Have you owned a new car recently in Washington State and surfing on the internet to know about the cheap car insurance Washington State? If yes, then you have landed on the right website because, in this article, you will get to know everything about car insurance Washington State. Though buying auto insurance Washington State is not that easy because it will not fit perfectly into your budget, but still, there are some of the best Washington car insurance companies that offer premium quality insurance coverage at the most affordable price.
So, if you’re searching out for cheap car insurance in Washington State, you will have to shop around to find low rates. The average cost of minimum coverage in Washington State is about $650 per year compared to the national average of $600. This made Washington the 17th most expensive state in terms of car insurance.
Car insurance Washington State is not budget-friendly because it has a high percentage of uninsured drivers, and most of its residents generally live in densely populated urban areas. When many people drive their vehicles without insurance, it significantly brings up the cost of insurance coverage for everyone in the state. This is the most important reason why insurance companies still pay for damage caused by uninsured drivers and pass those costs to pay the insured customers.
Though there are multiple companies in Washington State that promise to offer cheap car insurance WA, you need to compare and shop around first and then choose the one that perfectly fits your budget. This guide will surely help you in answering all your questions relating to Cheap Car Insurance WA.
Who Has The Cheapest Car Insurance In Washington State?
Whenever you think of buying car insurance, the first thought that strikes your mind is who offers the cheapest car insurance? It is pretty obvious to think about it because the insurance rates are very high in Washington that might not be budget-friendly.
The insurance policy you will have to buy for your car comes in two categories: minimum coverage and full coverage. Different companies offer different prices for both of these coverages. So, to help you out in finding cheap car insurance WA, we have gathered a list of companies that offers affordable and best minimum and full coverage car insurance in Washington State.
Note: In USAA, only the current and former military members and their families are eligible for an insurance policy.
- Cheap Minimum Coverage Car Insurance In Washington State
For minimum coverage car insurance policy, the cheapest car insurance companies in WA are as follows:
- Progressive: $415/year
- State Farm: $489/year
- GEICO: $514/year
- Mutual Of Enumclaw: $598/year
- Allstate: $675/year
- USAA: $786/year
- American Family: $854/year
- Safeco: $976/year
- Farmers: $1,256/year
- Cheap Full Coverage Car Insurance In Washington State
For full coverage car insurance policy, the cheapest car insurance companies in WA are as follows:
- Progressive: $1,354/year
- American Family: $1,516/year
- Allstate: $1,684/year
- State Farm: $1,759/year
- GEICO: $1.876/year
- Mutual Of Enumclaw: $1,975/year
- Safeco: 2,154
- Farmers: $2,275/year
- USAA: $2,365/year
Who Has The Best Car Insurance In Washington State?
There are multiple and wide varieties of Auto Insurance Washington State companies that offer the best car insurance in the state. Along with providing insurance service at the most affordable rates, the companies also deliver excellent customer care assistance. Due to the presence of such a wide variety of insurance companies, you might get confused regarding which one is the best. To make this task of selecting the best insurance company a bit easier for you, we had conducted research. We found that PEMCO Insurance is overall the best car insurance provider in Washington State.
- PEMCO Insurance: The Best Insurance Company Overall
PEMCO Insurance is one of the most reliable, trusted, and favorite auto insurance companies in Washington. PEMCO Insurance was ranked in the first position for the Northwest region for offering the best insurance services throughout the nation based on quality services and customer satisfaction. The company is continuously gaining top marks as the best insurance provider in Washington State for seven consecutive years. So, if you are the one who values comprehensive customer experience, then PEMCO Insurance must be your top choice.
Top 10 Best Car Insurance Companies In Washington State
If you are looking out for the best car insurance Washington State companies, this section will help you with it. Washington is a state that presents challenges to the drivers that drivers may not have to face in other states, such as heavy snow and fog. Due to these challenges, there are high chances that drivers may involve in an accident. Therefore it becomes necessary for the drivers in Washington to get car insurance from the best companies that offer maximum coverage at minimum prices.
