Best Auto Insurance for Seniors in Washington (Top 10 Companies for 2025)
Drivers can find the best auto insurance for seniors in Washington at State Farm, Allstate, and Progressive, with rates from $26 per month. Seniors in WA can get affordable car insurance with low-mileage discounts and completing a defensive driving course. Compare auto insurance for seniors to find cheap coverage.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Feb 19, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,760 reviewsCompany Facts
Full Coverage for Seniors in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
11,413 reviewsCompany Facts
Full Coverage for Seniors in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
13,128 reviewsCompany Facts
Full Coverage for Seniors in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsDrivers will find the best auto insurance for seniors in Washington at State Farm, Allstate, and Progressive, starting at $26 per 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
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | B | Local Agents | State Farm |
 | #2 | 10% | A+ | Senior Discount | Allstate |
 | #3 | 5% | A+ | Competitive Pricing | Progressive |
 | #4 | 8% | A | Customizable Coverage | Farmers |
 | #5 | 12% | A | Multi-Car Discount | Liberty Mutual |
 | #6 | 10% | A+ | Accident Forgiveness | Nationwide |
 | #7 | 15% | A+ | AARP Partnership | The Hartford |
 | #8 | 8% | A++ | Safety Discounts | Travelers |
 | #9 | 12% | AAA | Roadside Assistance | AAA |
 | #10 | 20% | A++ | Personalized Service | Auto-Owners |
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.
- Senior drivers in WA have the cheapest rates on average
- State Farm has the best car insurance for seniors in Washington at $26 per month
- Allstate and Progressive are great for low-mileage discounts
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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 Support: 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 per month. Visit our State Farm auto insurance review for more 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.
- Digital Operations: 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.
- Per-Mile Auto Insurance: Senior drivers in Washington can sign up for Allstate Milewise or Milewise Unlimited to get lower rates. Learn how in our Allstate Milewise review.
- Coverage Types: Seniors can add coverages as needed to their Washington policies. Learn what the company offers in our Allstate auto insurance 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 per 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 auto insurance 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.
- Emergency Car Assistance: Senior drivers can add this to their Washington coverage for help with breakdowns. Learn what else you can buy in our Farmers auto insurance review.
Cons
- Digital 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.
- Protection Options: Senior drivers in Washington have plenty of choices for their policies. Read our Liberty Mutual auto insurance review to find out more.
- RightTrack Program: Senior drivers can earn a good driver discount on Washington insurance. Find out how in our Liberty Mutual RightTrack review.
Cons
- User Feedback: Liberty Mutual’s negative feedback from some customers doesn’t make it stand out among the best senior driver companies in Washington.
- Limited 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.
- Policy Features: Washington senior drivers will have plenty of choices. Learn what Nationwide sells in our Nationwide auto insurance review.
- Pay-Per-Mile Insurance: Senior drivers can join SmartMiles in Washington for lower rates based on mileage. Read our Nationwide 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 Protection Plan: Senior drivers can add this coverage to their Washington policies. Learn more in our review of The Hartford.
- Policy Bundle Savings: Senior drivers can buy other Washington insurance policies for a discount.
Cons
- Increased Premiums: The Hartford’s average rates for senior drivers in Washington are higher than those of the other companies on our list.
- Policyholder Experience: 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 auto insurance 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 Travelers IntelliDrive review to learn more.
- Customer Ratings: 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 auto insurance 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 Monthly Payments: 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.
- Plan Choices: Auto-Owners offers several different choices for senior drivers in Washington. Read our Auto-Owners auto insurance 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
Finding affordable low-income car insurance in Washington State can be challenging, but seniors have options to save on their premiums. Many providers offer senior discounts on car insurance, especially for those over 65, which can significantly lower rates.
For a 72-year-old or retired individual, auto insurance for seniors rates are often more affordable, particularly when considering cheap car insurance for seniors or retired car insurance policies. To ensure you get the best deal, it’s important to conduct a car insurance comparison in Washington State.
Washington Senior Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $89 | $220 |
| $49 | $112 |
| $86 | $210 |
| $44 | $100 |
| $39 | $90 |
| $31 | $69 |
| $26 | $59 |
| $30 | $68 |
| $91 | $225 |
| $35 | $80 |
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.
