Cheapest car insurance in Washington State For April, 2024

USAA stands out as the leading provider for the lowest-cost vehicle insurance in Washington State

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Updated: 29 February 2024
Written by
Bob Phillips
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Are you on the lookout for the lowest-cost vehicle insurance in Washington State? If so, USAA stands out as the leading provider. Known far and wide for its great rates and dependable service, the company offers top value for both minimum and comprehensive coverage.

In this comprehensive document, we compare different vehicle insurance options while focusing on cost-effectiveness. With over 10 years of expertise in analyzing vehicle insurance policies, I’ve broken down our findings to assist you in finding your way through this complex market. My research digs deep – so it’s not surface level stuff. I’ve examined dozens of top insurers, assessing them on various parameters to ensure you receive the information that matters.

Remember, taking short cuts and focusing only on cost can be a more expensive proposition down the road. This is especially true in a state with driving challenges – like Washington State. My objective is to give you the information you need to make the right choice for your – in a way that protects you on the road and doesn’t cost an arm and a leg. So, get ready as Insuranceopedia explains the essentials of selecting the right vehicle insurance in Washington State.

Our methodology

Drawing upon an extensive analysis that focuses on various facets such as customer service ratings, policy options, expense, and a thorough consideration of various online review sites and policyholder experience, I've crafted an in-depth resource of the landscape of auto insurance providers in Washington State. This is a perspective based on research, honed by over 15 years of experience as a licensed casualty insurance agent in Washington State, many discussions with representatives from various insurers, and insights gained from first-hand experience purchasing vehicle insurance in Washington State.

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Cheapest car insurance companies in Washington State 2024

Cheapest car insurance, Washington 2024

Cheapest car insurance in Washington for minimum coverage

Pemco Insurance offers the lowest-cost minimum coverage auto insurance, with average monthly premiums of $25.

Minimum coverage in auto insurance is the most basic level of protection, meeting the legal mandates set by Washington State. It predominantly includes two key portions: Personal Injury Protection (PIP) and Property Damage Liability (PDL).

PIP covers medical costs and lost income for you and your passengers, no matter who caused the collision, while PDL covers the costs of damage to someone else’s property resulting from an accident you caused. This coverage is especially appealing to people looking for an insurance solution that is affordable and meets Washington State’s minimum legal requirements.

It’s vital to know that opting for liability-only coverage may have its limitations, particularly in more complicated or serious accident scenarios. While it meets the requirements of state laws and offers a basic safety net, liability-only coverage does not cover many things that full more comprehensive insurance plans cover.

For example, it lacks collision and comprehensive insurance. That means damages to your own car in the event of a collision or other problems like theft and natural disasters won’t be covered. So, people must carefully consider their specific situation, their risk-tolerance level, and if they require more coverage beyond the state’s minimum requirements for the best protection.

Provider Average Monthly Cost Average Annual Cost
Pemco Insurance $25 $301
USAA $30 $357
Encompass $35 $421
Geico $39 $462
Travelers $41 $493

Cheapest car insurance in Washington for full coverage

USAA has the most affordable full coverage car insurance in Washington State. You can buy coverage for around $93 a month.

Comprehensive coverage auto insurance encompasses a wider range of protection versus minimum coverage, making it a comprehensive choice for many people. This sort of policy integrates both comprehensive and collision coverage, creating a strong safety net. Comprehensive insurance covers non-accident-related issues like theft, vandalism, and natural disasters, while collision insurance covers damages to your car if there’s an accident, regardless of fault.

This dual-layered strategy ensures that motorists are safeguarded in many scenarios, from collisions to unanticipated environmental damages. Full coverage is cars especially recommended for people with newer models or high-value cars, as these vehicles usually need more expensive fixes or replacements.

The cost of comprehensive full coverage is traditionally higher than that of liability-only coverage, but this boost in price comes with a big uptick in protection. For people who own newer or more expensive cars, this type of insurance is not merely a suggestion but a necessity to protect their investment.

Provider Average Monthly Cost Average Annual Cost
USAA $93 $1,121
Geico $110 $1,317
Encompass $117 $1,398
Travelers $121 $1,452
Progressive $124 $1,489

Cheapest car insurance quotes in Washington for drivers with poor credit

If you have bad credit, you can find the lowest-cost auto insurance coverage with USAA. Premiums are around $110 per month.

Credit score plays a big role in determining car insurance premiums, serving as a primary indicator for insurance providers in assessing the risk profile of a person. The underlying rationale is that people with lower credit scores are more likely to file insurance claims, which consequently makes them high-risk customers from an insurance company’s perspective. Customers who fit this profile are charged more for car insurance.

Drivers with bad credit scores usually find themselves with higher insurance premiums compared to people with good credit. The credit score is used to determine a driver’s overall responsibility and reliability, going beyond their driving history to look at their financial stability and management prowess.

Despite this reality, the insurance segment does offer some relief for motorists with shaky credit histories. Some insurance providers have tailored their options to cater to this category, providing more reasonable premiums that don’t heavily punish bad credit as much as us usual policies. These insurance businesses use a more holistic approach in assessing risk, considering things other than just the credit score.