Though several insurances or auto insurance Washington State companies promise to offer the best services but not all of them are reliable. So, you must always go for the one that is reliable, affordable, and delivers excellent customer service. To help you out in this daunting task of choosing the best car insurance Washington State, we have prepared the list of top 10 best and cheap car insurance WA companies, which are as follows:
1) PEMCO
2) Geico
3) American Family
4) Travelers
5) State Farm
6) Farmers
7) USAA
8) Progressive
9) Allstate
10) Liberty Mutual
All these above mentioned Washington car insurance companies offer the best insurance services across the state with great customer care support as well. Without any second thought, you can undoubtedly go for any of these companies to buy your auto insurance Washington State. But make sure that it will be a good practice to undertake a bit of your own research before choosing the best insurer for your vehicle.
Average Cost Of Car Insurance In WA
The cost of car insurance Washington State is affected and influenced by a variety of factors like the level of coverage, the state you live in, your age, credit history, gender, accident record, driving history, etc. If you are searching for the next best car insurance Washington State, it is vital to understand that all the above factors can affect the price you will pay for your insurance coverage.
Different companies charge different prices for the car insurance policy. If we talk about the average car insurance rate in Washington State, it is nearly about $1,257 per year, which is 19% less than the national average. But the auto insurance premiums are affected by more than just the state in which you reside.
How To Get Cheap Car Or Auto Insurance In Washington State?
Are you in search of how to get cheap car insurance Washington State? If yes, then this section of the article will help you know the top ways that will surely help you cut down the cost of your car insurance in Washington State.
As you all know that the cost of insurance is very high, which might not fit into your budget, but it does not mainly mean that you will not buy insurance coverage. Not buying insurance coverage is an offense, so every state law requires all drivers to have minimum liability insurance. Despite the high auto insurance Washington State prices, there are some ways to help you in availing of cheap and best car insurance Washington State. The ways are as follows:
- Shop Around and Compare: The first and foremost way to get cheap car insurance is to shop around and compare the insurance policy prices of different insurance companies in Washington State. But make sure to compare the quotes from both regional and national insurers. Don’t forget to involve the local auto insurance companies in your search for cheap car insurance. In Washington, regional insurance companies like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance have lower car insurance rates than national companies like State Farm, Geico, and Nationwide.
- Know About The Factors Affecting Insurance: If you are buying insurance for the first time, then it is essential for you to know that your driving habits, accident records, and claims history significantly affect the price that you pay for your car insurance. But in Washington, there are several companies that take into consideration some of the other factors while calculating the insurance premium like your age, credit history, gender, marital status, and many more. The car you drive, or your annual mileage, and some other factors beyond your control significantly affect the price of the insurance premium.
- Maintain Your Coverage: Another best way to get cheap car insurance Washington State is to maintain your coverage by paying the premiums on time. If you fail to pay the premiums on time and your insurance coverage lapses, then you will have to pay higher even if you don’t own a car. Washington drivers who do not maintain the payment of coverage continuously might have to pay 11% more than those with six or more years of insurance history.
- Choose The Coverage That Is Perfect For You: Along with the regular insurance coverage, there are many other additional or optional coverage insurance companies offer to safeguard you. It is essential for you to choose those coverages only that is right and perfect for you. This will help you in saving much of your cost as you will not have to pay for the coverages that are useless for you.
Minimum Auto Insurance Requirements In Washington State
There are laws that require every vehicle owner to buy at least minimum auto insurance for the vehicle in every state. If we talk about the minimum auto insurance requirements in Washington State, then, in that case, Washington drivers are required to purchase liability insurance. Suppose you’re ever found at fault in a car accident. In that case, the minimum liability coverage pays for the property damage and injury expenses to the other party so that you don’t have to pay all these medical bills and expenses out of your own pocket.
The minimum auto insurance requirements in Washington State are as follows:
● $25,000 bodily injury liability per person
● $10,000 property damage liability per crash
● $50,000 bodily injury liability per collision
Though this will be enough for you to drive legally on the roads of Washington State, it’s usually a knowledgeable and wise decision to opt for more than the bare minimum requirement because a severe accident or car crash could easily leave you owing more than, say, $10,000 in property damage. You might also need to have common optional coverages such as collision, comprehensive and uninsured motorist protection that offers additional protection against unforeseen risks and injuries.
Is Washington State A No-Fault State?
Either a state is a Fault State or a No-Fault State in terms of the insurance. If we talk about whether Washington State is a Fault State or No-Fault State, then the answer to this question is Washington is a Fault Car Accident State.
