The Cheapest Car Insurance in Washington for 2022 |

Although Progressive is the cheapest company overall, factors such as coverage amount, driving history, credit score and old age could either increase or lower your premiums. Drivers with bad credit or a speed ticket, for example, can often get better rates from GEICO. If you have been in an at-fault accident, you may want to look at what PEMCO offers. USAA is normally the cheapest choice if you come from a military family .iconribbon cheap car policy

Washington 2022

The Cheapest Car Insurance in Washington

Cheapest Minimum Liability Car Insurance in Washington

liability car insurance is the most economic car policy choice available, but it entirely covers the other driver ‘s costs if you ‘re at fault in an accident. Covering your own expenses requires comprehensive and collision coverage. The cheapest car indemnity companies in Washington for minimum coverage are :

  • Progressive: $442 per year
  • GEICO: $451 per year

USAA offers an even lower average annual rate of $ 324 but its policies are only available to military families. The most expensive car indemnity for minimal coverage is MetLife, at an average annual cost of $ 1,562 .

Cheapest Minimum Car Insurance in Washington
  • company annually monthly
  • 1 .USAA $ 324 $ 27
  • 2 .Progressive $ 442 $ 37
  • 3 .GEICO $ 451 $ 38
  • 4. PEMCO $ 460 $ 38
  • 5 .State Farm $ 501 $ 42
  • 6. Allied $ 701 $ 58
  • 7 .Travelers $ 704 $ 59
  • 8 .Allstate $ 709 $ 59
  • 9 .American Family $ 780 $ 65
  • 10 .Farmers $ 967 $ 81
  • 11 .MetLife $ 1,562 $ 130

These prices are lone estimates based on rates for an average Washington driver and should not be used to compare indemnity prices. Loading …moneygeek-logo Loading …

Cheapest Full Coverage Car Insurance in Washington

A full coverage policy is more expensive than a indebtedness policy, but it covers the costs of damages to your own car — not just the other driver ’ second. To protect you against most road accidents, a full coverage policy in Washington offers higher indebtedness limits, adenine well as comprehensive and collision indemnity. To reduce your costs, be surely to compare car indemnity quotes from several providers. The most low-cost car indemnity carriers in Washington for a full coverage policy are :

  • PEMCO: $800 per year
  • GEICO: $821 per year

If you ‘re a member of a military family, you can get USAA coverage for fair $ 638 annually on median. MetLife is the costliest supplier of full moon coverage, with median rates of $ 2,540 per year .

Cheapest Full Coverage Car Insurance in Washington
  • company annually monthly
  • 1 .USAA $ 638 $ 53
  • 2. PEMCO $ 800 $ 67
  • 3 .GEICO $ 821 $ 68
  • 4 .Progressive $ 920 $ 77
  • 5 .State Farm $ 956 $ 80
  • 6 .Allstate $ 1,143 $ 95
  • 7. Allied $ 1,172 $ 98
  • 8 .Travelers $ 1,211 $ 101
  • 9 .American Family $ 1,371 $ 114
  • 10 .Farmers $ 1,704 $ 142
  • 11 .MetLife $ 2,540 $ 212

Remember — your premiums will vary from these examples. The costs included above are for a policy with comprehensive and collision indemnity and $ 100,000 in bodily wound liability coverage per person, $ 300,000 in bodily injury indebtedness coverage per accident and $ 100,000 in place price coverage per accident.

How to Compare Cheap Washington Car Insurance Quotes Online

Most insurers provide relatively accurate quotes on their websites. When you use these tools to receive quotes from multiple providers, be certain to use consistent limits. For exercise, if you get a quote from one company for $ 100,000 in bodily wound liability policy, you should use the same limit when comparing quotes with another supplier. You can besides use MoneyGeek ’ second price information to find quality company websites to shop on. Get a quote estimate without entering personal information with MoneyGeek ’ mho car policy calculator. All you need to get started is your slide fastener code. You may need to enter more details if you want a individualized quote. USAA, Progressive and GEICO offer the cheapest liability coverage in Washington, so we recommend you start your search with one of these providers .

