Best Pay-As-You-Go Auto Insurance in Washington (Top 9 Companies Ranked for 2025)

The best pay-as-you-go auto insurance in Washington comes from Geico, Allstate, and Progressive. Drivers automatically save up to 10% when they enroll in Geico DriveEasy usage-based insurance (UBI).

Despite not having a pay-as-you-go car insurance plan, Geico is a good choice for a low-mileage auto insurance discount. If you want a genuine pay-per-mile car insurance policy, Allstate is your best bet.

Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Washington

Read on to find the best Washington auto insurance for low-mileage drivers.

Then, enter your ZIP code into our free comparison tool to find the best companies for pay-as-you-go auto insurance to fit your needs.

#1 – Geico: Top Pick Overall

Pros

• Usage-Based Discounts: Get cheap pay-as-you-go auto insurance in Washington with Geico DriveEasy UBI and low-mileage discounts. Find more ways to save in our Geico review.
• Low Rates: Geico offers competitive pay-as-you-go auto insurance rates, making it a cost-effective choice for Washington drivers.
• Strong Digital Presence: A user-friendly website and mobile auto insurance app make it easy for drivers to manage their Washington auto insurance policies.

Cons

• Average Claims Service: Geico’s auto insurance claims handling process is often reported as less personalized and slow by Washington customers.
• Basic Coverage Options: Despite being one of the best pay-as-you-go auto insurance companies in Washington, Geico has a limited number of policy customization options.

#2 – Allstate: Best for Low-Mileage Drivers

Pros

• Milewise Program: Allstate is one of the best auto insurance companies in Washington because it offers true pay-per-mile insurance. Learn more in our Allstate Milewise review.
• Drivewise UBI: Allstate’s UBI program provides significant savings for low-mileage and safe drivers in Washington. Learn how you can save up to 40% in our Allstate Drivewise review.
• Comprehensive Coverage Options: It’s easy to craft a policy that fits your specific pay-per-mile auto insurance needs in Washington with Allstate’s wide range of add-ons.

Cons

• Higher Premiums: Allstate is almost always one of the more expensive options for Washington pay-as-you-go car insurance no matter how many miles you drive.
• Potential Privacy Concerns: Participation in Allstate Drivewise or Milewise auto insurance programs requires digital tracking, which makes some Washington drivers uncomfortable.

#3 – Progressive: Best Modern Auto Insurance Experience

Pros

• Snapshot Program: Progressive Snapshot UBI rewards safe driving, ideal for Washington drivers who prioritize safety and insurance savings. Compare savings in our Snapshot review.
• Advanced Digital Tools: Progressive has digital options like the Name Your Price tool that makes finding cheap low-mileage auto insurance in Washington easy.
• Flexible Payment Options: With various payment plans to suit different budgets in Washington, Progressive makes it easy to manage your auto insurance budget.

Cons

• Mixed Customer Service: Many Progressive customers in Washington report varying experiences with customer support, and the company struggles with its loyalty ratings for auto insurance.
• Complex Pricing Structure: Progressive Snapshot will reduce pay-as-you-go insurance discounts for poor driving habits even if you are a low-mileage driver.

#4 – State Farm: Best for Personalized Washington Service

Pros

• Drive Safe & Save Program: Save up to 30% on your insurance by enrolling in Drive Safe & Save. This UBI program offers significant discounts for safe and low-mileage Washington drivers.
• Personalized Service: With an extensive network of agents for face-to-face assistance, State Farm promises personalized auto insurance service to every Washington driver.
• User-Friendly App: State Farm’s digital presence isn’t the best in Washington, but it does offer a convenient mobile app for policy management. Explore the app in our State Farm insurance review.

Cons

• Higher Rates for High-Mileage Drivers: State Farm doesn’t offer a pay-per-mile discount, and you will see higher auto insurance rates in Washington the more you drive.
• Slower Claims Process: State Farm’s claims handling can be slower compared to other Washington pay-as-you-go auto insurance providers.

#5 – Liberty Mutual: Best List of Unique Washington Coverage Options

Pros

• Diverse Coverage Options: Liberty Mutual offers excellent customization options that can be hard to find at other Washington pay-as-you-go insurance companies.
• RightTrack Program: Liberty Mutual rewards safe Washington drivers who sign up for RightTrack with pay-as-you-go auto insurance discounts.
• Good Driver Discounts: Liberty Mutual offers other ways to get cheap pay-as-you-go auto insurance in Washington through its safe driving discounts. Get a full list in our Liberty Mutual review.

Cons

• Higher Rates: While Liberty Mutual sometimes offers cheap auto insurance quotes for low-mileage drivers, it’s usually a little more expensive than many of its Washington competitors.
• Inconsistent Customer Service: Washington drivers report that Liberty Mutual representatives can be slow to communicate and resolve pay-as-you-go insurance issues.

#6 – Safeco: Best for Safe Washington Drivers

Pros

• RightTrack Program: Read our RightTrack review to learn how Safeco UBI for Washington drivers can help you save up to 30% on your pay-as-you-go insurance if you practice good habits.
• Cash-Back Rewards: Earn cash-back rewards on pay-as-you-go insurance from Safeco by maintaining a safe driving record and avoiding Washington auto insurance claims.
• Bundling Discounts: Safeco sells a variety of policies besides pay-as-you-go auto insurance. If you buy more than one in Washington, you’ll likely receive a bundling discount.

