searching for cheap car insurance in WA (2022)??
The State of Washington is a state in the Pacific Northwest region of the Western United States with a total area of 1,84,827 square kilometres and over 1,67,000 miles of road. With that, you need to be assured of auto insurance costs in Washington that are based on different variables.
All drivers and riders must find top insurance quotes to drive along the lanes of Washington with the best value insurance for their vehicle.
In this article, we will explore the top cheapest car insurance companies in Washington and also discover minimum limits, coverages, penalties, and tips on finding the right car insurance. So, let’s get started…
First, let’s explore some basics of auto insurance in Washington state.
Minimum Limits for Cheap Car Insurance in WA
There are few options available for automobile coverage and insurance in Washington State. If you wish to get proper auto insurance for your vehicle and meet the requirement of the Washington State insurance policy then you need to opt for an auto insurance policy through a licensed company.
If you choose the option to implement auto insurance to your vehicle through a licensed insurance company then you must compulsorily maintain the minimum coverage limits that are represented in the table below.
| Liability Coverage | Minimum Coverage Limits |
| Bodily Injury Per Person | $25,000 |
| Bodily Injury Per Accident | $50,000 |
| Property Damage | $10,000 |
The limits shown in the above table are often presented as 25/50/10. As per the policy of the state, if your coverage limit is at the lowest level, you need to be in accordance with WA car insurance requirements. Besides, if you can’t bear or afford the costs after an accident then, you need to consider higher limits.
The majority of insurance companies recommend you to choose high coverage limit if you are financially strong to do so. This is because you will be responsible for paying the amount out of your pocket if the damages caused by an accident exceeds your car insurance policy coverage limits.
Want Optional coverages for cheap car insurance in WA?
The insurance policy in Washington state requires liability insurance mandatorily. The liability coverage or liability insurance helps pay for the costs of the driver’s property and medical injuries if you are ‘at fault’ during a road accident. The insurance company will pay for the property damage and medical injuries up to the covered limit as we discussed above.
However, you can also get additional protection like physical damage, personal injury protection, uninsured motorist coverage, and so on.
Personal Injury Protection (PIP) Coverage
The Personal Injury Protection (PIP) Coverage will help pay for your personal medical expenses after an accident regardless of who was at fault. This coverage is also known as no-fault insurance. Depending upon the states where you live, the PIP coverage may be required mandatorily or maybe an optional choice.
In the case of Washington state, the PIP insurance coverage is optional that means you can decline or accept this coverage.
Physical Damage Coverage
The physical damage coverage includes collision and comprehensive insurance. The collision coverage will pay for any damage to your car resulting from a collision with another vehicle or object and also regardless of who was at fault.
On the other hand, comprehensive insurance covers the amount of damages to your car due to other factors instead of collisions like theft or a rock falling on your car.
Uninsured or Underinsured Motorist Coverage
This coverage helps pay for your damage and medical injuries in case of an accident with an uninsured or underinsured driver.
Penalties or Fines for Driving without car insurance in WA
The drivers with their vehicle in Washington State can be fined $500 or more if they drive without appropriate auto insurance coverage. In case of an accident, the situation gets worse if the driver causing the accident is driving without proper auto insurance coverage.
According to the Washington financial responsibility law, the uninsured or underinsured drivers are compulsorily required to pay for any collision damages, and medical injuries resulting from an accident. Sometimes, core decisions are made by the court.
The license of the uninsured or underinsured driver will be suspended for three years if he/she is unable to pay for the damages and medical injuries resulted from an accident.
Now that, you have learned some basics of auto insurance policy in Washington state. Moving forward, we will explore companies offering cheap car insurance in WA.
Companies offering cheap car insurance in WA
Auto insurance is mandatory if you live in Washington state and you already know the consequences of driving without your vehicle insurance. Having said that, you don’t need to worry or strain your budget because there are various companies offering cheap car insurance in WA.
Although there are lots of companies providing cheap car insurance in WA state, however, the companies listed in the table might be a good choice for you.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $292 | $818 |
| Pemco | $314 | $952 |
| Geico | $359 | $912 |
| Progressive | $376 | $974 |
| State Farm | $404 | $951 |
USAA
The USAA insurance company offers insurance, banking, investments, and retirement products to over 13 million members. This company is recognized for its excellent service, customer service, financial strength, claims to handle, and coverage options. It was founded in 1922 and is headquartered in San Antonio, TX.
The USAA membership is open for all who are serving or have received an Honorable discharge from the US military service, and their eligible family members. You need to definitely get a quote for USAA if you qualify for the coverage.
As per the USAA’s official website, the drivers switching from another insurance company save an average of $725. You can lower your insurance rate even more in case of discount conditions like insuring a new vehicle, being claims-free for at least five years, garaging a vehicle on a military base, and being a smart student.
