Best Auto Insurance In Washington State: Top Picks

The best auto insurance in Washington State depends on a variety of factors, including age, driving history, location, and more. The average cost of full-coverage car insurance in Washington is $1,730 per year, a little higher than the U.S. national average of $1,638. PEMCO has the lowest average insurance rates in Washington at $918 per year for full coverage. For military members only, coverage from USAA has a low average of $1,112 per year or $93 per month.

Cheapest car insurance companies in Washington

Washington state law requires drivers to carry minimum levels of bodily injury and property damage liability coverage. The cheapest car insurance in Washington state is offered by State Farm, with an average of $87 per month for full coverage. For minimum coverage, State Farm is also the cheapest at $33 per month. For young drivers, Pemco offers the most affordable quotes, with an average rate of $75 per month for minimum coverage insurance.

For military members only, USAA offers coverage at a low average of $93 per month. Farmers Insurance is another cheap option for most drivers, with an average of $157 per month for full coverage.

Cheapest car insurance companies by age in Washington

The cheapest car insurance rates in Washington state start at $38 per month, with the most affordable companies with nationwide availability being USAA, Travelers, and Geico. The average annual car insurance premium in Washington is $1,285.

The average annual car insurance premium for a 35-year-old driver with good credit and no driving violations is $844 for males and $855 for females. The average annual car insurance premium for a 25-year-old driver with good credit and no driving violations is $1,046 for males and $1,052 for females. The average annual car insurance premium for a 60-year-old driver with good credit and no driving violations is $761 for males and $815 for females.

USAA offers the cheapest car insurance rates in Washington for military families. PEMCO Mutual has the cheapest car insurance rates in Washington for teens, young drivers, adults, and seniors. State Farm has the cheapest car insurance rates in Washington for drivers with a DUI.

Choosing the right car insurance company in Washington

When it comes to choosing the right car insurance company in Washington, there are a few things to keep in mind. Firstly, it's important to compare quotes from multiple providers to ensure you're getting the best rates. Washington state law requires drivers to have a minimum level of car insurance, including bodily injury liability coverage and property damage liability coverage. When choosing a company, consider your specific needs, such as whether you require additional coverage options or have a history of accidents or traffic violations. It's also worth looking into discounts offered by different companies, such as multi-policy or good student discounts. Additionally, the type of vehicle you drive and your age can impact your insurance rates. Younger drivers tend to pay higher premiums due to their lack of experience, while older adults may see an increase in rates as they enter their senior years. By considering these factors and comparing quotes, you can find the right car insurance company that offers the coverage you need at a price that fits your budget.

Car insurance rates for drivers with driving violations in Washington

• Age and Gender: In Washington, car insurance rates tend to be higher for younger drivers, especially teens, due to their lack of driving experience. Rates typically decrease from ages 25 to 60 and then begin to increase again for senior drivers. Male drivers also tend to pay more than female drivers, as data shows they are more likely to engage in riskier driving behaviors.
• Vehicle Type: The type of vehicle you drive can significantly impact your insurance rates. Vehicles with higher MSRPs, safety features, repair costs, and parts availability may have higher insurance premiums. Luxury and sports cars, SUVs and vans, and vehicles with low safety ratings often have higher insurance costs.
• Driving Record: A driver's history can greatly influence their insurance rates. At-fault accidents, speeding tickets, and DUI convictions can result in surcharges and higher premiums. For example, an at-fault accident can increase your full coverage premium by 44% on average.
• Credit Score: In most states, a poor credit score can lead to higher car insurance rates, as it indicates a higher risk of filing claims. Improving your credit score can be a way to lower your insurance costs over time.

To find the best rates, it is recommended to compare quotes from multiple insurance companies, as rates can vary significantly between providers. Additionally, consider taking advantage of discounts, such as good student discounts, bundling policies, and raising your deductible to lower your premium.

Cheapest car insurance for drivers with a DUI in Washington

The best cheap car insurance for drivers with a DUI in Washington is offered by Progressive, according to Forbes Advisor. Progressive has the cheapest rates for drivers with a DUI and competitive rates for a broad range of other driver profiles. Progressive also has a low level of complaints against it with state insurance departments.

According to ValuePenguin, Progressive has the cheapest auto insurance for drivers with a recent DUI. A full coverage policy from Progressive costs $212 per month after a DUI. That's $90 per month cheaper than the national average.

Frequently asked questions