurance carriers below, this Bankrate Score may help provide a high-level summary of how each insurer compares to another.

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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How to find the best car insurance in Washington

Finding the best car insurance in WA for your situation may take a bit of research, but knowing what coverage types and company features you want can make the process easier. Consider the following strategies to narrow down the list of providers you’re interested in:

How much is car insurance in Washington?

The average Washington auto insurance policy costs $559 per year for minimum coverage and $1,858 per year for full coverage, according to 2024 rate data obtained from Quadrant Information Services. Washington drivers pay less than the national annual average of $799 for minimum coverage and $2,678 for full coverage.

When compared to surrounding states, Washington drivers see fairly affordable average rates. Oregon drivers pay $2,096 per year for full coverage, on average, while California drivers pay an average of $2,935 annually. The difference in rates could be attributed in part to the population of each state and the number of drivers on the road, as well as an increased cost of living in California compared to Washington and Oregon.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Suquamish	$1,617	-14%
Tacoma	$2,168	+15%
Vaughn	$1,888	+2%
Longmire	$1,949	+5%
Lakewood	$2,111	+13%
Lacey	$1,753	-6%
Olympia	$1,732	-7%
Belfair	$1,766	-5%
Copalis Crossing	$1,703	-9%
Seattle	$2,089	+12%
Everett	$1,901	+2%
Acme	$1,673	-10%
Bellingham	$1,556	-18%
Clearlake	$1,640	-12%
Deer Harbor	$1,621	-14%
Hamilton	$1,673	-10%
Curtis	$1,794	-4%
Grayland	$1,716	-8%
Onalaska	$1,763	-5%
Grays River	$1,780	-4%
Kelso	$1,690	-9%
White Salmon	$1,671	-11%
Lynden	$1,633	-13%
Oak Harbor	$1,578	-16%
Rockport	$1,700	-9%
Snohomish	$1,844	-1%
La Push	$1,591	-15%
Olalla	$1,681	-10%
Port Orchard	$1,657	-11%
Puyallup	$2,028	+9%
Adna	$1,776	-5%
Amanda Park	$1,723	-8%
Buckley	$1,915	+3%
Fox Island	$1,913	+3%
Bremerton	$1,627	-13%
Graham	$2,007	+8%
Port Townsend	$1,520	-20%
Retsil	$1,723	-8%
Neah Bay	$1,578	-16%
Port Ludlow	$1,555	-18%
Seabeck	$1,662	-11%
South Colby	$1,655	-12%
Rollingbay	$1,659	-11%
Vashon	$1,881	+1%
Chehalis	$1,663	-11%
Hoquiam	$1,652	-12%
Montesano	$1,680	-10%
Toledo	$1,753	-6%
Appleton	$1,686	-10%
Chinook	$1,781	-4%
Long Beach	$1,769	-5%
Ocean Park	$1,746	-6%
Vancouver	$1,826	-2%
Yacolt	$1,830	-2%
Wilkeson	$1,912	+3%
Paradise Inn	$1,958	+5%
Bucoda	$1,808	-3%
Galvin	$1,792	-4%
Hoodsport	$1,766	-5%
Lake Stevens	$1,844	-1%
Bridgeport	$1,710	-8%
Orondo	$1,723	-8%
Mabton	$1,695	-9%
