Don’t waste your time searching for scattered car insurance information for Washington drivers. We have it all here—from cheapest auto insurance by company to the most popular car insurance providers. If you live anywhere from Seattle to Spokane, this car insurance information page is for you.

What Are You Looking For?

Washington’s Cheapest Providers

After looking at 15 Washington cities and driver profiles of people who have a 2013 Honda Civic LX (4-door), good credit, and no accidents on record, we were able to calculate the cheapest car insurance premiums for the state of Washington. Rates more than double from the cheapest to most expensive options, so take a look.

 Average Annual Rate
Farmers$771.07
PEMCO$836.62
Progressive$848.84
Allstate$868.62
Travelers$926.18
Safeco$953.11
Liberty Mutual$1,156.98
GEICO$1,504.31
Nationwide$1,558.62
Allied$1,561.96

*These rates don’t include information from 18-year old drivers.

How Much Drivers Like You Spend On Auto Insurance

Car insurance companies use millions of data points to determine premiums. We narrowed that down a bit by calculating annual premiums for certain driver types—like young drivers and married couples. Check it out below for a more accurate view of what you could be paying for car insurance.

Cheapest For Millennials

Based on 18 and 25-year old men and women drivers, our research revealed the cheapest car insurance companies in Washington for this age group. You’ll find a huge range of options from cheap to expensive.

 Average Annual Rate
PEMCO$1,372.47
Allstate$1,803.93
Safeco$1,926.47
Farmers$1,975.93
Travelers$1,976.00
Progressive$2,196.67
Liberty Mutual$2,466.93
Nationwide$2,828.92
GEICO$3,004.00
Allied$3,094.13

How Rates For Young Women Drivers Change As You Age

Female drivers between 18 and 25 spend about 10% less for auto coverage than their male peers. You’ll also spend less between your 18th and 25th birthdays. Take a look.

 18 Year Old Female25 Year Old FemaleDifference in Rates
Travelers$5,126.00$922.50-82%
PEMCO$1,717.14$924.75-46%
Farmers$2,974.57$933.00-69%
Allstate$2,231.43$955.50-57%
Progressive$3,009.14$970.00-68%
Liberty Mutual$2,636.57$1,217.00-54%
Safeco$2,596.00$1,295.25-50%
Allied$3,333.43$1,791.00-46%
Nationwide$4,504.29$1,837.25-59%
GEICO$3,379.14$2,547.50-25%

How Rates For Young Male Drivers Change As You Age

Male drivers between 18 and 25 pay about 10% more for annual auto insurance coverage than women their own age. The rates do drop a lot between at and 25 though and you’ll also see the discrepancy between what male and female drivers pay even out too. Allstate does have the biggest drop between age groups and seems to show a preference to having this type of driver on its policies.

 18 Year Old Male25 Year Old MaleDifference in Rates
Allstate$3,117.00$845.43-73%
PEMCO$1,935.25$896.29-54%
Farmers$3,063.00$926.86-70%
Travelers$930.00N/A
Safeco$2,836.25$938.57-67%
Progressive$3,809.00$943.43-75%
Liberty Mutual$4,377.75$1,542.00-65%
GEICO$4,361.00$1,599.71-63%
Nationwide$4,880.00$1,700.86-65%
Allied$5,144.00$2,001.43-61%

Cheapest For Married Couples

After analyzing data from 40 and 60-year old married couples, we ran numbers to find the cheapest car insurance companies in Washington. Turns out, Farmers is number one and Nationwide is number 10—coming in with double the average of Farmers policies.

 Average Yearly Rates
Farmers$691.53
Progressive$794.47
PEMCO$799.20
Allstate$850.87
Safeco$865.27
Travelers$926.27
Liberty Mutual$1,051.13
GEICO$1,203.87
Allied$1,398.33
Nationwide$1,451.13

City Rates

Depending on where you live, you’ll pay a different car insurance premium than your neighbor. After calculating premium averages across the state of Washington, we found city averages to give you a good idea of what your neighbors are paying. Tacoma is one of Washington’s most expensive cities for car insurance, while Vancouver, Washington is solidly in the middle.

