Best Insurance Companies in Washington 2022

And once again you’re thinking of the best business, homeowners, car, and health insurance companies in Washington.

Are you tired of paying money over and over again when your car bashes with another on Washington DC highway?

Do you want the best coverage for your small, medium, and large-scale businesses in Washington?

Maybe, you’ve actually had some betrayals from insurance providers and you’re wondering if there are others out there who wouldn’t override your plans.

Whichever category you’re in, we just brought you a solution.

If you’re on the lookout for the best insurance providers in Washington DC, USA, you will find your answers below. 

However, for those living in other states of the US, check out the box below for the best insurance companies in your area. 

5 Best Insurance Companies in Washington for your Car

Must I have car insurance in Washington? 

Most certainly!!!

According to statistical records, there are over 5.7 million drivers in Washington DC

And following a 2019 report by the Insurance Institute for Highway Safety, Washington residents drove more than 62.5 million miles.

This accounted for 494 fatal motor vehicle crashes, resulting in 519 deaths.

Hence the reason why we say you certainly need car insurance. 

In a bid to help you find the best car insurance providers in Washington, we made a list of the best companies you can insure your car.

The list includes;

#1. Geico

A car insurance with Geico in Washington is really affordable. 

Besides its affordability, its insurance rates are the cheapest in this year’s picks. 

Aside from its standard insurance coverage options, Geico insurance company offers coverage for emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. 

Also, clients of Geico get access to over 15 discounts available. 

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#2. PEMCO

Here’s another insurance company where you can insure your car in Washington.

PEMCO is one of the car insurance companies in Washington known for its top-notch customer satisfaction service in the Northwest region. 

Also, with PEMCO, drivers have access to key replacement and recording, canopy and tonneau cover,  custom parts and camper coverage. 

In addition to that, PEMCO insurance providers offer coverages extending to rideshare and rental cars. 

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#3. Progressive

Progressive is one of the best insurance companies in Georgia for your car as well as Washington. 

With Progressive insurance plans, clients get amazing rates and cheap coverage.

Also, if you’re looking for policies that allow you to get discounts while you save, Progressive is a good option. 

Besides that, this insurance company is one of the car insurance companies in Washington that has disappearing deductibles. 

With this, Washingtonian drivers can save $50 off their full coverage premium every six-month policy period.

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#4. State Farm

When you are considering one of the best insurance companies in California as well as Florida, State Farm takes the lead. 

It’s regarded in the US as one of the top insurance companies across states.

Also, besides their availability in different states, State Farm is known to offer top customer satisfaction.

According to the 2021 J.D. Power Auto Insurance Study, State Farm is the second highest. 

They offer face-to-face interaction when discussing their insurance policy. 

Also, whether you’re a teen or adult, there are varieties of car insurance plans with cheap rates for you at State Farm, Washington.

Furthermore, State Farm’s Drive Safe & Save discount program is available to Washington drivers. (Only available in Washington)

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#5. USAA

If you’re military personnel looking for a car insurance company in Washington, then USAA could be your only credible option.

USAA insurance company is designed to take care of the insurance policies and plans of military personnel and their families.

Consistently, the company earns high J.D. Power customer satisfaction scores for usaa

Also, USAA launched a new safe-driving program in 2021 called SafePilot.

SafePilot allows policyholders to receive a 10% discount for signing up and up to 30% off after renewal with safe driving habits.

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4 Best Business Insurance Companies in Washington

Running a business whether on a small or large scale can come with a lot of risks. 

The presence of risk makes it a little bit easier for business owners to give up on the first trial. 

However, with business insurance, you’re covered for a lot of damages.

In Washington, there are 700,000+ small business companies. 

And small businesses in Washington find it quite difficult to purchase the best Insurance possible. 

Hence the reason why we bring you the list of the top best business insurance companies in Washington DC.

However, before that, why do you need insurance for your business?

You need business insurance basically to protect your company from major risks. 

By paying a token for coverage, you get others (insurance providers) pay the bills of damages such as;

  • Property damage
  • Allegations of injury
  • Employees who get hurt on the job
  • Accusations of professional negligence

So, to get the best insurance for your business in Washington, you need to consider the list we have compiled below.

