Progressive Auto Insurance in Washington
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Washington for 2026 — plus the 3 cheaper alternatives most Washington drivers overlook.
Estimated annual premium
$1,425
Estimated monthly
$119
Washington state avg
$1,550
vs Washington avg
-8%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Washington minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $10K
Seattle metro premiums run 30% above state average; minimums are middle-of-pack.
Cheaper alternatives to Progressive in Washington
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Washington. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive head-to-head guides
Side-by-side breakdowns of the Progressive matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.
Progressive discounts available to Washington drivers
Progressive Washington rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Washington estimate for each class:
Progressive Washington rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Washington estimate for each profile:
+100% vs standard
Progressive New Driver insurance
Washington · 16-24
-8% vs standard
Progressive Senior Driver insurance
Washington · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
Washington · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
Washington · any (<7,500 mi/yr)
Frequently asked questions
Frequently asked questions
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Washington's state-vs-national premium index ($1,550 ÷ national average $1,789 ≈ 0.87x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).