Cheapest Teen Driver Auto Insurance in Washington (Our Top 10 Picks for 2025)
USAA, State Farm, and Geico have the cheapest teen driver auto insurance in Washington state. Get the lowest monthly rates of $127 from USAA for teen car insurance, but young drivers seeking cheap car insurance in Washington can save over $100/mo when added to a parent's existing policy. Keep reading to learn more.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jan 28, 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: Jan 28, 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.
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Min. Coverage for WA Teen Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsUSAA, State Farm, and Geico have the cheapest teen driver auto insurance in Washington, with rates as low as $127 per month.
Other great companies selling Washington auto insurance for teens include local companies like Pemco and national companies like Progressive, helping drivers find affordable car insurance in Washington.
Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Washington
| Company | Rank | Monthly Rates | Good Student Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $127 | 10% | Military Families | USAA |
 | #2 | $133 | 25% | Reliable Service | State Farm |
 | #3 | $153 | 15% | Online Services | Geico |
 | #4 | $183 | 10% | Safety Discounts | Farmers |
 | #5 | $188 | 15% | Local Knowledge | Pemco |
 | #6 | $220 | 15% | Comprehensive Coverage | Mutual Of Enumclaw |
 | #7 | $243 | 10% | Accident Forgiveness | Allstate |
 | #8 | $324 | 10% | Budgeting Tools | Progressive |
 | #9 | $328 | 10% | Customizable Plans | American Family |
 | #10 | $349 | 8% | Roadside Assistance | Travelers |
Continue reading to learn more about each of Washington’s cheap car insurance companies, as well as Washington state car insurance requirements and laws. You can also use our free tool to quickly get cheap auto insurance in Washington for teenage drivers.
- USAA has the cheapest car insurance in Washington state for young drivers
- State Farm and Geico also have affordable teen driver insurance in Washington
- All drivers must carry insurance that meets new Washington state insurance laws
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#1 – USAA: Top Overall Pick
Pros
- Military Families: Military families will find the best Washington auto insurance rates for teens at USAA.
- Customer Satisfaction: USAA has some of the highest satisfaction ratings on the market. Learn more in our USAA auto insurance review.
- Young Driver Discounts: USAA offers good student discounts, and teens can also participate in the good driver discount program.
Cons
- Eligibility: USAA only sells to military or veteran families in Washington.
- Local Agents: There are few physical locations to visit an in-person agent, so most services will be conducted online.
#2 – State Farm: Best for Reliable Service
Pros
- Reliable Service: State Farm is highly rated for its reliable service from local agents as well as cheap car insurance in Washington state. Learn more in our review of State Farm auto insurance.
- Steer Clear Program: State Farm has a discount program for young drivers that helps teach safe driving skills.
- Good Student Discount: Good students under 25 with a B average or higher will receive a discount.
Cons
- Policy Purchases: Policies can’t be purchased quickly online, as customers need to contact an agent to finalize the sale.
- Expensive After an Accident: State Farm is less affordable for families with multiple at-fault accidents on their records.
#3 – Geico: Best for Online Services
Pros
- Online Services: Geico has robust online services that make it easy for customers to pay bills, file claims, and more.
- Good Student Discount: This is great for drivers under the age of 25 with good grades. You can also benefit from Geico learner’s permit insurance.
- Coverage Variety: Families can add or reduce coverage for teen drivers as needed. See what the company offers in our Geico auto insurance review.
Cons
- Local Agents: Because Geico has great online service, it doesn’t have many local agents available.
- Higher DUI Rates: Geico’s teenage car insurance rates will be less affordable for families with a DUI driver.
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#4 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Families who own cars with safety features will get a discount on car insurance.
- Safe-Driving Program: Teens can participate in Farmers’ safe-driving program for a discount.
- Young Driver Discounts: Farmers has several discounts geared towards young drivers, such as a distant student discount.
Cons
- Customer Satisfaction: Farmers could be rated better by customers. Find out more in our Farmers auto insurance review.
- Post-Accident Rates: Farmers will become much more expensive with each at-fault accident claim.
