Best Car Insurance for Drivers With
Bad Credit in Washington

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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
Average Monthly Cost
$216
Excellent
$236
Good
$240
Average
$256
Poor
Credit Tier

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.

$230
Avg. Monthly Cost - for Drivers with Good Credit
$256
Avg. Monthly Cost - for Drivers with Bad Credit
$26 Monthly Impact of Bad Credit on Rates
11.30% Percent Bad Credit Impact Rates

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.

Best Car Insurance Companies for Bad Credit in Washington

Nationwide, National General, The General, and Travelers provide the cheapest average rates to low-credit drivers in Washington. If you're a high-risk driver in other ways (e.g., a poor driving record), Kemper and Dairyland have been praised for providing affordable rates to these drivers.

CarrierAvg. 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

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 TierAvg. 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.

CityCredit TierAvg. Monthly Cost
SpokanePoor$130
TacomaPoor$156
VancouverPoor$109
BellevuePoor$129
SeattlePoor$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.