Cheapest SR-22 Insurance in Washington for 2026 (10 Best Companies for Savings)
The top providers for the cheapest SR-22 insurance in Washington are State Farm, Geico, and Allstate, starting at $62 a month. State Farm leads with family discounts, Geico excels in online service, and Allstate provides various discount programs for high-risk drivers needing SR-22 insurance in WA.
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Table of Contents
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Melanie Musson
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated March 2025
18,155 reviewsCompany Facts
WA SR-22 Min. Coverage
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
WA SR-22 Min. Coverage
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
WA SR-22 Min. Coverage
A.M. Best
Complaint Level
Pros & Cons
11,638 reviewsTop companies such as State Farm, Geico, and Allstate provide the cheapest SR-22 insurance in Washington.
If you’re looking for cheap SR-22 auto insurance, this guide will help you find the best providers in Washington. We’ve highlighted the top companies with affordable SR-22 insurance coverage.
Whether you’re a high-risk driver or need to stay compliant, this article covers the most important discounts, coverage levels, and factors to consider to save on your Washington SR-22 insurance premiums.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Washington
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $62 | A++ | Teen Drivers | State Farm |
 | #2 | $76 | A++ | Low Mileage | Geico |
 | #3 | $82 | A+ | Online Service | Allstate |
 | #4 | $94 | A | Agent Network | American Family |
 | #5 | $96 | A+ | Many Discounts | Nationwide |
 | #6 | $104 | A | Insurance Discounts | Liberty Mutual |
 | #7 | $106 | A | Personalized Service | Safeco |
 | #8 | $109 | A | Multi-Policy Options | Farmers |
 | #9 | $110 | A+ | Customizable Coverage | Progressive |
 | #10 | $118 | A | High-Risk Drivers | The General |
Use our free comparison tool to see cheap SR-22 insurance in Washington and auto insurance quotes in your area.
- The cheapest SR-22 insurance in Washington state costs $62 per month
- The best SR-22 insurance companies are State Farm, Geico, and Allstate
- Pay-per-mile programs can help you get affordable WA SR-22 insurance
#1 – State Farm: Top Overall Pick
Pros
- Local Expertise: The company has an extensive Washington agent network for in-person SR-22 filing assistance.
- Multi-Vehicle Savings: State Farm offers SR-22 discounts for insuring multiple cars in Washington (Read More: Best Auto Insurance Companies for Multiple Vehicles).
- Generational Benefits: Special SR-22 rates are available for Washington families with multiple generations insured with State Farm.
Cons
- Limited Online Tools: Washington SR-22 filing has limited online tools, requiring direct agent interaction.
- Restricted Programs: Washington drivers have fewer technology-based SR-22 discount options.
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#2 – Geico: Cheapest for Online Service
Pros
- Digital Platform: Geico offers an efficient online system for managing SR-22 requirements for drivers in Washington.
- Employee Discounts: The company offers special SR-22 rates for Washington service members and government employees.
- Safety Equipment Rewards: Explore Geico auto insurance discounts on Washington SR-22 for vehicles with airbags, anti-lock breaks, and other safety features.
Cons
- Limited Assistance: Geico has minimal physical locations for SR-22 insurance support in Washington.
- Complex Conditions: Geico’s SR-22 policy adjustments in Washington require a rigorous qualification process.
#3 – Allstate: Cheapest for Many Discounts
Pros
- Drivewise Program: Learn how to save money with technology-based Washington SR-22 premium reductions through monitoring in our Allstate Drivewise review.
- Safe Vehicle Rewards: Washington drivers can save money with discounts on SR-22 for cars equipped with safety features.
- Multiple Payment Options: Washington drivers have many flexible payment options for their SR-22 premiums, so they can pick the best plan for their budget and preferences.
Cons
- Technology Requirements: Allstate’s Drivewise SR-22 benefits in Washington require specific devices.
- Discount Complexity: The qualification process for Washington SR-22 discount programs is challenging.
#4 – American Family: Cheapest for Teen Drivers
Pros
- Teen Driver Programs: The company offers special SR-22 policies and discounts for young and teen drivers in Washington.
- Driving Course Rewards: The American Family offers SR-22 discounts for Washington drivers who complete accident prevention and defensive driving courses.
- Policy Flexibility: Our American Family auto insurance review highlights the company’s customizable Washington SR-22 coverage.
