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Best Cheap Car Insurance in Washington for 2021

Dec. 11, 2020
Auto Insurance, Insurance
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Quotes for auto coverage can land all over the place depending on which companies you shop with, so comparing rates is crucial if you want cheap car insurance in Washington.

To help shoppers find the best deal, NerdWallet looked at rates from 25 car insurers in the state and found the cheapest options for several types of drivers.

Cheapest for 20-year-old drivers in Washington

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in Washington for 20-year-olds

Drivers in Washington with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. CIG: $1,686 per year.
  2. Geico: $1,769 per year.
  3. Mutual of Enumclaw: $1,899 per year.
  4. Pemco: $1,938 per year.
  5. Travelers: $1,989 per year.

Cheapest minimum coverage in Washington for 20-year-olds

Drivers in Washington who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Pemco: $682 per year.
  2. Geico: $698 per year.
  3. California Casualty: $720 per year.
  4. CIG: $755 per year.
  5. Travelers: $775 per year.

Cheapest coverage for 20-year-olds with poor credit in Washington

Drivers with poor credit in Washington should look at the following insurers with the lowest average rates for minimum coverage:

  1. Travelers: $1,127 per year.
  2. Mutual of Enumclaw: $1,142 per year.
  3. Geico: $1,163 per year.
  4. California Casualty: $1,177 per year.
  5. CIG: $1,246 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Washington

For drivers with a recent accident in Washington, here are the companies with the lowest average rates for minimum coverage:

  1. Pemco: $828 per year.
  2. Geico: $829 per year.
  3. California Casualty: $975 per year.
  4. Travelers: $1,010 per year.
  5. Oregon Mutual: $1,039 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Washington

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. CIG: $889 per year.
  2. Progressive: $969 per year.
  3. Pemco: $982 per year.
  4. Chubb: $1,111 per year.
  5. Travelers: $1,160 per year.

Cheapest for 30-year-old drivers in Washington

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Washington for 30-year-olds

Drivers in Washington with clean driving records may get the lowest rates from these companies:

  1. Geico: $898 per year.
  2. Oregon Mutual: $905 per year.
  3. Pemco: $1,004 per year.
  4. CIG: $1,103 per year.
  5. Progressive: $1,111 per year.

Cheapest minimum coverage in Washington for 30-year-olds

Drivers in Washington who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Pemco: $288 per year.
  2. Geico: $329 per year.
  3. Oregon Mutual: $341 per year.
  4. Grange Insurance Association: $351 per year.
  5. Progressive: $387 per year.

Cheapest coverage for 30-year-olds with poor credit in Washington

Drivers with poor credit in Washington should consider the following companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,347 per year.
  2. Grange Insurance Association: $1,414 per year.
  3. Geico: $1,496 per year.
  4. Mutual of Enumclaw: $1,783 per year.
  5. Progressive: $1,797 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Washington

For drivers in Washington with a recent accident, here are the lowest average rate options for full coverage:

  1. Oregon Mutual: $1,004 per year.
  2. Pemco: $1,259 per year.
  3. Geico: $1,319 per year.
  4. State Farm: $1,527 per year.
  5. Travelers: $1,565 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Washington

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Oregon Mutual: $1,270 per year.
  2. Progressive: $1,364 per year.
  3. Pemco: $1,462 per year.
  4. CIG: $1,539 per year.
  5. Chubb: $1,672 per year.

Cheapest for 40-year-old drivers in Washington

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Washington for 40-year-olds

Drivers in Washington with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Oregon Mutual: $813 per year.
  2. Geico: $898 per year.
  3. Pemco: $982 per year.
  4. Progressive: $1,054 per year.
  5. Travelers: $1,087 per year.

Cheapest minimum coverage in Washington for 40-year-olds

Drivers in Washington who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Pemco: $297 per year.
  2. Oregon Mutual: $313 per year.
  3. Geico: $329 per year.
  4. Grange Insurance Association: $351 per year.
  5. Progressive: $372 per year.

