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A 2.08% increase takes effect April 2026, adding about $44 a year for more than 106,000 policyholders.
Allstate is raising auto insurance rates in Washington State by 2.0779%, with new premiums taking effect on policies renewing on or after April 17, 2026. The change covers two separate filings and affects about 106,953 Washington policyholders. Combined, the filings add roughly $4.75 million in annual premium across the book.
For the average driver, that works out to about $44 more per year, pushing the typical policy from $2,507 to $2,551. That is less than four dollars a month, but it lands on top of several years of steady rate pressure across the auto insurance market, and it is worth knowing exactly where your premium is headed before your next renewal bill arrives. The reason for the increase, according to the filing, is that claim costs have risen faster than current premiums can support.
Repair bills, medical costs, and parts prices have all climbed, and carriers have been adjusting rates to keep pace. Allstate is one of the largest personal auto insurers in the country, writing policies in all 50 states and serving tens of millions of drivers nationally. In Washington, the company holds a significant share of the private passenger auto market.
If your Allstate policy renews on or after April 17, 2026, you will see the higher rate on your next renewal notice. You do not have to accept it. Shopping competing carriers before your renewal date is the single most effective move you can make right now, and this article walks you through exactly what to compare.
Average annual premium for affected drivers
| Current average | $2,507 |
|---|---|
| After rate change | $2,551 |
| Annual increase | +$44 (+1.8%) |
Source: GMMX-134420417.pdf, p. 7
Aggregated across 2 merged filings.
What the Allstate Washington Rate Actually Changes
Allstate filed two rate actions with Washington regulators at the same time. The primary filing, submitted by Integon National Insurance Company, carries an average rate increase of 2.0779%. A companion filing, submitted by Allstate North American Insurance Company under a separate SERFF docket, carries a 0% rate change for its 41,589 policyholders, meaning those drivers see no change at this renewal cycle. Together, the two filings cover approximately 106,953 Washington policyholders.
The combined written premium impact is $4,753,638 added to the annual book of business. The current written premium base across both filings sits at approximately $2,507 on average per policy before the change takes hold.
Policies renewing on or after April 17, 2026 will reflect the new rates. If your renewal date falls before that date, your current term is not affected. The change shows up at your next renewal after that threshold.
The rate filing points to loss cost trends as the primary driver. Auto insurance losses have been climbing for several years across most states, pushed by higher repair costs, supply chain pressure on parts, and rising medical expenses tied to accident claims. Carriers set rates to collect enough premium to pay expected future claims, plus operating costs.
When those costs outpace what the current premium supports, a rate filing follows. This filing fits that pattern.
It is also worth noting that a 2.08% increase is relatively modest compared to what many Washington drivers saw in prior renewal cycles. Some carriers filed increases in the high single digits or low double digits between 2022 and 2024. Allstate’s current ask is smaller in percentage terms, though it still adds real dollars to your bill depending on your coverage level and driving record.
What This Means for You
The average impact works out to $44 more per year, or about $3.67 per month. That average comes from the aggregate across all affected policies, so your personal number will vary based on your coverage, your vehicle, and your driving history.
If you carry full coverage, meaning collision and comprehensive on top of liability, your base premium is higher to start. A 2.08% increase on a $3,200 annual policy adds about $66 a year. On a $4,000 policy, that same percentage adds about $83. The filing’s average of $44 reflects the mix across the whole book, including drivers who carry liability-only coverage with lower base premiums.
If you carry liability-only, your base premium is lower, so the dollar impact is smaller. A $1,200 annual liability policy goes up roughly $25 a year under this increase. Still a change, but a smaller one.
Recent claims on your record push your premium up before any rate filing even applies. The rate change is applied to whatever your current adjusted premium is, not to the state average. If you filed a claim in the past 12 to 18 months, your starting premium is already elevated, and the 2.08% increase sits on top of that.
