The Best Washington Car Insurance Companies 2022 | Bankrate
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 animation ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our goal is to give you the best advice to help you make fresh personal finance decisions. We follow nonindulgent guidelines to ensure that our column content is not influenced by advertisers. Our editorial team receives no directly compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a recapitulation, you can trust that you ’ re getting credible and dependable data. We value your trust. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in target to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive address compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content 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 ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — therefore you can feel confident about which provider is right for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ re putting your interests first. All of our message is authored by highly qualified professionals and reviewed by subject count experts, who ensure everything we publish is aim, accurate and desirable of your faith. Founded in 1976, Bankrate has a long 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 confidence in which actions to take next. 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 contentedness is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Based on Bankrate ’ s extensive research, we determined State Farm and Geico are among the best car indemnity companies in Washington, followed by Progressive, PEMCO and Allstate. The average annual full coverage premium in Washington is $ 1,176 per class, according to Bankrate ’ s 2021 analysis of quoted annual premiums. This price is lower than the national average, but monetary value international relations and security network ’ t the alone consideration that Washington residents should think about when shop for cable car policy coverage. Finding an insurance company that fits your needs, including your budget, is critical to getting coverage that works for you. If you live in Washington State, you might besides want to consider the state ’ randomness geographic features that could contribute to driving difficulties, like frequent rain and dense fog. A mailman ’ sulfur coverage options, discounts and third-party ratings are besides significant features when searching for the best car policy party for your needs .
Best car insurance companies in Washington
According to our research, State Farm, Geico, Progressive, PEMCO and Allstate are among the best car insurance companies in Washington. To determine which companies to feature, we analyzed key aspects of the largest insurers by grocery store share in the submit, including coverage offerings, discounts, average rates, J.D. Power customer satisfaction scores and fiscal force scores from AM Best and Standard & Poor ’ s ( S & P ). We combined these metrics into a proprietary Bankrate Score on a scale of 0.0 to 5.0. Companies with higher Bankrate Scores received higher ratings in each individual class. If you ’ ra looking for the best Washington car policy companies, you might want to start with these carriers : *Northwest region
state farm received the highest official customer atonement score in the 2021 J.D. Power Auto Insurance Study in the Northwest region. The party may be a great option for drivers who prefer face-to-face interaction when discussing their policies, as State Farm has local agents throughout the state. however, State Farm doesn ’ triiodothyronine offer quite as many endorsement options as some of its competitors. If you ’ rhenium looking for a highly specialize policy, State Farm might not be the best fit. Learn more: State Farm Insurance review
Geico is known for low-cost coverage, and in Washington, that repute stands. With wide coverage policies averaging $ 912 per year, Geico is the cheapest car indemnity caller on our list. The company offers batch of discounts to help you save even more, including savings for federal employees, full students and safe drivers. Geico ’ s J.D. Power customer satisfaction score is lower than median for this area, which may indicate that policyholders aren ’ thymine generally satisfied with the company ’ second service. Learn more: Geico Insurance review
In addition to its abject average rate, Progressive offers coverage options that could help you personalize your policy. For exercise, you could opt to add opening indemnity and coverage for custom parts and equipment. however, Progressive received a lower-than-average customer gratification score from J.D. ability for this region. The carrier besides received a lower-than-average overall claims atonement score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study, scoring a full moon 18 points below the industry average. Learn more: Progressive Insurance reappraisal
For drivers looking for local coverage, PEMCO might be a full fit. The company merely writes coverage in the Pacific Northwest and its agents may be very conversant with the needs of drivers in this region. In addition to its lower-than-average agio, PEMCO offers a list of discounts that rivals Geico. You might save for owning a home, being a University of Washington alumnus or being an educator. however, PEMCO does have the lowest AM Best fiscal force score on our list at a B++ ( Good ). This could indicate that the company has historically been less financially stable than the early carriers .
Allstate ’ sulfur average premium is the highest on our list and is higher than Washington ’ second state average, but you might even be motivated to get a quotation. Its higher premiums may be partially due to the caller ’ s endorsement options, which can help you personalize your coverage. You could opt to add custom equipment coverage, rideshare indemnity or wayside coverage. additionally, Allstate offers quite a few discounts to help you save on your customs coverage, including savings for newfangled cars, responsible payers and smart students. Learn more: Allstate Insurance review
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Average car insurance cost in Washington
The average Washington car insurance policy costs $ 463 per year for minimal coverage and $ 1,176 per year for full coverage, according to 2021 rate data obtained from Quadrant Information Services. Compared to the national annual averages of $ 565 and $ 1,674 for minimal and fully coverage, respectively, Washington drivers pay less. And when compared to surrounding states, Washington drivers do reasonably well. Oregon drivers pay $ 1,346 per year for full coverage, on average, while California drivers pay an average of $ 2,065 annually .
|Average annual premium for minimum coverage in Washington||Average annual premium for full coverage in Washington|
How to find the best car insurance in Washington
Finding the best car policy for your site can take a sting of research, but you can make the action easier by knowing how to evaluate your needs. Bankrate ’ s analysis may help you feel empowered to find the right ship’s company and coverage for your needs .
