Finding the best car insurance in Washington state requires that you consider your insurance needs and overall budget. Depending on your driving history, you may also need to shop around.
What Is the Best Car Insurance in Washington State?
Because everyone has different insurance needs, there isn’t really one best insurance provider. Different drivers will receive different rates from providers based on things like:
- Driving record
- Credit score
- Vehicle make and model
- Level of insurance coverage
- If you qualify for any available discounts
Some of these factors you may be able to control, like your driving record and credit score. Others, however, like your age and gender, you cannot change. You may be able to find other ways to save, like choosing a cheaper car to insure or inquiring about available insurance discounts.
Washington State Minimum Insurance
While you can adjust your insurance levels to get a better rate, there is a minimum level of coverage that you are required to carry. Washington state requires the following minimums:
- $25000 bodily injury liability per person
- $50000 bodily injury liability per accident
- $10000 property damage liability per accident
Even those these are the minimum requirements, most drivers could benefit from additional coverage. If you cause an accident, this insurance will only cover the other driver’s injuries and damages. You will have to pay for your own medical bills and damages yourself. This minimum level of coverage also does not cover your vehicle if it is damaged due to weather or if it is stolen.
Cheapest Insurance Providers in Washington State
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While individual insurance rates will vary, these are a few of the cheapest insurance providers in Washington state:
- State Farm: Average annual rate of $401
- GEICO: Average annual rate of $434
- Progressive: Average annual rate of $458
- Mutual of Enumclaw: Average annual rate of $527
- Farmers: Average annual rate of $739
- American Family: Average annual rate of $784
- Allstate: Average annual rate of $863
- USAA: Average annual rate of $342
These rates are based on minimum coverage with data from ValuePenguin. While USAA has the cheapest rates, it is important to note that it is only available to military members.
Washington state also has a program for high-risk drivers who may not be able to get coverage through another provider. This is referred to as the Washington Automobile Plan and is available to any Washington state drivers who were denied coverage based on credit or a bad driving record with numerous violations or accidents.
Best Insurance Companies in Washington State
The cheapest insurance companies are not always the best. It is important to consider factors other than price, like customer satisfaction ratings. These are a few of the best companies in Washington state:
- Farmers Insurance
- State Farm
- American Family
According to Bankrate, each of these insurance providers have a BBB rating of at least a B+ or higher. It can also be helpful to consider your individual driving factors that affect your rates when choosing the best provider. For example, teen drivers often pay the most in Washington state. Mutual of Enumclaw may be the best option for drivers under the age of 20.
If you have multiple high-risk factors, like if you are a teen driver with a traffic violation on your record, then you may need to do even more research to find the best car insurance rates. Mutual of Enumclaw and State Farm usually offer the cheapest rates for multi-risk drivers.
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If you or a family member is in the military, you will almost always get the best rates with USAA as long as you qualify.
Bad Driving Record? Best Insurance Providers in Washington State
A bad driving record can increase your insurance rates by a lot. In fact, drivers with a speeding ticket on their record pay, on average, 24 percent more than drivers with a good record. The best rates in Washington state for drivers with a bad driving record are usually with Mutual of Enumclaw and State Farm.
Having a DUI on your record can increase your rates even more, by as much as 65 percent. The best rates in Washington state for drivers with a DUI on their record are usually also with State Farm and Mutual of Enumclaw.
How to Get the Best Insurance Rates in Washington State
In addition to comparing average prices among providers, there are other ways that you can save on your insurance rates:
- Ask about discounts: Many insurance companies offer discounts. Find out if you qualify for any available discounts like military members, college students, first responders, or teacher discounts.
- Take a safe driving class: Some insurance companies may also allow you to take a safe driving class in return for discounted rates.
- Increase your deductible: You may be able to increase your deductible for cheaper monthly payments. Keep in mind, however, this means you will have to pay more if you file a claim.
- Adjust your insurance level: You may also be able to adjust your insurance level. Consider the value of your vehicle and how much it will cost to repair or replace it when deciding how much coverage.
Drivers who have an auto loan may have to carry full coverage based on lender requirements. However, if you have an older vehicle, you may have more control over the level of coverage you buy, as long as it meets the state’s minimum requirements. It is also a good idea to frequently compare quotes among your available providers. Anytime your insurance rates increase, request updated quotes and reevaluate your needs.
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The best car insurance in Washington state depends on your individual insurance needs. Evaluate your risk factors, as well as the level of coverage you need when choosing the best insurance provider for you. Check this out if you need additional information, resources, or guidance on car insurance.
Best Cheap Insurance Rates in Washington (2021) I valuepenguin.com
The Best Washington Car Insurance Companies 2021 I bankrate.com
DUI Insurance Rates: Everything You Need to Know I caranddriver.com
State Minimum Car Insurance: Everything You Need to Know I caranddriver.com
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