#5 – Pemco: Best for Local Knowledge
Pros
- Local Knowledge: Pemco is well-versed in insurance needs in Washington, as it is a local company.
- Good Student Discount: Pemco offers a good student discount and a student-away discount. Pemco also offers roadside assistance.
- Coverage Options: Pemco offers extras like rental car reimbursement, pet coverage, and more. Read our Pemco auto insurance review for more information.
Cons
- Availability: You will have to change companies if you move out of Washington.
- Customer Reviews: While reviews are mostly positive, there are a few negative claims reviews.
#6 – Mutual of Enumclaw: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Mutual of Enumclaw offers great comprehensive coverage to families with teen drivers.
- Local Knowledge: Mutual of Enumclaw is well-versed on what coverage Washington residents need.
- Teen Driver Program: Teens who successfully complete the company’s program will get auto insurance discounts.
Cons
- Availability: You must change companies if you move out of Washington.
- Non-Multi-Policy Rates: Rates will be more expensive for customers who don’t insure more than two cars.
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#7 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Allstate’s accident forgiveness could help some families avoid huge rate increases.
- Good Student Discount: Allstate rewards students with good grades. See what other discounts are offered in our Allstate auto insurance review.
- Coverage Options: Coverages can be adjusted on each car, so teens can add or reduce coverage as needed.
Cons
- Complaints: Allstate has more customer complaints than its competition.
- Best for Family Policies: Allstate’s rates are cheapest for teens joining a family policy, not for teens buying their own policy.
#8 – Progressive: Best for Budgeting Tools
Pros
- Budgeting Tools: Families can see how much coverage they can afford in Washington on their budget restraints.
- Student Discounts: Progressive offers good student discounts to Washington residents. See what else is offered in our Progressive auto insurance review.
- Online Management: Customers can easily manage their Washington policies from Progressive’s app.
Cons
- Rates After UBI Program: Teen drivers who do poorly may actually get rate increases.
- Local Agents: Washington residents may not be able to get in-person assistance.
#9 – American Family: Best for Customizable Plans
Pros
- Customizable Plans: Washington families can easily customize coverages and deductibles on their Washington state vehicle insurance policy.
- Teen Driver Program: American Family offers a discount to Washington teens who complete its teen driver program.
- Good Student Discounts: American Family also offers discounts to Washington students with good grades. Learn more in our American Family auto insurance review.
Cons
- Availability: Washington residents who move out of state may be unable to keep American Family as a provider.
- Expensive After a DUI: Teenage car insurance rates in Washington aren’t as affordable for DUI teens.
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#10 – Travelers: Best for Roadside Assistance
Pros
- Roadside Assistance: Travelers sells 24/7 roadside assistance coverage, which is great for new drivers in Washington. See what else Travelers offers in our review of Travelers auto insurance.
- Good Student Discounts: Washington students with good grades will get a discount.
- Multi-Policy Discount: Families can save on their teenage auto insurance average costs by bundling insurance.
Cons
- UBI Rate Increases: Washington teens who drive poorly in the program may see rate increases.
- Costs More With DUI: Washington auto insurance for families will be more expensive if a driver has a DUI.
Washington State Auto Insurance Requirements for Teens
It is important to ensure teens have coverage that fulfills at least the Washington minimum auto insurance requirements, though carrying more coverage than the minimum is always recommended.
Washington requires all drivers to have bodily injury liability insurance and property damage liability insurance. Washington drivers with a vehicle lease will also be required by their lender to carry comprehensive and collision insurance.Brandon Frady Licensed Insurance Producer
Below, you can see the cheapest auto insurance in Washington state rates and cheap full coverage car insurance in Washington costs by coverage type.
Washington Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $142 | $356 |
| 16-Year-Old Male | $131 | $378 |
| 17-Year-Old Female | $146 | $340 |
| 17-Year-Old Male | $128 | $335 |
| 18-Year-Old Female | $164 | $424 |
| 18-Year-Old Male | $122 | $359 |
| 19-Year-Old Female | $177 | $368 |
| 19-Year-Old Male | $133 | $385 |
| 20-Year-Old Female | $152 | $402 |
| 20-Year-Old Male | $112 | $309 |
| 21-Year-Old Female | $157 | $442 |
| 21-Year-Old Male | $118 | $322 |
The table compares cheap auto insurance for 18 year old and cheap auto insurance for drivers under 25. Washington auto insurance rate increases for teenagers will slowly decrease as teenagers get older, provided teenagers have a clean driving record.