Cons

• Mixed Customer Service: With reports of varying experiences with customer support, Safeco doesn’t have the best auto insurance ratings in Washington.
• Confusing Discounts: Safeco doesn’t post much information about its discounts, making it difficult to compare plans with other Washington pay-as-you-go companies.

#7 – Nationwide: Best for Deductible Savings in Washington

Pros

• SmartRide Program: Get cheaper pay-per-mile auto insurance rates in Washington by signing up for SmartRide. See how much you can save in our Nationwide SmartRide review.
• Vanishing Deductible: Nationwide’s vanishing auto insurance deductible add-on reduces your deductible by up to $100 for every year you spend claims-free in Washington, up to $500.
• Good Customer Service: With high ratings for customer support and claims handling, most drivers recommend Nationwide auto insurance in Washington.

Cons

• Limited Availability: Despite its name, Nationwide is not available in all states. While it sells pay-as-you-go car insurance in Washington, you may need to find a different provider if you move.
• Fewer Discounts: Compared with other major insurance providers in Washington, Nationwide’s 11 total discounts can make it hard to find the cheapest pay-as-you-go auto insurance.

#8 – Travelers: Best Reliable Washington Insurance Company

Pros

• IntelliDrive Program: Travelers takes its spot as one of the best pay-per-mile auto insurance companies in Washington with its UBI program. Read more in our IntelliDrive review.
• Financial Stability: With an A++ from A.M. Best, Travelers’ strong financial ratings in Washington ensure the reliability of its pay-as-you-go auto insurance policies.
• Industry Experience: Travelers is one of the most reliable WA pay-as-you-go auto insurance companies with over a century of experience and very few customer complaints.

Cons

• Higher Average Rates: It may be one of the best pay-as-you-go auto insurance companies in Washington, but it can be more expensive if you drive a lot.
• Limited Local Agents: There are fewer physical Travelers locations for in-person pay-as-you-go assistance in Washington. Learn how to get in touch with our Travelers insurance review.

#9 – Farmers: Best Washington Auto Insurance Discounts

Pros

• Signal Program: Enroll in the Signal app for pay-as-you-go auto insurance rewards for your safe driving, making it a great option for low-mileage Washington drivers.
• Personalized Service: Famers has a host of knowledgeable local agents throughout Washington to help you with pay-as-you-go coverage and questions.
• Generous Discounts: Farmers offers 23 discount options on Washington pay-as-you-go insurance to help you save, which you can explore in our Farmers auto insurance review.

Cons

• Limited Local Presence: Farmers doesn’t maintain as many local offices for pay-as-you-go car insurance in Washington.
• No 24/7 Supports: Although Farmers offers personalized pay-as-you-go insurance service, it’s not available 24/7. Instead, you’ll have to call during Washington business hours.

Washington Pay-As-You-Go Auto Insurance Rates

Compared to the rest of the country, Washington auto insurance rates are generally low. Low-mileage drivers can find even lower rates by taking advantage of pay-per-mile insurance programs in Washington. Check below to see how much you might pay for low-mileage insurance at our top Washington companies.

Washington Pay-As-You-Go Auto Insurance Monthly Rates by Provider & Coverage Level

As you can see, low-mileage drivers can find excellent savings by signing up for pay-as-you-go insurance. Even the best Washington auto insurance companies will likely be more expensive than a pay-per-mile plan.

How Washington Pay-As-You-Go Auto Insurance Works

Finding a pay-as-you-go program is a great way for infrequent drivers to find cheap auto insurance, but how do these programs work? Washington pay-as-you-go auto insurance plans are usually easy to understand, but they are a bit different than traditional coverage.

Rates for a pay-as-you-go plan have two parts. The first is a base rate that you’ll pay every month, no matter how much you drive. Then, you’ll have a small rate you’ll pay for each mile you drive, usually just a few cents. Your insurance company will combine your flat fee and your per-mile rate into a monthly premium.

As long as you’re a low-mileage driver, you’ll probably save significantly on Washington auto insurance by choosing a pay-per-mile plan over traditional coverage.

Factors Affecting Washington Auto Insurance Rates

Aside from your annual mileage, there are many factors that affect auto insurance rates. You should be aware of the most common factors that affect car insurance in Washington.

Insurance companies look at the same factors when determining your rates, but they have unique formulas. That’s why it’s so crucial to compare rates with multiple companies — you may find one Washington insurance company has much better rates for your unique circumstance.

How to Save on Washington Pay-As-You-Go Auto Insurance

Aside from signing up for a pay-per-mile, there are multiple ways of lowering your car insurance even further. For starters, you should look at auto insurance discounts. Check below to see a list of discounts provided by our top pay-as-you-go auto insurance companies.

You can also save on your insurance by lowering your coverage limits, raising your deductible, and picking the right coverage types.

Of all the ways to find low car insurance rates, the most important is to compare multiple quotes. Most insurance companies provide a quote request form on their home page. You can get personalized quotes using these forms in about 10 minutes.

If you don’t want to spend the time to get quotes using multiple forms, online quote generators make it easy to look at rates from several companies at once. Learn how to compare auto insurance quotes in our helpful guide.

Get the Best Pay-As-You-Go Auto Insurance in Washington Today

Finding affordable pay-as-you-go Washington auto insurance rates is usually a simple task, so long as you don’t drive more than 10,000 miles per year. You’ll have to give up a bit of privacy while driving, but the car insurance savings are usually worth it.

Although low-mileage drivers find it easier to get affordable car insurance rates compared to other drivers, they still need to compare rates with multiple companies. Enter your ZIP code in your free comparison tool below to see pay-as-you-go rates in your area.