Best Cheap Car Insurance in Washington (2024)
Compare and Buy Cheapest Auto Insurance in WA
| Companies | Name | Quotes |
|---|---|---|
 |
USAA | $55 /mo |
 |
Progressive | $61 /mo |
 |
GEICO | $67 /mo |
 |
Travelers | $71 /mo |
Get the Cheapest Car Insurance Rates in Washington
Every driver in Washington can not afford car insurance. Hence, there is a need for cheap car insurance rates in the city. At Rateforce; our team works hard to provide the most affordable rates to all the drivers of Washington. Here is the list of the top 4 companies in Washington that have the cheapest car insurance rates:
Best Car Insurance Companies in WA
There is a huge difference between the best and cheap rates for car insurance in every state. We understand that not every driver needs the cheapest rates, some might want the best for their vehicle. To provide you a list of the best car insurance companies in Washington we have analyzed several factors of all the companies in the area. Here is a list of the top 5 car insurance companies that provides the best quotations in Washington:
| Companies | Name | Quotes |
|---|---|---|
|
USAA | $55 /mo |
|
Progressive | $61 /mo |
|
Travelers | $71 /mo |
 |
The General Insurance | $81 /mo |
 |
Bristol West Insurance | $117 /mo |
Cheap Minimum Liability Car Insurance in Washington
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Washington:
- Progressive: $63 per month
- GEICO: $71 per month
- Travelers: $84 per month
- StateFarm: $93 per month
- Nationwide: $102 per month
Cheap Basic Full Coverage Car Insurance in Washington
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in WA. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Travelers: $170 per month
- SafeAuto: $184 per month
- Progressive: $193 per month
- GECIO: $204 per month
- Allstate: $212 per month
Cheap Premium Full Coverage Car Insurance in Washington
Here is the list of top auto insurance carriers that provide the cheapest full coverage in WA. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Travelers: $211 per month
- SafeAuto: $236 per month
- Progressive: $249 per month
- GECIO: $263 per month
- Allstate: $279 per month
Washington Car Insurance Requirements and Laws
Minimum Car Insurance Requirements in WA
Every state has its minimum legal requirements to drive or park a vehicle on the roads of the state. The same goes for Washington; every driver is required to have the minimum insurance. Here are the details of the minimum car insurance requirements in Washington:
- Bodily Injury Liability (BIL) Coverage:
If you are at-fault in an accident then you will be responsible to cover the medical bills of the driver. Every state has its minimum liability to provide medical bill coverage. In Washington, below are the legal minimum bodily injury liability a driver is required to buy:
$25,000 per person to cover the expenses of medical bills or the death of the driver. and $50,000 per accident to cover the expenses of all the medical bills or death of all the passengers in the vehicle. - Property Damage Liability (PDL) Coverage:
This one is to cover all the repair expenses of the damages caused to the personal property of the victim. This can be the vehicle, fence, house, garden, or any other property of the victim. Below is the minimum liability coverage required for property damage in Washington: $10,000 per accident is the minimum amount to drive on the roads of Washington legally.
Additional Auto Insurance Coverage in Washington
After the minimum requirement, some other types of insurance coverage will be required to protect your vehicle. These types of coverages will help you to save your money during different accidents:
- Collision Coverage:
Collision coverage will protect your car in case you collide with another living or non-living subject. It can be a pedestrian, tree, fence, or another vehicle; your insurance company will be responsible for all the damage repair. - Uninsured and Underinsured Motorist:
This one is beneficial if you get into an accident and the other driver’s insurance can not cover your damages. In such a situation your insurance carrier will be liable to cover your expenses. - Comprehensive Coverage:
Comprehensive coverage is required to provide coverage for your vehicle in case of a natural or man-made disaster. If your vehicle gets caught in a flood, storm, fire, or vandalism then your insurance company will cover the repair expenses. - Roadside Assistance:
This type of coverage will help you if your vehicle breaks down in a deserted place. In such situations, you can call your insurance company and they will send you help instantly. All the repair costs will be covered by the insurance company only. - Medical/Funeral Services:
The driver will get insurance coverage for medical services like calling an ambulance or dead body transportation. Moreover; the company will assist in funeral services and will cover all the costs of it. - Loan/Lease Payoff:
This coverage is important in case your vehicle gets into total loss and cannot be repaired. The insurance carrier will provide coverage to pay the pending loan amount or lease amount on the vehicle. - Rental Car Reimbursement:
You can rent a car until your vehicle is under maintenance by your insurance agency. All the cost of car renting will be covered by the insurance company.