Consider minimum insurance requirements in Washington
Like most states, Washington ’ south car policy laws require drivers to carry at least minimum levels of certain coverage types. If you live in the Evergreen State, you must purchase at least the minimum command levels of bodily injury liability coverage and property price liability coverage to drive legally. insurance companies must besides offer you underinsured motorist coverage and personal injury protection ( PIP ), although these can be declined in publish. minimum coverage is often the cheapest option to purchase, but it could leave you with high out-of-pocket costs if you cause an accident and the damages exceed your policy limits. Most policy agents recommend that you purchase higher liability limits if you can afford to. additionally, minimum coverage doesn ’ thymine give you any coverage for damage to your own vehicle. For that, you ’ five hundred need to purchase comprehensive coverage and collision coverage. This is normally called “ wax coverage. ”
Consider lender requirements
If you finance your fomite with a lend or rent, you ’ ll likely have to purchase entire coverage as a prerequisite of your loanword. This type of policy adds comprehensive coverage and collision coverage which provide you with fiscal protection against damage to your vehicle. You might besides want to consider gap indemnity, which is designed to pay for the remainder between the cash value of your fomite and the finance total if your vehicle is totaled or stolen. finally, if you lease your car, you should know that lessors frequently require certain minimum liability limits that are in excess of the country minimum .
Consider your individual needs
Drivers can besides evaluate their car indemnity needs based on their individual circumstances. Understanding what you need from your policy can help you choose a company and coverage options. For model, if you have a adolescent driver to insure, you might want to look for a company that offers several young driver discounts that could help lower your policy costs. If you ’ re a bad driver who has accidents, tickets or a DUI conviction on your record, you might need to research non-standard car indemnity options. Getting a sense of what your particular situation calls for can help you narrow down your options when shopping for coverage .
Car insurance discounts in Washington
Most major cable car indemnity companies offer discounts to help drivers lower their insurance premiums. Taking the time to find save opportunities that you qualify for could save you money on your premium. Some common discounts in Washington admit :
- Young driver discounts: Car insurance for young drivers can be expensive, so finding the cheapest option is important for many families. Teens who go to school full time and earn good grades might qualify for good student discounts. If your child is away at school without a vehicle, you might also qualify for a distant student discount.
- Safe driver discounts: If you don’t have any accidents or tickets on your record in the last three to five years, you might be eligible for a safe driver or claims-free discount. If you’re a safe driver, you could also consider participating in a telematics program. These programs track your driving via a mobile app or plug-in device and you could earn a discount based on your driving habits.
- Other discounts: Bundling your home insurance and auto insurance with the same company often results in a discount on both policies. If you can afford to pay your premium in full, you might earn a paid-in-full discount. Finally, if you are a federal employee, military member or member of another qualifying profession, some companies will offer you savigns.
Each car policy company offers a unique set of discounts. Talking with an agent or researching discounts on-line is normally an effective means to determine what savings you qualify for .
Frequently asked questions
What are the best car insurance companies in Washington?
Each Washington driver will need to determine the best company for them based on their unique situation. Depending on your needs and wants, you might be looking for a supplier that offers certain optional coverage types, a digital app or highly-rated customer service, for example. Making a tilt of your needs can help you find the carriers that best fit your circumstances .
What is the cheapest car insurance company in Washington?
barely like the best cable car policy, the cheapest cable car policy in Washington will be different for every driver. Bankrate found that USAA, PEMCO and Geico offer the lowest average rates, but your rates will vary based on your personal rate factors. To find the lowest premium for your coverage, many policy professionals recommend getting quotes from respective unlike carriers thus that you can compare the prices .
What are the factors that influence car insurance premiums?
respective factors influence your bounty, including your long time, the type of car you drive, your accident history and the coverage types and limits you choose. Car policy companies in Washington were briefly banned from using your credit score to calculate your agio, but the govern was recently overturned. insurance companies may once again use credit as a rate factor. A modern hearing to potentially ban the manipulation of citation as a rating factor on a permanent basis is set for November 23, 2021. If the police passes, it will go into effect on January 1, 2022 .
Is there a way to avoid having to buy car insurance in Washington?
Most drivers in Washington likely opt to buy cable car insurance to satisfy the state ’ south “ fiscal province law, ” but you could besides self-insure, provide a certificate of deposit or a liability adhesiveness. You can only self-insure if you own 26 or more vehicles, so it ’ s not likely to be an option for most drivers. Certificates of sediment and liability bonds must be at least $ 60,000 and besides have other requirements. For most drivers, purchasing an car policy policy is the easiest, fastest and most cost-efficient way to satisfy the law .
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 driving record, good credit and the follow wide 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 coverage that meets each department of state ’ second requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample distribution rates and should only be used for comparative purposes.
Bankrate Scores chiefly reflect a leaden membership of industry-standard ratings for fiscal persuasiveness and customer have in accession to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car indemnity companies satisfy these priorities, third-party means ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impact on the companies ’ Bankrate Scores. As price is a common circumstance for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer experience are frequently the lead priorities, Bankrate besides analyzed each insurance company ’ s on-line and mobile resources for policy management and claims handling. indemnity is quickly evolving to keep yard with our digital world, so these aspects besides carried slant in determining Bankrate Scores .
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