Cheap Car Insurance in Washington
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Washington Car Insurance Minimums
Washington requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$10,000
At-fault (tort) state.
Source: RCW 46.30; RCW 48.22.030; RCW 48.22.085, verified 2026-09-01.
What drives car insurance rates in Washington
Average spend per insured vehicle, 2023
$1,152
Washington drivers spent $1,152 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
85.7¢
Auto insurers in Washington paid 85.7 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.21
Washington recorded 730 traffic deaths in 2024, 1.21 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
259
Washington reported 20,724 motor vehicle thefts in 2025, 259 per 100,000 residents, from 433.5 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#5
FEMA ranks Washington #5 of 51 for expected annual loss from natural hazards; earthquake accounts for 54% of that loss, and comprehensive coverage is what pays for earthquake damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Washington
The ten insurer groups that wrote the most auto premium in Washington in 2025, with their share of the state total of $8.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 18.76% | $1.6 billion |
| 2 | Progressive Group | 17.09% | $1.5 billion |
| 3 | Allstate Insurance Group | 11.26% | $968 million |
| 4 | Berkshire Hathaway Group | 9.29% | $798 million |
| 5 | United Services Automobile Association Group | 9.25% | $794 million |
| 6 | Liberty Mutual Group | 8.27% | $710 million |
| 7 | Farmers Insurance Group | 5.74% | $493 million |
| 8 | Pemco Mutual Insurance Co. | 4.01% | $344 million |
| 9 | American Family Insurance Group | 3.51% | $302 million |
| 10 | Travelers Group | 2.68% | $231 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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