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Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X The average annual cost of car insurance in Washington is $1,176 for full coverage and $463 for minimum coverage. However, there are many factors that influence what you pay for besides your state’s coverage requirements. Some of these variables include age, driving history, ZIP code, and , meaning your premium is highly-personalized and will vary from the averages provided below. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Washington
Everyone will be quoted a unique premium because every driver is in a different situation. effectively look at the variables that represent your risk to determine what you will pay for car insurance. Risk variables or other factors that may contribute to Washington car insurance rates can include: Age Gender Driving history/past violations Type of coverage Deductible amount ZIP code Car make and model Currently, the average annual car insurance rates in Washington are $463 for minimum coverage and $1,176 for full coverage. , which may be more or less than the national average. The national average for car insurance is $565 and $1,674, meaning Washington is quite a bit cheaper, on average, compared to other states. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Washington car insurance rates by company
The following table shows just how different rates can be between car insurance providers. Often, well-known and industry-dominant companies (by market share) are the , but sometimes smaller companies can offer more competitive, local rates. To find for you, comparison-shopping is recommended. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $560 $1,384 $440 $1,371 Capital $500 $1,193 $456 $1,421 $359 $912 $405 $1,211 $930 $2,191 Mutual of Enumclaw $386 $915 $355 $825 PEMCO $314 $952 $376 $974 $404 $951 $438 $876 $292 $818 Washington car insurance rates by city
How much is in Washington? The following rates show the top 20 cities in Washington based by population. You will notice that some ZIP codes pay more, while others see lower rates compared to the state average. City Average annual premium for full coverage % difference from state average annual premium Seattle $1,397 19% Spokane $1,149 -2% Tacoma $1,428 21% Vancouver $1,211 3% Olympia $1,137 -3% Everett $1,269 8% Bellevue $1,251 6% Yakima $1,071 -9% Bellingham $1,023 -13% Renton $1,358 15% Kent $1,380 17% Federal Way $1,422 21% Spokane Valley $1,117 -5% Kennewick $1,033 -12% Marysville $1,247 6% Auburn $1,410 20% Bremerton $1,078 -8% Pasco $1,041 -12% Lakewood $1,388 18% Redmond $1,244 6% Washington car insurance rates by age
Washington car insurance rates are most heavily influenced by age. Drivers will typically see the highest rates at age 18 (when on their own policy), and then a consistent decline till rates flatten a bit at around age 25. Car insurance companies generally charge young drivers more because they have less experience behind the wheel and are more likely to get into an accident. Age Average annual premium in Washington Age 16* $1,935 Age 18 $4,321 Age 20 $3,029 Age 25 $1,544 Age 30 $1,301 Age 40 $1,248 Age 50 $1,133 Age 60 $1,095 Age 70 $1,256 *16 year old calculated on parent's policy disclosure Washington car insurance rates by driving record
As with any other state, Washington auto insurance rates are strongly impacted by driving history. If you get into an accident, receive a speeding ticket or are convicted of a DUI, you are more likely going to pay higher car insurance premiums. The rates below show the average increase most drivers will see after a single offense in each category. If you become a repeat offender, the increase will typically be much higher. Driving incident Average annual full coverage premium in Washington % increase of average annual premium Speeding ticket $1,377 17% Accident $1,784 56% DUI $2,233 90% How to save on car insurance in Washington
Car insurance rates in Washington are affected positively in a few ways. It is possible in most cases to lower your premium by implementing changes or practices such as these. Shop around: Car insurance companies are not all the same in how rates are determined; . Comparing provider quotes is the most effective way to find the cheapest rates for your situation. Compare discounts: While you are rate shopping, look at discounts offered by each company and determine which you may qualify for. The tricky part is figuring out just how much you will save with each. To determine this, you may need to speak with an agent. Increase deductible: You can save money by increasing your deductible, although the savings will vary based on what type of coverage the deductible applies to. The drawback is that if you are in an accident, you will receive less of a payout, which means it is best to be financially prepared in the event of a claim. Drive an older car: A new car costs more to repair and replace, which means you may save on your insurance bill by driving an older car. Frequently asked questions
Your premium is likely different from the state average. However, 2021 quoted premiums indicate Washington drivers pay around: $38.58 a month for minimum coverage (based on an annual premium of $463) $98 a month for full coverage (based on an annual premium of $1,176)
may have benefits worth the effort of switching, which is usually not too difficult. Contacting agents and scheduling your policy dates to avoid a lapse in coverage is the most important aspect to account for.
Determining the is going to depend on what you need for your specific situation. Are you looking for the cheapest provider, the best customer service or the most coverage options? J.D. Power and AM Best ratings can help provide insight into which providers may be best for you. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Lauren Ward Insurance Contributor Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. Rebekah has worked in the insurance space for over a year with homeowners dealing with claim resolution after large scale losses in widely affected areas. Although her expertise is primarily centered around Property & Casualty claims, she has worked with compliance and industry experts on auto, life, home and renters insurance content since January 2020. In her down time, Rebekah enjoys staying active, learning about investing, and studying everything related to psychology. She is also currently working to finish her bachelor’s degree in Business Management through Western Governors University.