Cheapest Car Insurance Rates for January 2021
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Cheap Auto Insurance in Washington: Best Companies & Quotes
Best Car Insurance Companies in Washington
- Mutual of Enumclaw
- State Farm
- American Family
|Mutual of Enumclaw||Progressive||State Farm||American Family||Farmers||Geico|
|AM Best Financial Strength Rating||A-||A+||A++||A||A-||A++|
|JD Power 2019 Overall Customer Satisfaction score||Not Rated||3/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$527||$529||$575||$731||$1,015||$688|
|Consumer Reports Reader Score||N/A||75||78||89||72||78|
Auto Insurance Statistics in Washington
In recent years, the average car insurance premium continues to increase but is now below the national average.
Top 10 Cheapest Car Insurance Companies in Washington
|Rank||Company Name||Avg. Annual Premium|
|7||Capital Insurance Group||$1,259|
Drunk Driving Fatalities
Drinking and driving in Washington state has been at a rate that is above the national average for the past few years except for a decline in 2015. This indicates that the rate of drunk drivers is much higher in Washington than in many other states across the country. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Washington vs. nationwide.
Drunk driving fatalities in Washington from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Washington was at 30.8% in 2017. This indicates that the rate of teen drinking and driving is substantially higher than in other areas around the country. The below statistics compare the percentage of Washington drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Washington vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Washington
One of the hardest parts about getting your license back after a suspension is proving that you’re financially viable. Many US states, including Washington, make their drivers prove they have enough coverage to drive again before reinstating a license. This is done via SR-22 insurance policies, which provide direct documentation to your DMV to prove that you have a basic level of coverage.
Each state has different requirements for coverage. Washington is currently quite similar to many states around the country. You will need $10,000 of property damage coverage, $25,000 of per personal bodily injury coverage, and $50,000 of per accident bodily injury coverage. You can also ask your insurance provider for the most up to date coverage levels.
Car Theft in Washington
In Washington, the rate of car theft has been almost double that of the national rate of vehicular thefts over the past few years. By learning about the rate of car thefts in Washington, drivers can learn which types of insurance they need to have. With comprehensive insurance coverage, you will be protected for the full amount of your vehicle in the event of automobile theft.
Vehicle Thefts by rank Nationwide vs. Washington
Uninsured Motorists in Washington
Driving without insurance can cause a driver to have to pay a hefty sum out of pocket in the event of an accident. If you are ever in an accident with another driver who is uninsured or underinsured, it helps to have your own insurance to cover property damage and medical bills. This type of insurance is called uninsured and underinsured motorist coverage. The below data shows how well Washington ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
Washington, commonly called “The Evergreen State”, is a great place for road trips. With its scenic coastal highways, old growth forests, and clear mountain lakes, it can be a nature-lover’s paradise. Whether you’re in the mood to cruise by the Pacific, or go through the majestic Olympic National Park, you need a vehicle to make your way through.
With owning a vehicle comes the responsibility of having it insured. According to Washington law, all drivers must have the following minimum insurance on their vehicles:
- $25,000: For injury or death inflicted upon others during an accident.
- $50,000: For injury or death to all people from a given accident.
- $10,000: For damage or destruction of another person’s property during an accident.
- $60,000: Minimum liability bond required.
Fortunately, auto insurance in Washington tends to be pretty inexpensive compared to the rest of the country. On average, the state’s residents pay $534 to have their vehicles insured. Of course, depending on the location and the company, you can end up paying significantly more or less than that amount. To make the process simpler, we’ve compiled a list of the cheapest auto insurance companies for each of Washington’s five biggest cities:
Seattle, the state’s most populous city, is known for a host of different reasons. The music scene here is legendary. Widely considered the birthplace of grunge music, it’s spawned a wide range of successful artists. Nirvana, Pearl Jam, Soundgarden, and Alice and Chains are just a few notable bands who call this city home.
For auto insurance rates, Seattle is the most expensive city in the state. People living here pay an average of $622 per year for their vehicles to be insured. For those willing to check out all the options available, there are savings to be had. Grange, for example, offers average rates of $366 per year. Here are the other cheapest insurance companies for Seattle:
- State Farm
- The Hartford
Located near the Rocky Mountain foothills, Spokane is Washington’s second largest city. It features some beautiful architecture, particularly in the downtown where you can find Romanesque Revival buildings. For early settlers, it was an important trading post.
