Washington State Full Coverage Insurance Requirements - The cheapest auto insurance companies in Washington are Pemco, Auto-Owners, and State Farm. The difference between the cheapest and most expensive auto insurance in Washington can be hundreds of dollars a year, so pay the quotes.
Drivers looking for cheap car insurance in Washington state will have to shop around for low rates. The average cost of state minimum coverage in Washington is about $714 per year, compared to the national average of $716. This made Washington the 20th most expensive state in our study of cheap auto insurance.
Washington State Full Coverage Insurance Requirements
Auto insurance in Washington isn't cheap because the state has a high percentage of uninsured drivers and many of its residents live in densely populated urban areas. When many people drive without insurance, the cost of coverage for everyone increases. This is because insurance companies still end up paying for damages caused by uninsured drivers and pass those costs on to customers who pay with insurance. Urban areas tend to see more requests because traffic is heavier, which also drives up prices. These factors contribute to higher rates in Washington overall.
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The good news is that Washington drivers who compare quotes from various insurance companies can be sure they have found the best price. Comparing prices can save drivers hundreds of dollars a year in Washington, so it's worth the effort to compare rates. To make the job easier, he analyzed quotes from major insurance companies using multiple driver profiles and ZIP codes in Washington state.
Pemco has the cheapest auto insurance for most good drivers in Washington. Drivers who have never been in an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with poor records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.
Comprehensive coverage refers to a policy that goes beyond the state's minimum requirements. Because comprehensive coverage protects you in more situations, it costs more than the minimum requirements.
After a speeding ticket, most drivers see their insurance rates increase over 3-5 years. It's important to note that each insurance company calculates rates differently, so you should always get multiple quotes to ensure you get the best deal.
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An at-fault accident typically negatively impacts your insurance for 3-5 years as it is considered high risk by insurers. Due to their higher rates, it is even more important to compare prices.
A low credit score often indicates that drivers are at higher risk, so insurers typically charge drivers more for coverage. However, since insurers use different formulas to calculate premiums, poor credit can affect your rates more with one company than another. Since each insurance company treats credit differently, it pays to compare quotes.
Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers see their rates drop as they age, with a significant drop once they turn 25. The cheapest auto insurance in Washington for older drivers
Although mature drivers pay less for auto insurance than teens, older drivers start to see their rates rise as they enter their senior years. Comparing auto insurance rates can save older drivers hundreds of dollars a year. The cheapest cities for auto insurance in Washington
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The cheapest auto insurance company in Washington is Pemco, which charges an average of $57 per month for the state's minimum coverage. In addition to being the cheapest auto insurer for Washingtonians overall, it's the cheapest option for several specific categories, such as good drivers and drivers with speeding tickets.
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Don't forget to include local insurance companies in your search for cheap car insurance. In Washington, regional insurers like Erie Insurance, Alfa Insurance and Farm Bureau Insurance may have lower rates than national carriers like State Farm, Geico and Nationwide and have comparable customer satisfaction ratings.
Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Washington, companies can also consider age, gender, credit history, marital status and more when setting premiums. The car you drive, your annual mileage, and even factors outside of your control have an impact on the price of insurance.
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You need liability insurance to pay for the other driver's damages if you are at fault in an accident in Washington. Comprehensive and collision coverage, on the other hand, is optional and may not be necessary if you have an older car, and opting for higher deductibles or lower coverage limits will also cost less. Don't skimp on the coverage you need, but make informed decisions. That way, you won't end up paying for more auto insurance than you need to.
The best auto insurance companies in Washington have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you're a student, veteran, good driver, homeowner, ready to go paperless, and more.
Auto insurance prices can vary greatly depending on the Washington zip code. On average, drivers in the most expensive parts of Washington spend more than $1,700 per year on auto insurance than those in the least expensive areas.
Washington State drivers average fewer annual miles than drivers in other parts of the country, which means there are many residents who could save more by trying usage-based auto insurance. If you're willing to let your insurance company monitor your driving through a smartphone app or an electronic device attached to your car, there's a good chance it could lower your premiums, especially for low-mileage drivers.
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You'll see higher rates if you let your insurance lapse, even if you don't own a car. Washington drivers who do not maintain continuous coverage pay an average of 11% more than those with five or more years of insurance history.
The analysis of cheap auto insurance companies in Washington is based on data from the Washington Department of Motor Vehicles and Quadrant Information Services. Along with that data, they used the features listed below to create 40 different driver profiles designed to identify the cheapest auto insurance companies for Washington drivers in a collection of key categories. For each profile, quotes broken down among the top Washington auto insurance companies based on the average premiums of 36 ZIP codes representing at least 20% of Washington's population. Military-specific companies, such as USAA, were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best overall option for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in the analysis of , as well as the specific subset of characteristics that make up our Good Driver profile.
Clean, an at-fault ticket, an at-fault accident, a DUI, suspended license, open container, red light violation, driving under the influence, a no-fault accident
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Where driver profiles are not specified, insurance quotes in Washington averaged over 40 different driver profiles, using the above variables. Quote information is provided by Quadrant Information Services and is representative only. Individual rates will be different.
Finding the cheapest auto insurance in Washington can be difficult. But you have the informed community on your side. Other consumers have lots of ideas to share, and we encourage everyone to do so by following our content guidelines.
Auto insurance in Washington costs $58 a month or $699 a year for minimum coverage, on average. The cheapest auto insurance companies in Washington are Pemco, USAA, and Auto-Owners, and getting quotes from multiple companies can help you find the best deal.
The average cost of auto insurance in Washington is 4% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for auto insurance in Washington, including your driving record, age and location, the amount of coverage you buy, and the insurance company you buy it from.
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For more information, check out our guide to how much auto insurance you need in Washington, as well as our schools for the cheapest auto insurance companies in Washington.
Drivers in Washington can find cheap auto insurance with no deposit or no money down, but all that really means is you only have to pay your first month's premium to get coverage. You can't get auto insurance in Washington without paying something up front. But you can minimize the cost of coverage in Washington, which ranks 32nd cheapest auto insurance rates in the country. The average monthly premium in Washington is approximately $185 per month for comprehensive coverage and approximately $58 per month for state minimum coverage. Drivers in Washington should expect to pay that amount up front each month to keep their auto insurance policy active.
The biggest downside to paying for auto insurance every month is that it almost always costs more than paying for six or 12 months of coverage up front. Some Washington insurance companies charge a little more for premiums from month to month, and there may be payment processing fees as well. Most auto insurance companies also discount rates for customers who pay in advance.
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