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How Much are Auto Insurance Quotes in Washington?

Enter your Washington zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, especially when looking for the best car insurance in Washington. Because it’s so expensive, let’s teach you some things the can have a considerable influence on auto insurance rates, and figure out some ideas to slash the price of your next policy.

Finding dependable, low-cost car insurance is tough enough, and finding out which companies offer the best insurance rates in Washington calls for a bit more work.

Each auto insurance company has a unique formula for determining rates, so first we will examine the insurance companies that tend to have lower prices in Washington. We do need to point out that Washington insurance rates are impacted by many things which can substantially decrease or increase the price of your policy. This price fluctuation is why it is crucial to do a thorough rate comparison to get the most economical car insurance rates in Washington. Rates are calculated by many different factors and can decrease or increase without notice, so the cheapest option the last time you shopped around may now be priced much higher than other options.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest Washington auto insurance companies
Rank Company Cost Per Year
1 Capital $784
2 Grange $813
3 Nationwide $961
4 PEMCO $1,004
5 Travelers $1,008
6 Mutual Enumclaw $1,023
7 USAA $1,050
8 The Hartford $1,090
9 California Casualty $1,116
10 Chubb $1,116
11 Allied $1,131
12 State Farm $1,141
13 American Family $1,172
14 Amica $1,206
15 Safeco $1,216
16 Liberty Mutual $1,309
17 Farmers $1,329
18 National General $1,495
19 Progressive $1,510
20 MetLife $1,631
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Capital normally has some of the most affordable car insurance rates in Washington at around $784 each year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the more affordable Washington car insurance companies.

As the example above demonstrates, if you currently have coverage with Nationwide and switched to Capital, you could earn an annual premium reduction of roughly $177. Policyholders with PEMCO might save as much as $220 a year, and Travelers policyholders might lower prices by up to $224 a year.

If you want to see how much you could save, click here to get a free quote or visit any of the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those premium estimates are averaged across all insureds and vehicles and and are not figured with a price decrease in Washington. So the company that can offer you the best price may not even be included in the above list. That illustrates why you need to quote rates from many companies using your own driver information and specific vehicle type.

We all like different vehicles, and the type of vehicle you are seeking coverage for is one of the biggest factors when trying to find low-priced insurance in Washington. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer models.

The information below showcases car insurance costs for a number of the most budget-friendly vehicles to buy coverage for.

Insurance Rates for Popular Cars in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $892 $446 $74
Ford Focus S 4-Dr Sedan $868 $434 $72
Ford Fusion SEL AWD 4-Dr Sedan $1,046 $523 $87
Honda Accord EX-L 2-Dr Coupe $1,022 $511 $85
Honda Civic EX-L 2-Dr Coupe $1,102 $551 $92
Hyundai Elantra SE 4-Dr Sedan $946 $473 $79
Hyundai Sonata GLS 4-Dr Sedan $946 $473 $79
Toyota Camry SE $946 $473 $79
Volkswagen Jetta 2.0T Station Wagon $908 $454 $76
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in vehicle location which can revise auto insurance rates greatly.

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Auto Insurance Rates for Popular SUVs and Crossovers in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX 2WD $832 $416 $69
BMW X5 3.0I AWD $992 $496 $83
Chevrolet Suburban LS 4WD $914 $457 $76
Chevrolet Traverse LS 2WD $778 $389 $65
Ford Escape XLS 4WD $754 $377 $63
Ford Expedition Limited 4WD $932 $466 $78
Ford Explorer Eddie Bauer AWD $914 $457 $76
GMC Acadia SL 2WD $814 $407 $68
Honda CR-V EX-L 2WD $778 $389 $65
Honda Pilot EX-L 2WD $914 $457 $76
Jeep Grand Cherokee Limited 4WD $968 $484 $81
Subaru Forester X Premium AWD $854 $427 $71
Toyota 4Runner Sport 4WD $854 $427 $71
Toyota Highlander SE 4WD $992 $496 $83
Toyota RAV4 Sport 4WD $892 $446 $74
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.

Insurance Rates for Popular Pickup Trucks in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,014 $507 $85
Chevrolet Silverado LS Crew Cab 2WD $1,022 $511 $85
Dodge Ram 3500 Crew Cab Laramie 2WD $1,068 $534 $89
Dodge Ram Quad Cab TRX4 Off Road 2WD $968 $484 $81
Ford F-150 XL Regular Cab 2WD $760 $380 $63
GMC Sierra 2500HD SLT Crew Cab 2WD $1,100 $550 $92
GMC Sierra 3500HD SLE Crew Cab 2WD $992 $496 $83
GMC Sierra Denali Crew Cab 4WD $1,046 $523 $87
Toyota Tacoma 2WD $868 $434 $72
Toyota Tundra Limited Crew MAX 4WD $1,046 $523 $87
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in specific location which can decrease or increase premiums considerably.

Price comparison of only insuring for liability

Finding cheap auto insurance quotes in Washington should be important to the majority of vehicle owners, and one great way to buy cheap insurance is to not pay for full coverage. The illustration below visualizes the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The data is based on no violations or claims, $500 deductibles, marital status is single, and no other discounts are factored in.

As an average, comp and collision coverage costs an extra $1,858 per year over and above liability coverage. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no set guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

The chart below shows how choosing a deductible can affect insurance rates when searching for cheap insurance in Washington. The information is based on a single male driver, full physical damage coverage, and no discounts are factored in.

A 30-year-old driver could pocket $326 a year by increasing from a $100 deductible up to a $500 deductible, or save $490 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could save as much as $956 or even more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Responsible drivers pay cheaper Washington insurance rates

The common sense way to snag cheap auto insurance quotes in Washington is to drive attentively and avoid at-fault accidents and violations. The chart below illustrates how traffic citations and fender-benders can affect auto insurance costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of auto insurance in Washington per year with no accidents or violations is $1,767. Get one speeding ticket and the average cost increases to $2,005, an increase of $238 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance in Washington goes up to an average of $4,149. That’s an increase of $2,382, or $198 per month, just for being a careless driver!

Your cheap policy may actually be overpriced

Washington insurance rates are determined by lots of factors that control the price you pay for coverage. Simply turning a year older, filing a claim, or getting into an accident may generate price changes that can cause some rates to be affordable when they were higher priced. Not only may your situation change, but car insurance companies change the rates they charge in Washington without warning to reflect underwriting profits or losses. A period of increased losses may result in more expensive prices, while lower claim expenses can produce cheaper Washington car insurance rates.

For instance, the data below demonstrates which company has the cheapest car insurance in Washington for a 45-year-old male driver with a good driving record, no prior claims, and good credit. When quoting prices based on his current rating profile, Capital may have the cheapest car insurance rates in Washington at $754 annually. This is $658 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers round out the rest of the top five cheapest Washington auto insurance companies.

The next chart shows rates after we give the driver from the first example a couple of claims, poor credit, and a few blemishes on his driving record. Since every car insurance company has a proprietary method to set premium rates, comparing quotes could result in a slightly different list of the cheapest companies as shown below.

USAA now has the lowest price in Washington with Mutual Enumclaw, California Casualty, Grange, and Chubb also having competitive pricing. This example shows why it is crucial to perform a complete rate comparison when trying to get cheap insurance rates in Washington.

Car insurance prices can be altered by many factors and change dramatically, so the best company the last time you shopped around may now be costing you a lot of money.

Use our FREE quote tool to compare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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