Cheap Car Insurance Quotes in Washington on Ticket Profile
There are a lot of factors that affect the final cost of car insurance. Based on these factors some ticket profiles get higher or lower insurance rates as compared to others. Below are the most popular five car insurance ticket profiles in Washington:
Cheapest Car Insurance for Drivers with a DUI in Washington
Driving under the influence is one of the most serious crimes in any state and any country. The driver can try for fallout but the process is long and complex. It includes; SR-22 filing, court fines, reinstatement fees, etc.
The most important part is; your insurance company will increase the cost of car insurance. The drivers with a DUI have to struggle a lot to get affordable car insurance rates.
Hence we have the list of top 3 companies in Washington that have the cheapest car insurance rates for drivers with DUI:
| Insurance Company | Quote |
|---|---|
| Progressive | $75 /mo |
| Allstate | $81 /mo |
| State Farm | $83 /mo |
| Insurance Company | Quote |
|---|---|
| Progressive | $46 /mo |
| GEICO | $67 /mo |
| State Farm | $71 /mo |
| American Family | $56 /mo |
Best Auto Insurance for Good Drivers in WA
A driver with a clean driving record and a good experience on the road is considered a good driver. Good drivers always get lower insurance rates as compared to every other driver.
So are you someone more than 40 years of age and a clean driving history? Then you can ask for a good driver quote. Below are the companies that have the cheapest car insurance rates for the good drivers in Washington:
Cheap Car Insurance for Speeding Drivers in Washington
Yes, speeding on a highway is thrilling but there is a reason we have speed limits everywhere. In 2021; more than 12,000 deaths are due to a speeding vehicle. This is the reason that insurance companies always consider speeding drivers as risky.
Speeding drivers get certain points on their record after getting caught as per the speed of their vehicle. Based on these points the insurance company decides the rise in the insurance rates:
| Insurance Company | Quote |
|---|---|
| Progressive | $39 /mo |
| State Farm | $48 /mo |
| Grange | $63 /mo |
| Insurance Company | Quote |
|---|---|
| PEMCO | $62 /mo |
| USAA | $53 /mo |
| GEICO | $58 /mo |
Cheap WA Car Insurance Rates for Drivers with an At-Fault Accident
Drivers with an at-fault accident are also risky as per the insurance companies. Hence they provide high insurance rates to these drives. At-fault drivers can also apply for forgiveness but the process is long and complex here as well.
Below is the list of the top 3 companies of Washington that provides affordable car insurance rates to drivers with DUI:
Cheap Car Insurance for Young Drivers in Washington
Young drivers always get the highest rates as compared to all the other drivers. The major reason is young drivers have no experience on the road and are considered the riskiest drivers. As a result, the companies avoid taking risks with young drivers.
Young drivers can try student discounts if they have an average grade of B or higher. Students discount is the best option to get lower insurance rates for young drivers. Below are the rates from the top 5 companies that provides the cheapest car insurance rates to the young drivers in Washington:
| Insurance Company | Quote |
|---|---|
| USAA | $45 /mo |
| PEMCO | $47 /mo |
| Progressive | $59 /mo |
| State Farm | $63 /mo |
| GEICO | $69 /mo |
| Insurance Company | Quote |
|---|---|
| Nationwide | $138 /mo |
| Travelers | $162 /mo |
| GEICO | $189 /mo |
| StateFarm | $218 /mo |
| Allstate | $247 /mo |
Cheapest Coverage for Drivers with Poor Credit in WA
Drivers with poor or bad credit scores also get higher insurance rates as compared to the others. There are some states where insurance companies are not allowed to consider credit score as a factor to calculate car insurance rates. Still, some companies increase the insurance rates based on the credit score of the driver.