Cons
- Strict Documentation: Washington SR-22 policy customization with American Family requires complex paperwork and strict documentation.
- Limited Availability: The company’s coverage options vary across Washington, so confirm what is available near you with a local agent.
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#5 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- SmartMiles Technology: You can get cheaper Washington SR-22 rates with low mileage. Read our Nationwide SmartMiles review to learn how.
- Vanishing Deductible: Washington SR-22 deductibles decrease annually for safe drivers.
- Automated Savings: Nationwide offers one of the best auto-pay insurance discounts for Washington SR-22 policyholders.
Cons
- Limited Accessibility: There aren’t as many Nationwide service centers for SR-22 insurance in Washington.
- Mileage Limits: You must drive less than 10,000 miles per year to save money on SR-22 insurance with SmartMiles.
#6 – Liberty Mutual: Cheapest for Multi-Policy Options
Pros
- Bundle Integration: Liberty Mutual’s SR-22 insurance in Washington offers significant discounts when bundled with multiple company policies.
- Anti-Theft Rewards: In the state of Washington, drivers who equip their vehicles with advanced security features can benefit from significant discounts on their SR-22 insurance policies.
- Student Benefits: College students with good grades or studying away from home can get cheap Washington SR-22 insurance with discounts.
Cons
- Price Point: Drivers have a higher monthly SR-22 insurance in Washington, which costs $104 for minimum coverage (Read More: Washington Minimum Auto Insurance Requirement).
- Complex Policies: The company’s SR-22 policies have specific requirements customized for people in Washington.
#7 – Safeco: Cheapest for Customizable Coverage
Pros
- Flexible Plans: Safeco’s SR-22 coverage plans in Washington are specially designed to fit any driving need or situation.
- Graduate Benefits: Safeco provides special SR-22 rates for Washington’s newly graduated drivers, as mentioned in our Safeco auto insurance review.
- Green Vehicle Incentives: Owners of hybrid vehicles in Washington State may be eligible for various discounts when it comes to obtaining SR-22 insurance.
Cons
- Cost Increase: Safeco’s full coverage rate has sharply increased, with average monthly premiums for SR-22 in Washington state costing $106.
- Regional Variations: SR-22 coverage options with Safeco vary across different Washington areas, and some coverages may not be available near you.
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#8 – Farmers: Cheapest for Personalized Service
Pros
- Dedicated Agents: Expert assistance with Washington SR-22 requirements is available through knowledgeable local representatives who can provide tailored guidance and support.
- Safe Driver Incentives: Washington drivers who maintain accident-free records can benefit from SR-22 discounts, according to our Farmers auto insurance review.
- Defense Course Benefits: Policyholders in Washington can get premium discounts on SR-22 car insurance for completing defensive driving.
Cons
- Coverage Gaps: In many rural areas of Washington state, individuals seeking SR-22 insurance often encounter a restricted range of coverage options.
- Service Limitations: Farmers have limited availability of SR-22 support options in specific regions of Washington State.
#9 – Progressive: Cheapest for Customizable Coverage
Pros
- Snapshot Program: Drivers using Progressive’s telematics program can lower their SR-22 rates by demonstrating safe driving habits. See details in our Progressive auto insurance review.
- Multiple Discount Options: Washington SR-22 clients save through anti-lock brake and safety vehicle packages and by bundling Progressive Policies.
- Responsible Driver Benefits: Additional SR-22 discounts are available for Washington drivers who maintain consistent, on-time payments.
Cons
- Coverage Limitations: Certain regions in Washington have restrictions on basic SR-22 insurance features.
- Complex Bundle Terms: Washington SR-22 bundling discounts have multiple qualifying conditions.
#10 – The General: Cheapest for High-Risk Drivers
Pros
- Risk Acceptance: The General has a specialized Washington SR-22 coverage for high-risk drivers who can’t find policies with standard companies.
- Quick Processing: The company offers a rapid SR-22 filing service for license reinstatement in Washington (Read More: The General Auto Insurance Review).
- Online Savings: You can get discounts on Washington SR-22 insurance if you choose paperless billing and set up automatic payments.
Cons
- Limited Features: Their basic Washington SR-22 insurance policy provides a lower level of coverage and features fewer additional benefits than more extensive plans.
- Restrictions on Coverage: Washington SR-22 policies with The General have more stringent conditions for high-risk drivers.
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Washington SR-22 Insurance Costs for Minimum vs. Full Coverage
How much does SR-22 insurance cost in Washington? We have gathered rates from the best Washington SR-22 car companies for basic to full auto insurance.
