{"id":324483,"date":"2025-11-11T20:16:27","date_gmt":"2025-11-12T01:16:27","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=86449"},"modified":"2025-11-11T20:16:27","modified_gmt":"2025-11-12T01:16:27","slug":"best-in-washington","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-washington\/","title":{"rendered":"The Best Car Insurance Companies in Washington"},"content":{"rendered":"\n<p>Car insurance is a legal requirement in Washington. If you\u2019ve shopped for auto insurance recently, you know there are <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">dozens of options<\/a> and prices have risen sharply since 2022 (see the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t02.htm\">BLS motor vehicle insurance CPI<\/a>). It may seem overwhelming to choose the right car insurance company, especially if you are torn between wanting <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\">affordable rates<\/a>, generous coverages, specific types of coverage, or something else. Comparing several quotes is more important than ever.<\/p>\n\n\n\n<p>To help you find the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a> in Washington, we refreshed our analysis using current 2025 data. Reviews.com evaluated large national carriers and notable regional insurers by coverage, discounts, pricing, complaint experience and satisfaction. We referenced statewide rate studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, and third-party ratings including the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power 2025 U.S. Auto Insurance Study<\/a> and AM Best financial strength assessments.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Washington<\/h2>\n\n\n\n<ul><li><strong><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>:<\/strong> Best for Affordability<\/li><li><strong><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best for Military-Focused Coverage<\/li><li><strong><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>:<\/strong> Best for Discounts<\/li><li><strong><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>:<\/strong> Best for High-Risk Drivers<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fd3c19149d38\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Washington<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd3c19149d38-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$359<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$912<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>821<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3c19149d38-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$292<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$818<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>884<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3c19149d38-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$404<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$951<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>844<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3c19149d38-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$376<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$974<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>817<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of November 2025; sources include 2025 Washington rate studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, plus the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power 2025 U.S. Auto Insurance Study<\/a>.<\/em><\/p>\n\n\n\n<p><em>* Data points are triangulated from 2025 analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2025 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<p><em>***Not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Geico\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordability<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our review, Geico offers some of the cheapest car insurance premiums in Washington. Geico also offers lots of discounts that could mean additional savings.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">912<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">821**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our review, Geico offers some of the cheapest car insurance premiums in Washington. Geico also offers lots of discounts that could mean additional savings.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average premium<\/li>\n                            <li>Numerous discounts<\/li>\n                            <li>Strong financial ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Does not offer gap insurance<\/li>\n                                        <li>No discounts for hybrid\/electric cars<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Personal injury protection (PIP)<\/li>\n<li>Roadside assistance<\/li>\n<li>Rental reimbursement<\/li>\n<li>Mechanical breakdown coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Defensive driving course<\/li>\n<li>Driver education course<\/li>\n<li>Emergency deployment<\/li>\n<li>Federal employee<\/li>\n<li>Good driver<\/li>\n<li>Good student<\/li>\n<li>Membership and employee<\/li>\n<li>Military<\/li>\n<li>Multi-vehicle<\/li>\n<li>Multi-policy<\/li>\n<li>New vehicle<\/li>\n<li>Seat belt use<\/li>\n<li>Vehicle safety features<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">Geico homeowners insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"USAA\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Washington drivers who are active duty or retired military service members, as well as qualifying family members, may be able to purchase car insurance from USAA, which offers excellent customer service, competitive rates, and great discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">818<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">884**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Washington drivers who are active duty or retired military service members, as well as qualifying family members, may be able to purchase car insurance from USAA, which offers excellent customer service, competitive rates, and great discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable auto insurance policies<\/li>\n                            <li>Multiple discounts<\/li>\n                            <li>Personalized customer service<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Available only to military families<\/li>\n                                        <li>Limited number of branch locations<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Accident forgiveness<\/li>\n<li>Personal injury protection (PIP)<\/li>\n<li>Extended benefits coverage<\/li>\n<li>Roadside assistance<\/li>\n<li>Rental car reimbursement<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Annual mileage<\/li>\n<li>Anti-theft device<\/li>\n<li>Defensive driving course<\/li>\n<li>Driver training course<\/li>\n<li>Family discount<\/li>\n<li>Good student<\/li>\n<li>Length of membership<\/li>\n<li>Military installation<\/li>\n<li>Multi-vehicle<\/li>\n<li>New Vehicle<\/li>\n<li>Policy bundling<\/li>\n<li>Safe driver<\/li>\n<li>USAA SafePilot program<\/li>\n<li>Vehicle storage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers some of the most unique discounts, which may help offset the company\u2019s above-average premiums.