6 Finest Automobile Insurance coverage Corporations in Washington State in 2025

This text gives the Information you want about automobile insurance coverage in Washington. IT identifies the most effective selections among the many insurers who write insurance policies within the Evergreen State, in addition to detailing the automobile insurance coverage you’re required to hold there. Additionally included is knowledge in regards to the state’s insurance coverage prices and their drivers – equivalent to what number of drivers are typically uninsured in contrast with different states, primarily based on knowledge from the Insurance coverage Information Institute.

What to find out about automobile insurance coverage in Washington

• Washington seems to be middling in contrast with different states when IT involves the price of automobile insurance coverage. Some surveys of premiums throughout the nation discover IT to be inexpensive than the norm, whereas others discover insuring a automobile within the state is relatively costly.
• Some areas of the Washington usually obtain heavy snowfalls, and snow tires or chains could also be required in sure places through the winter months.
• “Maria’s Legislation” – named for somebody blinded by a free piece of particle board – punishes drivers who trigger accidents to others by failing to correctly safe a load they’re carrying.

How we selected the most effective automobile insurance coverage in Washington

Cash’s picks for the most effective automobile insurance coverage in Washington all supply standout protection and are primarily based on the alternatives in our nationwide rating of the most effective automobile insurance coverage suppliers. We additionally take into account how firms fared within the 2025 J.D. Energy U.S. Auto Insurance coverage Examine, which features a rating of buyer satisfaction within the Southwest, and complaints knowledge from the Nationwide Affiliation of Insurance coverage Commissioners (NAIC). For extra particulars on how we choose picks, see the methodology under.

High picks for the most effective automobile insurance coverage firms in Washington

Evaluations of the most effective automobile insurance coverage firms in Washington

These insurers are prime picks amongst those who write auto insurance coverage insurance policies in Washington, primarily based on such components as their buyer satisfaction and number of choices. The most effective automobile insurance coverage firms in Washington have choices for good drivers to decrease their charges, reductions for bundling a number of insurance policies and versatile protection to assist drivers lower your expenses.

Listed in alphabetical order:

American Household scores about common in J.D Energy’s Auto Insurance coverage Buyer Satisfaction Examine for the Northwest and has far fewer complaints than common lodged nationally with the Nationwide Affiliation of Insurance coverage Commissioners for a corporation of its dimension.

Although the insurer’s charges are reportedly common at finest for a lot of drivers, the insurer could also be an excellent guess for these with flawed driving information. Drivers with DUI convictions, poor credit score or quite a few visitors tickets might get decrease charges than the norm with American Household, based on some analyses. The corporate generally gives below-average charges for teen drivers, too.

Amica is understood for top-notch service. Because of an absence of information, Amica is not ranked for buyer satisfaction within the Northwest from J.D. Energy. However the insurer ranks very nicely in areas through which IT‘s listed by the corporate. Additionally, Amica has fewer complaints lodged with the NAIC than could be anticipated for an insurer of its dimension. IT additionally has a standout B ranking from physique outlets and different restore services that report their experiences with insurers to the Crash Community. (The Community grades most insurers as C or decrease.)

The corporate’s telematics program stands out for permitting prospects to redeem good-driving rewards for present playing cards with retailers equivalent to Amazon and Goal.

Amica’s premiums are typically dearer than the norm in value comparisons, although, so that is an insurer finest suited to those that worth top-of-the-line customer support over price financial savings.

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GEICO is an honest, although not excellent, insurer in most respects. IT scored about common in buyer satisfaction within the Northwest within the 2025 J.D. Energy U.S. Auto Insurance coverage Examine. Its document for complaints with the NAIC is best than most insurers, although. Additionally, whereas GEICO’s premiums are usually middle-of-the-road, they’re generally notably inexpensive than these of rivals for some drivers.

An space the place GEICO stands out is in its telematics – or usage-based insurance coverage (UBI) – insurance policies. In its nationwide rankings, J.D. Energy ranks GEICO as among the many most satisfying for telematics-based insurance coverage.

GEICO’s UBI program, which runs on the corporate’s cellular app, contains the power to add a photograph of car injury and shortly obtain a restore estimate through the app, streamlining the claims course of.

GEICO stands out for providing an unusually big selection of reductions for which drivers will be eligible, together with potential reductions to members of alumni {and professional} associations and shoppers of different companies owned by GEICO’s dad or mum firm, Berkshire Hathaway.

The rating for The Hartford was nicely above common – and second solely to State Farm – in J.D. Energy’s most up-to-date rating of buyer satisfaction with auto insurance coverage within the Northwest. The corporate’s NAIC grievance index of 0.47 can be remarkably low.

The corporate’s premiums, although, are sometimes greater than another insurers on our listing, equivalent to GEICO. When you’re an AARP member, you’ll be able to earn a ten% low cost on automobile insurance coverage with The Hartford. Moreover, The Hartford gives different reductions for AARP members, equivalent to for bundling auto and residential insurance coverage, paying in full and having sure security options of their autos.