Shopping around for SR-22 insurance saves money. Some deals are better. For example, online providers often offer lower rates.Jeff Root LICENSED INSURANCE AGENT
Find out the most cost-effective way to maintain your SR-22 status. It’s essential to compare the different alternatives available in the market to identify one that fulfills your legal obligations while also fitting within your budget.
Washington SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $82 | $187 |
| $94 | $212 |
| $109 | $248 |
| $76 | $174 |
| $104 | $162 |
| $96 | $219 |
| $110 | $319 |
| $106 | $168 |
| $62 | $142 |
| $118 | $211 |
This table breaks down Washington SR-22 insurance rates by company and coverage level. State Farm offers the cheapest minimum coverage at $62, while Progressive’s full coverage hits $319.
Geico, Allstate, and Liberty Mutual provide mid-range rates. High-risk drivers should compare these options to find affordable SR-22 insurance in WA. Find out how high-risk auto insurance providers determine SR-22 rates.
How to Save Money on Washington SR-22 Insurance
To help you save on your Washington SR-22 insurance premiums, we’ve compiled a list of the top providers and their discounts.
SR-22 Insurance Discounts From the Top Providers in Washington
| Insurance Company | Available Discounts |
|---|---|
| Anti-Lock Brakes, Responsible Payer, Drivewise, Safe Vehicle |
| Teen Safe Driver, Early Bird, Multi-Vehicle, Generational Discount |
| Affinity Group, Distant Student, Safe Vehicle, Multi-Car |
 | Emergency Deployment, Good Student, Air Bag, Daytime Running Lights |
| New Graduate, Multi-Car, Telematics, Hybrid Vehicle |
| SmartMiles, Vanishing Deductible, Defensive Driving, Automatic Payments |
| Homeowner, Paperless Billing, Paid-in-Full, Sign Online |
| Accident Prevention Course, Anti-Theft, Teen Driver, Bundled Insurance |
 | Accident-Free, Student Away, Defensive Driving, Anti-Theft System |
| Paid-in-Full, Defensive Driving, Prior Insurance, Safe Driver |
Find the best deals for your SR 22 insurance needs with safe driving incentives, military discounts, and more. The best home and auto insurance bundling discounts have the highest potential savings of 25%.
Washington Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling (Auto + Home) | A | 25% | Progressive, Allstate, Farmers |
| Safe Driver Discount | A | 20% | Geico, State Farm, Progressive |
| Military/Veteran Discount | A | 15% | USAA, Geico, Armed Forces Insurance |
| Good Student Discount | A- | 15% | State Farm, Liberty Mutual, USAA |
| Multi-Vehicle Discount | B+ | 15% | Allstate, Farmers, Nationwide |
| Low Mileage Discount | B+ | 12% | State Farm, MetLife, Safeco |
| Loyalty Discount | B+ | 10% | Allstate, Farmers, Liberty Mutual |
| Anti-Theft Device Discount | B | 10% | Geico, Nationwide, Liberty Mutual |
| Defensive Driving Discount | B | 10% | Allstate, Farmers, The Hartford |
| Paperless Billing Discount | B | 5% | Progressive, Liberty Mutual, Nationwide |
Washington insurers offer valuable discounts to lower SR-22 insurance costs. State Farm and Geico reward safe drivers with 20% off, while Allstate provides 15% savings on multi-vehicle policies.
Bundling home and auto with Allstate or State Farm delivers up to 25% off, making it a smart choice for policyholders.
Understanding Washington SR-22 Auto Insurance
SR-22 auto insurance is not an auto insurance policy. It’s a certificate that proves you meet state-required coverage requirements. If you need SR-22 insurance, your rates will increase. Comparing providers ensures you get insured for the lowest price.
If you have to file an SR-22 in Washington, it might mean you’re considered a high-risk driver. To lower your SR-22 car insurance rates, you can work on improving your driving record and staying aware of local driving trends in your area.
SR-22 Insurance Claims and Accident Trends in Washington
Washington’s auto insurance market overview reveals varying grades across key premium factors and coverage options:
Washington Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B | Moderate weather risk due to severe weather |
| Traffic Density | B | High traffic density in urban areas |
| Average Claim Size | B | Average claim size slightly above the national average |
| Vehicle Theft Rate | C | Higher-than-average vehicle theft rates |
| Uninsured Drivers Rate | C | Significant number of uninsured drivers |
Overall, Washington maintains a B average rating, with strong discount offerings but higher costs in urban and weather-affected areas.