Full coverage costs more but protects newer vehicles and valuable assets. It helps avoid high repair costs if your car is damaged.Jeff Root Licensed Insurance Agent
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.
This can help identify the best senior auto insurance options, including comprehensive car insurance coverage in Washington. Factors like car cost in Washington and the driver’s age can impact rates, so seniors should look for policies that offer the best coverage at a price that fits their budget.
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. When looking for affordable car insurance in Washington state, seniors can benefit from comparing different providers to find the best auto insurance for senior drivers.
Auto Insurance Discounts From the Top Providers for Seniors in Washington
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driver, Low-Mileage, Anti-Theft Device, Homeowners |
| Bundling, Safe Driver, Low-Mileage, Defensive Driving Course, New Car |
| Bundling, Safe Driver, Low-Mileage, Anti-Theft Device, Homeowners |
| Bundling, Safe Driver, Low-Mileage, Defensive Driving Course, Good Student |
| Bundling, Safe Driver, Low-Mileage, New Car, Homeowners |
| Bundling, Safe Driver, Low-Mileage, Accident Forgiveness, Anti-Theft Device |
| Bundling, Safe Driver, Low-Mileage, Snapshot, Homeowners |
| Bundling, Safe Driver, Low-Mileage, Defensive Driving Course, Vehicle Safety |
| Bundling, Safe Driver, Low-Mileage, AARP Member, Defensive Driving Course |
| Bundling, Safe Driver, Low-Mileage, Homeowners, Anti-Theft Device |
For a 72-year-old, age can impact the rates, but many insurers offer discounts for seniors, including those over 65. To find the best insurance for a 72-year-old or a 60-year-old, it’s important to consider factors like mileage, driving history, and available car insurance discounts in Washington.
Insurance companies in Washington state offer options tailored for seniors, helping to provide auto insurance for seniors at competitive rates. By comparing quotes and understanding the impact of car insurance age, drivers can secure the most cost-effective and comprehensive coverage for their needs.
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. When doing a car insurance comparison in Washington State, drivers over 65 can find discounts for safe driving and low mileage.
State Farm’s low-mileage discount saved me a lot. Comparing quotes and asking about senior discounts can cut your premiums.Aremu Adams Adebisi Feature Writer
60-year-old car insurance rates are often more affordable, but comparing providers for the best value, including senior-specific discounts, is still essential.
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.
Frequently Asked Questions
Who has the best auto insurance rates in Washington state?
State Farm, Progressive, and Geico offer Washington’s best auto insurance rates. State Farm has competitive full coverage rates, Progressive is ideal for high-risk drivers, and Geico provides low base rates with discounts. The best rate depends on factors like driving history and coverage needs, so comparing quotes is key.
How do auto insurance Washington state reviews help drivers find the best coverage?
Washington auto insurance reviews help drivers compare customer satisfaction, claims handling, and pricing. Feedback on top insurers like State Farm and Progressive highlights rates, discounts, and service quality, making it easier to choose the best coverage for seniors.
Use our free quote comparison tool to find the cheapest coverage in Washington and your area.
Does Liberty Mutual offer senior discounts on auto insurance?
Liberty Mutual offers senior discounts through low-mileage savings, defensive driving courses, and AARP partnerships, making it one of the best low-mileage auto insurance discount options. Discounts vary by state, so check with a representative for details.
Who has the best car insurance rates for seniors?
The best car insurance rates for seniors depend on location, driving history, and coverage needs. State Farm offers low-mileage discounts, Progressive provides flexible pricing, and The Hartford specializes in AARP benefits. Seniors can save by comparing quotes, bundling policies, and completing a defensive driving course.
Which company offers the best auto insurance in Washington State for affordability and coverage?
State Farm, Progressive, and Allstate provide some of the best auto insurance options in Washington State, offering affordable rates and comprehensive coverage. State Farm stands out for customer satisfaction and discounts, while Progressive is ideal for competitive pricing. Comparing quotes from multiple providers helps drivers find the best coverage at the lowest price.
Does AARP car insurance in Washington provide better benefits for seniors?