The State of Washington follows a traditional Fault system when it comes to financial responsibility for losses stemming from a car accident, injuries, vehicle damage, lost income, etc. This means that the driver or the person who was at fault for causing the car accident is also responsible for any harm resulting from an accident. In Washington, a person who suffers from any kind of damage or injury due to an auto or car accident can proceed in one of the following three ways:
- By filing a third-party claim straightaway with the at-fault driver’s insurance company
- By filing a claim with his/her own insurance provider, assuming that the loss that has been occurred is covered under the insurance policy, or
- By filing a lawsuit of personal injury in the civil court against the at-fault driver
One crucial and vital thing to note here is that in No-Fault car insurance states, the person who wants to claim does not usually have the same range of options in case of an accident or injury.
Car Insurance Discounts In Washington State
Buying a car or auto insurance Washington State will cost you very high that might not fit into your budget perfectly. But this does not particularly mean that you will drive your vehicle without getting insured. It is compulsory for you to get at least minimum liability insurance for your car. Although, in order to cut down the cost of your Washington car insurance, you can avail of a variety of discounts that are offered by various insurance providers in the state.
Not all insurance providers in WA offer the same discounts. Different insurers offer different varieties of discounts to all their clients for:
- Working as a teacher
- Military Services
- Enrolment in an accredited university or college
- Having multiple policies with the same company
- Safe driving history
- Club or group membership discount
- Policy longevity
- Agreeing to install a monitoring device
- Taking a safe driving course
- Working as a first responder
From all these discounts, you can take up the ones you are eligible for, and these discounts will indeed help you cut down the cost of your insurance policy in Washington State to some extent.
Why Car Insurance Rates Vary In Washington State?
Whenever you go and shop around for auto or cheap car insurance Washington State, you might find different insurers are charging different prices. Have you ever wondered why these car insurance rates vary? We will give an answer to you.
In a nutshell, the insurance companies gather and collect specific data to determine how much risk you pose to the insurer and how likely you are to file a claim for an accident. Each of the insurance companies in WA weighs the rating factors differently and makes the calculations separately to determine the rate of the insurance policy. The safer you seem to the insurer, the less you will have to pay for your car insurance. On the other hand, the riskier you will appear, the more you will have to pay for auto insurance.
Apart from all this, there are several other rating factors that form as the basis for different rates of insurance in Washington State, which are as follows:
- Location
- Age
- Gender
- Marital Status
- Vehicle Type
- Credit History
- Miles Driven Annually
- Coverage and Deductibles
- Driving Record
- Claims History, etc.
Best Cheap Car Insurance After DUI In Washington State
There are many times that you may drive your vehicle under the influence. If the police officers catch you in such a case, then you may have to pay penalties. Therefore, if you are convicted of DWI or DUI offense in Washington State, you must carefully consider insurance possibilities. The prices of auto insurance may differ mainly depending upon the terms and conditions of the company.
If you are looking for the best and cheapest insurance providers after a DUI in Washington State, then the below-mentioned list of companies will help you get cheap car insurance after DUI.
- PEMCO: $1,725/year
- State Farm: $1,879/year
- Travelers: $1,986/year
- Progressive: $2,265/year
- Allstate: $2,372/year
- Safeco: $2,453/year
Amongst the top 6 cheap car insurance after DUI, PEMCO is the most affordable insurance provider that charges only $1,725 annually after DUI in Washington State.
What Are The Penalties In Driving Without Auto Insurance In Washington State?
Driving without car insurance in Washington State is illegal because every state has rules about having at least minimum car insurance coverage. Caught driving your vehicle without insurance, you should be ready to bear the penalty. Multiple offenses can add up and cost you your driving license.
If you are ever stopped by a police officer on the roads of Washington State, you must show the proof of Washington car insurance. If you do not have proof of insurance, you will then receive an infraction and will be subjected to a fine of at least $450. Along with a fine of $450, the penalties in Washington State for driving without car insurance will also include suspension of driver’s driving license, which means that you will not be able to operate or drive your vehicle until and unless your license is reinstated.
So, you must always make sure to get the best car insurance Washington State in order to drive freely on the roads of Washington.
How Are Car Insurance Rates Calculated In Washington State?