Read on for more information about finding how much is teenage car insurance per month and other cheapest new driver car insurance options.
Comparing Teen Auto Insurance Rates in Washington
One of the factors that determines affordable auto insurance in Washington is your location within the state. The table below shows the cheapest auto insurance in Seattle and other cities.
Washington Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Auburn | Seattle | Spokane | Tacoma | Vancouver |
|---|---|---|---|---|---|
| 16-Year-Old Female | $245 | $275 | $265 | $255 | $285 |
| 16-Year-Old Male | $265 | $295 | $285 | $275 | $305 |
| 20-Year-Old Female | $205 | $225 | $215 | $235 | $245 |
| 20-Year-Old Male | $225 | $245 | $235 | $255 | $265 |
| 30-Year-Old Female | $185 | $205 | $195 | $215 | $225 |
| 30-Year-Old Male | $195 | $215 | $205 | $225 | $235 |
| 40-Year-Old Female | $175 | $195 | $185 | $205 | $215 |
| 40-Year-Old Male | $185 | $205 | $195 | $215 | $225 |
| 50-Year-Old Female | $165 | $185 | $175 | $195 | $205 |
| 50-Year-Old Male | $175 | $195 | $185 | $205 | $215 |
| 60-Year-Old Female | $155 | $175 | $165 | $185 | $195 |
| 60-Year-Old Male | $165 | $185 | $175 | $195 | $205 |
| 70-Year-Old Female | $145 | $165 | $155 | $175 | $185 |
| 70-Year-Old Male | $155 | $175 | $165 | $185 | $195 |
Your driving record is another crucial factor in finding affordable car insurance in Washington state. Teenagers who break Washington state car insurance laws will face significantly higher premiums and may struggle to qualify for discounts like low income auto insurance in the Washington state.
Washington Auto Insurance Monthly Rates by Age, Gender, & Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 16-Year-Old Female | $210 | $265 | $315 | $405 |
| 16-Year-Old Male | $245 | $285 | $325 | $435 |
| 17-Year-Old Female | $227 | $273 | $308 | $417 |
| 17-Year-Old Male | $252 | $292 | $333 | $421 |
| 18-Year-Old Female | $255 | $307 | $347 | $458 |
| 18-Year-Old Male | $261 | $315 | $355 | $463 |
| 19-Year-Old Female | $243 | $282 | $328 | $449 |
| 19-Year-Old Male | $273 | $327 | $362 | $478 |
| 20-Year-Old Female | $232 | $270 | $312 | $431 |
| 20-Year-Old Male | $227 | $263 | $305 | $427 |
| 21-Year-Old Female | $262 | $313 | $348 | $466 |
| 21-Year-Old Male | $255 | $306 | $342 | $454 |
It will be much easier to find cheap auto insurance for 18-year-olds and other drivers under 25 if teens have clean driving records.
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Helping Teens Save Money on Washington Auto Insurance
So, how can you save on expensive teen insurance in Washington, especially for those looking for low-income auto insurance in Washington? To start, make sure you are getting quotes from the companies with the cheapest teen auto insurance rates in Washington.
Auto Insurance for Teen Driver in Washington by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $243 | $520 |
| $328 | $704 |
| $183 | $392 |
| $153 | $328 |
| $220 | $448 |
| $188 | $399 |
| $324 | $695 |
 | $133 | $285 |
| $349 | $748 |
| $127 | $272 |
Carrying just minimum coverage will reduce rates, but we caution against doing this unless it is absolutely necessary. Instead, we recommend adding teens to parent’s policies and applying discounts. Read on to learn more.
Adding a Teen to a Parent’s Policy
If teens are added to an existing policy, it will be easier to get the cheapest insurance for teens in Washington, as shown in the rates below.
