Cheap Auto Insurance Quotes in Washington

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Washington Car Insurance Averages for Annual Premiums

$408
Minimum Coverage Average
$1305
Full Coverage Average
$1078
All Coverage Types Average

Cheapest Car Insurance in Washington

Getting cheap car insurance in Washington doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Washington affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Washington

The Insureist™ Data Science team ranks the best insurance companies in Washington using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Washington are determined based on these results.

Car Insurance in Washington

Washington Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Washington to give you an idea of the average insurance premium in each city.  WA insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Washington Car Insurance Quotes

The cheapest insurance companies in Washington will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Washington. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Washington.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for WA car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for WA auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some WA insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Washington SR‌-22 Insurance

You will need to get SR‌-22 insurance in WA if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in WA files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Washington Car Insurance & Driving Facts

Which car insurance is best in Washington?

The best car insurance company in Washington will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple WA insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Washington?

The minimum auto insurance liability coverage required in the state of Washington is 25/50/10. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $10000 property damage coverage per accident. While these are the legal minimums to drive in Washington, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional WA auto insurance coverage depending on your financial situation.

How much does car insurance cost in Washington?

The average annual cost of an auto insurance policy in Washington is $1078. The average minimum coverage annual cost in Washington is $408. The average full coverage annual cost in Washington is $1305.

How does car insurance work in Washington?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Washington?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Washington Map

Washington

Vehicle Insurance

Cities

Washington (), officially the State of Washington, is a state in the Pacific Northwest region of the United States. Named for George Washington, the first U.S. president, the state was made out of the western part of the Washington Territory, which was ceded by the British Empire in 1846, in accordance with the Oregon Treaty in the settlement of the Oregon boundary dispute. The state, which is bordered on the west by the Pacific Ocean, Oregon to the south, Idaho to the east, and the Canadian province of British Columbia to the north, was admitted to the Union as the 42nd state in 1889. Olympia is the state capital; the state's largest city is Seattle. Washington is often referred to as Washington state to distinguish it from the nation's capital, Washington, D.C.

Washington is the 18th largest state, with an area of 71,362 square miles (184,827 km2), and the 13th most populous state, with more than 7.6 million people. Approximately 60 percent of Washington's residents live in the Seattle metropolitan area, the center of transportation, business, and industry along Puget Sound, an inlet of the Pacific Ocean consisting of numerous islands, deep fjords, and bays carved out by glaciers. The remainder of the state consists of deep temperate rainforests in the west; mountain ranges in the west, central, northeast, and far southeast; and a semi-arid basin region in the east, central, and south, given over to intensive agriculture. Washington is the second most populous state on the West Coast and in the Western United States, after California. Mount Rainier, an active stratovolcano, is the state's highest elevation, at almost 14,411 feet (4,392 meters), and is the most topographically prominent mountain in the contiguous U.S.

Washington is a leading lumber producer; its rugged surface is rich in stands of Douglas fir, hemlock, ponderosa pine, white pine, spruce, larch, and cedar. Washington is the nation's largest producer of apples, hops, pears, red raspberries, spearmint oil, and sweet cherries, and ranks high in the production of apricots, asparagus, dry edible peas, grapes, lentils, peppermint oil, and potatoes. Livestock and livestock products make important contributions to total farm revenue, and the commercial fishing of salmon, halibut, and bottomfish makes a significant contribution to the state's economy. Washington ranks second only to California in wine production.

Manufacturing industries in Washington include aircraft and missiles, shipbuilding, and other transportation equipment, food processing, metals and metal products, chemicals, and machinery. Washington has more than a thousand dams, including the Grand Coulee Dam, built for a variety of purposes including irrigation, power, flood control, and water storage.

Washington is one of the wealthiest and most socially liberal states in the country. The state consistently ranks among the best for life expectancy and low unemployment. Along with Colorado, Washington was one of the first to legalize medicinal and recreational cannabis, was among the first thirty-six states to legalize same-sex marriage, doing so in 2012, and was one of only four U.S. states to have been providing legal abortions on request before the 1973 Supreme Court decision in Roe v. Wade loosened abortion laws nationwide. Similarly, Washington voters approved a 2008 referendum on legalization of physician-assisted suicide, and is currently one of nine states, along with the District of Columbia to have legalized the practice.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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