Here’s a list of Washington’s best business insurance providers;

#1. Progressive

With progressive insurance plans, clients get to spend just a token on business insurance. 

Although they cost just a fortune, progressive is one of the best business insurance companies in Washington. 

Majorly, their services are totally online. What this means is that you cannot get a quote from an agent directly. 

Besides that, progression is one of the business insurance companies in Washington that offer discounts for online quotes and purchases. 

Sadly, the company did not do well in the 2021 J.D. Power U.S. Insurance Shopping Study.

In other words, many of their clients are not satisfied with their services. 

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#2. Hiscox

Hiscox is basically a business insurance company best for independent contractors.

It offers customized solutions for over 180 different industries. 

Such includes; salons, fitness instructors, consultants, therapists, janitors, and acupuncturists.

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#3. Hartford 

Hartford is one of the best small-scale business insurance companies in Washington DC. 

An insurance plan with Hartford comes with discounts that suit best for clients who go for bundling policies.

Regardless of what you do, Hartford can offer you coverage. 

They have business insurance policies for more than 51 professions in Washington. 

However, the not-so-good news is that Hartford has a pore online platform.

All business and quotes are obtained in their office in any part of Washington. 

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#4. CoverWallet

Insurance with CoverWallet gives you safety for your business whether it’s a small-scale, medium-scale, or large-scale business.

You do the business, CoverWallet covers for the risk and damages. 

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What are the types of business insurance policies in Washington?

Depending on your kind and size of business, the kind of insurance you should purchase will differ. 

In Washington, the business insurance packages typically include:

  • General liability insurance
  • Commercial auto insurance
  • Professional liability insurance
  • Workers’ compensation insurance
Best Insurance Companies in Washington 2022
Best Insurance Companies in Washington 2022

5 Best Cheap Health Insurance Companies in Washington

Because your health is paramount, it’s not out of place to say a health insurance plan should be topping your list when you’re seeking insurance.

In Washington, there are currently 11 health insurance providers in the marketplace.

From our research, we bring you the list of the best health insurance companies in Washington;

#1. Kaiser Permanente

Kaiser Permanente is one of the largest not-for-profit health insurance providers in the USA.

It offers health coverage for people in California, Georgia as well as Illinois.

Currently, Kaiser Permanente offers coverage to over 12 million members.

Basically, they’re best known for HMOs.

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#2. UnitedHealthcare

Here’s another customer-friendly health insurance provider in Washington. 

In 2021, records show that UnitedHealthcare covers about 48.9 million members across the USA.

And according to AM Best, this insurance provider meets the Affordable Care Act (ACA) requirements for essential healthcare. 

Also, The Balance considers it the largest health insurance company in the USA.

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#3. BridgeSpan

The third on our list of health insurance companies in Washington is BridgeSpan.

BridgeSpan offers coverage for individuals, families and groups at an affordable cost.

It’s one of the cheap health insurance companies you can find in Washington.

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#4. Community Health Network of Washington

Community health network is open to all and sundry in Washington.

It’s services are topnotch and also has dental coverage health insurance options.

Bundling policies is not possible with this insurance provider because they only offer health insurance plans.

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#5. Coordinated Care

Insurance with Coordinated Care is cheap. 

It’s one of the cheapest health insurance companies in Washington. 

Besides the low cost, the NAIC rates it as one of the best insurance companies with low customer complaints. 

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Other insurance companies you can entrust your health upkeep in Washington DC includes;

  • Regence
  • Premera
  • PacificSource
  • Molina Healthcare
  • Providence Health Plan

4 Best Homeowners Insurance Companies in Washington

Wildfires are common in Washington.

Not just that. 

Washington homes face the concurrent effect of floods, earthquakes, and other dangers related to earth movement. 

So just before you say that you do not need homeowners insurance, ensure you have enough to take care of the cost of these concurrent earth movements.

To that regard, we outlined the best homeowners insurance companies in Washington.