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$951<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">844**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers some of the most unique discounts, which may help offset the company\u2019s above-average premiums.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Coverage for rideshare drivers<\/li>\n                            <li>Highly rated mobile app<\/li>\n                            <li>Impressive financial strength<\/li>\n                            <li>Unique discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Average minimum coverage premium is higher than state average<\/li>\n                                        <li>Fewer add-on coverages than competitors<\/li>\n                                        <li>No accident forgiveness<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Liability<\/li>\n<li>Medical<\/li>\n<li>Uninsured motorist<\/li>\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Emergency road service<\/li>\n<li>Car rental and travel<\/li>\n<li>Rideshare driver<\/li>\n<li>Roadside assistance coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Accident-free<\/li>\n<li>Defensive driving course<\/li>\n<li>Drive Safe &amp; Save program<\/li>\n<li>Good driver<\/li>\n<li>Good student<\/li>\n<li>Multi-vehicle<\/li>\n<li>Passive restraint<\/li>\n<li>Policy bundling<\/li>\n<li>Steer Clear program<\/li>\n<li>Student away at school<\/li>\n<li>Vehicle safety<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li>State Farm auto insurance review<\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Progressive\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive<\/h2>\n\n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Risk Drivers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive could be a good option for high-risk Washington drivers. The company offers a wide variety of discounts which could help you save money.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$974<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">817**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive could be a good option for high-risk Washington drivers. The company offers a wide variety of discounts which could help you save money.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Fast and efficient claims handling<\/li>\n                            <li>Several discounts<\/li>\n                            <li>Variety of add-on policies for customization<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below-average customer service ratings<\/li>\n                                        <li>Some discounts not offered in certain states<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>Roadside assistance<\/li>\n<li>Gap insurance<\/li>\n<li>Rental car reimbursement<\/li>\n<li>Custom parts and equipment coverage<\/li>\n<li>Rideshare coverage<\/li>\n<li>Deductible savings bank<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li>AutoPay<\/li>\n<li>Claim-free<\/li>\n<li>Continuous insurance<\/li>\n<li>Distant student<\/li>\n<li>Good student<\/li>\n<li>Homeowner<\/li>\n<li>Multi-policy<\/li>\n<li>Multi-vehicle<\/li>\n<li>Online quote<\/li>\n<li>Paperless billing<\/li>\n<li>Pay in full<\/li>\n<li>Sign online<\/li>\n<li>Snapshot\u00ae program<\/li>\n<li>Teen driver<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive auto insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive homeowners insurance review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/progressive-review\/\">Progressive renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>\u00a0* Data points are triangulated from 2025 analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2025 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Washington<\/h2>\n\n\n\n<p>In Washington, across recent 2025 studies, the <a class=\"achor-toggles\" href=\"https:\/\/www.coverage.com\/insurance\/auto\/states\/\">average cost of car insurance<\/a> is roughly $1,550\u2013$1,750 per year for a full coverage policy and about $520\u2013$650 per year for a minimum coverage policy (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>). These figures are materially higher than 2021 levels, consistent with increases shown in the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t02.htm\">BLS motor\u2011vehicle\u2011insurance CPI<\/a>. However, keep in mind that <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">car insurance rates<\/a> are personalized for every driver. In addition to location-based factors, like your ZIP code and loss statistics in your area, premiums in most states are also impacted by your vehicle, age, claim history, credit, and driving record. As a result, it\u2019s important to shop around and compare car insurance quotes before purchasing a policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Washington<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Often among the lowest; varies by profile (statewide avg ~$1,550\u2013$1,750)<\/td><\/tr><tr><td>State Farm<\/td><td>Frequently below the statewide average for many clean drivers<\/td><\/tr><tr><td>Geico<\/td><td>Frequently competitive for good drivers and low-mileage households<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Washington<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>Often above the statewide average; savings depend on discounts\/telematics<\/td><\/tr><tr><td>Farmers<\/td><td>Often above the statewide average; varies by ZIP and profile<\/td><\/tr><tr><td>Liberty Mutual\/Safeco<\/td><td>Often above the statewide average; bundling and telematics can help<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Washington&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Walla Walla<\/td><td>~$1,300\u2013$1,800 (typical full-coverage range in recent studies)<\/td><\/tr><tr><td>Pullman<\/td><td>~$1,300\u2013$1,800 (typical full-coverage range in recent studies)<\/td><\/tr><tr><td>Wenatchee<\/td><td>~$1,300\u2013$1,800 (typical full-coverage range in recent studies)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Washington&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Tacoma<\/td><td>~$2,100\u2013$2,800+ (typical full-coverage range in recent studies)<\/td><\/tr><tr><td>Seattle<\/td><td>~$2,100\u2013$2,800+ (typical full-coverage range in recent studies)<\/td><\/tr><tr><td>Kent<\/td><td>~$2,100\u2013$2,800+ (typical full-coverage range in recent studies)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Key Things to Know About Car Insurance in Washington\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Washington<\/h2>\n\n\n\n<p>As a Washington driver, you can access specific information regarding insurance from the <a href=\"https:\/\/www.dol.wa.gov\/driverslicense\/insurance.