 Average Annual Rate
Kennewick$1,335.50
Bellingham$1,361.18
Yakima$1,410.35
Greenacres$1,447.85
Spokane$1,482.40
Bellevue$1,523.21
Kirkland$1,589.45
Vancouver$1,596.75
Everett$1,688.42
Renton$1,717.49
Kent$1,721.90
Seattle$1,808.05
Auburn$1,825.32
Federal Way$1,843.47
Tacoma$1,925.37

Most Popular Washington Car Insurance Providers

Market share is a great way to gauge the popularity of a company. It shows the percentage of customers an insurance provider has compared to competitors. State Farm leads the state in most customers with just over 15%. The Hartford has much less at only 3.13%.

If you want to get an idea of how a certain car insurance provider is, look at this chart. Usually the majority goes with a company because they like their pricing, offerings, coverage, and customer service.

 Market Share %
State Farm15.4
Liberty Mutual10.59
Allstate10.4
GEICO8.5
Progressive8.4
Farmers8.22
USAA7.7
PEMCO5.99
American Family3.67
The Hartford3.13

Customer Satisfaction Ratings

A “complaint index” conveys the percentage of complaints a company gets compared to how many customers it has. Lower numbers mean less complaints and higher percentages indicate more unhappy customers. Pemco is Washington’s best when it comes to a low complaint index which means they’re probably pretty good at keeping customers happy.

Take a look to see how your car insurance company of interest is doing with customers.

 Number of ComplaintsPremiums WrittenComplaint Ratio Per 1 Million in Premiums
Pemco27$251,075,5080.11
Markel1$7,677,6110.13
Country Insurance9$56,418,4150.16
Capital Insurance1$5,304,0080.19
Mutual Of Enumclaw18$90,147,3570.20
Allied3$14,844,1180.20
Amica Mutual5$23,550,0460.21
State Farm163$645,920,193.430.25
MetLife16$61,335,5420.26
Safeco45$155,074,2380.29
Travelers14$46,147,8260.30
Progressive108$352,134,5200.31
Farmers110$319,323,5820.34
Liberty Mutual101$285,747,2620.35
Allianz1$2,820,7480.35
Allstate144$404,633,9300.36
USAA129$322,703,0150.40
Nationwide26$63,341,3770.41
Grange Insurance1$2,375,9550.42
Oregon Mutual Insurance4$9,459,0530.42
California Casualty3$7,017,9500.43
21st Century8$18,003,9130.44
IDS25$54,456,4170.46
QBE9$19,342,5430.47
Hallmark Financial2$4,280,7500.47
GEICO168$356,256,9670.47
American National3$6,173,1900.49
Horace Mann2$4,055,4890.49
Esurance16$31,676,7740.51
The Hartford70$131,295,1410.53
MAPRE12$19,702,3730.61
Topa Insurance2$3,236,1530.62
American Family99$152,555,3310.65
Amtrust31$44,040,0300.70
Dairyland50$55,358,2490.90
National General13$13,504,6890.96
Kemper Corporation22$19,582,1041.12
American Independent Insurance49$19,760,3962.48
Titan Insurance6$2,395,6152.50
Pacific Indemnity11$3,841,6652.86
WBL Group3$692,9044.33

Our Recommendation

We put all of this research and data analysis together for you so you can make the best decision on a car insurance company. Now, we hope you’ll use this insight to pick the best overall company and not one that’s great in one category, but so-so in others.

For example, Pemco is a standout in all categories based on our research—including customer service, market share, and cheap pricing. Allstate, Farmers, and Progressive all came in the top ten for cheapest premiums and market share, but not customer service.

If you still need some help, don’t worry. There are agents who are ready to assist you with questions and shopping around for quotes. Give them a call to get started today.

Where We Found The Facts

Unless you drive a 2013 Honda Civic LX (4-door) and have good credit and no accidents on record, the rates you see on this page probably won’t be what you’ll get. They might not be far off, but since car insurance companies use such precise data when determining claims, you’ll have to be spot on to get the same exact premium. We wanted to give you an idea of what you can expect to pay compared to drivers like you, but set the right expectations when you go quote hunting so you won’t be surprised.

Source Links:

  • Ratekick.com
  • https://fortress.wa.gov/oic/complaints/complaints.aspx?Type=PP&Year=2014&Name=

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