Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Washington: Best Companies & Quotes
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Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in Washington
- Mutual of Enumclaw
- State Farm
- American Family
|Mutual of Enumclaw||Progressive||State Farm||American Family||Farmers||Geico|
|AM Best Financial Strength Rating||A-||A+||A++||A||A-||A++|
|JD Power 2019 Overall Customer Satisfaction score||Not Rated||3/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$527||$529||$575||$731||$1,015||$688|
|Consumer Reports Reader Score||N/A||75||78||89||72||78|
Auto Insurance Statistics in Washington
In recent years, the average car insurance premium continues to increase but is now below the national average.
Top 10 Cheapest Car Insurance Companies in Washington
|Rank||Company Name||Avg. Annual Premium|
|7||Capital Insurance Group||$1,259|
Drunk Driving Fatalities
Drinking and driving in Washington state has been at a rate that is above the national average for the past few years except for a decline in 2015. This indicates that the rate of drunk drivers is much higher in Washington than in many other states across the country. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Washington vs. nationwide.
Drunk driving fatalities in Washington from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Washington was at 30.8% in 2017. This indicates that the rate of teen drinking and driving is substantially higher than in other areas around the country. The below statistics compare the percentage of Washington drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Washington vs. Nationwide (2017)
SR-22 Insurance in Washington
One of the hardest parts about getting your license back after a suspension is proving that you're financially viable. Many US states, including Washington, make their drivers prove they have enough coverage to drive again before reinstating a license. This is done via SR-22 insurance policies, which provide direct documentation to your DMV to prove that you have a basic level of coverage.
Each state has different requirements for coverage. Washington is currently quite similar to many states around the country. You will need $10,000 of property damage coverage, $25,000 of per personal bodily injury coverage, and $50,000 of per accident bodily injury coverage. You can also ask your insurance provider for the most up to date coverage levels.
Car Theft in Washington
In Washington, the rate of car theft has been almost double that of the national rate of vehicular thefts over the past few years. By learning about the rate of car thefts in Washington, drivers can learn which types of insurance they need to have. With comprehensive insurance coverage, you will be protected for the full amount of your vehicle in the event of automobile theft.
Vehicle Thefts by rank Nationwide vs. Washington
Uninsured Motorists in Washington
Driving without insurance can cause a driver to have to pay a hefty sum out of pocket in the event of an accident. If you are ever in an accident with another driver who is uninsured or underinsured, it helps to have your own insurance to cover property damage and medical bills. This type of insurance is called uninsured and underinsured motorist coverage. The below data shows how well Washington ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
With owning a vehicle comes the responsibility of having it insured. According to Washington law, all drivers must have the following minimum insurance on their vehicles:
- $25,000: For injury or death inflicted upon others during an accident.
- $50,000: For injury or death to all people from a given accident.
- $10,000: For damage or destruction of another person's property during an accident.
- $60,000: Minimum liability bond required.
Fortunately, auto insurance in Washington tends to be pretty inexpensive compared to the rest of the country. On average, the state's residents pay $534 to have their vehicles insured. Of course, depending on the location and the company, you can end up paying significantly more or less than that amount. To make the process simpler, we've compiled a list of the cheapest auto insurance companies for each of Washington's five biggest cities:
Seattle, the state's most populous city, is known for a host of different reasons. The music scene here is legendary. Widely considered the birthplace of grunge music, it's spawned a wide range of successful artists. Nirvana, Pearl Jam, Soundgarden, and Alice and Chains are just a few notable bands who call this city home.
For auto insurance rates, Seattle is the most expensive city in the state. People living here pay an average of $622 per year for their vehicles to be insured. For those willing to check out all the options available, there are savings to be had. Grange, for example, offers average rates of $366 per year. Here are the other cheapest insurance companies for Seattle:
- State Farm
- The Hartford
Located near the Rocky Mountain foothills, Spokane is Washington's second largest city. It features some beautiful architecture, particularly in the downtown where you can find Romanesque Revival buildings. For early settlers, it was an important trading post.
Auto insurance here is a bit cheaper than the state average, with residents paying around $455 per year. The following companies offer additional savings, led by Amica, with rates as low as $300 per year:
- State Farm
- California Casualty
Washington's third biggest city, Tacoma is named after nearby Mount Rainier, which was originally called Takhoma. It was once known as the “City of Destiny”, because it was chosen as the endpoint for the Northern Pacific Railroad during the late 1800's.