Auto Insurance Calculator

state Washington long time 40 drive record clean credit score excellent Vehicle Type covenant Vehicle class 2020 Liability Coverage state Min Comprehensive and Collision Insurance none sex female Click the section of the wheel in your price compass to see options. low end on average high end Click your prefer price range to see company options. Click an insurance company below to visit their review page or continue to your personalize quotation. company average annual Rates 1 .USAA $ 338 2 .GEICO $ 450 3. PEMCO $ 500 4 .State Farm $ 522 5 .Progressive $ 541

Cheapest Car Insurance for Drivers With a DUI in Washington

A dangerous driving misdemeanor, like driving under the influence ( DUI ), can well hike your car insurance premiums. In Washington, a driver with a DUI is charged an average annual rate of $ 2,172 for their car insurance coverage, compared to $ 1,264 for the average driver with a scavenge record. The cheapest car policy companies in Washington for a driver with a DUI and full coverage are :

  • State Farm: $1,043 per year
  • Progressive: $1,187 per year

Although PEMCO is the second cheap full moon coverage insurance company for Washington drivers with a clean commemorate, State Farm offers lower rates for those with a DUI .

Average Car Insurance Rates With a DUI
  • party per annum monthly
  • 1 .State Farm $ 1,043 $ 87
  • 2 .Progressive $ 1,187 $ 99
  • 3. PEMCO $ 1,314 $ 110
  • 4 .USAA $ 1,331 $ 111
  • 5 .Allstate $ 1,514 $ 126
  • 6 .Travelers $ 1,908 $ 159
  • 7 .GEICO $ 1,958 $ 163
  • 8. Allied $ 1,998 $ 167
  • 9 .Farmers $ 2,625 $ 219
  • 10 .American Family $ 2,648 $ 221
  • 11 .MetLife $ 5,529 $ 461

Whether driving under the charm ( DUI ) results in an accident or not, doing so will have huge implications on your life — including your car policy rates. While repercussions may vary based on the phone number of anterior offenses, a driver cited with a DUI in the state of Washington can face anywhere from 24 hours to one full year of jail time, receive up to $ 5,000 in fines and can have their license revoked for up to a year. between 2009 and 2018, the Centers for Disease Control and Prevention reported that a full of 1,602 people were killed in crashes involving a drunk driver in Washington. 1.5 % of Washington drivers report driving after having excessively a lot to drink in the previous 30 days. not only do policy companies raise rates for DUI offenders in hopes to curb drunk drive, but they besides do sol because a DUI on your record signals that you are a bad driver. aside from the hundreds or thousands of dollars you will owe in fines and legal fees after a DUI, your insurance rates will double — probably overnight. In fact, the calculate increase in car indemnity premiums over a 13-year time period totals $ 40,000. however, finding brassy car indemnity with a DUI in Washington is not impossible. Request multiple absolve quotes from more than one of the top indemnity companies to help you find your best options.

Cheapest Car Insurance in Washington for Drivers With an At-Fault Accident

A bad drive record like an at-fault accident mechanically increases your gamble to insurers, and consequently your monthly premiums as well. Drivers in Washington with at-fault accidents pay an average of $ 2,069 per class. car insurance companies in Washington with the cheapest rates for drivers with an at-fault accident are, on average :

  • PEMCO: $1,081 per year
  • State Farm: $1,130 per year

If you ’ re from a military family, USAA offers an flush cheaper rate at $ 902 per year on average .

Cheapest Car Insurance With an At-Fault Accident
  • company per annum monthly
  • 1 .USAA $ 902 $ 75
  • 2. PEMCO $ 1,081 $ 90
  • 3 .State Farm $ 1,130 $ 94
  • 4 .GEICO $ 1,186 $ 99
  • 5 .Allstate $ 1,562 $ 130
  • 6. Allied $ 1,666 $ 139
  • 7 .Travelers $ 1,716 $ 143
  • 8 .American Family $ 2,042 $ 170
  • 9 .Progressive $ 2,268 $ 189
  • 10 .Farmers $ 2,352 $ 196
  • 11.

