Best Auto Insurance for Seniors in Washington (Find the Top 10 Companies for 2024 Here!)

Drivers will find the best auto insurance for seniors in Washington at State Farm, Allstate, and Progressive starting at $36/month for minimum coverage.

The best Washington auto insurance companies have comprehensive coverage options, multiple discounts, and other perks for senior drivers.

Our Top 10 Company Picks: Best Auto Insurance for Seniors in Washington

Read on to learn more about the pros and cons of the best auto insurance companies for seniors in Washington.

You can also compare rates with our free tool to find affordable senior auto insurance rates in Washington.

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#1 – State Farm: Top Pick Overall

Pros

• Local Agents: State Farm has local Washinton agents around the state to help provide personalized assistance to senior drivers.
• Roadside Assistance: Senior drivers can add Washington roadside assistance to their policies for help with tows and breakdowns.
• Cheap Rates: WA auto insurance rates for seniors are cheap with State Farm at $30/month. Visit our State Farm review for more rate information.

Cons

• Financial Rating: State Farm’s “B” rating from A.M. Best makes it the least financially stable company for senior drivers in Washington.
• Online Management: Senior drivers in Washington won’t be able to do as many tasks online.

#2 – Allstate: Best for Senior Discount

Pros

• Senior Discount: Allstate offers a mature driver discount in Washington to senior drivers over the age of 55.
• Pay-Per-Mile Insurance: Senior drivers in Washington can sign up for Allstate Milewise or Milewise Unlimited to get lower rates. Learn how in our Milewise review.
• Coverage Options: Seniors can add coverages as needed to their Washington policies. Learn what Allstate has in our Allstate review.

Cons

• Customer Complaints: Allstate has a higher ratio of complaints than other senior driver companies in Washington.
• Expensive Full Coverage: While not the priciest senior driver company in Washington, Allstate isn’t the cheapest either.

#3 – Progressive: Best for Competitive Pricing

Pros

• Competitive Pricing: Progressive has the cheapest senior car rates on average for Washington drivers at $26/month.
• Discount Options: Washington seniors can save with bundling discounts, low mileage, paying online, and more.
• Unique Coverages: Progressive sells extras like modified car insurance to Washington senior drivers. Learn what else you can buy in our Progressive review.

Cons

• Snapshot Program Unavailable: Washington seniors will be unable to join Snapshot for a good driver discount.
• Customer Service: Averages ratings don’t make Progressive stand out among the best Washington senior companies.

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#4 – Farmers: Best for Customizable Coverage

Pros

• Customizable Coverage: Senior drivers in Washington can easily customize their coverages on their auto insurance policies.
• Signal Program: Washington senior drivers can join the Farmers usage-based insurance plan to earn a good driving discount. See how much you can save in our Farmers Signal review.
• Roadside Assistance: Senior drivers can add this to their Washington coverage for help with breakdowns. Learn what else you can buy in our Farmers review.

Cons

• Online Management: Local agents in Washington may result in fewer online tools for senior policy management.
• Claims Processing: There are some negative reviews from seniors about Washington insurance claims processing at Farmers.

#5 – Liberty Mutual: Best for Multi-Car Discount

Pros

• Multi-Car Discount: Senior Washington drivers who insure more than one vehicle at Liberty Mutual will get a discount on coverages.
• Coverage Options: Senior drivers in Washington have plenty of choices for their policies. Read our Liberty Mutual review to find out more.
• RightTrack Program: Senior drivers can earn a good driver discount on Washington insurance. Find out how in our RightTrack review.

Cons

• Customer Reviews: Liberty Mutual’s negative feedback from some customers doesn’t make it stand out among the best senior driver companies in Washington.
• Fewer Local Agents: Senior drivers may have trouble finding a local insurance agent in Washington to visit in person.

#6 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Nationwide forgives first accidents for safe senior drivers in Washington.
• Coverage Options: Washington senior drivers will have plenty of choices. Learn what Nationwide sells in our Nationwide review.
• Pay-Per-Mile Insurance: Senior drivers can join SmartMiles in Washington for lower rates based on mileage. Read our SmartMiles review to see if you qualify.

Cons

• Customer Reviews: Nationwide’s customer satisfaction ratings aren’t as great as other senior driver companies in Washington.
• Fewer Local Agents: Senior drivers may have trouble finding a local agent for in-person assistance in Washington.