Matlock	$1,758	-6%
Camas	$1,795	-3%
Underwood	$1,771	-5%
Silver Creek	$1,741	-7%
Tahuya	$1,771	-5%
Goldendale	$1,662	-11%
Ilwaco	$1,760	-5%
Naselle	$1,777	-4%
North Bonneville	$1,777	-4%
Ridgefield	$1,791	-4%
Seaview	$1,770	-5%
Skamokawa	$1,801	-3%
Trout Lake	$1,698	-9%
Wishram	$1,666	-11%
Woodland	$1,730	-7%
Wenatchee	$1,607	-14%
Moses Lake	$1,635	-13%
Stehekin	$1,791	-4%
Yakima	$1,644	-12%
Roslyn	$1,686	-10%
Sunnyside	$1,678	-10%
Fairfield	$1,726	-7%
Quinault	$1,709	-8%
Satsop	$1,707	-8%
Carson	$1,772	-5%
Cathlamet	$1,798	-3%
Centerville	$1,672	-11%
Malone	$1,688	-10%
Pacific Beach	$1,704	-9%
Pe Ell	$1,786	-4%
Rochester	$1,770	-5%
Shelton	$1,747	-6%
South Bend	$1,780	-4%
Brush Prairie	$1,830	-2%
Stevenson	$1,776	-5%
Marblemount	$1,698	-9%
Ashford	$1,927	+4%
Gig Harbor	$1,882	+1%
Spokane	$1,770	-5%
Mattawa	$1,679	-10%
Touchet	$1,626	-13%
Everson	$1,655	-12%
Granite Falls	$1,851	-0%
Mazama	$1,839	-1%
Riverside	$1,808	-3%
Cowiche	$1,651	-12%
Harrah	$1,717	-8%
Naches	$1,670	-11%
Toppenish	$1,700	-9%
Edwall	$1,680	-10%
Arlington	$1,794	-4%
Clinton	$1,661	-11%
Coupeville	$1,610	-14%
Darrington	$1,790	-4%
Ferndale	$1,620	-14%
Greenbank	$1,625	-13%
Lopez Island	$1,603	-15%
Pasco	$1,588	-16%
Eltopia	$1,643	-12%
Paterson	$1,606	-15%
Mansfield	$1,710	-8%
Littlerock	$1,752	-6%
Salkum	$1,774	-5%
Taholah	$1,718	-8%
Vader	$1,772	-5%
Klickitat	$1,670	-11%
La Center	$1,814	-2%
Longview	$1,692	-9%
Mckenna	$1,974	+6%
Union	$1,785	-4%
Cougar	$1,779	-4%
Heisson	$1,833	-1%
Nahcotta	$1,772	-5%
Oysterville	$1,746	-6%
Sumas	$1,672	-11%
Elbe	$1,909	+3%
Forks	$1,582	-16%
Mccleary	$1,682	-10%
Mossyrock	$1,752	-6%
Raymond	$1,777	-4%
Bingen	$1,691	-9%
Dallesport	$1,672	-11%
Glenwood	$1,670	-11%
Lyle	$1,667	-11%
Silverlake	$1,755	-6%
Maple Falls	$1,683	-10%
Marysville	$1,861	+0%
Sultan	$1,872	+1%
Anderson Island	$1,926	+4%
Glenoma	$1,780	-4%
Randle	$1,787	-4%
Moclips	$1,722	-8%
Ocean Shores	$1,680	-10%
Roy	$1,967	+6%
Winlock	$1,772	-5%
Yelm	$1,866	+0%
Carrolls	$1,748	-6%
Rosburg	$1,771	-5%
Toutle	$1,751	-6%
Washougal	$1,812	-3%
East Wenatchee	$1,593	-15%
Carlton	$1,786	-4%
Cashmere	$1,714	-8%
Chelan Falls	$1,730	-7%
Malaga	$1,698	-9%
Monitor	$1,697	-9%
Peshastin	$1,710	-8%
Wauconda	$1,822	-2%
Brownstown	$1,719	-8%
Outlook	$1,702	-9%
Selah	$1,627	-13%
Wapato	$1,701	-9%
Lamont	$1,622	-14%
Menlo	$1,797	-3%
Oakville	$1,695	-9%
Ryderwood	$1,775	-5%
Tenino	$1,806	-3%
Westport	$1,694	-9%
Battle Ground	$1,822	-2%
Husum	$1,697	-9%
Kalama	$1,718	-8%
Burlington	$1,632	-13%
Freeland	$1,624	-13%
Maple Valley	$1,984	+7%
Snoqualmie Pass	$1,816	-2%
Auburn	$2,117	+13%
Federal Way	$2,145	+14%
Methow	$1,780	-4%
Easton	$1,704	-9%
South Cle Elum	$1,684	-10%
Medical Lake	$1,716	-8%
Elk	$1,801	-3%