    MetLife $ 6,855 $ 571

Cheapest Car Insurance for Drivers With Tickets in Washington

While driving, you should take care to avoid evening minor violations, like distracted drive, as even one ticket can increase your car insurance prices. A Washington driver with a speeding ticket on their record pays an median annual sum of $ 1,522 for their car insurance, compared to $ 1,264 for the average driver with a blemishless record. The most low-cost car indemnity carriers in Washington for a driver with a speed ticket and entire coverage are :

  • GEICO: $821 per year
  • PEMCO: $987 per year

USAA offers indemnity to military drivers with tickets for an average annual rate of $ 746 .

Average Car Insurance Rates With a Ticket
  • caller per annum monthly
  • 1 .USAA $ 746 $ 62
  • 2 .GEICO $ 821 $ 68
  • 3. PEMCO $ 987 $ 82
  • 4 .State Farm $ 1,043 $ 87
  • 5 .Allstate $ 1,257 $ 105
  • 6 .Progressive $ 1,306 $ 109
  • 7. Allied $ 1,347 $ 112
  • 8 .Travelers $ 1,641 $ 137
  • 9 .American Family $ 1,962 $ 164
  • 10 .Farmers $ 2,238 $ 187
  • 11 .MetLife $ 2,621 $ 218

If you are cited with a rush or distracted driving ticket, some indemnity companies will offer a reduce premium if you take a defensive drive course. Be surely to speak with your insurance company — or compare car indemnity quotes from multiple sources — to discuss the best option for you.

Cheapest Car Insurance Companies in Washington for Drivers With Bad Credit

A goodly credit score can reduce your cable car policy premiums. On the flip side, drivers with lower credit scores are charged higher premiums. A driver with bad citation pays $ 2,036 per year for car insurance in Washington, compared to $ 1,264 for the average driver with a full credit score. The least expensive car insurers in Washington for a driver with poor people credit and full coverage are :

  • GEICO: $1,336 per year
  • Allied: $1,469 per year

If you or a family extremity are in the military, you can purchase USAA coverage with bad credit for $ 952 annually on average. PEMCO offers cheaper broad coverage for drivers with healthy recognition, while GEICO ’ sulfur rates are lower for those with hapless credit scores .

Average Car Insurance Rates for Drivers With Bad Credit
  • company per annum monthly
  • 1 .USAA $ 952 $ 79
  • 2 .GEICO $ 1,336 $ 111
  • 3. Allied $ 1,469 $ 122
  • 4 .Progressive $ 1,491 $ 124
  • 5. PEMCO $ 1,706 $ 142
  • 6 .American Family $ 1,822 $ 152
  • 7 .Allstate $ 1,836 $ 153
  • 8 .State Farm $ 1,888 $ 157
  • 9 .Travelers $ 1,941 $ 162
  • 10 .Farmers $ 2,596 $ 216
  • 11 .MetLife $ 4,283 $ 357

If you have a low credit score, ask prospective indemnity companies if they use credit rating information, how they look at this information and how it will impact your rates. Understand how to improve your credit score so you can get the best policy rates.

Cheapest Car Insurance in Washington for Seniors

car indemnity for seniors in Washington tends to be slenderly more expensive than it is for middle-aged and young pornographic drivers. The average cost of car indemnity for elder drivers in Washington is $ 1,318 per year, compared to $ 1,264 for the average 40-year-old driver. The cheapest cable car insurance providers in Washington for elder drivers with full coverage are :

  • GEICO: $765 per year
  • PEMCO: $890 per year

If you or a syndicate penis are in the military or a veteran, USAA can provide even cheaper coverage for seniors, averaging $ 752 annually. PEMCO ’ s fully coverage prices are lower for the median 40-year-old driver, while GEICO offers cheaper premiums for elder drivers .

