Best Auto Insurance Rates in Redmond, Washington

On average, your neighbors pay $73 a month.

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Wednesday, November 7 2018 By Shantae Young

In 1939, Redmond, Washington, held the first Redmond Bicycle Derby. This event helped solidify the scenic city’s slogan as the "Bicycle Capital of the Northwest." As you might assume, residents here have access to a number of biking trails.

Not a cyclist? Cars are acceptable forms of transportation too. Unfortunately, Redmond isn’t the region’s “Cheapest Auto Rates Capital.”

Average Redmond Car Insurance Rates

How much is car insurance in Redmond, WA? Rates here can get pretty expensive with may drivers paying much more 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 several factors including: your driving record, age, gender, type of car, policy limits, and the 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 Redmond residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Redmond, Washington and save up to 40% on your premium.

In fact, last year 886 people used QuoteWizard to compare auto insurance quotes in Redmond, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Redmond, WA

This is our list of the most common car insurance companies reported by QuoteWizard users who live in Redmond, Washington last year. Of the 886 drivers who used QuoteWizard to find rates, only 28 were not insured.

  1. State Farm
  2. GEICO
  3. Allstate
  4. Progressive
  5. Farmers
  6. Liberty Mutual
  7. Nationwide
  8. AAA
  9. USAA
  10. American Family
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Redmond

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

  1. Toyota Prius
  2. Honda Accord EX/LX/DX
  3. Toyota Camry LE/XLE/SE
  4. Honda Civic LX
  5. Honda CR-V EX/LX/EX-L
  6. Ford Mustang
  7. Toyota Corolla Base
  8. Subaru Outback 2.5I Premium
  9. Honda Odyssey EXL
  10. Subaru Legacy Outback AWD
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Minimum Auto Insurance Requirements in Redmond, WA

Redmond, 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.

Redmond drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Redmond's climate does a good job of accommodating the city’s many cyclists. For starters, it experiences an average of 155 sunny days each year. In addition, in its hottest month, the temperature tops out around 80 degrees. Overall, summers here are warm and dry. Winters are mild. It rarely snows, with the average annual snowfall being three inches. It rains quite a bit, though. Redmond sees about 35 inches of rainfall during any given year.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roads here are in poor condition. The poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

At the moment, Redmond has a Pavement Condition Index (PCI) of 75. That’s a good thing; however, the number has steadily declined for the past 13 years. Want to help keep your city’s roads in good condition? Contact Street Operations.

Traffic Congestion

Traffic in your city or town can have a huge impact on your car insurance rates. In an attempt to alleviate traffic congestion, WSDOT opened some new express toll lanes last September. Unfortunately, they have only added to the traffic congestion of I-405, which is used by many Redmond residents.  

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

The King County District Court’s citations and tickets page allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

In 2012, the Redmond Police Department issued 7,622 citations, including traffic and parking citations. That’s a 20 percent drop from the 9,129 citations issued in 2011.

DUI Arrests

Redmond Police arrested 32 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Redmond DUI insurance.

Traffic Fatalities

Redmond officials reported 1,008 traffic collisions in 2016. 222 of these accidents resulted in minor injuries. Seven of them resulted in at least one serious injury. Four of the collisions resulted in fatalities.

Vehicle Theft Rates

Redmond reported 83 motor vehicle thefts in 2016. That's a rate of 1.4 thefts per 1,000 residents, much lower than the national average of 2.20 per 1,000 people.

Car Insurance Discounts in Redmond

Are you looking for affordable car insurance coverage? Discounts are one of the best ways to lower your insurance rates. Below are only some of the auto insurance discounts available to drivers in Redmond, WA depending on your insurer. Get a free quote to find out which discounts you may qualify for.

  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 15% off your premium
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  8. Drive less by living closer to work to get the low mileage discount
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Redmond car insurance quotes and discover all the discounts you've been missing out on

Sources:

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