Auto insurance here is a bit cheaper than the state average, with residents paying around $455 per year. The following companies offer additional savings, led by Amica, with rates as low as $300 per year:
- State Farm
- California Casualty
Washington’s third biggest city, Tacoma is named after nearby Mount Rainier, which was originally called Takhoma. It was once known as the “City of Destiny”, because it was chosen as the endpoint for the Northern Pacific Railroad during the late 1800’s.
Auto insurance here is pricey compared to the rest of the state, with the average plan costing about $600 annually. Companies like Amica, Farmers, and Chubb offer cheaper auto insurance options for this location:
- State Farm
Situated on the northern bank of the Columbia River, Vancouver is Washington’s fourth largest city. Once a place for fur trading and timber harvesting, the city’s biggest employers are now the PeaceHealth Southwest Medical Center, followed by the local public school systems. Auto insurance here is reasonable with average rates of $512 per year, just below the state’s average:
- State Farm
Bellevue is Washington’s fifth largest city. Along with its neighbor, Redmond, it serves as one of the state’s major technology hubs, headquartering a number of tech companies. Auto insurance rates are around the state average, at $529 per year. You can find the best deals in the area with these companies:
- State Farm
- California Casualty
Types of Auto Insurance Coverage in Washington:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver Requirements in Washington
According to the Washington State Department of Motor Vehicles (DMV), each new driver is required to practice their driving skills before obtaining a standard driver license.
Any applicants for a regular driver license who are enrolled in an approved driver education course can get their permit at the age of 15. However, applicants who have yet to be enrolled in a course can obtain their permit when they are 15 years and 6 months.
A holder of an Instruction Permit can drive as long as they are with a licensed driver who has already had their license for at least the past 5 years.
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, we know you want to save on the cost of car insurance in Washington State and we are dedicated to helping you do just that. Count on us to provide the best ways for you to save on your car insurance premiums such as with auto insurance discounts. Browse the list of auto insurance discounts below to find some of the auto insurance discounts you can use to save as much as possible on the cost of car insurance in the state of Washington.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in Washington
In this section, you will find general questions regarding auto insurance in Washington state.
What are the laws in Washington state regarding car insurance?
Law in Washington state regarding car insurance state that all drivers over the age of 18 and who currently own, lease or finance a car must have a minimum car insurance policy with liability insurance coverage.
How long do I have to get car insurance after buying a car in Washington?
After buying a car in Washington, you have only a few hours to get car insurance for the vehicle. By Washington state law, you cannot drive an uninsured vehicle on Washington roads. If you need fast coverage you can buy online cheap car insurance right now.
In Washington state, how long do you have before you need to put car insurance on a car?
In Washington state, you only have a few hours to put car insurance on a car. You have to put a minimum of liability coverage on a car before driving on any of Washington’s roads.
How to get car insurance in Washington?
In order to get car insurance in Washington, you will need to first get a quote for insurance for your car. The best way to do this is to do this is by contacting insurance companies in your area and talking to a representative. Once you have a quote, you will have to pay the first month’s premium in order to have coverage on your car.
How many days do you have to get insurance after buying a new car in Washington state?
You will only have a few hours to get car insurance on your new car in Washington state. However, if you already have insurance on a previous car, you will have between 2 weeks and 30 days to let your insurance company know that you have purchased a new car.
Who needs to pay auto insurance in Washington state?
Every person who is over the age of 18 and either has a car that they own, lease or finance will have to pay auto insurance on their car. Even teenagers who have access to drive a car must have insurance paid for them.
What was the car insurance increase in Washington state?
The car insurance increase in Washington state was at least 10% compared to the national average. Some counties in Washington saw an insurance increase between 10% and as high as 32%.
How to proceed in Washington where you didn’t get another driver’s insurance info during an accident?
The best way to proceed in Washington when you failed to get another driver’s insurance info during an accident is to continue to alert your car insurance to the accident. You may have to cover the damages to your vehicle out of your own pocket.
What do I need to show the DMV in Washington State proof of insurance when buying a car?
In order to prove to the DMV that you have proof of insurance after buying car is to show a DMV worker your proof of insurance card that includes your policy number and effective insurance date.
When did Washington start using credit score for car insurance?
The use of credit score to calculate insurance rates started in Washington in 2016 when legislation was accepted in the state. This credit score affects all drivers who require car insurance.
How to find your auto insurance claim records for insurance in Washington?
The best way to find your auto insurance claim records for insurance in Washington is to check with your insurance company either in person or online where you can request copies.
What to do in Washington state when your insurance offer you too little for your totaled car?
In Washington state if your insurance offers you too little for your totaled car, unfortunately you will have to cover the remaining cost out of pocket or apply for a loan to cover the remaining damages.