The Hartford’s insurance coverage advantages embrace RecoverCare. When you’re injured in a automobile accident, you’ll be able to rise up to $2,500 to cowl day-to-day bills like transportation, cooking, cleansing and extra.

Nationwide’s scores nicely above common in rankings of customer support for the Northwest by J.D. Energy. The insurer is among the many most satisfying in its claims dealing with, based on J.D. Energy, and its premiums are sometimes inexpensive than these of rivals.

The corporate additionally tops J.D. Energy’s rating for satisfaction with insurance coverage offered by telematics applications. Nationwide gives two such applications – one is concentrated on offering safe-driving reductions to prospects with common insurance policies, and the opposite lets drivers pay for insurance coverage protection by the mile. Each applications stand out as among the many comparatively few the place you don’t danger greater premiums if the telematics monitoring finds your driving to be missing. Neither program penalizes drivers with greater premiums if the monitoring software program flags dangerous driving behaviors.

Further pluses embrace an exceptionally beneficiant coverage for changing new vehicles which are declared to be a complete loss. Whereas most rivals will present a brand-new substitute in your automobile solely till the automobile is 2 years outdated, Nationwide extends that perk to vehicles which are as much as three years outdated.

J.D. Energy scores State Farm as nicely above common for buyer satisfaction within the Northwest, and the insurer has fewer complaints than the norm lodged with NAIC.

State Farm’s premiums will be inexpensive than some rivals, particularly when IT involves insuring teen drivers.

Certainly, State Farm stands out in different methods for insuring youthful drivers. IT gives teen drivers who preserve no less than a 3.0 GPA a Good Scholar Low cost of 25% till age 25, a steeper discount than most different firms. IT additionally gives a Scholar Away at College low cost that solely covers the coed – and solely prices for them – whereas they’re at residence for breaks and holidays, a possible cost-saver for households with drivers who’re at school.

A information to automobile insurance coverage in Washington

This is the Information and recommendation it is advisable guarantee your automobile insurance coverage protection in Washington is sufficient, each to fulfill the state mandates and to make sure you are well-protected.

Washington’s insurance coverage necessities

Like virtually all states, Washington imposes necessities for the kinds and quantities of automobile insurance coverage its drivers should carry. Listed below are the insurance coverage minimums it is advisable drive legally within the state.

Bodily Harm Legal responsibility Protection

This a part of your coverage protects you financially if you happen to injure somebody in an auto accident. Your obligations would possibly embrace funds for medical bills, ache and struggling and misplaced wages.

Washington requires drivers to hold minimal bodily damage legal responsibility protection of $25,000 per individual and $50,000 per accident.

Property Injury Legal responsibility Protection

This covers you if you happen to trigger injury to another person’s property in a automobile accident. The protection contains injury to different autos and property, equivalent to fences or different constructions.

Washington requires drivers to have no less than $15,000 per accident in property injury legal responsibility.

Uninsured Motorist Bodily Harm Protection

Washington is among the many worst states for the proportion of autos which are uninsured, with about one in 5 of its drivers missing insurance coverage.

Unsurprisingly, then, the state mandates that automobile insurance coverage offered within the state embrace protection to guard you if the accountable social gathering in a automobile accident lacks insurance coverage. The required uninsured motorist bodily damage protection is no less than $25,000 per individual and $50,000 per accident.

Medical Funds

This protection can assist pay for medical bills injured drivers and passengers face after an accident, no matter who’s at fault. Medical funds protection can cowl the prices of ambulance rides, hospital stays, surgical procedure and rehabilitation.

Washington doesn’t require drivers to hold this protection. Nonetheless, IT is accessible optionally, and specialists suggest carrying no less than $2,000 in medical funds insurance coverage.

Purchase greater than the minimal protection if you happen to can afford IT

Specialists suggest you get greater than the mandated minimums for automobile insurance coverage, offered your price range permits IT.

For legal responsibility protection, a frequent advice is to hold no less than $100,000 per individual and $300,000 per accident for bodily damage, together with $100,000 for property injury.

Carrying much less legal responsibility insurance coverage than these professional suggestions can prevent cash in your premiums. Nonetheless, IT may even enhance your monetary danger from an accident that causes a number of accidents. Such an occasion would possibly create a six-figure whole legal responsibility that would threaten property equivalent to your vehicles or residence if you happen to lack different means to pay for IT.

You must also take into account shopping for extra medical funds protection than the required state minimal. In accordance with many specialists, IT’s finest to pick out a medical-payments restrict that’s giant sufficient to cowl your Health insurance coverage annual deductible plus any potential out-of-pocket bills. Such a complete may simply exceed the state minimal of $2,000, particularly if you happen to usually have members of the family within the automobile with you.

Think about the protection lenders might require

Auto-Loan lenders need to be sure that their funding within the automobile is protected in case IT is broken or written off as a complete loss. If the automobile is financed, the lender holds the title till the Loan is paid off, in order that they must be sure the automobile is insured.

Along with carrying no less than the state minimums for legal responsibility protection, auto Loan lenders often require you to hold the next varieties of insurance coverage:

Complete insurance coverage, which covers injury to the automobile from occasions apart from collisions, equivalent to theft, vandalism or pure disasters.