Fairchild Air Force Base	$1,695	-9%
Marshall	$1,715	-8%
Beverly	$1,668	-11%
Burbank	$1,598	-15%
Asotin	$1,630	-13%
Mount Vernon	$1,634	-13%
Olga	$1,602	-15%
Silvana	$1,768	-5%
Chimacum	$1,548	-18%
Indianola	$1,633	-13%
Lakebay	$1,909	+3%
Orting	$1,951	+5%
Port Angeles	$1,542	-19%
Connell	$1,618	-14%
Royal City	$1,676	-10%
Blaine	$1,636	-13%
Custer	$1,626	-13%
Deming	$1,682	-10%
Friday Harbor	$1,597	-15%
Gold Bar	$1,874	+1%
La Conner	$1,622	-14%
Bellevue	$1,894	+2%
Bothell	$1,895	+2%
Issaquah	$1,897	+2%
Lynnwood	$1,949	+5%
North Bend	$1,909	+3%
Preston	$1,967	+6%
Bainbridge Island	$1,610	-14%
Omak	$1,793	-4%
Quincy	$1,652	-12%
Cle Elum	$1,709	-8%
Airway Heights	$1,749	-6%
Ford	$1,980	+6%
Benton City	$1,560	-17%
Mesa	$1,631	-13%
Pomeroy	$1,628	-13%
Sprague	$1,704	-9%
Benge	$1,648	-12%
Cusick	$2,016	+8%
Electric City	$1,698	-9%
Grand Coulee	$1,725	-7%
Ione	$1,999	+7%
Malden	$1,670	-11%
Odessa	$1,676	-10%
Orient	$2,004	+8%
Palouse	$1,602	-15%
Springdale	$2,011	+8%
Seahurst	$2,015	+8%
Redmond	$1,886	+1%
Kenmore	$1,949	+5%
Kent	$2,072	+11%
Mountlake Terrace	$1,937	+4%
Carnation	$1,958	+5%
Mercer Island	$1,921	+3%
Sammamish	$1,914	+3%
Dixie	$1,632	-13%
Hooper	$1,628	-13%
Richland	$1,555	-18%
Walla Walla	$1,595	-15%
Spanaway	$2,146	+14%
Doty	$1,770	-5%
Ethel	$1,787	-4%
University Place	$2,093	+12%
Aberdeen	$1,645	-12%
Lyman	$1,683	-10%
Camano Island	$1,692	-9%
Brinnon	$1,600	-15%
Clallam Bay	$1,591	-16%
Eatonville	$1,927	+4%
La Grande	$1,928	+4%
Mineral	$1,827	-2%
Nordland	$1,553	-18%
Silverdale	$1,600	-15%
Kennewick	$1,573	-17%
Othello	$1,643	-12%
Anatone	$1,624	-13%
Bickleton	$1,660	-11%
College Place	$1,594	-15%
Kahlotus	$1,612	-14%
Prosser	$1,618	-14%
Wallula	$1,623	-14%
Sumner	$1,959	+5%
Valleyford	$1,723	-8%
Waverly	$1,726	-7%
Belmont	$1,633	-13%
Gifford	$1,996	+7%
Kettle Falls	$1,989	+7%
Metaline Falls	$2,010	+8%
Thornton	$1,609	-14%
Farmington	$1,623	-14%
Harrington	$1,695	-9%
Mohler	$1,679	-10%
Oakesdale	$1,615	-14%
Ritzville	$1,644	-12%
Anacortes	$1,575	-17%
Bow	$1,639	-13%
Lummi Island	$1,548	-18%
Sedro Woolley	$1,654	-12%
East Olympia	$1,779	-4%
Lebam	$1,797	-3%
Conconully	$1,792	-4%
Marlin	$1,692	-9%
Okanogan	$1,802	-3%
Palisades	$1,683	-10%
Twisp	$1,808	-3%
Grandview	$1,688	-10%
Moxee	$1,627	-13%
White Swan	$1,708	-8%
Latah	$1,737	-7%
Almira	$1,666	-11%
Coulee City	$1,727	-7%
Garfield	$1,614	-14%
Hartline	$1,705	-9%
Lacrosse	$1,612	-14%
Point Roberts	$1,668	-11%
Skykomish	$1,901	+2%
Beaver	$1,564	-17%
Dayton	$1,638	-13%
Plymouth	$1,608	-14%
West Richland	$1,538	-19%
Roosevelt	$1,667	-11%
Clarkston	$1,599	-15%
Monroe	$1,852	-0%
Mukilteo	$1,890	+2%
Nooksack	$1,661	-11%
Carbonado	$1,931	+4%
Port Hadlock	$1,542	-19%
Joyce	$1,593	-15%
