Cheapest car insurance in Washington for 2022

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There is more than 5 million licensed drivers in Washington State. Every resident with a state-registered vehicle is required by law to have a minimum amount of auto insurance.

From that over 5.7 million licensed drivers in Washington State, over 21% are considered uninsured. Washington has the fifth highest percentage of estimated uninsured drivers in the country. Despite this, drivers in the Evergreen State still pay less than the national average for auto insurance. That average cost of car insurance in washington is $463 per year for minimum coverage and $1,176 per year for full coverage.

Bankrate analyzed the average annual premiums received by Quadrant Information Services for the largest auto insurance companies by market share in Washington state. If you are looking for cheap auto insurance in Washington, this information can help you find affordable coverage.

The cheapest car insurance in Washington

As in most states, Auto insurance is a requirement in Washington. But just because it’s a must-buy doesn’t mean you have to stretch your budget. By understanding which companies offer low average rates and comparing offers from multiple insurance carriers, you may be able to find coverage that suits your needs and finances.

When you shop for the cheapest car insurance In Washington, these companies might be a good place to start:

car insurance company Average annual premium for minimum coverage Average annual premium for comprehensive insurance
USAA $292 $818
pemco $314 $952
geiko $359 $912
Progressive $376 $974
district farm $404 $951

USAA

USAA sells insurance only to active and retired military personnel and their eligible family members. The company is highly rated for its customer service, claims processing and coverage options, and consistently offers low average prices. If you qualify for coverage, you should consider obtaining a quote from the USAA.

The USAA website claims that drivers save on average $725 when switching from another provider. With a variety of discounts, such. For example, storing a vehicle at a military base, being a smart student, insuring a new vehicle, and being claims-free for at least five years may be able to lower your rate even further.

Learn more: USAA insurance review

pemco

Pemco is a regional provider that sells insurance only in the Pacific Northwest. If you are looking for a company that focuses on the unique needs of drivers in this region, Pemco might be a good choice. Pemco also has local agents who can help you find car insurance.

The company offers numerous discounts aimed at drivers in Washington. In addition to more common discounts like savings on your car and home insurance, certain vehicle safety features, and a good student, you can also save if you’re a University of Washington graduate, if you pay in full, or if you’re an educator.

geiko

Geico is often one of the top picks for drivers who want cheap base coverage without the extra endorsements. While the company offers standard auto insurance like third party, collision, and collision damage waiver, there aren’t many options to customize.

Geico’s auto insurance options are limited, but the company offers a long list of discounts that might interest you if saving money is your primary concern. There are discounts for federal employees, military personnel, employee/member groups who have a vehicle with certain safety features, are a good student, and are a safe driver.

Learn more: Geico insurance review

Progressive

Progressive is another popular insurance company in Washington. The company is known for its wide range of coverage options, discounts and online tools. Progressive’s average full-coverage premium is the highest on our list, but it’s still below the Washington average.

To offset the cost of car insurance, Progressive offers impressive discounts. Many drivers are familiar with Progressive’s Snapshot secure driver program, which can result in a customized discount based on your driving habits. Progressive also allows you to use Name your pricing tool to find coverage options within your personal price range.

Learn more: Progressive Insurance Review

district farm

State Farm is the country’s largest auto insurance company, with over 16% the total market share. With low average rates, good coverage options, and multiple discounts, State Farm could meet your needs. If you prefer working with a personal agent rather than handling your insurance matters digitally or over the phone, State Farm may be particularly appealing. The company has local agents stationed throughout Washington state.

With State Farm, drivers gain access to two safe driver discount programs, Drive safe and save for adults and hands off for drivers under the age of 25. There are also discounts for being a good student, an out-of-school student, accident-free, and having a vehicle with certain safety features.

Learn more: Review of State Agricultural Insurance

Minimum coverage requirements for drivers in Washington

Washington state requires drivers to carry at least minimum liability insurance in order to legally drive. In Washington you must have at least the following Minimum Coverage Limits:

  • $25,000 personal injury per person
  • $50,000 personal injury per accident
  • $10,000 property damage

Washington also requires that the following be offered, but policyholders can refuse in writing if they wish:

  • $25,000/$50,000 underinsured motorist personal injury
  • $10,000 underinsured motorist property damage
  • $10,000 Basic Injury Protection

Drivers who choose minimum insurance pay some of the lowest rates. However, most insurance companies recommend that you purchase coverage in excess of the minimum amount required if you are financially able to do so. If you cause an accident and the damage exceeds the coverage limits of your policy, you are responsible for paying the difference out of your own pocket.

If you have a loan or lease for your vehicle, or if you simply want coverage for damage to your vehicle, you will need full coverage that includes collision damage waiver and collision damage waiver. These options provide coverage for damage to your vehicle from a variety of scenarios.

How to get cheap car insurance in Washington

In addition to choosing cheap auto insurance, there are several other ways drivers in Washington can get cheaper coverage:

  • Get multiple quotes: When looking for suppliers, get quotes from a few companies and compare them. This way you can see which provider can offer the cheapest rate for the type and level of coverage you need.
  • Look for discounts: Look for insurance companies that offer multiple discounts that you can take advantage of. Sometimes you can save money by simply signing up for automatic payments or signing up for paperless billing.
  • Choose coverage strategically: It can be tempting to buy additional coverages like Accident Forgiveness and OEM coverage, but these options cost extra. If you want to buy endorsements, choose the coverages that are most important to you.
  • Pay the full amount: If you can afford to pay your premium in full, you can save some money on your policy.

If you’re unsure which coverage, discount, or policy feature is best for you, it may help to speak to a licensed representative.

frequently asked Questions

What is the best car insurance in Washington?

That best auto insurance company in washington varies. The best provider is likely to be different for every driver. Because every driver has different needs and wishes. Drivers looking for the lowest price may choose a different company than drivers looking for specific coverage. When you are looking for insurance, it can help you get quotes from numerous companies to find the one that best suits your needs.

What is the average cost of car insurance in the US?

That average US driver pays $1,674 per year for comprehensive auto insurance and $565 for minimum coverage. In Washington, the average driver pays $1,176 per year for full coverage and $463 for minimum coverage.

How do insurance companies calculate insurance premiums?

Car insurance rates are individual. Insurance companies consider factors such as your age, zip code, claims history, and the type of car you drive when calculating your rate. Because of this, you can pay more or less than the national average rate based on your rating factors. Auto insurance companies in Washington are not allowed to use your credit rating as a factor in calculating your premium.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Coverage limits:

  • $100,000 Personal Injury Liability per person
  • $300,000 personal injury liability per accident
  • $50,000 liability for property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist personal injury per accident
  • $500 collision excess
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparison purposes.

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