As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Alabama Auto Insurance and COVID-19
Washington has provided a list of auto insurers offering discounts to customers based on reduced driving.
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From the North Cascades to metro Seattle, the winding roads of Washington State have over three million registered vehicles.
With all those cars on the road, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Make sure you use Insurify, which lets you customize and compare the cheapest quotes from up to 20 different insurance companies!
For city-specific car insurance details, see our in-depth overview for Spokane.
Cheapest Car Insurance Quotes in Washington
These are the cheapest insurance companies in Washington for the following driver profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates across the twenty most populous cities in Washington.
Best Car Insurance in Washington
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Washington. For the complete list, see Insurify’s best car insurance companies.
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Most Popular Car Insurance Companies in Washington
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Washington by market share:
- State Farm
- Liberty Mutual
Cheapest Car Insurance Quotes in Washington by City
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Washington to find you the cheapest quotes in each of these metropolitan areas.
Washington’s most populous city, Seattle — which is home to over 700,000 people and a massive commuting workforce — is known as one of the most traffic-laden cities in the country.
Cheapest Car Insurance Quotes in Washington by Profile
Here are the cheapest insurance companies in Washington based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. USAA will almost always offer Washington residents the cheapest auto insurance options, but members must be current or former servicemen and women.
Cheap Car Insurance for Good Drivers
For Washington drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. American Family offers the best options for good drivers in Washington, at $15 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Washington, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. Progressive offers the best deal for drivers with a DUI at $41/month. USAA is best for drivers with at-fault accidents on their driving record or for those with a history of speeding, at $41/month and $32/month respectively. Average rates for high-risk drivers tend to be higher than other drivers.
Cheap Car Insurance for Drivers with DUI in Washington
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Here are the best rates we could find for Washington drivers with a DUI:
Cheap Car Insurance for Drivers with an At-Fault Accident in Washington
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness, you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
Cheap Car Insurance for Speeding Drivers in Washington
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game.
The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Washington, you will likely pay more for auto insurance coverage than the average driver. This is because inexperienced drivers pose a higher risk to insurance providers. USAA Insurance offers the cheapest car insurance rates for young drivers, averaging $23 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds also generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Washington as a non-U.S. citizen, you’ll need to make sure you have a few necessary items.
Foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Washington. Use Insurify to customize and compare car insurance quotes that will work best for your profile.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Washington if you have a poor credit score.
Washington car insurers are permitted to use credit score as a factor when calculating the risk of any policyholder, meaning they can increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk.
Depending on where you live in Washington, car insurance premiums fluctuate based on many factors, not just credit score. Good credit can save you a whole lot of cash in the long run.
Washington Auto Insurance Laws
State Minimum Car Insurance Coverage in Washington
All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.
- $10,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Uninsured and underinsured motorist coverage are optional add-ons for drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. Uninsured/underinsured motorist coverage is recommended in the state of Washington through the forms of:
Personal Injury Protection (PIP) is an optional addition you can add to your auto insurance policy. PIP provides coverage for medical and hospital expenses, wage loss, and funeral expenses associated with a car accident.
Am I liable if I cause a car accident in Washington?
Washington uses a comparative fault system. Fault is divided and applied among drivers involved in a car accident.
Since Washington is not a no-fault state, damages after a car accident may be split. By adding Personal Injury Protection (PIP) to your policy, Washington drivers can be covered in an accident even if they are found to be at fault.
Distracted Driving in Washington
Using wireless devices while operating a motor vehicle is illegal throughout Washington.
Washington was the first state in the country to ban texting over a decade ago. Since then, the state has furthered restrictions beyond texting to prohibit the use of any kind of hand-held devices, including texting, scrolling, and talking. The penalty for breaking this law starts with a $136.
SR-22 Insurance in Washington
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Washington on your behalf. Washington’s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, a moving violation, or other serious offense, you may be required to file for SR-22.
In Washington, many insurance companies offer to file an SR-22 on your behalf, including Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Hallmark, National General, PEMCO, Progressive, Safeco, Stillwater, The General, and Titan.
Washington Auto Insurance FAQs
Do I need non-owner insurance in Washington?
Non-owner auto insurance provides coverage to people driving cars registered to someone else. If you don't own your own car and are borrowing someone else's vehicle, non-owners insurance provides liability coverage for property damage and injuries, uninsured/underinsured motorist protection. Non-owners insurance does not, however, cover damage to a car you've borrowed or injuries sustained in an accident. You may need non-owner car insurance if you need an SR-22 form filed on your behalf, if you need car insurance to get a driver's license, if you use car-sharing services or rent frequently, want to maintain continuous auto insurance coverage (which may save you money in the long-run), or if you borrow cars frequently.
What happens if I get caught driving uninsured in Washington?
You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance may result in a $450 fine, and/or a misdemeanor charge. Plus, your licence or driving privileges may be suspended if you do not meet the minimum requirements mandated by Washington state law.
Who has the cheapest car insurance in Washington?
The best way to get the cheapest car insurance in Washington and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Click here to find the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Washington
The state of Washington offers many green driver incentives, test exemptions, tax incentives, and insurance discounts.
Federal tax discounts and credits may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, and alternative fuel vehicles.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle– good for your wallet and the planet.
Washington DMV Information
The Washington State Department of Licensing (DOL) has outposts in all 39 counties throughout the state.
At the DOL, Washington residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. Many services are available online and via U.S. Mail for convenience. Unfortunately, the Washington DOL only offers appointments for licensing tests. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours.
Regardless of where you live in the Evergreen State, a DOL shouldn’t be too far. Washington residents may be able to skip their visit to the DOL altogether and get what they need through their online portal.
Washington drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Seattle to Spokane, Washingtonian drivers deserve to find the cheapest car insurance available.
Compare Washington car insurance companies today on Insurify.
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