Washington Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $320 | $215 |
| 16-Year-Old Male | $340 | $225 |
| 17-Year-Old Female | $330 | $220 |
| 17-Year-Old Male | $350 | $230 |
| 18-Year-Old Female | $325 | $218 |
| 18-Year-Old Male | $345 | $228 |
| 19-Year-Old Female | $335 | $222 |
| 19-Year-Old Male | $355 | $232 |
| 20-Year-Old Female | $330 | $219 |
| 20-Year-Old Male | $350 | $229 |
| 21-Year-Old Female | $340 | $224 |
| 21-Year-Old Male | $360 | $234 |
Auto insurance companies like USAA make adding a driver to auto insurance very easy, USAA is also one of the cheapest insurance in Washington.
Generally, insurance companies won’t charge more to add a learner permit driver to an auto insurance policy. Rates will only increase once a teen gets their driver’s license.
The legal driving age in Washington is 16, though teens can get their learner’s permit at 15. Many ask, “Can you get Geico insurance with a permit?” Yes, Geico and most major insurers will allow you to be added to a parent’s policy during the permit phase without additional charges.
Teen Auto Insurance Discounts in Washington
Those who need low-income car insurance in Washington state should make sure they are applying for all the major Washington auto insurance discounts at the cheapest companies to maximize savings.
The companies with the best auto insurance for teenagers usually offer good student discounts, teen driver program discounts, and more.
Get the Cheapest Teen Driver Auto Insurance in Washington
USAA, State Farm, and Geico have the cheapest average rates on the best auto insurance for drivers under 25. Each of the best companies offers comprehensive coverage options, multiple discounts, and great customer service
Ready to start shopping for affordable Washington insurance for teens? Use our free tool to get the cheapest Washington auto insurance quotes.
Frequently Asked Questions
How much is auto insurance in Washington per month?
Minimum insurance in Washington is an average of $43/mo. However, rates will be much higher on average for teenagers. For those finding cheap auto insurance in Washington State, rates vary significantly based on age and coverage type.
What is the best car insurance in Washington State?
The best car insurance in Washington is full coverage insurance (Learn more: What is full coverage auto insurance?).
What is the best Washington auto insurance for minors?
Full coverage is the best auto insurance for minors, as minors are more likely to get into accidents. Full coverage provides the most financial protection. While seeking low-cost car insurance in Washington State, remember that adequate coverage is just as important as price.
Why is car insurance so expensive for minors?
Car insurance is more expensive for minors due to driving inexperience. Finding affordable car insurance for teenage drivers can be easier with good student discounts.
At what age is Washington car insurance cheapest?
Auto insurance averages are the cheapest for 70-year-old drivers. However, the cheapest auto insurance for Washington State can be found through various discounts at any age.
Do permit drivers need insurance in Washington State?
Permit drivers should be added to their parent’s policy, which is usually free. Once they have their own license, it’s best to know how to get cheap insurance for young drivers, and they will also need to get auto insurance (Read more: Helping Teen Drivers Get Their First License).
How much is auto insurance for a 17-year-old in Washington State?
The average cost of minimum coverage is $137/mo. It is easier to get cheap auto insurance for 17-year-olds if teens join an existing policy.
How much is car insurance for a 16-year-old in Washington State?
Minimum coverage is an average of $137 per month for 16-year-old drivers. Find cheap auto insurance for 16-year-olds.
Who is cheaper for teen auto insurance in Washington, Geico, or Progressive?
Geico is cheaper on average for teen auto insurance in Washington. Geico’s insurance for 16-year-old driver is cheap as well
Should a teen driver get their own car insurance or stay with their parents?
Teen drivers should stay on their parents’ policy as long as possible, as it is cheaper to add a driver to auto insurance that a parent owns.
Who has the cheapest full coverage auto insurance in Washington State?
USAA is the most affordable car insurance in Washington. The company has the cheapest average rates for full coverage auto insurance for teens.
How soon after buying a car do you need insurance in Washington State?
Teens need auto insurance as soon as they buy a car. Usually, you must purchase auto insurance before the sale is finalized, and you can drive it off the lot.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.