Collision insurance coverage, which covers injury to the automobile in a collision with one other automobile or object.

GAP (for Assured Asset Safety) insurance coverage, which covers any shortfall between the depreciated worth of the automobile (the standard most payout within the occasion the automobile is written off for insurance coverage functions) and the remaining stability of the Loan.

When you fail to keep up the required insurance coverage protection, your lender might buy insurance coverage for you. That may be dearer than if you happen to purchased the protection your self, and the lender might add the price to your Loan stability, which suggests you’ll pay curiosity on IT.

Evaluation your Loan settlement to grasp the particular insurance coverage necessities of your lender.

How you can pay much less for automobile insurance coverage in Washington

Some easy methods can decrease the price of your automobile insurance coverage. (Along with taking a number of of the strikes under, you’ll be able to, after all, take into account altering insurers to get a lower cost; right here’s the best way to swap automobile insurance coverage.)

Analysis reductions

As in all states, firms that write automobile insurance coverage insurance policies in Washington supply a spread of reductions relying on how good your driving abilities are, how loyal you might be to your insurer and extra. Widespread fee reductions embrace these for sustaining a clear driving document, with no claims or visitors violations; taking a defensive driving course, which is now provided on-line; and sustaining good grades as a pupil.

Bundle insurance coverage insurance policies

A variety of insurers let you bundle your automobile insurance coverage with householders insurance coverage or renters insurance coverage and reward you with decrease charges on each. The low cost for bundling auto and residential insurance coverage usually ranges from about 5% to fifteen%, which suggests you would possibly save lots of of {dollars} a yr.

Enhance your deductible

The deductible is the portion of a declare you’re required to pay out of pocket earlier than your insurance coverage firm pays the remainder. Rising your deductible could make your premiums extra reasonably priced. Nonetheless, watch out to not elevate the quantity to a determine you’d be hard-pressed to pay within the occasion you have been to have an accident.

Evaluation your coverage repeatedly

IT’s sensible to reassess your coverage when IT comes up for annual renewal, or everytime you make life modifications that have an effect on IT, equivalent to including or subtracting drivers for the automobile or altering how far or how usually you commute. These critiques be sure that you get the protection you want, and solely that.

Cut back protection

You’ll be able to cut back your annual premium by dropping collision or complete protection on autos that don’t have a lease or Loan. Nonetheless, be cautious of eliminating this protection if you cannot afford to switch your automobile.

Think about usage-based insurance coverage

You’ll be able to probably save in a number of methods by switching to usage-based insurance coverage (UBI). With such protection, also referred to as “telematics,” you agree to make use of an app or system to watch driving behaviors like how briskly you drive, how shortly you flip and the way abruptly you brake.

You’ll be able to generally save for a time merely for attempting out telematics. After the trial, assuming your driving passes the take a look at, it is best to take pleasure in ongoing financial savings in your insurance coverage.

Store round for cheaper charges

Buying round and evaluating quotes from no less than three completely different insurance coverage suppliers can assist you get the most affordable fee with out sacrificing necessary protection. Nonetheless, resist letting charges and reductions alone decide your alternative. You must also take into account firms’ observe information for customer support, together with claims dealing with, and adaptability in account choices, equivalent to deductibles. You may also assess the insurers’ apps and different digital options.

Methodology

We chosen our picks by researching and evaluating the next components to reach on the standout firms. Elements are listed in tough order of significance in our evaluation:

• Buyer expertise: We favored firms that scored nicely in a number of credible satisfaction research. The place obtainable, we used the insurer’s buyer satisfaction rating for the Northwest in J.D. Energy’s 2025 U.S. Auto Insurance coverage Examine. The place unavailable, we used J.D. Energy nationwide knowledge on satisfaction with claims and the shopping experience. We thought of the complaints index of the Nationwide Affiliation of Insurance coverage Commissioners, the place a decrease quantity means the corporate acquired fewer complaints than could be anticipated for its dimension, and the CRASH Network’s report, which charges insurers primarily based on suggestions on claims dealing with from automotive collision restore professionals.
• Pricing profile: Whereas the automobile insurance coverage fee you’ll pay will fluctuate primarily based in your private components, we analyzed eight on-line analyses of automobile insurance coverage charges to find out every firm’s value profile in contrast with its rivals.
• Reductions: We rewarded the vary and generosity of every firm’s reductions, together with these for bundling automobile protection with different varieties of insurance coverage choices, remaining loyal and/or claim-free with the insurer, being an excellent pupil and taking a defensive driving course.
• Technology: Most insurers now use apps to facilitate acquiring premium quotes, submitting claims and extra. Corporations acquired credit score for the standard and performance of their apps, as mirrored in our reporting and J.D. Energy’s evaluation of the most effective auto insurance coverage apps.
• Monetary stability: An insurance coverage firm’s monetary stability will be gauged by its AM Finest monetary energy ranking. We selected insurers with an A ranking or higher.

Abstract of our picks for finest automobile insurance coverage in Washington