Auto insurance in Washington is required by state law. There are two ways to get car insurance in Washington: through an auto insurance company or the WA Assigned Risk Auto Plan (WA-ARP). The Auto Insurance Center can help you find cheap car insurance in WA by putting your information into our free quotes comparison tool.
Washington Auto Insurance Laws All Washington state residents must purchase liability car insurance for bodily injury and property damage they may cause others in an auto accident. The minimum requirements are $25,000 per injured person up to a total of $50,000 per accident and $10,000 for property damage. People who drive without insurance in the state of Washington risk a traffic infraction and license suspension.
Cheapest Car Insurance in Washington
The cheapest car insurance in Washington starts at $12/mo. for full coverage on a new vehicle.
Best Car Insurance Companies
Washington State Farm Mutual, Safeco and Grange are some of the best auto insurance companies in Washington state. These companies all have an A+ rating from AM Best company as of March 2018.
Compare Washington Quotes Online
Drivers can quickly compare auto insurance quotes from multiple companies in WA by completing a quick form on the Auto Insurance Center. All you have to do is enter your zip code and vehicle information for free comparison quotes sent directly to your inbox.
Average Cost of Car Insurance
The average cost of car insurance in Washington is $1,480.72 for state minimum coverage.
Drivers With a DUI in Washington
You will pay an average of $746 more per year for car insurance if you have a DUI on your record according to Seattle car insurance agency PEMCO. Drivers with drunk driving convictions are considered high risk and should expect to pay much more for car insurance.
Drivers With Tickets in Washington
Drivers who have accrued too many traffic tickets will also be considered high-risk by insurance companies and must pay higher rates for car insurance. According to Seattle car insurance agency PEMCO, drivers with seat belt violations or speeding tickets will pay $75 more per year with about 16% of drivers in Washington with two or more traffic violations.
Drivers With Bad Credit in Washington
Many insurance companies give discounts to drivers who have good credit scores even if they are not excellent students or homeowners opting for car insurance in WA through the state-assigned risk plan.
Seniors in Washington
Drivers over the age of 55 can save on car insurance rates through a number of discounts offered in WA. Drivers receive a discount for being a good student, not having any moving violations in the past three years and more.
Student Drivers in Washington
Young drivers who have recently moved to Washington may not have a car or driver’s license in the state. This means they are considered a new driver and must pay more for car insurance, which is 25% higher than what an experienced driver would pay.
Military Drivers in Washington
Military personnel who are stationed out of state, but own their vehicle can opt to keep their insurance policy in Washington state. This is called continuing coverage and drivers receive a 10% discount on their car insurance quotes.
Car Insurance in Washington
Auto insurance rates are lower for newer vehicles than old ones, which means that the average cost of auto insurance in WA is $1,480.72 per year according to state law minimums.
Washington state’s minimum requirements for car insurance are $25,000 per person up to a total of $50,000 max coverage and $10,000 for property damage after an accident. Drivers who drive without the required amount of car insurance risk getting their license suspended by the WA DMV.
Conclusion
If you’re looking for the cheapest car insurance in Washington or the best company to compare quotes, we hope that this guide has helped. We know how tedious and difficult it can be when searching through all of those different companies and plans. Our goal is to provide an easy way to find what suits your needs with as little hassle as possible. Good luck!