Average Car Insurance Rates for Seniors
  • company per annum monthly
  • 1 .USAA $ 752 $ 63
  • 2 .GEICO $ 765 $ 64
  • 3. PEMCO $ 890 $ 74
  • 4 .State Farm $ 947 $ 79
  • 5 .Progressive $ 1,051 $ 88
  • 6. Allied $ 1,174 $ 98
  • 7 .Allstate $ 1,245 $ 104
  • 8 .Travelers $ 1,326 $ 111
  • 9 .American Family $ 1,467 $ 122
  • 10 .Farmers $ 1,911 $ 159
  • 11 .MetLife $ 2,401 $ 200

aged drivers face a alone typeset of benefits and challenges behind the rack. Most senesce drivers have more experience behind the wheel, but they besides face a count of physical changes due to age, including vision stultification and shorter attention spans, which can be dangerous. According to the National Highway Traffic Safety Administration, 13.6 % of fatal Washington crashes in 2017 involved a senior driver. Rates can vary for ripe drivers based on a issue of factors, including senesce, gender and previous driving history. If you ’ rhenium searching for cheap car insurance for seniors in Washington, speak with Washington car policy companies about senior driver discounts to help lower your rates.

Cheapest Car Insurance in Washington for Young Drivers

Since younger drivers are inexperienced on the road, their car indemnity premiums are significantly higher due to their hazard. Compared to a 25-year-old with an median annual premium of $ 1,170, a 16-year-old will need to pay more than double at $ 2,815 per class for a exchangeable policy. In Washington, GEICO normally offers the brassy car indemnity policies for young drivers. On average, it has the cheapest rates for every age from 16–25 .

Annual Car Insurance In Washington for Young Drivers

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adolescent drivers are, unfortunately, often more expensive to insure due to their lack of experience behind the bicycle, which puts them at a higher hazard of being in an accident ( according to the CDC, more than 2,400 teens lost their lives in car crashes in 2016 ). To keep premiums down, don ’ t be afraid to ask your insurance provider for a good student discount if your child maintains a B median in school and discuss the importance of a clean force record with your child. When your adolescent goes off to college, you have more options for saving money on insurance premiums. If your child attends a college at least 100 miles from home and does n’t take a car, you may be eligible for a discount from your insurance company. There are a few different factors that impact the rates for young drivers specifically, such as their repel history, how far from home they are driving/attending school and how often they drive their vehicle. Speak with your provider about the different options available for bum car indemnity for teenagers in Washington.

Insurance Rate Information for Military Drivers and Veterans

Some insurance companies offer limited discounts to active members of the military. For model, GEICO offers up to 15 % off for active or retire members of the military. If you are temporarily stationed in Washington, you can either keep your adjustment from your home plate express or register your vehicle in Washington. Disabled veterans who received an estimable discharge may be eligible for a disable veteran license plate. The state besides offers a wide stove of military license plates, which are available to active service members, veterans and their families .

Average Rates for Washington service members

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Car Insurance in Washington: What You Need to Know

All motor vehicle owners registered in Washington must have insurance or show other evidence of fiscal province. Motorcycles — which make up 3 % of record vehicles in Washington — are nontaxable from the insurance mandate, even though they accounted for 15 % of traffic fatalities between 2013 and 2017. There are a few alternatives to purchasing indemnity, but they are costly and awkward. here are the options :

  • Certificate of deposit for at least $60,000, set up with the Department of Licensing
  • Liability bond for at least $60,000, filed by a surety bond company authorized to do business in Washington
  • Self-insurance (if you own more than 25 vehicles)

If you are unable to buy car policy in the private marketplace due to your drive read, you may be able to access coverage through the state ‘s Automobile Insurance Plan for bad drivers. To qualify, you must be a Washington resident ( or member of the U.S. military ), hold a valid Washington state driver ‘s license and have no great debt from previous car policy .

