Affordable Auto Insurance In Washington: Cheapest Companies

Finding cheap car insurance in Washington can be challenging, but it's not impossible. The best way to find cheap car insurance is to compare rates from multiple insurance companies. The average cost of car insurance in Washington is $54 per month, or $651 per year, for a minimum coverage policy. For a full coverage policy, the average cost is $128 per month, or $1,534 per year. The cheapest car insurance company in Washington is State Farm, with an average cost of $87 per month for full coverage. For minimum coverage, the cheapest company is Capital Insurance, with an average cost of $37 per month.

Cheapest car insurance for young drivers

Car insurance rates for young drivers in Washington are determined by a range of factors, including age, gender, driving history, and credit score.

Cheapest car insurance for teens and their families

For teens and their families, Kemper offers the most cost-effective options, with average annual premiums of $1,793 for male teens and $1,726 for female teens. Capital Insurance Group is another affordable option, with rates of $2,002 for male teens and $1,929 for female teens.

Cheapest car insurance for young adults

PEMCO offers the cheapest car insurance for young adults in Washington, with an average annual premium of $765. American Family is another affordable option, with an average premium of $1,059.

Cheapest car insurance for seniors

PEMCO also offers the cheapest car insurance for seniors in Washington, with an average annual premium of $642. Auto-Owners is another affordable option, with an average premium of $737.

Cheapest car insurance for drivers with a speeding ticket

PEMCO offers the cheapest car insurance for drivers with a speeding ticket, with an average annual premium of $750. Kemper is another affordable option, with an average premium of $1,044.

Cheapest car insurance for drivers with an at-fault accident

PEMCO offers the cheapest car insurance for drivers with an at-fault accident, with an average annual premium of $815. Kemper is another affordable option, with an average premium of $1,075.

Cheapest car insurance for drivers with a DUI

PEMCO offers the cheapest car insurance for drivers with a DUI, with an average annual premium of $970. State Farm is another affordable option, with an average premium of $1,051.

Cheapest car insurance for drivers with poor credit

PEMCO offers the cheapest car insurance for drivers with poor credit, with an average annual premium of $604. Auto-Owners is another affordable option, with an average premium of $823.

Cheapest car insurance for drivers with a DUI

A DUI conviction will result in a driver being labelled as a high-risk motorist, which will cause insurance rates to increase. In Washington state, full-coverage car insurance rates can reach $3,152 per year for drivers who have been convicted of a DUI.

According to a 2024 analysis by NerdWallet, the cheapest full-coverage car insurance in Washington is offered by CIG, with an average rate of $874 per year. PEMCO Mutual is another cheap option, with rates of $896 per year. State Farm is also a good option for drivers with a DUI, with rates of $1,321 per year.

For drivers seeking minimum-coverage car insurance, PEMCO Mutual offers the cheapest rates at $123 per year. Grange Insurance Association is another good option, with rates of $216 per year.

Cheapest car insurance for drivers with an accident on their record

The cost of car insurance in Washington State varies depending on factors such as age, gender, driving record, and location. Here is some information about the cheapest car insurance for drivers with an accident on their record:

Cheapest Car Insurance in Washington State for Drivers with an Accident:

According to ValuePenguin, State Farm offers the cheapest car insurance for drivers in Washington with an accident on their record. The average cost of full coverage car insurance in Washington is $185 per month, but State Farm offers a rate of $102 per month, which is 45% lower than the state average.

Cheapest Car Insurance for Teen Drivers with an Accident:

PEMCO Mutual offers the cheapest car insurance for teen drivers in Washington with an accident on their record. The average cost of car insurance for teen drivers in Washington is $231 per month, but PEMCO Mutual offers a rate of $89 per month, which is significantly lower.

Other Factors Affecting Car Insurance Rates in Washington:

In addition to driving record, other factors that can influence car insurance rates in Washington include gender, vehicle type, marital status, credit history, and location. Female drivers typically have lower insurance costs than male drivers, and drivers with good credit scores tend to pay lower rates. The type of vehicle, age of the car, and safety features can also impact insurance rates. Insurance rates can vary by city, with Seattle having higher rates than Spokane, for example.

Cheapest car insurance for drivers with a speeding ticket

Washington drivers with a speeding ticket on their record will see their insurance rates go up. The best way to find cheap car insurance after a speeding ticket is to compare rates from multiple insurers.

According to a 2024 study by U.S. News, USAA and PEMCO Mutual offer the cheapest car insurance rates in Washington for drivers with a speeding ticket, with average annual premiums of $1,044 and $1,088, respectively. The same study also found that Nationwide has the highest average annual rate for this category, at $2,606.

Another 2024 study by Bankrate found that CIG offers the cheapest full-coverage insurance in Washington, with an average rate of $874 per year. The study also found that Grange Insurance Association offers the cheapest minimum-coverage insurance for drivers with a speeding ticket, with an average annual rate of $123.

MarketWatch's 2024 study found that Farmers Insurance offers the cheapest full-coverage insurance in Washington, with an average rate of $1,881 per year. The same study also found that USAA offers the cheapest insurance for military members, with an average rate of $1,112 per year.

ValuePenguin's 2024 study found that State Farm offers the cheapest full-coverage insurance in Washington, with an average rate of $87 per month, or $1,044 per year. The same study also found that Grange Insurance Association offers the cheapest minimum-coverage insurance for drivers with a speeding ticket, with an average rate of $33 per month, or $396 per year.

Cheapest car insurance for drivers with poor credit

Poor credit scores can translate to extremely high rates for car insurance policies in most states, and Washington is no exception. Insurance companies view those with poor credit as riskier to insure.

According to MarketWatch, drivers with bad credit in Washington can expect to spend around $2,912 per year on full-coverage car insurance.

American Family Insurance is among the most affordable providers in Washington for drivers with mixed credit histories.

Frequently asked questions