Thorp	$1,699	-9%
Newman Lake	$1,709	-8%
Wellpinit	$2,004	+8%
Addy	$2,000	+7%
Albion	$1,618	-14%
Clayton	$1,978	+6%
Coulee Dam	$1,772	-5%
Laurier	$1,981	+6%
Nespelem	$1,794	-4%
Northport	$1,997	+7%
Steilacoom	$2,061	+10%
Bonney Lake	$1,913	+3%
Bay Center	$1,747	-6%
Centralia	$1,660	-11%
Elma	$1,687	-10%
Lilliwaup	$1,767	-5%
Pateros	$1,786	-4%
Winthrop	$1,827	-2%
Parker	$1,690	-9%
Ronald	$1,688	-10%
Dupont	$1,979	+6%
Keyport	$1,616	-14%
Milton	$2,050	+10%
Port Gamble	$1,679	-10%
Sequim	$1,524	-20%
Shaw Island	$1,631	-13%
Hansville	$1,627	-13%
Quilcene	$1,557	-18%
South Prairie	$1,927	+4%
Mica	$1,695	-9%
Endicott	$1,610	-14%
Fruitland	$1,976	+6%
Hunters	$1,977	+6%
Keller	$1,966	+6%
Malo	$2,024	+9%
Pullman	$1,579	-16%
Rosalia	$1,638	-13%
Saint John	$1,619	-14%
Usk	$1,995	+7%
Blakely Island	$1,602	-15%
Concrete	$1,678	-10%
North Lakewood	$1,858	-0%
Davenport	$1,676	-10%
Elmer City	$1,784	-4%
Inchelium	$2,024	+9%
Lincoln	$1,692	-9%
Loon Lake	$2,009	+8%
Uniontown	$1,596	-15%
Grapeview	$1,782	-4%
Humptulips	$1,704	-9%
Stratford	$1,685	-10%
Tonasket	$1,817	-2%
Ellensburg	$1,594	-15%
Chattaroy	$1,774	-5%
Colbert	$1,793	-4%
Liberty Lake	$1,684	-10%
Allyn	$1,777	-4%
Kapowsin	$2,005	+8%
Packwood	$1,802	-3%
Sekiu	$1,579	-16%
Tekoa	$1,636	-13%
Veradale	$1,715	-8%
Boyds	$2,000	+7%
Colville	$1,989	+7%
Creston	$1,680	-10%
Hay	$1,600	-15%
Lamona	$1,671	-11%
Republic	$2,017	+8%
Rice	$1,986	+7%
Valley	$2,016	+8%
Baring	$1,899	+2%
Index	$1,863	+0%
Ardenvoir	$1,761	-5%
Chelan	$1,718	-8%
Rock Island	$1,696	-9%
Soap Lake	$1,669	-11%
Waterville	$1,686	-10%
Tieton	$1,658	-11%
Cheney	$1,701	-9%
Deer Park	$1,770	-5%
Stanwood	$1,730	-7%
Longbranch	$1,906	+3%
Morton	$1,773	-5%
Edmonds	$1,941	+4%
Fall City	$1,970	+6%
Renton	$2,035	+9%
Cinebar	$1,779	-4%
Copalis Beach	$1,696	-9%
Cosmopolis	$1,668	-11%
Nine Mile Falls	$1,761	-5%
Spangle	$1,715	-8%
Tumtum	$1,983	+7%
Evans	$2,004	+8%
Marcus	$1,993	+7%
Wilbur	$1,682	-10%
Leavenworth	$1,722	-8%
Loomis	$1,821	-2%
Washtucna	$1,634	-13%
Duvall	$1,938	+4%
Enumclaw	$1,940	+4%
Kirkland	$1,887	+2%
Pacific	$2,106	+12%
Medina	$1,864	+0%
Ravensdale	$1,963	+5%
Snoqualmie	$1,906	+3%
Woodinville	$1,892	+2%
Eastsound	$1,603	-15%
Otis Orchards	$1,691	-9%
Reardan	$1,709	-8%
Chewelah	$1,972	+6%
Newport	$2,003	+8%
Rainier	$1,833	-1%
Tokeland	$1,790	-4%
Amboy	$1,821	-2%
Ariel	$1,784	-4%
Castle Rock	$1,751	-6%
Wahkiacus	$1,676	-10%
Rockford	$1,713	-8%
Curlew	$2,018	+8%
Danville	$2,010	+8%
Metaline	$1,988	+7%
Steptoe	$1,726	-7%
Waitsburg	$1,631	-13%
Brewster	$1,772	-5%
Dryden	$1,717	-8%
Entiat	$1,738	-7%
Ephrata	$1,655	-12%
Manson	$1,719	-8%
Oroville	$1,812	-3%
Warden	$1,664	-11%
Granger	$1,685	-10%
Vantage	$1,667	-11%
Zillah	$1,696	-9%
Greenacres	$1,689	-10%
