Best Auto Insurance Rates in Issaquah, Washington

On average, your neighbors pay $73 a month.

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Compare Auto Insurance in Issaquah

Wednesday, November 7 2018 By Shantae Young

Average Issaquah Car Insurance Rates

How much is car insurance in Issaquah, WA? You won't be surprised to learn that rates here are expensive. Many local drivers pay much more for coverage than the state and national average. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices will vary depending on your driving history, age, type of car, and the total number of claims filed in your zip code.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Issaquah, Washington and save up to 40% on your premium.

After all, last year 434 people used QuoteWizard to compare auto insurance quotes in Issaquah, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Issaquah, WA

This is our list of the most common car insurance companies reported by QuoteWizard users in Issaquah, Washington last year.

  1. GEICO
  2. Allstate
  3. Progressive
  4. Farmers
  5. Liberty Mutual
  6. Safeco
  7. American Family
  8. AAA
  9. USAA
  10. AIG

Top 10 Vehicles

These are the most common car makes and models owned by Issaquah, WA drivers requesting quotes through QuoteWizard last year.

  1. Toyota Camry LE/XLE/SE/CE
  2. Toyota RAV4
  3. Ford Mustang
  4. Toyota Prius
  5. Honda Odyssey EX
  6. Honda Civic EX/LX/DX
  7. Ford Explorer
  8. Honda CR-V EX
  9. Honda Accord EX/DX
  10. Ford Ranger

Minimum Car Insurance Requirements in Issaquah, WA

Issaquah, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Weather

Like many other cities and towns in the Pacific Northwest, Issaquah has a Mediterranean climate. That means dry, warm summers and mild winters. Residents here enjoy around 154 sunny days each year and about 186 days of measureable precipitation. Issaquah receives an average of 10 inches of rainfall annually.

Traffic Congestion

Traffic in your city or town can have a huge effect on your car insurance rates. Most residents traveling to Seattle from Issaquah travel on I-90, which is no stranger to traffic delays during rush hours. Between 2012 and 2014, delays on I-90 between Seattle and Issaquah increased by 41 percent. Two of the most congested streets in Issaquah are Hobart Road SE and Tiger Mountain Rd SE. King County has been working on ways to alleviate this source of stress. For more information, check out the county’s report on the project here.

Moving Violations

Moving violations such as speeding tickets and accidents will add points to your driver's license. This is another way of saying that tickets go on your driving record. Insurance companies do not like seeing serious moving violations in your driving history. Once they discover them, they'll raise your rates.

Traffic Tickets

The Issaquah Municipal Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

DUI Arrests

Auburn Police arrested 20 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

Have you been convicted of a DUI and need to obtain an SR-22 form? Request a quote and we'll connect you with local insurance agents from top companies that specialize in Issaquah DUI insurance.

DWI Crashes and Injuries

Issaquah reported 16 crashes involving alcohol or drugs in 2018. These accidents caused nine injuries but no fatalities.

Car Accident Statistics

Issaquah officials reported 494 car crashes in 2018. These crashes resulted in 23 injuries, three of them serious.

Traffic Fatalities

Issaquah officials reported one traffic collision in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 37,487 Issaquah, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Issaquah investigated 103 motor vehicle thefts in 2017. That's a rate of 2.75 per 1,000 residents. The national average: 2.37 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? These are some of the many auto insurance discounts available to Issaquah, WA drivers. To find out which discounts you qualify for, get a free quote.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  3. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount

Sources:

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