It might not be evident for you to understand how car insurance rates are calculated in Washington State. Whenever you search and compare Washington car insurance quotes, it can be very much irritating trying to understand how car insurance rates are calculated. While there is no exact formula for it, and all the auto insurance Washington State companies use different bases for calculating the same. There are multiple factors that contribute to the price that you pay for your car insurance. The common factors that affect the calculation of your car insurance rates in Washington State are as follows:
- Frequency of driving
- Driving record
- Location
- Age
- Marital status
- Gender
- Accident history
- Make, model, and year of car
- Credit history
- Optional coverages (Add-ons)
All these factors play an important and crucial role in calculating the rates of your car insurance in Washington State. If you have a poor credit history, you need to pay high insurance rates; if you have a clean driving record, you have to pay fewer insurance rates. In this way, each of the factors mentioned above affects the rate of your auto insurance Washington State.
How Much Does It Cost To Include Or Add A Teen To Your Policy In Washington?
If you are thinking of adding a teen to your insurance policy in Washington State, then this information is going to be helpful for you. No matter where you live or reside, adding a new member to your family insurance policy will surely raise and increase the rate of your insurance policy significantly. In Washington State, you can expect your insurance policy rate to go up and rise by nearly an average of 160 percent when adding a driver of 16 years of age.
The below-listed table will help you gain more clarity about how much it will cost to add a female or male teen to your Washington policy.
| Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
| Allstate F&C | $1,575 | $3,408 | $1,833 | $3,735 | $2,160 |
| Farmers Ins Co of WA | $1,618 | $3,656 | $2,038 | $3,861 | $2,244 |
| GEICO General | $1,371 | $2,355 | $984 | $2,867 | $1,495 |
| NICOA | $1,204 | $2,442 | $1,238 | $2,794 | $1,589 |
| Progressive Direct | $1,082 | $2,960 | $1,879 | $3,223 | $2,141 |
| State Farm Mutual Auto | $990 | $2,723 | $1,734 | $3,456 | $2,466 |
Among all the insurers listed above, NICOA has the lowest Washington car insurance cost to add a teen to a full coverage insurance policy.
Optional Coverage In Washington
Optional coverage is just a kind of additional protection to your car insurance that can protect you against financial losses arising from a car accident or any other car-related issue. The optional coverages in Washington State cover the perils that are not automatically included in your best car insurance Washington State policy. Taking optional coverage is always a good idea as it safeguards you from significant financial losses that may arise at the time of a car accident.
It is important to note that every auto insurance Washington State company offers different types of optional coverages, so you choose the ones that perfectly fit your requirements. Some of the most common optional coverages in Washington State are as follows:
- Comprehensive: This Washington car insurance optional coverage is used to repair your vehicle in case of physical damage that occurs from a non-collision-related incident. The non-collision incidents may include glass breakage, theft, vandalism, contact with animals, etc.
- Collision: Collision is an optional coverage that is used to repair your vehicle when physical damage is caused by a collision with any other vehicle or any object.
- Underinsured or Uninsured Motorist: Such kind of optional coverage protects you in the case of an accident where the other party is at fault and either is underinsured or does not carry any insurance coverage. Under this, you will get coverage against Property Damage and Bodily Injury.
- Accident Forgiveness: Under this optional coverage, your insurance policy price will not hike or increase in case you have met with your first at-fault accident.
- Roadside Assistance: The roadside assistance optional coverage is available on two different levels, i.e., Basic and Plus; you can choose the one that fits your budget perfectly. Under this optional coverage, you will be get covered for jump-starts, lockout service, fuel delivery, etc.
What Happens If Coverage Lapses In WA?
Ohh! So your car insurance coverage lapsed in WA. Maybe you were a little short on the money last month, or perhaps you just forgot, or maybe your car broke down. Either way, you didn’t pay your car insurance company on time.
Have a look at what happens in this particular situation. If your car insurance in Washington State lapses for any reason, then, in that case, the state may take away your driving privileges, and moreover, the state will fine you to reinstate them even if you are not caught driving. The reason is that because if you have a car registered by your name, the state will assume you are driving.
Suppose your car insurance lapses in Washington State, or you fail to provide proof of insurance. In that case, you will be charged with severe penalties that can go as high as $450, and additionally, your car insurance premiums might also rise to a certain level in the future. The truth is that a lapse in car insurance coverage is a big deal, and even a short lapse can result in the following:
- Expensive force-placed insurance
- An increase in the rate
- A suspended license
- A fine
- Huge financial liability for any cost in an at-fault accident
So, all these things can happen in this situation. Therefore, it is essential that you pay your car insurance Washington State company on time to avoid such lapses in the future.