Proof of Insurance in Washington

You must carry your Washington motor vehicle indemnity identification card ( or a interpretation of it on your earphone ) in your fomite at all times. If you do n’t have proofread when pulled over by the police, they may ticket and fine you. If you are late able to provide proof that you had indemnity coverage at the time of the citation, you can present that proofread in woo or by mail and the citation will be dismissed, but you may still need to pay $ 25 in administrative fees .

Minimum Liability Insurance Requirements in Washington

Washington requires that all drivers have at least the follow levels of coverage in the consequence of a doss :

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death per accident
  • $10,000 for property damage per accident

High-Risk Auto Insurance Program in Washington

Drivers who may have fuss finding standard indemnity due to problems with their drive record can choose from several bad insurers, including State Farm, Allstate, Bristol West and Progressive .

Alternatives to Insurance in Washington

many states provide alternatives to car insurance to ensure that you can compensate others in the consequence of an accident. In the state of Washington, drivers can pay a $ 60,000 bond or down payment to the state, which allows them to hold you financially responsible should you ever be at fault in an accident .

How Much Coverage Do You Need in Washington?

indemnity experts and consumer advocates generally recommend carrying more than the minimal amount of indemnity by police. The types and amounts of indemnity you choose to carry depends on your personal site, assets and priorities. For example, since Washington has a high pace of uninsured motorists, you may choose to purchase uninsured motorist policy. If you have a modern car, you may besides want collision and comprehensive examination policy — if you have a car loanword, your lender will about surely require it. It ‘s best to talk with your indemnity agent about your indemnity needs.

Cheapest Car Insurance in Washington by City

Within Washington, rates can greatly differ between cities. Based on full coverage car indemnity, drivers in Spokane pay an average of $ 1,050 per class, the cheapest among the cities in the state. On the other hand, drivers in Tacoma see the most expensive cable car indemnity rates at $ 1,358 on average per year. Check the average car indemnity monetary value in your area by clicking on your city .

Average Insurance Rate by City in Washington

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  • City per annum monthly
  • 1 .Kent $ 1,302 $ 109
  • 2 .Seattle $ 1,312 $ 109
  • 3 .Spokane $ 1,050 $ 88
  • 4 .Tacoma $ 1,358 $ 113
  • 5 .Vancouver $ 1,142 $ 95

FAQs About Car Insurance in Washington

To help consumers make an educated buying decisiveness, MoneyGeek answered the most common questions about car policy policies and prices in Washington .

USAA and Progressive are the cheapest indebtedness coverage insurers in Washington. however, USAA lone serves veterans, current military personnel and their families. progressive ’ s annual costs are $ 442, on modal .

The average monthly price of car indemnity in Washington is $ 105 .

In Washington, car insurance is particularly costly because places like Tacoma, Bellevue and Seattle absolute among the clear 10 cities nationally for vehicle larceny .

To reduce your rates, be certain to compare quotes from multiple providers and determine the veracious coverage charge for your needs.

Expert Advice on Finding Cheap Car Insurance in Washington

To help you find trustworthy and accurate penetration on car policy in Washington, MoneyGeek received expert advice from established professionals. The perspectives and opinions shared are those of the individual subscriber .

  1. What are the key factors drivers in Washington should look for when searching for the best car policy coverage ?
  2. What steps can drivers in Washington take to find low-cost cable car policy ?
  3. How do regulations and rules in Washington impact policy pricing and how consumers might shop for coverage ?

Randy BeaversRandy Beavers Randy Beavers Assistant Professor of Finance at Seattle Pacific University Loading … About the authorexpert-profileexpert-profile Nicole Duxbury is a writer for MoneyGeek and a selling and communications professional based in Reno, Nevada. She has more than six years of professional market and communications experience working with clients in finance, indemnity, non-profit, external education, travel, food and beverage, consumer packaged goods, higher education and politics.

Nicole earned her bachelor of arts degree in psychology from the University of Oregon. She uses her cognition of human psychology to create content that captures consumers ‘ care. Her expertness and mania lie in sociable media management and content curation for blogs and websites in these industries .

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