Regardless of how many times the earth causes its havoc in your home, these insurance providers take up the cost of refurbishing and rebuilding your home.

Of course, you have to pay your premiums as and when due.

The list is homeowners insurance companies in Washington include;

#1. Mutual of Enumclaw

Enumclaw as it’s popularly referred to is best for most Washingtonians.

This company has great home insurance rates and impressive coverage benefits.

However, this favors clients who bundle or go for wildfire protection.

Besides that, Mutual of Enumclaw has excellent insurance rates, great customer service, a variety of coverages as well as many discounts that appeal to Washington homeowners.

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#2. Allstate

Allstate is also one of the best insurance companies in Indiana for homeowners. 

It’s the largest insurance company in Washington.

Among their great attractions are affordability, a wide variety of insurance policies, and excellent financial stability. 

Also, it received an A+ financial stability rating from A.M. Best, indicating “superior” financial strength. 

Allstate has all the powerful online tools. Also, you can get quotes, manage your policy and file a claim from your computer or smartphone.

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#3. Chubb

Chubb is one of Washington DC’s homeowners’ insurance companies that many Washingtonians go for.

However, their top-tier customer service and coverage are for high-end homes.

What sets Chubb apart from the owners of exotic or expensive homes is the coverages and service it provides. 

Also, Chubb clients can buy policies with higher limits.

Besides that, this insurance provider in Washington has reputable customer-friendly claims. 

According to Chubb clients, you wouldn’t have to jump through hoops to have your claims paid out.

The sad news is that Chubb is not for typical homeowners.

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#4. USAA 

USAA offers military-specific benefits.

Majorly, it’s open to people in the armed forces.

USAA is known to have high customer service and financial stability. 

It’s one of only two homeowners insurance companies in Washington and the USA at large to get a 5-star rating for customer satisfaction from J.D. Power,

Frequently Asked Questions About Washington DC’s Best Insurance Companies

What are Best Insurance Companies In Washington that I can work for?

If you want to work in an insurance company in Washington but you don’t know which to apply to, here is a list you can trust.

After our research, we came up with the top 15 best insurance companies you can work for in Washington as a staff or as an agent.

We base this list on employee satisfaction, salary structure as well as good company reputation.

The list includes;

  • Symetra Financial
  • PEMCO
  • Safeco
  • Trupanion
  • Kibble & Prentice Holding Co
  • Riverbank
  • Community Health Plan of Washington
  • Mattei Insurance Services
  • Bratrud Middleton Insurance Brokers
  • Eagle Insurance Group
  • Mutual of Enumclaw Insurance Company
  • Conover Insurance
  • Bell-Anderson Insurance
  • Healthy Paws Pet Insurance
  • HBT Insurance

What are the Factors To Consider When Choosing An Insurance Company in Washington?

Here are the criteria to keep in mind when considering an auto, health, homeowners, business or life insurance company;

  • Financial strength
  • Customer service ratings
  • Claims service
  • Plan prices
  • Policy offerings
  • Coverage benefits
  • Provider choices. 

If you do not find a valid track record on the above-mentioned criteria, kindly seek another insurance company.

What is the cost of insurance companies in Washington?

Average car insurance in Washington costs about  $463 per year for minimum coverage.

Full coverage costs about $1,176 per year.

In Washington, we found that the average homeowners’ insurance cost is just $511 per year.

Whereas, the average cost of health insurance in Washington state is $431 per month for a 40-year-old.

Small business owners in Washington state pay a median of about $41 for their insurance coverage, according to Next Insurance data.

Your company’s coverage costs will differ based on the following considerations:

  • Risk factors your business routinely encounters. 
  • The types of insurance you buy and your policy limits.
  • How many people you employ

References

  • https://www.bankrate.com/insurance/car/washington/ 
  • https://www.zippia.com/company/best-insurance-companies-washington/ 
  • https://www.valuepenguin.com/best-cheap-health-insurance-washington 
  • https://www.valuepenguin.com/best-cheap-homeowners-insurance-washington 
  • https://www.nextinsurance.com/business-insurance/washington/ 
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