Cheapest Car Insurance in Washington for 2022 | Bankrate

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The cheapest car insurance in Washington

Like in most states, car insurance is a necessity in Washington. however, just because it is a ask purchase does not mean that you have to strain your budget. By understanding what companies offer depleted average rates and comparing quotes from several policy carriers, you might find coverage that fits your needs and finances. If you are shopping for the cheapest car indemnity in Washington, these companies might be a good place to start :

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $292 $818
Pemco $314 $952
Geico $359 $912
Progressive $376 $974
State Farm $404 $951

USAA

USAA entirely sells indemnity to active duty and retired military personnel and their eligible family members. The company is highly rated for its customer servicing, claims handling and coverage options, and systematically offers broken average prices. If you qualify for coverage, you may want to consider getting a quotation from USAA. USAA ’ s web site claims that drivers save an median of $ 725 when they switch from another supplier. With a assortment of discounts, like garaging a vehicle on a military base, being a ache scholar, insuring a new vehicle and being claims-free for at least five years, you may be able to lower your pace even more. Learn more : USAA Insurance review

Pemco

Pemco is a regional supplier, selling indemnity good in the Pacific Northwest. If you are looking for a company that focuses on the singular needs of drivers in this area, Pemco might be a good choice. Pemco besides has local agents who may be able to help you with your car indemnity search.

The company offers numerous discounts geared toward Washington drivers. In addition to more common discounts like savings for insuring both your car and home, having certain fomite safety features and being a good scholar, you might besides save if you are a University of Washington alumni, if you pay in wax or if you are an educator .

Geico

Geico is often one of the top picks for drivers who want brassy, basic coverage without lend endorsements. While the company does offer standard car insurance coverages like liability, collision and comprehensive examination coverage, there are not many options for customization. Geico ’ second car insurance second options are limited, but the caller does offer a retentive list of discounts that may interest you if saving money is your primary coil concern. There are discounts for federal employees, military members, employee/membership groups, having a vehicle with certain safety features, being a thoroughly student and being a safe driver. Learn more : Geico Insurance review

Progressive

Progressive is another popular insurance company in Washington. The company is known for its wide image of coverage options, discounts and on-line tools. liberal ’ randomness average full moon coverage premium is the highest on our list but is however below Washington ’ mho average. To help offset the cost of car indemnity, Progressive offers impressive discounts. many drivers are conversant with Progressive ’ s Snapshot safe driver program, which could lead to an individualized rebate based on your driving habits. Progressive besides allows you to use the Name Your Price Tool to find coverage options within your personal monetary value range. Learn more : progressive Insurance review

State Farm

state farm is the largest car indemnity ship’s company in the country, with over 16 % of the entire marketplace partake. With low average rates, full coverage options and several discounts, State Farm might be a good fit for your needs. If you prefer to work with an in-person agent quite than handling your indemnity needs digitally or by call, State Farm might be particularly appealing. The company has local anesthetic agents stationed across Washington state. With State Farm, drivers get access to two safe driver discount programs, Drive Safe & Save for adults and Steer Clear for drivers under 25. There are besides discounts for being a beneficial scholar, being a scholar away at educate, being accident-free and having a fomite with certain base hit features. Learn more : state grow Insurance inspection

Minimum coverage requirements for Washington drivers

The state of Washington requires drivers to carry at least minimal limits of liability coverage to drive legally. In Washington, you must have at least the succeed minimal coverage limits :

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

Washington besides requires the keep up to be offered, but policyholders can reject them in writing if they wish :

  • $25,000/$50,000 underinsured motorist bodily injury
  • $10,000 underinsured motorist property damage
  • $10,000 basic injury protection

Drivers who opt for minimum coverage pay some of the lowest rates. however, most policy companies recommend that you purchase coverage beyond the minimum compulsory amount if you are financially able to do then. If you cause an accident and damages exceed your policy ’ second coverage limits, you are creditworthy for paying the dispute out of pocket. If you have a lend or lease on your fomite, or if you plainly want coverage for damage to your fomite, you will need wide coverage, which includes comprehensive examination and collision. These options provide coverage for damage to your fomite from a variety of scenarios .

How to get cheap car insurance in Washington

Besides choosing a bum car indemnity caller, there are several other ways that drivers in Washington can get more low-cost coverage :

  • Get multiple quotes: When researching providers, get quotes from a few companies and compare them. That way, you can see which provider can offer the lowest rate for the type and amount of coverage you need.
  • Look for discounts: Seek out insurance companies that offer multiple discounts you can take advantage of. Sometimes you can save money simply by signing up for automatic payments or enrolling in paperless billing statements.
  • Choose coverage strategically: It can be tempting to purchase add-on coverages, like accident forgiveness and OEM coverage, but those options do cost extra. If you are going to buy endorsements, choose the coverages that are most important to you.
  • Pay in full: If you can afford to pay your premium in full, you may save some money on your policy.

If you are diffident what coverages, discounts or policy features that might be best for you, talking with a accredited agent may be helpful .

Frequently asked questions

What is the best car insurance in Washington?

The best car policy party in Washington varies. The best supplier is likely different for every driver. This is because every driver has a different fix of needs and wants. Drivers looking for the lowest price may choose a unlike ship’s company than drivers who are looking for a specific coverage. When you are shopping for insurance, getting quotes from numerous companies might help you find the company that best suits your needs .

What is the average cost of car insurance in the U.S.?

The modal U.S. driver pays $ 1,674 per year for a full coverage car indemnity policy and $ 565 for minimal coverage. In Washington, the modal driver pays $ 1,176 per class for full coverage and $ 463 for minimal coverage .

How do insurance companies calculate policy rates?

car policy rates are personalized. indemnity companies look at factors like your age, ZIP code, claims history and the character of car you drive when calculating your rate. Because of that, you could pay more or less than the statewide average rate based on your denounce factors. Car policy companies in Washington are not allowed to use your citation sexual conquest as a divisor when calculating your bounty.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the stick to full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each express ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample distribution rates and should only be used for relative purposes .

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