This can include a person’s driving history, where they reside, and the kind of car insured. For people impacted by a bad credit score, it’s vital to look around and compare premiums from these specialized insurance companies. Many of these companies offer more flexible pricing structures, making auto insurance more affordable despite their credit score woes.

Provider Average Monthly Cost Average Annual Cost
USAA $110 $1,323
Geico $120 $1,438
State Farm $137 $1,638
Progressive $145 $1,742
Farmers $171 $2,054

Cheapest car insurance in Washington for young drivers

In Washington State, young adult motorists usually get lower auto insurance premiums versus teenage drivers in the state. This price discrepancy is due to the fact that younger drivers tend to take more risks behind the wheel. Statistically, young adults file fewer claims than teenage drivers with insurers, a factor that reflects a drop in accident incidents. So, insurers nudge premiums downward, recognizing the better safety records and lower likelihood of claims from these more experienced motorists.

Cheapest Washington car insurance for 16-year-olds

Nationwide has the lowest rates for 16-year-old drivers, with an average monthly premium of $344.

Provider Average Monthly Cost Average Annual Cost
Nationwide $344 $4,123
Kemper $374 $4,494
Grange $395 $4,742
USAA $403 $4,835
American Family $477 $5,729

Cheapest Washington car insurance for 17-year-olds

GEICO has the lowest rates for 17-year-olds, with an average monthly rate of $294.

Provider Average Monthly Cost Average Annual Cost
USAA $294 $3,525
State Farm $299 $3,593
Pemco Insurance $315 $3,783
Travelers $316 $3,796
Mutual Of Enumclaw Insurance $322 $3,868

Cheapest Washington State car insurance for 18-year-olds

USAA has the lowest-cost rates for 18-year-olds, with an average monthly rate of $254.

Provider Average Monthly Cost Average Annual Cost
USAA $254 $3,058
Pemco Insurance $274 $3,284
State Farm $275 $3,298
Travelers $281 $3,371
Mutual Of Enumclaw Insurance $290 $3,485

Cheapest Washington State car insurance for 21-year-olds

USAA has the most affordable premiums for 21-year-olds, with an average monthly premium of $97.

Provider Average Monthly Cost Average Annual Cost
USAA $97 $1,158
Geico $188 $2,257
Pemco Insurance $191 $2,294
Farmers $196 $2,357
State Farm $200 $2,405

Cheapest car insurance in Washington for seniors

Seniors can expect to pay $94 for low-cost car insurance, using USAA.

Seniors living in Washington State have the possibility to get affordable premiums for their out insurance. That’s because of different factors that work to their benefit. Age can be a major factor in deciding insurance rates, with the assumption being that as people get older, their reflexes and driving skills may decline. But this isn’t etched in stone. Many elderly drivers maintain great driving records well into their senior years.

Insurers see this and often reward good elderly drivers with reduced premiums. A great driving record — which includes few or zero collisions and traffic violations — can greatly sway insurance provider to offer better terms. Some insurers reward the maturity and skills that come with getting older, viewing seniors as responsible and less likely to take part in risky driving behaviors.

Further boosting the appeal for elderly motorists, some companies offer discounts specifically made for this demographic. These price reductions can be based on things like the person’s age, how often they drive their car, and completion of elderly driver safety courses. Many insurers encourage older people to take defensive driving courses, sometimes offering price cuts upon completion. These programs are designed to refresh and improve motoring skills and understanding, which can lead to safer driving habits.

Provider Average Monthly Cost Average Annual Cost
USAA $94 $1,123
Capital Insurance Group $119 $1,427
Kemper $122 $1,459
Auto Owners $124 $1,482
Pemco Insurance $125 $1,505

Cheapest car insurance in Washington for drivers with prior incidents

Drivers in Washington State with a track record of prior incidents, including collisions, speeding tickets, or DUIs, usually face substantial challenges when seeking affordable auto insurance. Such people are termed high-risk drivers in the eyes of insurance providers. This high-risk label is due to such people presenting a higher odds of filing future claims. As a result, insurers usually boost premiums for such motorists to account for the higher risks for financial payouts.

This is particularly true in Washington State, where the rate of traffic incidents can be higher than in other states. The rationale behind this pricing strategy is grounded in statistical analyses and risk assessment models, which indicate that a history of driving incidents correlates with a greater probability of future claims.

Cheapest car insurance in Washington State for drivers with a speeding ticket

USAA has average rates of $113, making it the lowest-cost option for motorists with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
USAA $113 $1,354
Pemco Insurance $127 $1,520
Capital Insurance Group $133 $1,598
Kemper $139 $1,670
The Hartford $148 $1,777

Cheapest car insurance in Washington for drivers with an at-fault accident

Pemco Insurance has average rates of $135, making it the more affordable option for people with an at-fault accident.

Provider Average Monthly Cost Average Annual Cost
Pemco Insurance $135 $1,615
USAA $136 $1,632
Kemper $140 $1,675
Capital Insurance Group $149 $1,792
Travelers $153 $1,835

Cheapest car insurance in Washington for drivers after a DUI

Pemco Insurance has average rates of $161, making it the lowest-cost option for drivers with a DUI on their record.