Mead	$1,770	-5%
Langley	$1,657	-11%
Black Diamond	$1,961	+5%
Burton	$1,902	+2%
Lind	$1,644	-12%
Prescott	$1,629	-13%
Waldron	$1,634	-13%
Kingston	$1,631	-13%
Poulsbo	$1,608	-14%
Colfax	$1,591	-15%
Colton	$1,599	-15%
Suquamish	$1,617	-14%
Tacoma	$2,168	+15%
Vaughn	$1,888	+2%
Longmire	$1,949	+5%
Lakewood	$2,111	+13%
Lacey	$1,753	-6%
Olympia	$1,732	-7%
Belfair	$1,766	-5%
Copalis Crossing	$1,703	-9%
Seattle	$2,089	+12%
Everett	$1,901	+2%
Acme	$1,673	-10%
Bellingham	$1,556	-18%
Clearlake	$1,640	-12%
Deer Harbor	$1,621	-14%
Hamilton	$1,673	-10%
Curtis	$1,794	-4%
Grayland	$1,716	-8%
Onalaska	$1,763	-5%
Grays River	$1,780	-4%
Kelso	$1,690	-9%
White Salmon	$1,671	-11%
Lynden	$1,633	-13%
Oak Harbor	$1,578	-16%
Rockport	$1,700	-9%
Snohomish	$1,844	-1%
La Push	$1,591	-15%
Olalla	$1,681	-10%
Port Orchard	$1,657	-11%
Puyallup	$2,028	+9%
Adna	$1,776	-5%
Amanda Park	$1,723	-8%
Buckley	$1,915	+3%
Fox Island	$1,913	+3%
Bremerton	$1,627	-13%
Graham	$2,007	+8%
Port Townsend	$1,520	-20%
Retsil	$1,723	-8%
Neah Bay	$1,578	-16%
Port Ludlow	$1,555	-18%
Seabeck	$1,662	-11%
South Colby	$1,655	-12%
Rollingbay	$1,659	-11%
Vashon	$1,881	+1%
Chehalis	$1,663	-11%
Hoquiam	$1,652	-12%
Montesano	$1,680	-10%
Toledo	$1,753	-6%
Appleton	$1,686	-10%
Chinook	$1,781	-4%
Long Beach	$1,769	-5%
Ocean Park	$1,746	-6%
Vancouver	$1,826	-2%
Yacolt	$1,830	-2%
Wilkeson	$1,912	+3%
Paradise Inn	$1,958	+5%
Bucoda	$1,808	-3%
Galvin	$1,792	-4%
Hoodsport	$1,766	-5%
Lake Stevens	$1,844	-1%
Bridgeport	$1,710	-8%
Orondo	$1,723	-8%
Mabton	$1,695	-9%
Matlock	$1,758	-6%
Camas	$1,795	-3%
Underwood	$1,771	-5%
Silver Creek	$1,741	-7%
Tahuya	$1,771	-5%
Goldendale	$1,662	-11%
Ilwaco	$1,760	-5%
Naselle	$1,777	-4%
North Bonneville	$1,777	-4%
Ridgefield	$1,791	-4%
Seaview	$1,770	-5%
Skamokawa	$1,801	-3%
Trout Lake	$1,698	-9%
Wishram	$1,666	-11%
Woodland	$1,730	-7%
Wenatchee	$1,607	-14%
Moses Lake	$1,635	-13%
Stehekin	$1,791	-4%
Yakima	$1,644	-12%
Roslyn	$1,686	-10%
Sunnyside	$1,678	-10%
Fairfield	$1,726	-7%
Quinault	$1,709	-8%
Satsop	$1,707	-8%
Carson	$1,772	-5%
Cathlamet	$1,798	-3%
Centerville	$1,672	-11%
Malone	$1,688	-10%
Pacific Beach	$1,704	-9%
Pe Ell	$1,786	-4%
Rochester	$1,770	-5%
Shelton	$1,747	-6%
South Bend	$1,780	-4%
Brush Prairie	$1,830	-2%
Stevenson	$1,776	-5%
Marblemount	$1,698	-9%
Ashford	$1,927	+4%
Gig Harbor	$1,882	+1%
Spokane	$1,770	-5%
Mattawa	$1,679	-10%
Touchet	$1,626	-13%
Everson	$1,655	-12%
Granite Falls	$1,851	-0%
Mazama	$1,839	-1%
Riverside	$1,808	-3%
Cowiche	$1,651	-12%
Harrah	$1,717	-8%
Naches	$1,670	-11%
Toppenish	$1,700	-9%
Edwall	$1,680	-10%
Arlington	$1,794	-4%
Clinton	$1,661	-11%
Coupeville	$1,610	-14%
Darrington	$1,790	-4%
Ferndale	$1,620	-14%
Greenbank	$1,625	-13%
