Mario Cazombo

6 Best Car Insurance Companies in Washington State in 2025

This article offers the information you need about car insurance in Washington. It identifies the best choices among the insurers who write policies in the Evergreen State, as well as detailing the car insurance you’re required to carry there. Also included is data about the state’s insurance costs and their drivers – such as how many drivers tend to be uninsured compared with other states, based on data from the Insurance Information Institute. What to know about car insurance in Washington Washington appears to be middling compared with other states when it comes to the cost of car insurance. Some surveys of premiums across the country find it to be less expensive than the norm, while others find insuring a car in the state is comparatively expensive. Some regions of the Washington often receive heavy snowfalls, and snow tires or chains may be required in certain locations during the winter months. “Maria’s Law” – named for someone blinded by a loose piece of particle board – punishes drivers who cause injuries to others by failing to properly secure a load they’re carrying. How we chose the best car insurance in Washington Money’s picks for the best car insurance in Washington all offer standout coverage and are based on the selections in our national ranking of the best car insurance providers. We also consider how companies fared in the 2025 J.D. Power U.S. Auto Insurance Study, which includes a ranking of customer satisfaction in the Southwest, and complaints data from the National Association of Insurance Commissioners (NAIC). For more details on how we select picks, see the methodology below. Top picks for the best car insurance companies in Washington American Family Amica GEICO The Hartford Nationwide State Farm Reviews of the best car insurance companies in Washington These insurers are top picks among those that write auto insurance policies in Washington, based on such factors as their customer satisfaction and variety of offerings. The best car insurance companies in Washington have options for good drivers to lower their rates, discounts for bundling multiple policies and flexible coverage to help drivers save money. Listed in alphabetical order: HIGHLIGHTS Satisfaction About average in the Northwest (J.D. Power rating of 626/1,000; average is 629) Complaints Much better than most: NAIC (Index: 0.47; 1.0 is average) Financial stability Excellent: AM Best (Rating: A) American Family scores about average in J.D Power’s Auto Insurance Customer Satisfaction Study for the Northwest and has far fewer complaints than average lodged nationally with the National Association of Insurance Commissioners for a company of its size. Though the insurer’s rates are reportedly average at best for many drivers, the insurer may be a good bet for those with flawed driving records. Drivers with DUI convictions, poor credit or a number of traffic tickets may get lower rates than the norm with American Family, according to some analyses. The company sometimes offers below-average rates for teen drivers, too. HIGHLIGHTS Satisfaction Not qualified for listing in the Northwest but ranked first in customer satisfaction in New England by J.D. Power Complaints Much better than most: NAIC (Index: 0.57; 1.0 is average) Financial stability Superior: AM Best (Rating, A+) Amica is known for top-notch service. Due to a lack of data, Amica isn’t ranked for customer satisfaction in the Northwest from J.D. Power. But the insurer ranks very well in regions in which it’s listed by the company. Also, Amica has fewer complaints lodged with the NAIC than would be expected for an insurer of its size. It also has a standout B rating from body shops and other repair facilities that report their experiences with insurers to the Crash Network. (The Network grades most insurers as C or lower.) The company’s telematics program stands out for allowing customers to redeem good-driving rewards for gift cards with merchants such as Amazon and Target. Amica’s premiums tend to be more expensive than the norm in price comparisons, though, so this is an insurer best suited to those who value top-of-the-line customer service over cost savings. HIGHLIGHTS Satisfaction About average in the Northwest: J.D. Power (631/1,000: average is 629) Complaints Better than most: NAIC (index: 0.75; 1.0 is average) Financial stability Superior: AM Best (Rating, A++) ” GEICO is a decent, though not outstanding, insurer in most respects. It scored about average in customer satisfaction in the Northwest in the 2025 J.D. Power U.S. Auto Insurance Study. Its record for complaints with the NAIC is better than most insurers, though. Also, while GEICO’s premiums are generally middle-of-the-road, they’re sometimes notably less expensive than those of competitors for some drivers. An area where GEICO stands out is in its telematics – or usage-based insurance (UBI) – policies. In its national rankings, J.D. Power ranks GEICO as among the most satisfying for telematics-based insurance. GEICO’s UBI program, which runs on the company’s mobile app, includes the ability to upload a photo of vehicle damage and quickly receive a repair estimate via the app, streamlining the claims process. GEICO stands out for offering an unusually wide array of discounts for which drivers can be eligible, including possible discounts to members of alumni and professional associations and clients of other businesses owned by GEICO’s parent company, Berkshire Hathaway. HIGHLIGHTS Satisfaction Above average in the Northwest: J.D. Power (645/1,000; average is 629) Complaints Better than most: NAIC (Index 0.86; 1.0 is average) Financial stability Superior AM Best (Rating:A+) The score for The Hartford was well above average – and second only to State Farm – in J.D. Power’s most recent ranking of customer satisfaction with auto insurance in the Northwest. The company’s NAIC complaint index of 0.47 is also remarkably low. The company’s premiums, though, are often higher than some other insurers on our list, such as GEICO. If you’re an AARP member, you can earn a 10% discount on car insurance with The Hartford. Additionally, The Hartford offers other discounts for AARP members, such as for bundling auto and home insurance, paying in full and having certain safety

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