Top 10 Cheapest Cities For Car Insurance In Washington State
If you one of the below-mentioned cities, then you are probably paying some of the lowest rates for auto insurance Washington State. We have done heavy-lifting for you. According to our research, Bellingham is the cheapest city in Washington State and at only $80/month.
There are other cities in the top 10 list and which are Kennewick at $84/month, Longview at $89/month, and Yakima at $94/month.
Let’s have a quick look at the below table demonstrating the top 10 cheap car insurance WA:
| Rank | City | Average Monthly Rate |
| 1 | Bellingham | $80 per month |
| 2 | Kennewick | $84 per month |
| 3 | Longview | $89 per month |
| 4 | Yakima | $94 per month |
| 5 | Kirkland | $95 per month |
| 6 | Pasco | $98 per month |
| 7 | Bremerton | $105 per month |
| 8 | Olympia | $115 per month |
| 9 | Lacey | $120 per month |
| 10 | Spokane | $130 per month |
Automobile Insurance Fraud In Washington
We are very well aware of the fact that car insurance fraud in Washington state is a crime. However, what could be puzzling is what qualifies or regarded as a fraud? What could be the consequences of committing fraud? In last, how can one avoid committing fraud unwittingly?
Auto insurance frauds committed by people can be of 2 types:
- Hard Frauds
- Soft Frauds
Let’s first talk about hard frauds – crimes like a claim fabrication or staging collisions for filing a claim for injuries and damages that didn’t happen.
So, what about soft fraud? This kind of fraud is quite prevalent. You must be cautious of not committing these frauds unwittingly. Soft frauds include underestimating mileage in an auto insurance application, claiming garage parking for an offer or discount when the vehicle is parked on the street, reporting an incorrect ZIP code to the insurance firm, etc.
Nevertheless, you can be a victim of the below insurance frauds:
- Fake insurance firms: Fake insurers garner premiums for wrong or false insurance policies.
- Unlicensed insurance firms: Legitimate insurance firms selling unlicensed insurance products.
- Fraud by individuals: Agent garners premium without passing on the premium to the insurance firm.
- Fraud by consumers: Staging a collision, inflating claims, or just sharing wrong info for a lower premium.
Auto insurance fraud is indeed a crime categorized either as a felony or a gross misdemeanor by the Office of the Insurance Commissioner in Washington. Besides criminal penalties, the individual who commits the fraud may also have to go through civil penalties, which include revocation of a driver’s license, fines, and much more you can expect.
One can report the insurance fraud with the OIC – Office of the Insurance Commissioner for a reward. And the OIC might forward the alleged crime to the CIU – The Criminal Investigations Unit for investigation and plausible indictment.
Who Pays For My Medical Bills After A Car Accident In Washington?
For residents of Washington state, obtaining the proper medical treatment as soon as possible should be the very first thing to do for accident victims.
Not only can proper medical care assist accident victims to recover from all the injuries faster and effectively, but building documented medical history following a collision is one of the most imperative things victims can take. This is done in order to guard their legal rights and enhance their odds of a successful bodily injury claim against the at-fault party and their insurance firm.
Here is the million-dollar question – who is going to pay for my medical treatment after an accident? Lots of accident victims are shocked to ascertain that though the at-fault party’s insurance firm is technically legally accountable for all damages an accident victim has encountered, the insurance firm won’t necessarily pay for the accident victim’s medical expenses while they go through the medical treatment.
Third-party insurance bodily injury claims are generally resolved in one lump sum, and usually, once the injured victim has gone through their medical care and been released by their physician/ other medical providers. That implies car insurance victims in Washington are left in order to cover medical bills in the interim until they’re in a condition to negotiate a reasonable settlement with the insurance firm, either on their own or with the help of a personal injury lawyer in Washington.
Teen Drivers Car Insurance: In Washington State
Washington state utilizes a graduated licensing system much similar to that in many other states. This guides teens driving skills with time and enables them to ascertain while keeping themselves as well as other motorists safe on the road.