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#7 – The Hartford: Best for AARP Partnership

Pros

• AARP Partnership: The Hartford offers insurance tailored specifically to AARP members in Washington.
• Roadside Assistance: Senior drivers can add this coverage to their Washington policies. Learn more in our review of The Hartford.
• Bundling Discount: Senior drivers can buy other Washington insurance policies for a discount.

Cons

• Higher Rates: The Hartford’s average rates for senior drivers in Washington are higher than those of the other companies on our list.
• Customer Satisfaction: Customer ratings aren’t as high as at other senior driver companies in Washington.

#8 – Travelers: Best for Safety Discounts

Pros

• Safety Discounts: Seniors who have safety features on their vehicles will get lower Washington insurance rates. Learn about other discounts in our Travelers review.
• IntelliDrive Program: Senior drivers can earn a discount on Washington insurance through IntelliDrive.
• Financial Stability: Travelers is one of the best-rated companies for financial management out of the senior driver companies in Washington.

Cons

• IntelliDrive Rate Changes: Instead of a discount, Washington seniors could have increased rates if they drive badly. Read our IntelliDrive review to learn more.
• Customer Satisfaction: Travelers doesn’t have the highest ratings out of the senior driver Washington companies.

#9 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: AAA offers several different roadside assistance plans to senior drivers in Washington. Read our AAA review to learn more.
• Bundling Discount: AAA sells more than auto insurance policies to Washington seniors.
• Coverage Options: Washington senior drivers can purchase extras for their vehicles or carry the Washington bare minimum requirements.

Cons

• Higher Rates: AAA senior auto insurance rates are more expensive in Washington.
• Membership Fee: Washington senior drivers must also pay a small annual membership fee to get AAA insurance.

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#10 – Auto-Owners: Best for Personalized Service

Pros

• Personalized Service: Senior drivers will get personalized service from Washington representatives.
• Coverage Options: Auto-Owners offers several different choices for senior drivers in Washington. Read our Auto-Owners review to learn more.
• Customer Satisfaction: Most customer reviews are positive, making auto-owners one of the better-rated senior driver companies in Washinton.

Cons

• Higher Rates: WA car insurance is more expensive for seniors with Auto-Owners than other companies.
• Online Management: Senior drivers in Washington will find the Auto-Owners’ app more limiting than other companies.

Compare Washington Senior Auto Insurance by Coverage Type

Some companies offer full coverage at lower rates than others. The table below shows the average senior car insurance rates from the best Washington companies based on coverage types.

Washington Senior Auto Insurance Monthly Rates by Coverage Level & Provider

Progressive and State Farm have the cheapest average rates for senior drivers looking for Washington full coverage auto insurance policies. Minimum coverage will be the cheapest option for seniors. It fulfills the Washington minimum auto insurance requirements, but most drivers should opt for full coverage if they can afford it.

Even if you drive an older car, full coverage can cover the cost of repairs that might be otherwise unaffordable, especially for retired seniors living on a fixed income. Additionally, comprehensive coverage safeguards against non-driving-related incidents, such as theft or weather damage.

How to Save Money on Senior Auto Insurance in Washington

While Washington senior driver insurance rates are already low, seniors can save even more by applying for auto insurance discounts at the top companies.

Most retired senior drivers in Washington will qualify for a low-mileage auto insurance discount if they drive fewer than 10,000 miles per year. Some companies even offer pay-per-mile insurance, such as Allstate Milewise.

In addition to low mileage discounts and pay-per-mile auto insurance options, senior drivers can also save on Washington auto insurance by adjusting their coverage’s deductibles.

A higher deductible will lower auto insurance rates for senior drivers, although drivers should never pick a deductible amount they wouldn’t be able to pay out of pocket after an accident.

Completing a defensive driving course can also lead to lower premiums, as it demonstrates a commitment to safe driving. Most Washington insurance companies provide mature driver discounts to those over 55 who complete approved online courses.

Read More: Why You Should Take a Defensive Driving Class

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Get the Best Senior Driver Auto Insurance in Washington

State Farm, Allstate, and Progressive offer the best auto insurance for seniors in Washington. Senior drivers should get quotes from a few of the top companies to find one that is within their budget and fulfills their coverage needs. Learn how to compare auto insurance quotes.

Ready to jump into finding the best senior driver insurance in Washington? Enter your ZIP in our free quote tool to find affordable WA senior rates now.

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