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 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
How much does Progressive auto insurance cost in Washington?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Washington runs about $1,425/year (~$119/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Washington?
Yes — Progressive typically runs about 8% below the Washington state average ($1,550/year for all carriers combined). The cheaper alternatives in Washington are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Washington minimum coverage requirements?
Washington requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Washington is not a no-fault state, so PIP is optional but recommended for added medical coverage. Seattle metro premiums run 30% above state average; minimums are middle-of-pack.
Does Progressive offer discounts to Washington drivers?
Progressive offers 6+ discounts that Washington drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
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).