On average, your neighbors pay $73 a month.See Your Rates
Living in Washington gives you the best of going out on the town or out in the woods. We've put everything together here to make sure your auto insurance rates are ideal for both.
Learn how your rates compare to other state averages, how to save money on your car insurance, and more.
How much is car insurance in Washington State? Expect to pay a little less than other Americans. On average, auto insurance in Washington costs $884.24 a year. The national annual average cost is $889.01
Your actual premium cost will depend on factors such as your driving record, policy type, claim history, and others. The number of claims filed in your zip code can be a factor as well.
|Total Cost Per Year||$884.24|
|Price Per Month||$73.68|
The graph below shows the increase in Washington's average auto insurance rates from 2011 to 2015. According to the Insurance Information Institute, Washington's car insurance rates increased 9.7% in that five-year period.
When it comes to car insurance in Washington, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.
With QuoteWizard, you can compare quotes from top car insurance companies in Washington and discover the one best for you. All it takes is a few clicks, and you’ll have all the information and help you need.
Last year, 51,592 people used QuoteWizard to compare auto insurance quotes in Washington State from multiple companies and get the cheapest rates.
These are the most common car insurance companies reported by QuoteWizard users living in the state of Washington last year. Out of the 51,592 Washington drivers that used QuoteWizard to request insurance quotes last year, 10,213 had no car insurance.
These are the most popular vehicles owned by Washington State drivers requesting car insurance quotes through QuoteWizard last year.
If you have a below average driving record or a history of insurance claims, insurers might consider you high-risk. High-risk drivers are statistically more likely to file a claim or cause an accident. Because of this, insurance companies charge more to cover you. Some may even refuse to cover you.
If you're having a hard time getting a policy because of your driving record, you can find coverage through the Washington Automobile Insurance Plan. This program helps high-risk drivers get minimum insurance coverage.
If you're a high-risk driver, these insurers offer policies for you as well:
Teenage drivers pay more for auto insurance than any other age group. Due largely to inexperience, teens make more mistakes while driving.
On average, teens pay $438 a month for an individual auto policy. If a teen can get on their parent's policy, that amount can drop to $278. Good grades in school are a way to get a discount with most companies.
These companies offer great rates for teen drivers in Washington:
Washington's insurance rates reflect the number of people on its roads. Washington has the 15th highest number of licensed drivers in the country. But Washington ranks seventh in the nation for uninsured drivers, which unfortunately affects everyone's rates.
If you drive a car registered in Washington, you need to have a minimum coverage of 25/50/10. This means the policy you buy must have the following:
While minimum coverage is cheaper, it probably isn't your best option. The reason for this is that minimum coverage does not include comprehensive or collision. If you have minimum coverage and your accident exceeds your policy's terms, you can wind up paying a lot out-of-pocket.
Minimum coverage is there to pay damages to other people, their car, and their property. What it does not cover is you, your injuries, your vehicle, or your property. If you have an accident and all you have is minimum coverage, you must pay your own expenses.
Collision coverage is there to pay for damages to your car after an accident. Comprehensive coverage pays for damages when another car isn't involved in the accident. This includes natural disasters, falling trees and branches, theft, and vandalism. Washington weather brings wet, slick roads for the better part of the year, so collision and comprehensive coverage are good bets.
To cover your bases, we recommend that Washington drivers buy the following coverage:
If it's in your budget, buy comprehensive and collision coverage. Try to get a reasonable deductible. Also consider uninsured/underinsured coverage if possible. This covers the damage caused by drivers who have little or no insurance. Take a look at medical payment coverage and personal injury protection, which are great for covering medical expenses due to an accident.
As a driver in Washington, be prepared to show your insurance ID card to the police when asked. You will get the card from your insurer when you buy a policy. The card needs to include the following:
Washington residents with suspended licenses due to a DUI must show proof of financial responsibility. They must file an SR-22. It certifies that the driver has the minimum insurance state law requires.
Washington State Law requires drivers to keep an SR-22 in place for 36 months. If you fail to renew your policy 15 days before expiration, the insurer will notify the state. The state will then suspend your license until renewal of the SR-22.
SR-22s almost always lead to higher insurance rates.
If your car is damaged and the repair cost is greater than its value, your insurer will deem it a total loss. A total loss vehicle gets a salvage title. If it's repaired, it gets a rebuilt title.
Each state has their own law regarding totaled cars.
In Washington, total loss is calculated by a formula. Add the repair costs to the car's salvage value. If that amount is greater than the car's actual cash value, your insurer will consider it a total loss.
Buying insurance for a rebuilt or salvage vehicle in Washington is tricky. Some insurance companies won't cover such vehicles. Expect to pay higher rates if your car has a rebuilt or salvage title. Keep in mind that insuring a rebuilt or salvage title isn't always possible.
To counter accidents due to distracted drivers on the roads, Washington put forth the Hands-Free Law. The law makes talking or texting into a hand-held device while driving punishable with a $124 dollar fine. These citations can increase your insurance rates.
Driving in Washington with a Blood Alcohol Content (BAC) of 0.08 percent or higher is considered Driving While Intoxicated (DWI). The penalties for a first-time offense can include jail time or fines.
In any case, the state will suspend or revoke your driving privilege. The impact on your insurance rates are undeniable. You can expect to pay an average of $830 more a year for insurance after a DWI.
Car insurance rates tend to increase around the time a driver turns 65. Washington has no special requirements for senior drivers, but everyone must renew their license every five years.
In Washington you can drive a vehicle registered in another state, but it must have insurance required by that state. Be prepared to show proof of insurance to the police if asked.
Our nationwide study found Washington ranks fifth for worst drivers. This ranking is calculated from data on accidents, speeding tickets, DUI's, and citations occurring in Washington. If you live in an area with bad drivers, expect to pay more for insurance.
In 2016, there were 536 traffic fatalities in Washington, a 16 percent increase from 462 traffic fatalities in 2014.
Washington had 32,286 vehicle thefts reported in 2016. This is a 5.3 percent increase over the 30,647 vehicles reported stolen in 2014. According to the Insurance Information Institute, Washington ranked #4 in reported vehicle thefts.
Source: National Insurance Crime Bureau - Hot Wheels Report 2016
|3||1999||Ford Pickup (Full Size)|
|7||1997||Chevrolet Pickup (Full Size)|
|10||1994||Jeep Cherokee/Grand Cherokee|
If you're looking to save money on your car insurance, there are many auto discount options for Washington drivers:
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