It’s important to understand common claims and city-specific trends that impact rates in order to get the best SR-22 insurance in Washington.
5 Most Common Auto Insurance Claims in Washington
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 28% | $3,500 |
| Single-Vehicle Accidents | 22% | $4,200 |
| Parked Car Damage | 15% | $1,200 |
| Weather-Related Damage | 12% | $2,800 |
| Animal Collisions | 8% | $2,300 |
Data in Washington state’s auto insurance shows that rear-end collisions and single-vehicle accidents make up the majority of claims, making it obvious that comprehensive auto insurance coverage and defensive driving habits are critical.
Washington Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bellevue | 1,500 | 1,200 |
| Everett | 1,200 | 1,000 |
| Kent | 1,000 | 850 |
| Renton | 700 | 600 |
| Seattle | 7,984 | 6,500 |
| Spokane | 2,500 | 2,100 |
| Spokane Valley | 600 | 500 |
| Tacoma | 3,200 | 2,800 |
| Vancouver | 2,000 | 1,700 |
| Yakima | 800 | 700 |
Unsurprisingly, the data correlates city size with claim frequency, with very large cities far outpacing smaller municipalities in claim frequency. This is due to more drivers, traffic, and an increased risk of vehicle theft. But if you drive less than average, check out the best pay-as-you-go auto insurance in Washington for cheaper rates.
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Best SR-22 Insurance Providers in Washington
When looking for the cheapest SR-22 insurance in Washington, the best auto insurance companies are State Farm, Geico, and Allstate.
Whether you need safe driver savings, bundling discounts, or multi-vehicle reductions, these companies provide cost-effective SR-22 coverage.
Taking advantage of provider-specific discounts can significantly lower high-risk auto insurance costs while ensuring compliance with Washington’s SR-22 requirements. You can find cheap SR-22 insurance quotes in Washington state by entering your ZIP code in our free quote comparison tool.
Frequently Asked Questions
How much is SR-22 insurance in Washington State?
Washington SR-22 insurance costs an average of $62 a month with State Farm, $76 a month with Geico, and $82 monthly with Allstate. A $15–$25 filing fee is also typically required. Understand the minimum auto insurance requirements by state to avoid penalties.
Does cheap SR-22 car insurance cover full coverage options?
Yes, you can get SR-22 insurance with minimum or full coverage. However, full coverage policies will cost more. Compare providers to find cheap SR-22 auto insurance.
How do providers determine the average cost of SR-22 insurance in Washington State?
Insurers calculate SR-22 rates based on driving history, location, and coverage level. High-risk drivers typically pay more than the state average. Get affordable SR-22 insurance in Washington by entering your ZIP code.
What auto insurance company has the cheapest Washington SR-22?
Who has the cheapest SR-22 insurance? State Farm offers the cheapest SR-22 insurance in Washington state at $62 per month, followed by Geico and Allstate. Discounts may apply for eligible drivers to further lower costs.
How long is SR-22 required in Washington?
In Washington, SR-22 insurance is usually required for three years, depending on the offense. Drivers must maintain continuous coverage to comply with state car insurance requirements during this period.
How does SR-22 insurance work in Washington State?
An SR-22 is a certificate filed by your insurer to verify you meet Washington’s minimum liability coverage. It ensures compliance and is often required after specific violations like DUIs.
How do I get rid of an SR-22 in Washington?
To cancel an SR-22, complete the required period (typically three years), maintain continuous insurance, and notify your insurer once eligible. The state confirms your compliance before removal.
How long do you have to get insurance after buying a used car in Washington?
In Washington, you have 15 days to inform your insurer about purchasing a used car.
How do I reinstate my suspended license in Washington state?
Reinstating a suspended license involves paying fines, maintaining an SR-22 if required, fulfilling any court orders, and completing the process with the Washington Department of Licensing. Learn how a suspended license affects auto insurance rates.
What is Washington’s financial responsibility requirement?
Washington mandates drivers carry liability insurance with minimums of $25,000 per person, $50,000 per accident for injuries or deaths, and $10,000 for property damage.
Who needs an SR-22 in Washington?
Which Washington auto insurance is best for DUI?
What is the equivalent of SR-22 auto insurance?
Is Washington a strict liability state?
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