Lopez Island	$1,603	-15%
Pasco	$1,588	-16%
Eltopia	$1,643	-12%
Paterson	$1,606	-15%
Mansfield	$1,710	-8%
Littlerock	$1,752	-6%
Salkum	$1,774	-5%
Taholah	$1,718	-8%
Vader	$1,772	-5%
Klickitat	$1,670	-11%
La Center	$1,814	-2%
Longview	$1,692	-9%
Mckenna	$1,974	+6%
Union	$1,785	-4%
Cougar	$1,779	-4%
Heisson	$1,833	-1%
Nahcotta	$1,772	-5%
Oysterville	$1,746	-6%
Sumas	$1,672	-11%
Elbe	$1,909	+3%
Forks	$1,582	-16%
Mccleary	$1,682	-10%
Mossyrock	$1,752	-6%
Raymond	$1,777	-4%
Bingen	$1,691	-9%
Dallesport	$1,672	-11%
Glenwood	$1,670	-11%
Lyle	$1,667	-11%
Silverlake	$1,755	-6%
Maple Falls	$1,683	-10%
Marysville	$1,861	+0%
Sultan	$1,872	+1%
Anderson Island	$1,926	+4%
Glenoma	$1,780	-4%
Randle	$1,787	-4%
Moclips	$1,722	-8%
Ocean Shores	$1,680	-10%
Roy	$1,967	+6%
Winlock	$1,772	-5%
Yelm	$1,866	+0%
Carrolls	$1,748	-6%
Rosburg	$1,771	-5%
Toutle	$1,751	-6%
Washougal	$1,812	-3%
East Wenatchee	$1,593	-15%
Carlton	$1,786	-4%
Cashmere	$1,714	-8%
Chelan Falls	$1,730	-7%
Malaga	$1,698	-9%
Monitor	$1,697	-9%
Peshastin	$1,710	-8%
Wauconda	$1,822	-2%
Brownstown	$1,719	-8%
Outlook	$1,702	-9%
Selah	$1,627	-13%
Wapato	$1,701	-9%
Lamont	$1,622	-14%
Menlo	$1,797	-3%
Oakville	$1,695	-9%
Ryderwood	$1,775	-5%
Tenino	$1,806	-3%
Westport	$1,694	-9%
Battle Ground	$1,822	-2%
Husum	$1,697	-9%
Kalama	$1,718	-8%
Burlington	$1,632	-13%
Freeland	$1,624	-13%
Maple Valley	$1,984	+7%
Snoqualmie Pass	$1,816	-2%
Auburn	$2,117	+13%
Federal Way	$2,145	+14%
Methow	$1,780	-4%
Easton	$1,704	-9%
South Cle Elum	$1,684	-10%
Medical Lake	$1,716	-8%
Elk	$1,801	-3%
Fairchild Air Force Base	$1,695	-9%
Marshall	$1,715	-8%
Beverly	$1,668	-11%
Burbank	$1,598	-15%
Asotin	$1,630	-13%
Mount Vernon	$1,634	-13%
Olga	$1,602	-15%
Silvana	$1,768	-5%
Chimacum	$1,548	-18%
Indianola	$1,633	-13%
Lakebay	$1,909	+3%
Orting	$1,951	+5%
Port Angeles	$1,542	-19%
Connell	$1,618	-14%
Royal City	$1,676	-10%
Blaine	$1,636	-13%
Custer	$1,626	-13%
Deming	$1,682	-10%
Friday Harbor	$1,597	-15%
Gold Bar	$1,874	+1%
La Conner	$1,622	-14%
Bellevue	$1,894	+2%
Bothell	$1,895	+2%
Issaquah	$1,897	+2%
Lynnwood	$1,949	+5%
North Bend	$1,909	+3%
Preston	$1,967	+6%
Bainbridge Island	$1,610	-14%
Omak	$1,793	-4%
Quincy	$1,652	-12%
Cle Elum	$1,709	-8%
Airway Heights	$1,749	-6%
Ford	$1,980	+6%
Benton City	$1,560	-17%
Mesa	$1,631	-13%
Pomeroy	$1,628	-13%
Sprague	$1,704	-9%
Benge	$1,648	-12%
Cusick	$2,016	+8%
Electric City	$1,698	-9%
Grand Coulee	$1,725	-7%
Ione	$1,999	+7%
Malden	$1,670	-11%
Odessa	$1,676	-10%
Orient	$2,004	+8%
Palouse	$1,602	-15%
Springdale	$2,011	+8%
Seahurst	$2,015	+8%
Redmond	$1,886	+1%
Kenmore	$1,949	+5%
Kent	$2,072	+11%
Mountlake Terrace	$1,937	+4%
Carnation	$1,958	+5%
Mercer Island	$1,921	+3%
Sammamish	$1,914	+3%
Dixie	$1,632	-13%