Auto insurance here is pricey compared to the rest of the state, with the average plan costing about $600 annually. Companies like Amica, Farmers, and Chubb offer cheaper auto insurance options for this location:
- State Farm
Situated on the northern bank of the Columbia River, Vancouver is Washington's fourth largest city. Once a place for fur trading and timber harvesting, the city's biggest employers are now the PeaceHealth Southwest Medical Center, followed by the local public school systems. Auto insurance here is reasonable with average rates of $512 per year, just below the state's average:
- State Farm
Bellevue is Washington's fifth largest city. Along with its neighbor, Redmond, it serves as one of the state's major technology hubs, headquartering a number of tech companies. Auto insurance rates are around the state average, at $529 per year. You can find the best deals in the area with these companies:
- State Farm
- California Casualty
Types of Auto Insurance Coverage in Washington:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver Requirements in Washington
According to the Washington State Department of Motor Vehicles (DMV), each new driver is required to practice their driving skills before obtaining a standard driver license.
Any applicants for a regular driver license who are enrolled in an approved driver education course can get their permit at the age of 15. However, applicants who have yet to be enrolled in a course can obtain their permit when they are 15 years and 6 months.
A holder of an Instruction Permit can drive as long as they are with a licensed driver who has already had their license for at least the past 5 years.
Source: Washington Department of Motor Vehicles (DMV)
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, we know you want to save on the cost of car insurance in Washington State and we are dedicated to helping you do just that. Count on us to provide the best ways for you to save on your car insurance premiums such as with auto insurance discounts. Browse the list of auto insurance discounts below to find some of the auto insurance discounts you can use to save as much as possible on the cost of car insurance in the state of Washington.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in Washington
In this section, you will find general questions regarding auto insurance in Washington state.
What are the laws in Washington state regarding car insurance?
How long do I have to get car insurance after buying a car in Washington?
In Washington state, how long do you have before you need to put car insurance on a car?
How to get car insurance in Washington?
How many days do you have to get insurance after buying a new car in Washington state?
Who needs to pay auto insurance in Washington state?
What was the car insurance increase in Washington state?
How to proceed in Washington where you didn’t get another driver’s insurance info during an accident?
What do I need to show the DMV in Washington State proof of insurance when buying a car?
When did Washington start using credit score for car insurance?
How to find your auto insurance claim records for insurance in Washington?
What to do in Washington state when your insurance offer you too little for your totaled car?
When buying my first car, when do I have to get insurance in Washington state?
How does personal car insurance work if you are a delivery driver in the state of Washington?
What age in Washington state do you have to be to own a car in your name and car insurance in your name?
How to get temporary car insurance in Washington?
When did car insurance become mandatory in Washington state?
How long do you have to get car insurance in the state of Washington?
How long do accidents after your car insurance in Washington state?
How to report car insurance fraud in Washington state?
When is SR22 insurance required in Washington?
Auto Insurance Rates in Washington
In this frequently asked question section, you will find questions pertaining to auto insurance rates in Washington.
How much is car insurance in Washington?
What is the cheapest car insurance in Washington state?
Why is car insurance so expensive in Washington?
What is the average auto car insurance bill in Washington state?
How does auto insurance work in Washington state when you borrow a car?
How much does car insurance cost in Washington for a 22 year old?
How much is car insurance in Washington per month?
How much is car insurance in Washington for an 18 year old?
How much is full coverage car insurance in Washington state?
How much does the insurance cost for a week on a rental car in Washington state?
How will unlawful speed affect car insurance rate in Washington state?
What car insurance is cheapest in Washington state?
What car insurance discount can I get if I drive less than 25 miles a day in Washington?
How much is car insurance for a teenager in Washington state?
How long does car insurance rates increase after an accident in Washington?
Auto Insurance Companies in Washington
This section covers basic questions regarding auto insurance companies in Washington.
How to shop for auto insurance rates from Washington state auto insurance companies?
Who is the best car insurance company in Washington state?
Auto Insurance Coverage in Washington
In this frequently asked question section, you will find general questions pertaining to auto insurance coverage in Washington state.
If you have an old car, what type of car insurance do you need in Washington state?
What car insurance covers Lyft drivers in Washington state?
In Washington state, does my teen need car insurance when they have their learner’s permit?
What insurance do I legally need to have in the state of Washington when financing a car?
What are the insurance requirements when leasing a car in Washington?
What is included in full coverage car insurance in Washington state?
What should I carry for high risk car insurance coverage in Washington state?
What are full coverage auto insurance limits in Washington?
Lack of Insurance in Washington
In this section, you will find general questions regarding the lack of insurance in Washington state.