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Department of Licensing (DOL)<\/a>. Additional consumer guidance, current minimums, and shopping tools are provided by the<a href=\"https:\/\/www.insurance.wa.gov\/whats-covered-under-auto-policy\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> Office of the Insurance Commissioner.<\/a> You can also review company complaint experience via the OIC\u2019s <a href=\"https:\/\/www.insurance.wa.gov\">Complaint Index<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Washington Minimum Insurance Requirements<\/h3>\n\n\n\n<p>Most states require drivers to have some sort of car insurance, but the type of coverage and limits that each state requires will vary. In Washington, the mandatory liability minimums remain in place and cover bodily injury and property damage when you are at fault (<a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=46.29.090\">RCW 46.29.090<\/a>).<\/p>\n\n\n\n<p><strong>Washington minimum auto insurance requirements:<\/strong><\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$10,000 for property damage liability<\/li><\/ul>\n\n\n\n<p>In addition to liability coverage, Washington car insurance companies are required to offer personal injury protection (PIP) and uninsured motorist coverage to all drivers; these can be rejected in writing (<a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=48.22.085\">PIP<\/a>; <a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=48.22.030\">UM\/UIM<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Car Insurance Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>There are additional coverages when considering further financial protection as a driver in Washington: Washington also has statewide rideshare standards effective 2023 (<a href=\"https:\/\/app.leg.wa.gov\/billsummary?BillNumber=2076&#038;Year=2022\">HB 2076<\/a>) and peer-to-peer car sharing rules (<a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=48.177\">RCW 48.177<\/a>); if you drive for a platform or share your car, confirm who provides primary coverage in each driving period and consider endorsements as needed.<\/p>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\">Collision<\/a>: Covers the cost of damage to your vehicle caused by a collision as well as damage caused by your vehicle flipping over or hitting a pothole.\u00a0<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">Comprehensive<\/a>: Covers the cost of damage caused by something other than a collision with another car or object, such as theft or fire.\u00a0<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/motorist-coverage\/\">Uninsured and underinsured motorist<\/a>: Covers damage caused by a driver who is at-fault but does not have insurance or insurance that will fully cover the cost of damages.<\/li><li>Roadside assistance: Covers the cost of roadside services that may be required if your vehicle breaks down and needs to be towed. <\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Frequently asked questions \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions <\/h2>\n\n\n<div id=\"block_61d60aa214012\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Washington drivers are required to have liability coverage that is divided into bodily injury and property damage with limits applying to each.<\/p>\n<ul>\n<li>$25,000 bodily injury liability per person<\/li>\n<li>$50,000 bodily injury liability per accident<\/li>\n<li>$10,000 for property damage liability<\/li>\n<\/ul>\n<p>Insurance companies must also offer PIP and uninsured motorist coverage, but these options can be rejected in writing.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d60ac414013\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of auto insurance in Washington differs based on the type of coverage. The average annual cost of full coverage in Washington is $1,176. The average cost of minimum liability coverage in Washington is $463 per year.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d60ada14014\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Washington?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The cheapest minimum coverage car insurance in Washington, based on our research, is offered by USAA, Garrison, and Pemco. However, rates will vary based on your individual rating factors, so you may pay more or less than the average rates with these carriers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com scores products, services and companies using quantifiable criteria to help readers choose the best one for them. For the best car insurance in Washington, our editorial team compared affordability and rate stability, customer support, coverage options, complaint and satisfaction data, financial strength and online resources from each company. We used 2025 statewide analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a> satisfaction results; and official context such as the <a href=\"https:\/\/content.naic.org\">NAIC Auto Insurance Database Report<\/a> and <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t02.htm\">BLS CPI<\/a>. These scores are meant to help simplify the process of choosing which car insurance company is best for you.\u00a0<\/p>\n\n\n\n<p>For average pricing, we referenced multiple 2025 studies. \u201cFull coverage\u201d in consumer rate studies typically means liability plus comprehensive and collision with common deductibles; exact limits and vehicles vary by source. For illustration, many studies model limits similar to the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, sources use coverage that meets each state\u2019s requirements. Example base profiles often assume a late-model sedan, a five-day commute and roughly 12,000 miles annually, but specifics vary by source.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance is a legal requirement in Washington. If you\u2019ve shopped for auto insurance recently, you know there are dozens of options and prices have risen sharply since 2022 (see the BLS motor vehicle insurance CPI). It may seem overwhelming to choose the right car insurance company, especially if you are torn between wanting affordable [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358724,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[24367],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance Companies in Washington - Reviews.com<\/title>\n<meta name=\"description\" content=\"Washington\u2019s average car insurance rate is $1,077.65, according to the most recent report from NAIC. 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