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Washington Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

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.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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

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 TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$216
Good$236
Average$240
Poor$256

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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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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.

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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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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Mark Steinbach
Mark Steinbach

Insurance Writer

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.

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