Hooper	$1,628	-13%
Richland	$1,555	-18%
Walla Walla	$1,595	-15%
Spanaway	$2,146	+14%
Doty	$1,770	-5%
Ethel	$1,787	-4%
University Place	$2,093	+12%
Aberdeen	$1,645	-12%
Lyman	$1,683	-10%
Camano Island	$1,692	-9%
Brinnon	$1,600	-15%
Clallam Bay	$1,591	-16%
Eatonville	$1,927	+4%
La Grande	$1,928	+4%
Mineral	$1,827	-2%
Nordland	$1,553	-18%
Silverdale	$1,600	-15%
Kennewick	$1,573	-17%
Othello	$1,643	-12%
Anatone	$1,624	-13%
Bickleton	$1,660	-11%
College Place	$1,594	-15%
Kahlotus	$1,612	-14%
Prosser	$1,618	-14%
Wallula	$1,623	-14%
Sumner	$1,959	+5%
Valleyford	$1,723	-8%
Waverly	$1,726	-7%
Belmont	$1,633	-13%
Gifford	$1,996	+7%
Kettle Falls	$1,989	+7%
Metaline Falls	$2,010	+8%
Thornton	$1,609	-14%
Farmington	$1,623	-14%
Harrington	$1,695	-9%
Mohler	$1,679	-10%
Oakesdale	$1,615	-14%
Ritzville	$1,644	-12%
Anacortes	$1,575	-17%
Bow	$1,639	-13%
Lummi Island	$1,548	-18%
Sedro Woolley	$1,654	-12%
East Olympia	$1,779	-4%
Lebam	$1,797	-3%
Conconully	$1,792	-4%
Marlin	$1,692	-9%
Okanogan	$1,802	-3%
Palisades	$1,683	-10%
Twisp	$1,808	-3%
Grandview	$1,688	-10%
Moxee	$1,627	-13%
White Swan	$1,708	-8%
Latah	$1,737	-7%
Almira	$1,666	-11%
Coulee City	$1,727	-7%
Garfield	$1,614	-14%
Hartline	$1,705	-9%
Lacrosse	$1,612	-14%
Point Roberts	$1,668	-11%
Skykomish	$1,901	+2%
Beaver	$1,564	-17%
Dayton	$1,638	-13%
Plymouth	$1,608	-14%
West Richland	$1,538	-19%
Roosevelt	$1,667	-11%
Clarkston	$1,599	-15%
Monroe	$1,852	-0%
Mukilteo	$1,890	+2%
Nooksack	$1,661	-11%
Carbonado	$1,931	+4%
Port Hadlock	$1,542	-19%
Joyce	$1,593	-15%
Thorp	$1,699	-9%
Newman Lake	$1,709	-8%
Wellpinit	$2,004	+8%
Addy	$2,000	+7%
Albion	$1,618	-14%
Clayton	$1,978	+6%
Coulee Dam	$1,772	-5%
Laurier	$1,981	+6%
Nespelem	$1,794	-4%
Northport	$1,997	+7%
Steilacoom	$2,061	+10%
Bonney Lake	$1,913	+3%
Bay Center	$1,747	-6%
Centralia	$1,660	-11%
Elma	$1,687	-10%
Lilliwaup	$1,767	-5%
Pateros	$1,786	-4%
Winthrop	$1,827	-2%
Parker	$1,690	-9%
Ronald	$1,688	-10%
Dupont	$1,979	+6%
Keyport	$1,616	-14%
Milton	$2,050	+10%
Port Gamble	$1,679	-10%
Sequim	$1,524	-20%
Shaw Island	$1,631	-13%
Hansville	$1,627	-13%
Quilcene	$1,557	-18%
South Prairie	$1,927	+4%
Mica	$1,695	-9%
Endicott	$1,610	-14%
Fruitland	$1,976	+6%
Hunters	$1,977	+6%
Keller	$1,966	+6%
Malo	$2,024	+9%
Pullman	$1,579	-16%
Rosalia	$1,638	-13%
Saint John	$1,619	-14%
Usk	$1,995	+7%
Blakely Island	$1,602	-15%
Concrete	$1,678	-10%
North Lakewood	$1,858	-0%
Davenport	$1,676	-10%
Elmer City	$1,784	-4%
Inchelium	$2,024	+9%
Lincoln	$1,692	-9%
Loon Lake	$2,009	+8%
Uniontown	$1,596	-15%
Grapeview	$1,782	-4%
Humptulips	$1,704	-9%
Stratford	$1,685	-10%
Tonasket	$1,817	-2%
Ellensburg	$1,594	-15%
Chattaroy	$1,774	-5%
Colbert	$1,793	-4%
Liberty Lake	$1,684	-10%
Allyn	$1,777	-4%
