You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our column contentedness is not influenced by advertisers. Our editorial team receives no steer compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your reliance. Our mission is to provide readers with accurate and indifferent data, and we have editorial standards in topographic point to ensure that happens. Our editors and reporters thoroughly fact-check editorial contentedness to ensure the information you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive aim recompense from our advertisers. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate contentedness to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — then you can feel confident about which supplier is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ ra putting your interests inaugural. All of our contentedness is authored by highly qualified professionals and reviewed by national matter experts, who ensure everything we publish is objective, accurate and worthy of your faith. Founded in 1976, Bankrate has a hanker track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take adjacent. While we adhere to strict editorial integrity, this military post may contain references to products from our partners. here ‘s an explanation for how we make money. This message is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. There are more than 5 million license drivers in Washington state of matter. Any nonmigratory with a vehicle registered in the express is legally required to carry a minimum sum of cable car policy. Of the over 5.7 million license drivers in Washington state, over 21 % are estimated to be uninsured. Washington has the fifth-highest share of estimated uninsured drivers in the nation. Despite this, drivers in the Evergreen State placid pay less than the national average for car indemnity. The average cost of car insurance in Washington is $463 per year for minimum coverage and $1,176 per year for full coverage. Bankrate has analyzed the average annual premiums, obtained from Quadrant Information Services, for the biggest cable car policy companies by market partake in Washington state of matter. If you are shopping for cheap car policy in Washington, this data might help you find low-cost coverage .
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 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 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 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 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 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.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
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 .