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Coverage and service fit for Washington

Washington was among the first states to establish a system of scenic highways. Whether you're roaming through the rainforests of the Olympic Peninsula, cruising through the Cascades or winding through Washington Wine Country, USAA can be there for you. We offer a combination of coverage and service you can count on if you live in the Evergreen State.

USAA offers Washington residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in Washington

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$150 See noteper month

The average monthly cost for all USAA auto policies issued in Washington in 2023.See note1

Get up to 30% off your premium for being a safe driver.See note2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Washington coverage requirements and minimums

As of Jan. 1, 2024, Washington law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $10,000 of property damage liability coverage

    This helps pay for damages to other people's property, like vehicles, homes and other buildings if you're at fault for an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note3 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note4 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Reasons to choose USAA Auto Insurance in Washington

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)