The graduated system entails three steps:
1: Instructional Permit
There are two means to get an instructional permit in Washington state:
- Take part in a driver education course that the state has approved. This enables the teen to get a permit at the age of 15, and the written test is surrendered.
- Pass a written knowledge test when you’re at least 15 ½ years old. Though this test to get a permit can be taken before registered in driver education, every teen is still needed to take a course in order to move to the next driving licensing level.
With a permit, the teen driver can commence practicing behind the wheel as long as the driver who will supervise is in the passenger seat. That driver must have held a driving license for at least five years. Before taking the road test, the driver has to go through a practice time – a total of 50 hours, at least ten of which must be at night. And the permit is valid for one year, and it can be renewed one time.
2: Intermediate License
After going through an approved driver education course and the needed hours behind the wheel, teens who are at least 16 years old can go through the road test for an intermediate license. There are numerous restrictions and guidelines on this license that has to be pursued at all times. So, let’s have a quick peek at those restrictions:
- For the first six months, the driver might not have any passengers under the age of twenty who are not immediate members of the family.
- For the second six months, the driver might not have any more than three passengers under the age of twenty, with the immediate family members as an exception.
- For the first twelve months, driving isn’t permitted between 1 AM and 5 AM unless there is the presence of a supervising driver. The one exemption is for approved agricultural businesses.
- Mobile phone usage, even hands-free, is forbidden at all times. The only exemption is if you have to report an emergency.
3: Full License
At the age of 18, teens can progress to a full license. At this time, there ree no more guidelines or restrictions that have to be followed. Once teen drivers get an intermediate license/above, they are needed to carry insurance in obedience to the state law. Most teens can be introduced to the insurance policy of a guardian or parent for as long as they are away at school or live at home, or teens can consider obtaining their cheap car insurance Washington State.
New Driver Licensing Requirements In Washington State
Below are new driver licensing requirements in Washington state:
- The Washington State DMV (Department of Motor Vehicle) needs all new drivers to practice driving before getting a regular driver’s license. Relying on the age of the applicant, different requirements are required.
- Applicants enrolled in an approved driver education course may get their permit at the age of 15. Applicants who aren’t yet enrolled in a driver education course may get their permit ate of 15 years, six months. Knowledge test and vision test completion are needed for the application.
- As long as the driving permit is valid, the applicant might require a driver with a licensed driver who has held her/his license for five years or even more.
- While holding the permit, the applicant must log forty hours of driving in addition to ten hours of driving at night.
- Though the permit is valid for one year, applicants who are under the age of 18 must hold the permit for a minimum of six months before they apply for their license. Applicants who are 18 or older don’t have a time restriction to hold the permit.
- Once the requirements for the Instruction Permit are met, the applicant can take the road skills test and apply for a full license. If the applicant gets his or her license and is under 18, then instructions are applied, and those are the same that comes under Intermediate License for teen drivers in the state.
- A visual acuity of 20/40 or even better in addition to a field of vision of 110 degrees or even better are the vision test requirements. The test might be taken without or with corrective lenses. The lenses, if utilized, has to be worn at all times while driving.
- To pass the knowledge test, 20 out of 25 multiple choice questions have to be answered correctly. The Manual of Washington State Driver entails all the info required to pass this test. Upon failing this test for the very first time, the applicant might re-take it after four hours. If failed a second time, the applicant has to wait one day for retaking the test.
- Road test: the test administration will check the applicant-provided vehicle for the equipment: brake lights and brakes, turn signals, driver door window has to roll down, passenger door function properly, mirrors, headlights, windshield wipers, defrosters.
- An 80 score is required to pass, and the testing facility determines the re-test times.
- Fees: Learner Permit – $25, Regular License – $89 – applicable for all applicants.
That’s it. These are all the requirements for new driver licensing in Washington state.
Washington Car Insurance Rates By Age
Typically, auto insurance firms are going to charge more for younger drivers and offer discounted rates for older ones. Insurance carriers consider young drivers as inexperienced and entail a higher risk of getting involved in accidents.
In Washington, the typical teen driver – age 16 -19 will pay $115 per month. A driver, on the other hand, in their 40s, will pay $149 per month.