When buying my first car, when do I have to get insurance in Washington state?
When purchasing your first car in Washington, you will need to get insurance as soon as possible. You will not be able to drive your car on any Washington roads without the proper insurance.
How does personal car insurance work if you are a delivery driver in the state of Washington?
If you are a delivery driver in the state of Washington, your personal car insurance will work to primarily cover damages to your car. However, you may need to add a supplemental insurance plan to cover damages taken while on the clock.
What age in Washington state do you have to be to own a car in your name and car insurance in your name?
In the state of Washington, you will have to be a minimum age of 18 in order to own a car in your name or an insurance policy in your name. However, under the age of 18 and you can remain on your parent’s insurance policy if you wish.
How to get temporary car insurance in Washington?
When did car insurance become mandatory in Washington state?
Car insurance in Washington state became mandatory the same year that most states in United States passed mandatory insurance laws: 1927. The first state to pass mandatory insurance laws was Connecticut in 1925.
How long do you have to get car insurance in the state of Washington?
You only have a few hours to get car insurance on a car in Washington, especially if you want to drive in the near feature. Failure to have car insurance on your car before driving can result in serious consequences. Learn more about how to get auto insurance.
How long do accidents after your car insurance in Washington state?
In Washington state, car accident can affect your car insurance by increasing deductibles or premium prices for as long as 3 to 5 years. This depends on the county and the insurance company.
How to report car insurance fraud in Washington state?
The best way to report car insurance fraud in Washington state is contact the Office of the Insurance Commissioner of Washington State directly by visiting the number or calling the number (360) 586-2566.
When is SR22 insurance required in Washington?
This type of insurance is usually meant for those who get a DUI. Its more expensive than typical insurance. Learn more: How much is sr22 insurance?
Auto Insurance Rates in Washington
In this frequently asked question section, you will find questions pertaining to auto insurance rates in Washington.
How much is car insurance in Washington?
The average rate for car insurance in Washington ranges from $889 to as high as $1,639 a year. This rate can range due to the person who is being insured, what county they live in and the type of car they drive. Compare online auto insurance quotes to find the best rake for your unique situation.
What is the cheapest car insurance in Washington state?
Why is car insurance so expensive in Washington?
Car insurance is so expensive in Washington due to many factors such as recent insurance legislation that has been passed in the state and the number of accident claims being made every year.
What is the average auto car insurance bill in Washington state?
The average auto car insurance bill in Washington state will be between $75 to $100 a month. This will depend on the type of coverage that is purchase, the insurance company and the type of car being insured.
How does auto insurance work in Washington state when you borrow a car?
Unless the owner of the vehicle has a temporary insurance policy that covers you when you borrow their car, if you were to get into an accident in Washington state with their current policy, they may not be covered for damages in the case of an accident.
How much does car insurance cost in Washington for a 22 year old?
The cost of car insurance in Washington for a 22 year old driver will range from $1,200 to $1,800 for a yearly premium. This will depend on the type of coverage purchased under the insurance policy. You may benefit from affordable car insurance for college students if that describes you.
How much is car insurance in Washington per month?
The average rate of car insurance in Washington per month ranges between $75 to $100 for a yearly premium. This is for liability insurance. This price will differ based on the type of coverage. Talk to the agent about one month auto insurance if you’re only needing this for a short term purpose.
How much is car insurance in Washington for an 18 year old?
Car insurance in Washington for an 18 year old driver will be higher than it would be for a driver over the age of 24. The average cost is around $2,000 to $3,000 for a yearly premium.
How much is full coverage car insurance in Washington state?
The cost of full coverage car insurance in Washington state can range in price starting at $3,600 to $4,800 for a yearly premium which equates to around $300 to $400 a month for coverage. If you’re trying to find the cheapest full coverage car insurance then we can help with that. Some people also opt for gap insurance coverage if they have a new car with a loan.
How much does the insurance cost for a week on a rental car in Washington state?
The cost of insurance on a rental car for a week in Washington state can range from an additional $10 to $30 a day. This depends on the rental car company and the type of temporary rental insurance provided. Read more: How much does car insurance cost?
How will unlawful speed affect car insurance rate in Washington state?
Unlawful speed can affect car insurance rates in Washington state by raising annual rates for as long as three years. This depends on the severity of the speeding ticket and how long it stays on your personal driving record.
What car insurance is cheapest in Washington state?
