Car Insurance After an Accident in Washington: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Washington increases insurance by 39%, raising full coverage from $1,764/year to $2,452/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$147/mo
After At-Fault Accident (+39%)
$204/mo
Cheapest Companies After Accident in Washington
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $151/mo | $1,814/yr | Military families |
| Erie Insurance | $161/mo | $1,937/yr | Rate lock guarantee |
| GEICO | $168/mo | $2,011/yr | Clean driving record |
| Progressive | $180/mo | $2,158/yr | Telematics savings |
| State Farm | $186/mo | $2,231/yr | Good students |
| Travelers | $194/mo | $2,329/yr | Multiple discounts |
| Nationwide | $213/mo | $2,550/yr | Bundling home + auto |
| Farmers | $221/mo | $2,648/yr | Signal telematics |
| Allstate | $229/mo | $2,746/yr | Accident forgiveness |
| Liberty Mutual | $241/mo | $2,893/yr | New car replacement |
USAACheapest
Monthly
$151/mo
Annual
$1,814/yr
Best for: Military families
Erie Insurance
Monthly
$161/mo
Annual
$1,937/yr
Best for: Rate lock guarantee
GEICO
Monthly
$168/mo
Annual
$2,011/yr
Best for: Clean driving record
Progressive
Monthly
$180/mo
Annual
$2,158/yr
Best for: Telematics savings
State Farm
Monthly
$186/mo
Annual
$2,231/yr
Best for: Good students
Travelers
Monthly
$194/mo
Annual
$2,329/yr
Best for: Multiple discounts
Nationwide
Monthly
$213/mo
Annual
$2,550/yr
Best for: Bundling home + auto
Farmers
Monthly
$221/mo
Annual
$2,648/yr
Best for: Signal telematics
Allstate
Monthly
$229/mo
Annual
$2,746/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$241/mo
Annual
$2,893/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses