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Washington Car Insurance for High Risk Drivers (With Quotes)

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Jeanette Wisniewski
Written by
Jeanette Wisniewski
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Written by
Jeanette Wisniewski
Insurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Washington (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers 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.
Travelers$183
Nationwide$187
National General$219
Bluefire Insurance$231
Safeco Insurance$232
Direct Auto$232
The General$250
Midvale Home & Auto$250
American Family Insurance$251
Liberty Mutual$281

What Makes a Driver High-Risk in Washington?

While all of us have made a driving mistake at one time or another, high-risk drivers don't seem to learn. Speeding, reckless driving, and driving while intoxicated are all considered high-risk driving behaviors. High-risk motorists pay more for their insurance than any other driver. Why?

Because of their behavior behind the wheel, high-risk drivers are expected to make a claim. Insurance companies get their money back up front with higher rates.

Washington Car Insurance Rates for High-Risk Drivers

No Violation
$229
Reckless Driving
$243
Speeding Ticket
$259
Failure to Stop
$278
At-Fault Accident
$285

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Washington?

Rates go up tremendously for those who exhibit high-risk behavior on the road. If that's you now, comparing rates from multiple insurance companies can help save you hundreds of dollars over the next few years.

Having an at-fault accident impacts insurance rates more than any other listed high-risk behavior in Washington, pushing monthly insurance premiums up by $56. Speeding or blowing through a stop sign doesn't help rates either. Costs increase by $30 and $49, respectively.

Driving HistoryAvg. 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.
No Violation$229
Speeding Ticket$259
At-Fault Accident$285
Reckless Driving$243
Failure to Stop$278

How Much Does a Speeding Ticket Impact Car Insurance Rates in Washington?

Think twice about speeding in Washington. With a ticket like this on your records, you'll pay an average of $259 a month for insurance. While $30 more monthly doesn't seem like a lot, it grows into $1,800 in unnecessary car insurance costs over five years.

No Violation - Avg. Monthly Rate
$229
Speeding ticket - Avg. Monthly Rate
$259
$30 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Washington?

Washington motorists will feel the impact on their wallets after an at-fault accident. Drivers with this violation shell out $56 more per month in insurance than they did before the accident.

No Violation - Avg. Monthly Rate
$229
Speeding ticket - Avg. Monthly Rate
$285
$56 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Washington?

Red-light-runners risk more than just a ticket in Washington. If they're lucky enough to make it through the light without causing an accident, these drivers will still pay a ticket and see their insurance rates go up by $49 a month.

No Violation - Avg. Monthly Rate
$229
Speeding ticket - Avg. Monthly Rate
$278
$49 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Washington?

While all of us have made a driving mistake at one time or another, high-risk drivers don't seem to learn. Speeding, reckless driving, and driving while intoxicated are all considered high-risk driving behaviors. High-risk motorists pay more for their insurance than any other driver. Why?

Because of their behavior behind the wheel, high-risk drivers are expected to make a claim. Insurance companies get their money back up front with higher rates.

Tips for Researching High-Risk Washington Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Washington draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

Top Auto Insurance Companies

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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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Jeanette Wisniewski
Written by
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.