Provider Average Monthly Cost Average Annual Cost
Pemco Insurance $161 $1,934
California Casualty $189 $2,264
Progressive $191 $2,297
Capital Insurance Group $198 $2,379
Kemper $206 $2,482

Cheapest car insurance in Washington State for good drivers

Good drivers have clean driving records. They usually get lower auto insurance rates. Insurance companies determine risk based on a driver’s history, and people with clean driving records are viewed as being low risk. This risk profile reflects a history of responsible and safe driving, suggesting a reduced risk of filing claims down the road.

Insurers are more willing to offer these people more attractive rates, reflecting the reduced financial risk these drivers represent. For people who consistently follow traffic laws, steer clear of accidents, and show safe driving behavior, this works out to big savings on their auto insurance rates over time.

Provider Average Monthly Cost Average Annual Cost
USAA $94 $1,125
Pemco Insurance $104 $1,248
Kemper $108 $1,293
Capital Insurance Group $124 $1,482
Farmers $133 $1,590

Average cost of car insurance in Washington State

Average cost in Washington State – By age

Age Average Monthly Cost Average Annual Cost
16 $528 $6,332
17 $474 $5,686
18 $452 $5,422
19 $432 $5,178
21 $371 $4,457
25 $279 $3,353
35 $179 $2,152
45 $118 $1,421
55 $100 $1,202
65 $87 $1,042
75 $115 $1,374

Average cost in Washington State – By gender & marital status

Gender Marital Status Average Annual Cost
Female Single $2,252
Male Single $2,267
Female Married $2,153
Male Married $2,157

Average cost in Washington State – By credit tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $96 $1,153
Good $125 $1,503
Fair $205 $2,460
Poor $278 $3,336

Average cost in Washington State – by city

City Average Monthly Cost Average Annual Cost
Lacey $125 $1,443
Olympia $126 $1,507
Belfair $126 $1,507
Curtis $141 $1,697
Vaughn $141 $1,697
Puyallup $148 $1,781

Minimum car insurance requirements in Washington State

The minimum Washington State auto insurance coverage requirements are as follows:

  • $25,000 of bodily interest or death of one individual
  • $50.000 of bodily injury or death of any two persons
  • $10,000 of injury or destruction of property of someone else.

In Washington State, the law requires that all motorists must carry a minimum level of auto insurance to legally operate a car. This requirement is based on the Financial Responsibility Law and the No-Fault Law, designed to help motorists cover the expenses associated with vehicle accidents. Specifically, the law requires two main kinds of coverage: Personal Injury Protection (PIP) and Property Damage Liability (PDL).

Washington State is not a no-fault state, which means that the person who causes the accident is responsible for footing the bill for any damages caused by an accident. PIP coverage required in Washington State is $25,000. This coverage also covers lost salary and death benefits, offering a financial safety net for the policyholder and their family members.

Property Damage Liability (PDL) is the second required coverage in Washington State. This insurance pays for damages that the customer or members of their household cause to other people’s assets in a vehicle accident. The minimum required coverage for PDL in Washington State is also $10,000. PDL does not food the cost for the policyholder’s car damages; it’s solely for the damages caused to other people’s property.

Car insurance discounts in Washington State

While looking for vehicle insurance, seek out insurers that offer the best discounts for your needs and situation. Also, talking to your insurance agent can get you discounts that you might be taking advantage of currently.

Here’s a look at some common kinds of discounts offered by top car insurance providers:

  • Multi-policy: Bundle more than one insurance policy with the same insurance provider.
  • Homeowners: Homeowners may get a discount.
  • Good student: This discount applies to college, university, and high school students under 25 who have a B or greater academic average.
  • Safe car: If your vehicle has the latest safety technology, you can get a discount.
  • Paperless: You can get a price cut if you get your documents via email.
  • Pay-in-full: Paying for your coverage up front and in full can save you money.
  • Good driver: You can get a better rate by maintaining a good driving record with zero at-fault accidents, DUI, or traffic infractions in the last three years.
  • Defensive driving: Completing a defensive driving course can earn you a discount.
  • Driver training: Taking a driver education training course can also result in lower premiums.
  • Multi-vehicle: Insuring two or more vehicles under a single policy can earn you a discount.
  • Military: Veterans and active-duty military members can get a discount.
  • Senior: Policyholders who are 55 or older can qualify for a price cut.
  • New car: Drivers who buy new cars, usually no more than three model years old, get a price reduction.

FAQs

How much is car insurance a month in Washington State?

Washington State car insurance varies based on different factors. But it tends to range from around $215 to $289. Things that impact the price include the coverage you get, the car you drive, and your driving record.

What is the minimum car insurance one must have in Washington State?

In Washington State, the minimum vehicle coverage required is Personal Injury Protection (PIP) and Property Damage Liability (PDL).

Which insurance is better in Washington State?

The “best” insurance policy in Washington State depends on what you need. USAA and Pemco Insurance are both popular for their affordability and customer service.

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