Through The Hartford, AARP car insurance in Washington offers senior-friendly benefits like lifetime renewability, new car replacement insurance, and defensive driving discounts. While not always the cheapest, its policies and customer service are ideal for older drivers.
What is the best and cheapest car insurance for seniors?
The best and cheapest car insurance for seniors varies by coverage needs, driving habits, and discounts. State Farm, Geico, and Auto-Owners offer affordable rates with low-mileage and defensive driving discounts. While minimum coverage is the cheapest, full coverage with higher deductibles balances cost and protection.
Which senior auto insurance company offers the best coverage in Washington?
State Farm, Allstate, and The Hartford are among Washington’s best senior auto insurance companies. These providers offer competitive rates, senior discounts, and specialized coverage options, such as accident forgiveness and low-mileage savings. Comparing quotes can help seniors find the most affordable and comprehensive coverage.
What are the most effective ways to find cheap car insurance in Washington?
To find cheap car insurance in Washington, compare quotes from multiple providers. Look for discounts like low-mileage or defensive driving, and consider adjusting your coverage or auto insurance deductibles to lower premiums while meeting state requirements.
How do the top auto insurance companies in Washington State compare for senior drivers?
Top auto insurance companies in Washington, like State Farm, Progressive, and Liberty Mutual, offer senior discounts and flexible coverage. Comparing rates and benefits helps seniors find the best option.
How can seniors qualify for a Progressive senior discount?
Seniors 55 or older with a clean driving record can qualify for Progressive’s senior discount. Additional savings are available for completing defensive driving courses. To access the discount, seniors should contact Progressive or provide details when getting a quote.
How can seniors benefit from State Farm insurance in Washington?
State Farm offers seniors affordable rates, comprehensive coverage, and discounts for low mileage, defensive driving, accident forgiveness, and bundling. These options help seniors save while ensuring strong coverage in Washington.
Can seniors get free insurance through State Farm?
State Farm doesn’t offer free insurance for seniors, but they can access discounts like low-mileage and defensive driving course savings. Seniors should contact State Farm to explore eligible discounts.
What is the least expensive auto insurance for seniors?
Geico, Progressive, and USAA offer the cheapest auto insurance for seniors. Geico has low base rates, Progressive offers accident forgiveness, and USAA provides affordable options for military retirees. Seniors can save by raising deductibles, reducing mileage, and taking defensive driving courses.
How does Audi insurance in Washington compare with other car brands in terms of cost?
Insurance for an Audi in Washington is higher due to its luxury status, with factors like model and coverage type affecting rates. While safety features may offer discounts, luxury cars are costlier to repair, increasing premiums. Comparing quotes is key to finding the best auto insurance discounts.
How does pay-per-mile insurance work for seniors in Washington state?
Pay-per-mile insurance is an ideal option for Washington seniors who drive infrequently. Providers like Allstate offer this coverage, allowing seniors to pay for insurance based on the miles they drive each month. This can significantly lower costs for seniors with low annual mileage, as they are only charged for the miles they drive.
Which auto insurance companies offer the best coverage options for seniors based on reviews?
Seniors should consider top companies like State Farm, Allstate, and Progressive for affordable rates, senior discounts, and strong service. Discounts like low-mileage, defensive driving, and accident forgiveness are available, with additional perks through AARP and The Hartford.
How can seniors get an accurate car insurance quote?
Seniors can get an accurate auto insurance premium by providing details like driving history, vehicle type, and mileage. They can also ask about senior discounts, such as low-mileage or safe-driver discounts, and compare quotes from different providers. Some insurers also offer online tools to estimate premiums.
How can seniors find affordable car insurance in WA?
Washington seniors can find affordable car insurance by comparing quotes from top providers like State Farm, Allstate, and Progressive. Discounts for low mileage, defensive driving courses, and higher deductibles can lower premiums while ensuring proper coverage.
Which are the top car insurance companies in the USA?
State Farm, Geico, Progressive, Allstate, and Liberty Mutual are the top 5 auto insurance companies in the USA. These providers provide competitive pricing, quality customer support, and different coverage choices. When you’re shopping for a provider, consider your coverage needs and the discounts you can get.
See how much you could save on coverage in Washington by entering your ZIP code into our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.