The cheapest car insurance in Washington state is liability insurance with a minimum bodily injury liability coverage of $25,000 per person and $50,000 per accident. This insurance must also include property damage liability coverage of $10,000. Also classic car insurance can definitely be some of lowest rates you will find if your vehicle qualifies.
What car insurance discount can I get if I drive less than 25 miles a day in Washington?
The type of car insurance discount you can get if you drive less than 25 miles a day in Washington is a pay-per-mile auto insurance discount. You will have to check with your insurance company to see if they offer this discount.
How much is car insurance for a teenager in Washington state?
Car insurance for a teenage in Washington state is higher than it would be for an adult driver. The average cost for a teenager can range from $3,000 to $4,000 for a yearly premium. The best insurance for young drivers is going to be the company that competes the most for your business. Do a quotes comparison to discover which company is best.
How long does car insurance rates increase after an accident in Washington?
Car insurance rates can increase in Washington for up to 3 years after an accident. It depends if you were the one to cause the accident and if the accident stays on your driving record.
Auto Insurance Companies in Washington
This section covers basic questions regarding auto insurance companies in Washington.
How to shop for auto insurance rates from Washington state auto insurance companies?
The best way to shop for auto insurance rates in Washington state from auto insurance companies is to request quotes from each of the insurance company agencies near you. Then you can choose the insurance company with the lowest rates. If you’re considering switching car insurance companies then simply finish our form above and compare rates.
Who is the best car insurance company in Washington state?
The best insurance company in Washington state is Grange Insurance Association. Not only does Grange Insurance Association offers the lowest insurance rates in the state, but they offer the best coverage for the price. Some say this is also the cheapest car insurance company.
Auto Insurance Coverage in Washington
In this frequently asked question section, you will find general questions pertaining to auto insurance coverage in Washington state.
If you have an old car, what type of car insurance do you need in Washington state?
If you have an older car in Washington state, the type of car insurance you will need is liability insurance. If you have a car that is over 30 years old, you can apply for a classic insurance policy.
What car insurance covers Lyft drivers in Washington state?
The type of car insurance that covers Lyft drivers is liability insurance coverage as well as a supplemental auto insurance policy. You will have to check with your insurance company to see if they offer protection for Lyft drivers.
In Washington state, does my teen need car insurance when they have their learner’s permit?
Yes. The moment your teen has their learner’s permit and have access to a vehicle they can drive, it is important to add them onto your insurance policy. If they aren’t covered under your policy, you may not be covered for damages they cause in an accident.
What insurance do I legally need to have in the state of Washington when financing a car?
The type of insurance that you legally need to have in the state of Washington when financing a car is a minimum of liability insurance. However, most car dealerships will require you to have full coverage auto protection in order to finance a car.
What are the insurance requirements when leasing a car in Washington?
The insurance requirements for leasing a car in Washington is full coverage insurance. However, depending on the car dealership, you may be able to get away with the state minimum insurance of liability coverage.
What is included in full coverage car insurance in Washington state?
Full coverage car insurance in Washington state will include collision coverage with bodily injury protection per person, comprehensive coverage with property damage per accident protection and uninsured and underinsured motorist coverage.
What should I carry for car insurance coverage in Washington state?
You should always carry a proof of insurance card and current car registration to prove that you have car insurance coverage in Washington state. Failure to do so will result in possible consequences.
What are full coverage auto insurance limits in Washington?
The full coverage auto insurance limits in Washington have to include bodily injury coverage protection with a limit of $25,000 per person and $50,000 per car accident. It will also have to include property damage coverage with a limit of $10,000.
Lack of Insurance in Washington
In this section, you will find general questions regarding the lack of insurance in Washington state.
What is the fine for having no car insurance in Washington state?
The fine for having no car insurance in Washington state can go as high for $450. This will change depending on how many driving with no insurance offenses you have on your driving record.
How many percent of people don’t have car insurance in Washington?
The percentage of people who don’t currently have car insurance in Washington has increased up to 17.4%. Washington state is currently the seventh highest state in the US with uninsured drivers.
How long can you be without car insurance in Washington state?
You technically can’t be without car insurance in Washington state for any period of time unless you don’t have a car. By law it is required to insure your car with a minimum of liability insurance.
What happens if you don’t have car insurance in Washington state?
If you don’t have car insurance in Washington state, you can face serious consequences such as fines that can go as high as $1,000, loss of driving privileges, increased insurance rates and possible jail-time.
What happens if I get pulled over without car insurance in Washington?
If you get pulled over without car insurance in Washington, you can possibly get arrested or have your car towed. This can even result into hefty fines from the state and the loss of driving privileges.