Cheapest coverage for 40-year-olds with poor credit in Washington

Drivers with poor credit in Washington can check out the following insurers with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,240 per year.
  2. Grange Insurance Association: $1,414 per year.
  3. Geico: $1,496 per year.
  4. Mutual of Enumclaw: $1,650 per year.
  5. Progressive: $1,714 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Washington

For drivers with a recent accident living in Washington, here are the companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $927 per year.
  2. Pemco: $1,302 per year.
  3. Geico: $1,319 per year.
  4. State Farm: $1,487 per year.
  5. Travelers: $1,490 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Washington

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Oregon Mutual: $1,194 per year.
  2. Progressive: $1,302 per year.
  3. CIG: $1,539 per year.
  4. Pemco: $1,543 per year.
  5. Chubb: $1,594 per year.

Cheapest for 50-year-old drivers in Washington

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Washington for 50-year-olds

Drivers in Washington with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $775 per year.
  2. Oregon Mutual: $802 per year.
  3. Mutual of Enumclaw: $947 per year.
  4. Progressive: $957 per year.
  5. Pemco: $972 per year.

Cheapest minimum coverage in Washington for 50-year-olds

Drivers in Washington who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $279 per year.
  2. Pemco: $297 per year.
  3. Oregon Mutual: $309 per year.
  4. Grange Insurance Association: $336 per year.
  5. Progressive: $343 per year.

Cheapest coverage for 50-year-olds with poor credit in Washington

Drivers with poor credit in Washington can check with the following companies, which showed the lowest average rates for full coverage:

  1. Oregon Mutual: $1,227 per year.
  2. Geico: $1,290 per year.
  3. Grange Insurance Association: $1,364 per year.
  4. Mutual of Enumclaw: $1,421 per year.
  5. Progressive: $1,562 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Washington

For drivers living in Washington with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Oregon Mutual: $941 per year.
  2. Geico: $1,196 per year.
  3. Pemco: $1,339 per year.
  4. State Farm: $1,452 per year.
  5. Mutual of Enumclaw: $1,461 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Washington

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Oregon Mutual: $1,223 per year.
  2. Progressive: $1,234 per year.
  3. CIG: $1,492 per year.
  4. Chubb: $1,554 per year.
  5. Mutual of Enumclaw: $1,574 per year.

Cheapest for 65-year-old drivers in Washington

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Washington for 65-year-olds

Drivers in Washington with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $742 per year.
  2. Oregon Mutual: $883 per year.
  3. Pemco: $1,012 per year.
  4. CIG: $1,013 per year.
  5. Progressive: $1,027 per year.

Cheapest minimum coverage in Washington for 65-year-olds

Drivers in Washington who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $256 per year.
  2. Pemco: $318 per year.
  3. Chubb: $352 per year.
  4. Grange Insurance Association: $356 per year.
  5. Oregon Mutual: $360 per year.

Cheapest coverage for 65-year-olds with poor credit in Washington

Drivers with poor credit in Washington can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,235 per year.
  2. Oregon Mutual: $1,364 per year.
  3. Grange Insurance Association: $1,434 per year.
  4. Mutual of Enumclaw: $1,579 per year.
  5. Progressive: $1,653 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Washington

For drivers with a recent accident living in Washington, here are the companies with the lowest average rates for full coverage:

  1. Oregon Mutual: $1,061 per year.
  2. Geico: $1,163 per year.
  3. CIG: $1,320 per year.
  4. Chubb: $1,339 per year.
  5. State Farm: $1,369 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Washington

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Chubb: $1,339 per year.
  2. Oregon Mutual: $1,372 per year.
  3. Progressive: $1,440 per year.
  4. CIG: $1,476 per year.
  5. State Farm: $1,589 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest three auto insurance options for 21 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in Washington

Washington drivers are required to purchase liability insurance. If you’re ever found at fault in a car accident, liability coverage pays for others’ property damage and injury expenses so you don’t have to cover these bills out of your own pocket.

The minimum auto liability limits in Washington are:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per crash.
  • $10,000 property damage liability per crash.

While this will be enough to drive legally, it’s usually wise to select more than the bare minimum, because a serious crash could easily leave you owing more than, say, $10,000 in property damage. You might also want common optional coverages such as collision, comprehensive and uninsured motorist protection.

Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the parts of your Washington auto policy work.

Alternative car insurance in Washington

Drivers who are denied coverage on the voluntary market because of poor credit, a spotty driving record or other factors can apply for a policy through the Washington Automobile Insurance Plan.

Or, you could forgo auto insurance entirely by posting a certificate of deposit with the state for at least $60,000 to prove your financial responsibility under Washington law.

For more help finding great rates on your Washington auto coverage, try NerdWallet’s tool for car insurance comparisons.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.