Drivers with clean records generally sit closer to the state average or below it. If you have had no claims and no violations in the last three years, your premium is likely near or under that $2,507 average, and the added cost from this filing is modest.
The companion filing covers 41,589 policyholders under a different Allstate entity and carries no rate change. If your policy falls under that entity, your premium does not change at this renewal. Check your declarations page or contact Allstate directly to find out which entity underwrites your policy.
Either way, your renewal notice will show the updated premium. Read it carefully. Compare the new figure against what you paid last term. If the number feels higher than expected, this filing is likely part of the reason.
How Allstate Compares
Allstate is one of the three largest personal auto insurers in the United States. It competes directly in Washington with State Farm, GEICO, and Progressive, among others. Each of those carriers has also filed rate changes in Washington in recent years, though the timing and percentages differ filing by filing.
Allstate’s 2.08% average increase in this filing is below the inflation-era highs that many carriers posted in 2022 and 2023. During that period, several major carriers filed increases well above 10% in Washington as loss costs spiked. The fact that Allstate is asking for just over 2% now suggests its loss ratios may have stabilized somewhat, at least in this market.
State Farm holds the largest share of the Washington private passenger auto market and has also filed rate adjustments during the same period. Its rate changes have varied by coverage tier and filing year. State Farm’s Washington rates are generally competitive for drivers with clean records and long tenure with the carrier.
GEICO tends to compete on price for standard and preferred drivers. It has expanded its Washington presence in recent years and often shows up among the lowest quotes for drivers with no recent violations or claims. GEICO’s Washington rate history over the past two years has included its own increases, though the specific timing and percentages differ from Allstate’s filings.
Progressive has built market share in Washington by pricing non-standard and higher-risk drivers more aggressively than some competitors. If your record includes a recent ticket or claim, Progressive’s pricing model may produce a more competitive quote than Allstate’s adjusted rate.
The core point is that no single carrier is cheapest for every driver. Allstate’s 2.08% increase is not dramatic, but it gives you a legitimate reason to request quotes from at least two or three competing carriers before your April 2026 renewal. Even a small premium difference, held across three to five years, adds up.
For a wider look at Washington auto insurance, see our Washington Car Insurance Guide.
The Allstate Washington rate change reflects the carrier’s recent claim experience in the state. Drivers facing the Allstate Washington rate update should compare three to five carriers before renewal. Key takeaway: the Allstate Washington rate move is a signal to shop the market this year.
How to Save on Insurance
If your Allstate policy renews on or after April 17, 2026, your premium goes up an average of $44 per year. Here is what to do with that information.
- Shop before your renewal date. Get quotes from at least three carriers before your current term ends. Progressive, State Farm, and GEICO all write private passenger auto in Washington and are direct competitors to Allstate. A 15-minute quote session could save you more than the $44 this filing adds, especially if your driver profile fits a competitor’s preferred tier better than Allstate’s current pricing.
- Check which Allstate entity underwrites your policy. The companion filing in this pair covers 41,589 policyholders and carries a 0% rate change. If your policy is underwritten by Allstate North American Insurance Company rather than the primary entity, your rate does not change this cycle. Your declarations page names the underwriting company.
- Ask Allstate about telematics. Allstate’s Drivewise program tracks driving behavior and can produce discounts for low-mileage or low-risk drivers. If you are already enrolled and driving safely, that discount partially offsets this increase. If you are not enrolled and you drive fewer than 10,000 miles a year with no recent incidents, it is worth asking.
For more on comparing carriers in Washington and finding the right coverage mix for your situation, see the IRG guide to shopping for car insurance. Allstate is a solid carrier for many drivers, but loyalty alone is not a reason to skip comparison shopping at renewal.
Sources
– Integon National Insurance Company — GMMX-134420417 — (GMMX-134420417.pdf)
– Allstate North American Insurance Company — ALSE-134858576 — (companion) — (ALSE-134858576.pdf)
Sources Used
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16