Pemco : $ 431 per year |
progressive : $ 445 per year |
state farm : $ 495 per year |
Chubb : $ 520 per year |
Geico : $ 546 per class |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Washington
City | Premium | Percent Increase |
Richland | $890 | 0.0% |
Bellingham | $895 | 0.5% |
Pasco | $915 | 2.8% |
Kennewick | $920 | 3.3% |
Longview | $922 | 3.5% |
Yakima | $957 | 7.5% |
Bremerton | $975 | 9.5% |
Port Orchard | $990 | 11.2% |
Spokane | $1,022 | 14.8% |
Olympia | $1,025 | 15.2% |
Gig Harbor | $1,079 | 21.2% |
Snohomish | $1,125 | 26.3% |
Vancouver | $1,154 | 29.6% |
Marysville | $1,165 | 30.8% |
Redmond | $1,187 | 33.3% |
Issaquah | $1,194 | 34.2% |
Bellevue | $1,198 | 34.6% |
Kirkland | $1,204 | 35.2% |
Bothell | $1,213 | 36.3% |
Everett | $1,218 | 36.8% |
Edmonds | $1,262 | 41.8% |
Puyallup | $1,266 | 42.2% |
Lynnwood | $1,266 | 42.2% |
Renton | $1,289 | 44.8% |
Auburn | $1,292 | 45.1% |
Kent | $1,304 | 46.4% |
Seattle | $1,313 | 47.5% |
Federal Way | $1,353 | 52.0% |
Lakewood | $1,358 | 52.5% |
Tacoma | $1,358 | 52.5% |
Factors That Affect Car Insurance Premiums in Washington
Although ripen drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car policy rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Washington
- Pemco: $57 per month
- USAA: $61 per month
- State Farm: $66 per month
- Geico: $69 per month
- Chubb: $71 per month
- Progressive: $73 per month
- Travelers: $78 per month
- American Family: $81 per month
- Nationwide: $85 per month
- Grange: $88 per month
7 Tips for How to Get Cheap Car Insurance in Washington
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Washington, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Washington
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in Washington have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Washington. On average, drivers in the
7. Try usage-based insurance
Washington state drivers average fewer annual miles than drivers in other parts of the country, which means there are a lot of residents who could potentially save more by trying
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
Category | All Profile Characteristics | Good Driver Profile |
Gender | Male, Female | Male |
Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
Marital Status | Single, Married | Single |
Teenage Driver Included on Policy | No, Yes | No |
Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
Coverage Level | Minimum, Standard, Full | Minimum |
Discounts | None, Multi-Policy, Homeowner, Student | None |
Credit Level | Poor, Good | Good |
Filings | None, SR22, FR44 | None |
Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage liability, as required by Washington’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Washington insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car insurance companies in Washington is based on data from the Washington DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car policy companies for Washington drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Washington car indemnity companies by averaging premiums from 36 energy codes that represent at least 20 % of Washington ‘s population. Military-specific companies like USAA were merely considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in addition to the particular subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Washington policy quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is example lone. individual rates will be different. Don ’ thymine forget to include local insurance companies in your search for bum car indemnity. In Washington, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in Washington, companies can besides consider your old age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your policy sink, tied if you don ’ thyroxine own a car. Washington drivers who don ’ thyroxine maintain continuous coverage pay an average of 11 % more than those with five or more years of indemnity history.You need indebtedness indemnity to pay for the early driver ’ s damages if you ’ re at mistake in an accident in Washington. Collision and comprehensive examination coverage, on the other pass, are optional and may be unnecessary if you own an older car, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thymine scrimp on the coverage you need, but do make informed choices. That way, you won ’ t end up paying for more car policy than you need.Top car policy companies in Washington have a variety of discounts, so about anyone can find ways to save. You may be able to get a dismiss if you ’ re a scholar, veteran, full driver, homeowner, uncoerced to go paperless, and more.Car policy prices can vary a set based on nothing code in Washington. On average, drivers in the most expensive parts of Washington spend over $ 1,700 more per year on car policy than those living in the least expensive areas.Washington department of state drivers average fewer annual miles than drivers in other parts of the state, which means there are a distribute of residents who could potentially save more by trying usage-based car insurance. If you ’ rhenium will to let your insurance company monitor your driving through a smartphone app or electronic device attached to your car, there ’ s a good casual it could lower your premiums, particularly for low-mileage drivers .