Pemco
The Pemco company is a regional insurance provider serving in the Northwest United States and it is a mutual insurance company owned b the policyholders. ‘Public Employees Mutual Insurance Company’ is the full form of the acronym PEMCO.
The insurance provider primarily focuses on the unique needs of people in the Pacific Northwest region. There are local agents available for this company to help you with your car insurance need and requirements.
There are various discounts offered by the company for residents of Washington state. The cost of car insurance depends upon different factors like the type of car, your credit score, your location, driving history, and much more.
Reports from various review sites show that the average PEMCO car insurance rates for a single adult are much lower compared to the average cost of car insurance in Washington.
Geico
GEICO stands for Government Employees Insurance Company which specialized in providing insurance service to government employees and military personnel. However, the company now offers insurance services to the private sector also.
From the company’s official website, the total customers at the time of this writing are more than 17 million and the total number of vehicles insured is over 28 million. This is pretty huge, isn’t it?
GEICO is one of the top choices of drivers as it offers cheap and basic coverage without added endorsements. Liability, Collision, and comprehensive coverage are the areas the company offers standard auto insurance coverage on.
Though the insurance endorsement options are limited in Geico’s car insurance policy, the company offers various discounts to save your hard-earned budget. Proper discounts are provided to military members, federal employees, vehicles with safety features, and safe drivers.
Progressive
Progressive is another insurance company located in Washington state founded by Joseph Lewis and Jack Green. Their main motive was to provide vehicle owners with security and protection so, came up with the idea of an insurance company.
Progressive is known for offering a wide range of coverage options, online tools, and discount schemes. The company offers appealing discounts to provide cheap car insurance in WA.
Most of the drivers are pretty familiar with Progressive’s Snapshot safe driver program that allows drivers to get an individual discount fully based on their driving habits.
In addition, Progressive provides Name Your Price Tool to locate coverage options based on your personal price range.
State Farm
State Farm is another popular and large insurance company in the entire United States with over 16 percent of the total market share. It is a mutual company where policyholders are the primary focus.
The company today holds more than 58,000 employees and more than 19.000 independent contractor agents. As per the statistics from State Farm’s official website, there are over 83 million policies and accounts across the country.
State Farm might be a good choice for your vehicle insurance as it offers low average rates, various discount schemes, and good coverage options. With over 19k local agents you can manage your auto insurance easily across Washington state.
The company offers policies like Steer Clear for drivers under 25, Drive Safe and Save for adults, and two safe driver discount programs. Other discounts are provided to those being a good student, being accident-free, having a vehicle with certain safety features, and much more.
Now, we will explore cheap car insurance in WA for specific age group.
Cheap car insurance in WA for 20-year-old drivers
Young drivers are more prone to accidents as their experience level is low. Due to this reason, the car insurance costs for young drivers are more as compared to another age group with good experience in driving. So, drivers below 20 years need to research effectively to find out cheap and appropriate auto insurance companies.
The insurance cost reduces after young drivers start gaining experience however, they need to consider buying only state-mandated coverage rather than full coverage insurance.
Some insurance companies offer discount policies like good student discounts to let the young drivers save some amount. To meet this criterion, the young driver must have taken a defensive driving course.
The companies listed below in the table show some lowest average full coverage car insurance rates in Washington with clean driving records.
| Companies | Low Average Rates |
| CIG | $1,686 per year |
| Geico | $1,769 per year |
| Mutual of Enumclaw | $1,899 per year |
| Pemco | $1,938 per year |
| Travelers | $1,989 per year |
Another table below represents cheap minimum coverage car insurance in Washington state
| Companies | Low Average Rates |
| Pemco | $682 per year |
| Geico | $698 per year |
| California Casualty | $720 per year |
| CIG | $755 per year |
| Travelers | $775 per year |
Cheap car insurance in WA for 30-year-old drivers
Drivers can get more benefits from cheaper car insurance rates during their 30s rather than their 20s. This is due to the fact that the drivers reaching the age of 30 gain lots of experience and can maintain a safe driving individual record.
Drivers in their 30s can get various discount schemes from insurance companies and can lower rates. Drivers can merge their auto policy with their home insurance as well as save money by insuring multiple vehicles with the same carrier.
Teachers, military personnel, alumni of certain colleges get more reasonable insurance rates so, drivers in their 30s need to look for companies offering these schemes.