Below are the companies that provide affordable car insurance for drivers with a poor credit score in Washington:
Which Car Insurance Discounts are available in Washington?
The average car insurance cost in Washington is $1160 which is 16.8 percent less than the national average. Still, it is difficult to afford for many drivers in Washington. The best way to get affordable car insurance is by asking for discounts. Below are the four types of car insurance discounts you can ask from your insurance carrier in Washington:
Upfront Payment Discount:
If you can pay your annual premium in advance then your insurance company will provide you a good discount. Every car insurance company prefers advance payment. To promote this payment model, they reward the driver. Hence; if you are financially capable to pay the annual premium in advance then you can get a good discount.
Safety Features Discount:
Safety features in the cars provide extra security to the driver, passengers, and the vehicle. Hence the chances of accidents and injuries decrease which leads to less claim filing by the driver. If your car has features like automatic seat belts, anti-theft car alarms, etc then you can ask for this discount.
Multiple Vehicles Discount:
Do you have more than one vehicle and you need insurance for all of them? Then your insurance company will try to convince you into buying a policy for all of the vehicles from them. As a result, they will provide good discounted rates, sure to negotiate as much as you can for this discount.
Multiple Policy Discount:
This type of discount is applicable if you already have a car insurance policy and you need other insurance. It can be house owner insurance, life insurance, or any other insurance. Your insurance carrier will try to convince you into buying all the policies from them. As a result, they will provide good discounts to you.
SR-22 Car Insurance in Washington State
SR-22 insurance is compulsory for the drivers whose driving license has been suspended due to any reason. The reason for license suspension can be too many violations, DUI, Hit and Run, Reckless driving, etc.
Below is the list of how car insurance cost can increase based on different violations:
| High-risk Rating Factor | Average Annual Rate | Increase vs. No Violations |
|---|---|---|
| No Violations | $1,343 | — |
| At-fault crash (>$2,000) | $2,032 | $627 |
| Speeding (21-25 mph > limit) | $1,719 | $339 |
| Reckless driving | $1,947 | $562 |
| Racing | $2,109 | $751 |
| Hit-and-run | $2,134 | $761 |
| DUI/DWI | $1,983 | $623 |
Best Cities for Cheap Car Insurance in Washington
The location of the driver plays a very important role in car insurance rates. Every state and every city has different car insurance rates. Several factors affect the location of a driver like the crime rate, environment type, quality of roads, etc.
If you are also wondering what will be the cost of car insurance in your city then below is the list. Check out the car insurance rates in the top cities of Washington state:
| City | Average Annual Cost |
|---|---|
| Federal Way | $1,681 |
| Tacoma | $1,699 |
| Auburn | $1,678 |
| Renton | $1,676 |
| Kent | $1,665 |
| Seattle | $1,648 |
| Lakewood | $1,641 |
| Everett | $1,598 |
| Sammamish | $1,511 |
| Bellevue | $1,481 |
| Marysville | $1,478 |
| Kirkland | $1,421 |
FAQs About Car Insurance In Washington
How to get cheap car insurance for Washington?
There are two major ways to get cheap car insurance:
- Discounts: There are different types of car insurance discounts that you can ask from your car insurance carrier.
- Compare the rates: Compare WA car insurance quotes from different car insurance companies to check which one provides the cheapest rates.
What if I get caught while driving without car insurance in Washington?
Driving without car insurance in Washington will lead to fines and suspension of the license. You will have to pay a $550 fine and your license will get suspended until you give proof of insurance.
What is the new car insurance grace period in Washington?
The new car insurance grace period is 2 to 30 days in Washington. This is how long you can drive your newly purchased vehicle in Washington.
What is the late fee for car insurance in Washington?
The late fee depends on the state and the insurance company. Most of the time the average late fee for car insurance is $15 per day.
Can my friend drive my car if he or she does not have car insurance in Washington?
Car insurance generally follows the car, not the driver. As long as your car has insurance and your friend has a license there won’t be any issues.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.