Let’s have a quick look at the below table demonstrating Washington car insurance rates by age:
| Age | Average Monthly Rate |
| 16-20 | $115 |
| 20s | $126 |
| 30s | $138 |
| 40s | $149 |
| 50s | $158 |
| 60s | $167 |
| 70s | $189 |
| Over 80 | $197 |
Average Car Insurance Rates In Washington By Credit Score
There are lots of factors considered when it comes to determining the rates for auto insurance Washington State. Your age, vehicle, and location, for instance, matters to determine whether it’s possible to obtain cheap car insurance WA. Insurance firms also consider your credit score to figure out car insurance rates. Washington drivers with an outstanding credit score pay $92/per month as compared to ones with a bad credit score who generally pay $158/month.
Let’s have a quick peek at the below table demonstrating the average Washington car insurance rates by credit score:
| Credit Score | Average Monthly Rate |
| Excellent | $92 |
| Good | $134 |
| Bad/Poor | $158 |
Best Coverage for Multiple Cars In Washington Auto Insurance
Are you looking forward to lowering your car insurance Washington State and manage multiple premiums at once?
Turn to State Farm as soon as possible. State Farm provides a wide variety of discounts to its customers. You will be able to save big when you consider a defensive driving course, remain accident-free or if your teen has decent grades. Of course, there is a multi-car discount slashing your premium when insuring multiple vehicles.
More on the best car insurance Washington State- State Farm: State Farm is the biggest auto insurance firm in the country. Luckily, it is also one of the ultimate, especially in terms of customer service experience. Obtaining high appreciation from the J.D. Power for its customer service and claims handling, it has the most positive reviews by far.
One of the biggest benefits you could have by considering State Farm is how easy it is to reach an agent. With 19,000 agents, you can call them to file a claim. If you don’t have enough time for a call, then State Farm has a mobile app that lets you get in touch with a representative or send a photo of the damage. A very user-friendly mobile application should not be taken for granted as not every insurance firm offers this kind of luxury. What’s more? State Farm entails the best online quote tool. In short, State Farm has all the good reasons to consider for insuring multiple cars. For more information on State Farm, we recommend vising their official website.
Liability Vs. Full Coverage Car Insurance In Washington
Typically, liability coverage is cheaper and entails the expense of damage that you might cause to other parties or vehicles. On the other hand, full coverage entails comprehensive and collision insurance and possibly – PIP and UMPD/UIM that would cover you, your passengers, and your vehicle if you end up in an accident, irrespective of fault.
In Washington state, the average rate for liability coverage is about $76/month. On the other side, the average rate for full coverage is around $126 per month.
Cheap Full Coverage Car Insurance In Washington
The companies offering cheap car insurance Washington State for full coverage were:
- GEICO
- Allstate
- State Farm
- Mutual of Enumclaw
Together, these four cheapest auto insurance companies had an average premium of around $1,415 that’s is 24 percent cheaper as compared to the overall Washington average of $1,719. Let’s have a look at the below table demonstrating the full coverage auto insurance premiums or rates with no prior accident history for all eight insurance firms in Washington state.
| Rank | Insurance Firm | Annual Rate with No Prior Accident |
| 1 | Mutual of Enumclaw | $1,154 |
| 2 | State Farm | $1,456 |
| 3 | GEICO | $1,527 |
| 4 | Progressive | $1,658 |
| 5 | American Family | $1,734 |
| 6 | Allstate | $2,356 |
| 7 | Farmers | $2,478 |
| NA | USSA | $2,512 |
If you’re curious to know why USSA isn’t ranked, then it’s because only former and current military members and their family members are qualified for a policy.
For a full coverage car insurance with one prior accident, the cheapest insurance companies in the state were the same as with no prior accident:
- State Farm
- GEICO
- Progressive
- Mutual of Enumclaw
However, these four insurers together have an average insurance rate of around $1,825 or 35 percent cheaper as compared to the overall state average of $2,678.
Drivers with one prior accident on their driving history record tend to obtain more expensive insurance rates as compared to ones without any accident history. The approximate insurance rate difference between a full coverage with no prior accident Vs. with one prior accident was $913.
Last Few Words:
That’s it. We have covered all you need to know about obtaining the cheap yet best car insurance Washington State as you can now see that many factors play a role in calculating the insurance rates, for instance, your age, credit score, location, and much more. The tips covered here for getting cheap auto insurance Washington state can surely help you a lot.