The list in the table below presents the full coverage cheap car insurance in WA for 30-year-olds.
| Companies | Low Average Rates |
| Geico | $898 per year |
| Oregon Mutual | $905 per year |
| Pemco | $1,004 per year |
| CIG | $1,103 per year |
| Progressive | $1,111 per year |
Likewise, the companies with the price listed in the following table represent the minimum cheap car insurance in WA for 30-year-olds.
| Companies | Low Average Rates |
| Pemco | $288 per year. |
| Geico | $329 per year |
| Oregon Mutual | $341 per year |
| Grange Insurance Association | $351 per year |
| Progressive | $387 per year |
Cheap car insurance in WA for 40-year-old drivers
The drivers in their 40s get better insurance rates than their younger counterparts. They need to research various companies to find out cheap car insurance quotes to dig out the lower rates.
Drivers with good safety records can go for a pay-per-mile insurance policy where the drivers are charged by how many miles they drive.
Besides, drivers in their 40s can ask for discounts, full payment rather than quarterly or monthly, and electronic statements. Drivers can get bundling discounts if the insurance company they choose offers home insurance along with auto insurance.
The following list depicts the cheapest full coverage car insurance in Washington for 40-year-olds.
| Companies | Low Average Rates |
| Oregon Mutual | $813 per year |
| Geico | $898 per year |
| Pemco | $982 per year |
| Progressive | $1,054 per year |
| Travelers | $1,087 per year |
Likewise, the companies with insurance cost listed in the following table represent cheapest minimum coverage car insurance for 40-year-olds.
| Companies | Low Average Rates |
| Pemco | $297 per year |
| Oregon Mutual | $313 per year |
| Geico | $329 per year |
| Grange Insurance Association | $351 per year |
| Progressive | $372 per year |
Cheap car insurance in WA for 50-year-old drivers
Drivers in their 50s enjoy cheaper auto insurance rates than most other age groups as they get enormous driving experience. The insurance cost reduces more as they near their 60s with more driving experience and safety record.
Drivers need to smartly research various rates of different companies as they may vary depending upon the driver’s gender and location.
The list below shows the cheapest full coverage car insurance in Washington for 50-year-old drivers.
| Companies | Low Average Rates |
| Geico | $775 per year. |
| Oregon Mutual | $802 per year |
| Mutual of Enumclaw | $947 per year |
| Progressive | $957 per year |
| Pemco | $972 per year |
Similarly, the following list represents the cheapest minimum coverage car insurance for 50-year-olds.
| Companies | Low Average Rates |
| Geico | $279 per year |
| Pemco | $297 per year |
| Oregon Mutual | $309 per year |
| Grange Insurance Association | $336 per year |
| Progressive | $343 per year |
Cheap car insurance in WA for 65-year-old drivers
The 65-year-old drivers get cheaper car insurance than other age groups however, the insurance cost starts increasing as the age increases beyond 65. That’s why drivers in their mid-60s must research well to find out appropriate insurance companies.
Some companies offer discounts for senior citizens who have taken a defensive driving course. So, drivers in their mid-60s can save some amount with this scheme.
The list below presents the cheapest full coverage car insurance in Washington for 65-year-old drivers.
| Companies | Low Average Rates |
| Geico | $742 per year |
| Oregon Mutual | $883 per year |
| Pemco | $1,012 per year |
| CIG | $1,013 per year |
| Progressive | $1,027 per year |
Likewise, the following table shows the cheapest minimum coverage car insurance for 65-year-olds.
| Companies | Low Average Rates |
| Geico | $256 per year |
| Pemco | $318 per year |
| Chubb | $352 per year. |
| Grange Insurance Association | $356 per year |
| Oregon Mutual | $360 per year |
Now that, we have learned a lot about the various insurance policies and companies. Moving on, we will try to present points on how to get cheap car insurance in Washington.
So, what you need to look for finding out cheap car insurance in WA?
Following are the points you need to consider while choosing insurance companies in Washington:
Conduct deep research
Before getting into the insurance company, you need to conduct deep research by finding out reviews, company profile, customer service, discount offers, the company’s financial strength, support, and much more.
Always look for discount schemes
Discount schemes are key for saving your money so, you need to look out for insurance companies that offer various discount schemes that you can take advantage of.
Acquire multiple quotes
Today, you can easily get quotes from multiple companies and compare them to find out the appropriate one. Also, you can search for quote comparison websites online and find out the cheapest insurance provider.
Enhance your credit score
Drivers with poor credit and safety records are prone to higher insurance costs so, you need to focus on raising your credit score to lower your insurance costs.
Choose full payment option
Paying your premium insurance costs in full may save some money rather than paying quarterly or monthly.
Frequently Asked Questions
Who has the cheapest auto insurance in Washington state?
Pemco Insurance, Geico, Progressive, StateFarm are some companies that offer the cheapest auto insurance in Washington State.
What is the cheapest place to get car insurance?
USAA: Cheapest company for military families.
Geico: Cheapest company for those with a poor credit history
StateFarm: Cheapest company after getting into an accident
