Discover the top auto insurance providers in Washington State, their yearly premiums, and legal requirements. Find tips for choosing affordable and comprehensive coverage options tailored to different driver profiles, including high-risk and young drivers. Ensure your vehicle is protected with the right policy that meets state mandates and fits your budget.

Top Auto Insurance Providers in Washington

Driving a vehicle in Washington comes with responsibilities like safeguarding against accidents and damages. Finding the right auto insurance policy ensures you stay protected and stress-free. With numerous insurers available, picking the best can be overwhelming.

Legally, Washington drivers must have auto insurance coverage. Many companies offer competitive quotes to suit different budgets and needs, from basic to comprehensive plans.

The state requires liability insurance with set minimums, or alternatively, a liability bond of at least $60,000. The minimum auto insurance coverage includes:

$25,000 for injury or death to one person

$50,000 for injuries or deaths to multiple individuals

$10,000 for property damage

Exceptions exist for motorcycles, scooters, mopeds, vintage vehicles, and government-owned cars.

Once familiar with these legal minimums, you can explore leading auto insurance providers in the state. Here are some trusted options along with their estimated annual premiums:

PEMCO Insurance: $627 to $774 per year with competitive rates.

GEICO: Starting at $627, up to $821 annually.

Farmers Insurance: Around $962 annually, with discounts available.

State Farm: About $774 per year, suitable for budget-friendly coverage for young drivers.

Metromile: Pay-per-mile pricing model based on miles driven.

USAA: Ideal for military members and families.

Erie: Approximately $1,347 yearly.

Progressive: From $2,246 annually, slightly higher than others.

Liberty Mutual: Around $2,748 per year, offering premium services.

Allstate: Wide coverage options with various discounts.

Drivers considered high-risk due to past accidents might face higher premiums but can still find suitable plans. The average annual insurance cost in Washington is about $884. Teen drivers could pay as little as $438/month, which can be lowered to roughly $278/month when combined with parental policies.

Ensure you carry proof of insurance during every drive and compare policies carefully to find the best plan for your budget and needs.