Kapowsin	$2,005	+8%
Packwood	$1,802	-3%
Sekiu	$1,579	-16%
Tekoa	$1,636	-13%
Veradale	$1,715	-8%
Boyds	$2,000	+7%
Colville	$1,989	+7%
Creston	$1,680	-10%
Hay	$1,600	-15%
Lamona	$1,671	-11%
Republic	$2,017	+8%
Rice	$1,986	+7%
Valley	$2,016	+8%
Baring	$1,899	+2%
Index	$1,863	+0%
Ardenvoir	$1,761	-5%
Chelan	$1,718	-8%
Rock Island	$1,696	-9%
Soap Lake	$1,669	-11%
Waterville	$1,686	-10%
Tieton	$1,658	-11%
Cheney	$1,701	-9%
Deer Park	$1,770	-5%
Stanwood	$1,730	-7%
Longbranch	$1,906	+3%
Morton	$1,773	-5%
Edmonds	$1,941	+4%
Fall City	$1,970	+6%
Renton	$2,035	+9%
Cinebar	$1,779	-4%
Copalis Beach	$1,696	-9%
Cosmopolis	$1,668	-11%
Nine Mile Falls	$1,761	-5%
Spangle	$1,715	-8%
Tumtum	$1,983	+7%
Evans	$2,004	+8%
Marcus	$1,993	+7%
Wilbur	$1,682	-10%
Leavenworth	$1,722	-8%
Loomis	$1,821	-2%
Washtucna	$1,634	-13%
Duvall	$1,938	+4%
Enumclaw	$1,940	+4%
Kirkland	$1,887	+2%
Pacific	$2,106	+12%
Medina	$1,864	+0%
Ravensdale	$1,963	+5%
Snoqualmie	$1,906	+3%
Woodinville	$1,892	+2%
Eastsound	$1,603	-15%
Otis Orchards	$1,691	-9%
Reardan	$1,709	-8%
Chewelah	$1,972	+6%
Newport	$2,003	+8%
Rainier	$1,833	-1%
Tokeland	$1,790	-4%
Amboy	$1,821	-2%
Ariel	$1,784	-4%
Castle Rock	$1,751	-6%
Wahkiacus	$1,676	-10%
Rockford	$1,713	-8%
Curlew	$2,018	+8%
Danville	$2,010	+8%
Metaline	$1,988	+7%
Steptoe	$1,726	-7%
Waitsburg	$1,631	-13%
Brewster	$1,772	-5%
Dryden	$1,717	-8%
Entiat	$1,738	-7%
Ephrata	$1,655	-12%
Manson	$1,719	-8%
Oroville	$1,812	-3%
Warden	$1,664	-11%
Granger	$1,685	-10%
Vantage	$1,667	-11%
Zillah	$1,696	-9%
Greenacres	$1,689	-10%
Mead	$1,770	-5%
Langley	$1,657	-11%
Black Diamond	$1,961	+5%
Burton	$1,902	+2%
Lind	$1,644	-12%
Prescott	$1,629	-13%
Waldron	$1,634	-13%
Kingston	$1,631	-13%
Poulsbo	$1,608	-14%
Colfax	$1,591	-15%
Colton	$1,599	-15%

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34.5K

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quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

Natalie Todoroff

Writer II, Insurance

Best car insurance in Washington for 2025

Best car insurance companies in Washington

Geico

Best for discounts

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State Farm

Best for local agents

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USAA

Best for military-focused coverage

Overview

Pros and cons

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Travelers

Best for low average rates

Overview

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Travelers standout features

Farmers

Best for added perks

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Farmers standout features

How Bankrate chose the best car insurance companies in Washington

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