Car Insurance Washington State – 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 is $2,815 a year, so it pays to compare quotes.
Drivers looking for cheap auto insurance in Washington state will need to look for low rates. The average cost of insurance in Washington state is about $714 a year, compared to the national average of $716. That made Washington the 18th most expensive state in our cheap car insurance study.
Car Insurance Washington State
Car insurance in Washington is not cheap because the state has a high percentage of uninsured drivers and most of its residents live in densely populated cities. When more people drive without insurance, it increases the cost of insurance for everyone. This is because insurance companies still pay the costs incurred by uninsured drivers and pass those costs on to insurance customers. Urban areas tend to see more claims because traffic is denser, which also increases prices. These factors contribute to Washington’s overall high standards.
Average Cost Of Car Insurance (2024)
The good news is that Washington drivers who compare rates from multiple insurance companies can be confident that they have found the best price. Many drivers in Washington can save up to $2,815 a year or even more, just shop around and go with one of the cheapest rates. To make things easier for you, we’ve analyzed quotes from all major insurance companies using multiple Washington state driver profiles and zip codes. You can check out our recommendations below, and you can also compare the cheapest options among Washington auto insurance companies. you are sure to find the right one for your specific needs.
Pemco has the cheapest auto insurance for the best drivers in Washington. Drivers who have never had an accident or received a referral are considered good drivers by insurance companies and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often get additional discounts from their insurance company.
Full coverage applies to policies above minimum state requirements. Because full coverage protects you against many conditions, it costs more than minimum coverage.
After a speeding ticket, most drivers will see their insurance premiums increase for 3 to 5 years. It’s important to remember that each insurance company calculates rates differently, so you should always get multiple quotes to make sure you get the best deal.
Car Insurance Costs By State
A single at-fault accident will often negatively affect your insurance for 3-5 years as insurers will consider you a high risk. Because of the high price, it is even more important to compare the store.
Low credit scores often mark drivers as high risk, so insurers typically charge more for insurance. However, because insurers use different formulas to calculate premiums, your credit score may affect your price with one company more than another. Since each insurance company approaches the loan differently, it’s worth comparing prices.
Because young drivers have less experience behind the wheel, insurance companies tend to charge higher rates than older drivers. On average, most drivers will see their premiums drop as they age, with the biggest drop at age 25. Cheapest car insurance in Washington for older drivers
Although older drivers pay less for car insurance than teenagers, it starts to cost more for older drivers as they get older. Comparing auto insurance rates can save older drivers hundreds of dollars a year.
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Drivers with a DUI on their record typically face much higher rates than drivers with a clean driving record or people with a minor criminal record. A DUI typically affects your insurance rates for 3-10 years, but the violation itself can stay on your driving record for a long time.
To identify the cheapest insurance companies after a DUI, partial price 45 years old, single man, with little insurance, one DUI and good credit with major insurers.
Married drivers often have cheaper car insurance than single drivers. Car insurance companies generally consider married drivers to be more responsible and less risky to insure. To help married drivers lower their insurance costs even more, they match the prices of major insurance companies for a 45-year-old man with low insurance, a clean record and good credit.
The cheapest auto insurance in Washington is Pemco, which charges an average of $57 per month for the state’s minimum coverage. In addition to being the cheapest general car insurance for Washingtonians, it is the cheapest option for several specific categories, such as good drivers and speeding drivers.
Cheapest Car Insurance In Washington (february 2024)
7 Tips for Finding Cheap Washington Car Insurance 1. Compare National and State Insurance
When looking for cheap car insurance, be sure to include local insurance companies. In Washington, state insurance companies such as Erie Insurance, Alfa Insurance and Farm Insurance Bureau may have lower rates than national companies such as State Pharmacy, Geico and Nationwide and have similar customer satisfaction ratings.
Everyone knows that your driving habits and claims affect how much you pay for car insurance. But in Washington, companies may also consider your age, gender, credit history, marital status and more when setting premiums. Insurance rates are affected by the car you drive, your annual mileage and even factors beyond your control.
You need liability insurance to pay for the other driver’s damages if you are at fault for an accident in Washington. On the other hand, collision and comprehensive coverage is optional and may not be necessary if you have an older car, while it is also less expensive to use higher or lower insurance limits. Don’t skimp on the coverage you need, but make informed decisions. This way, you won’t be paying more for your car insurance than you need to.
What’s The Difference Between Sr22 And Regular Car Insurance?
The best car insurance companies in Washington have different discounts, so almost everyone can find ways to save. You may be able to get a discount if you are a student, veteran, good driver, homeowner, willing to go paperless, etc.
Car insurance rates can vary greatly by ZIP code in Washington. Drivers in the least expensive parts of Washington pay an average of $1,700 more per year on auto insurance than those who live 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 can save more by trying usage-based car insurance. If you’re willing to let your insurance company monitor your driving through a smartphone app or electronic device connected to your car, there’s a good chance it will lower your premiums, especially for low-mileage drivers.
You’ll see higher rates if you let your insurance lapse even if you don’t own the car. Washington drivers who do not maintain regular coverage pay an average of 11% more than those who have five years or more.
Compare Vancouver, Wa Car Insurance Rates [2024]
Analysis of cheap auto insurance companies in Washington is based on data from the Washington DMV and Quadrant Information Services. Together with this data, we used the characteristics below to create 40 different driver profiles designed to identify the cheapest Washington motorist insurance companies in key categories. For each post, quotes from leading auto insurance companies in Washington are compared to average premiums in 36 zip codes representing at least 20% of Washington’s population. Military companies like USAA are only considered in the military sector because of their eligibility. restriction. In some cases, they may be the best choice for licensed drivers in general.
In the table below, you can see all the profile attributes used in the analysis, except for specific subsections that make up the Good Driver profile.
Clear, one speeding ticket, one misdemeanor accident, one DUI, suspended license, open container, red light violation, reckless driving, one misdemeanor accident.
If driver profiles are not specified, average Washington insurance rates for 40 different driver profiles using the above variables. Quotation information is provided by Quadrant Information Services and is representative only. Individual rates will vary.
Car Insurance When Leasing (2024)
Finding the cheapest car insurance in Washington can be difficult. But you have a knowledgeable community on your side. Other customers have a lot of knowledge to share, and we encourage everyone to do so while respecting our content guidelines.
Car insurance in Washington costs an average of $58 per month or $699 per year for minimum coverage. 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 car insurance in Washington is 4% higher than the national average for car insurance. There are several factors that affect how much you pay for auto insurance in Washington, including…
Washington drivers can get cheap “no deposit” or “no deposit” car insurance, but all that really means is that you only pay for the first month to get coverage. You can’t get car insurance in Washington without paying upfront.
Cheapest Sr22 Insurance Washington State
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