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Washington Car Insurance for Bad Credit Drivers
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Washington (2022)
For drivers with bad credit in Washington, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Washington. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Washington.
| Carrier | Avg. Monthly Cost |
|---|---|
| Nationwide | $179 |
| National General | $181 |
| The General | $182 |
| Travelers | $182 |
| Bluefire Insurance | $191 |
| Direct Auto | $194 |
| Midvale Home & Auto | $204 |
| American Family Insurance | $207 |
| Safeco Insurance | $209 |
| Bristol West | $247 |
Bad Credit Car Insurance in Washington
With major metropolitan cities and a beautiful natural landscape, Washington manages to be an economic hub and a can't-miss tourist destination. But whether you're driving to the Space Needle or Mount Rainier, you'll want affordable car insurance. Will a bad credit score get in the way of that plan?
Washington's auto insurers can assess your credit score when determining your car insurance rates. It's not the only factor that comes into play, so don't feel that you're doomed to astronomical rates if your credit score is low. If you stay safe on the roads and work on gradually improving your credit, you too can find car insurance that fits your budget.
Washington Car Insurance Rates for Bad Credit Drivers
Excellent$216
Good$236
Average$240
Poor$256
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Washington?
If you have bad credit in Washington, you'll pay about 11 percent more for car insurance than drivers with good credit. This is equal to about $26 per month—which certainly adds up over the course of a year.
Washington's average car insurance rates are already higher than most, so adding bad credit into the mix will only make car insurance more expensive. That's why it's so important to seek out a car insurance company that offers affordable policies to drivers with low credit scores.
Avg. Monthly Cost - for Drivers with Good Credit$230
Avg. Monthly Cost - for Drivers with Bad Credit$256
$26 ▴
11.30% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
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Can I Get Car Insurance With No Credit Check in Washington?
In Washington, car insurance companies are allowed to look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Washington.
But Washington's drivers still have options, even with a less-than-perfect credit score. Some smaller regional car insurance companies boast that they don't check credit—though keep in mind they might have higher prices to offset the risk of insuring bad-credit drivers. National insurance carriers like GEICO have also been praised for offering reasonable prices to bad-credit drivers.
Washington Car Insurance Rates by Credit Tier
In Washington, car insurance companies can weigh your credit score when determining your car insurance rates. So it's no wonder that those with poor credit pay the most, at $256 per month, while those with excellent credit pay a much more reasonable $216 per month.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $216 |
| Good | $236 |
| Average | $240 |
| Poor | $256 |
Car Insurance Rates With Bad Credit in Washington Cities
Location often plays a big role in determining how much of an impact bad credit will have on car insurance rates. As can be seen in Washington, the cost in a city like Seattle, where coverage is $113 per month, is much lower than it is in Tacoma, where rates average $156.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Spokane | Poor | $130 |
| Tacoma | Poor | $156 |
| Vancouver | Poor | $109 |
| Bellevue | Poor | $129 |
| Seattle | Poor | $113 |
Tips for Researching Bad Credit Washington Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Washington draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Washington Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Washington. 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.
The way to find the carrier with the best auto insurance ratings 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. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.