Car Insurance Washington State Average Cost

Cheap Liability Auto Insurance


Affordable auto insurance on and off the road

An insurance policy is more than just car insurance. It's personalized help from agents who help keep you driving forward. Get a car insurance quote and begin saving on your insurance needs.

Coverage & Policies

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Discounts

Learn how you can save on car insurance by asking for discounts.

Claims

Get helpful information about filing an auto claim from your insurance agent.

Best Auto Insurance Washington State —


What is the average cost of car insurance in Washington?

Your auto insurance cost will depend on many different factors including the coverage you choose, your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Let us help you find the coverage you want at a price you can afford.

Get a free quote to see how much you could save.

Washington Accident News

 

Cheap Auto Insurance Washington State


What Car Insurance Coverages Are Required?

Washington state only requires Liability insurance. Car liability insurance pays for injuries and property damage you cause to others. A good rule of thumb is to buy enough liability insurance to cover what can be taken from you in a lawsuit.

Uninsured Motorist coverage (UM) is mandatory in some states but optional in Washington. Uninsured motorist insurance pays for you and your passengers’ medical bills and other expenses if someone crashes into you and they don’t have enough (or any) liability insurance.

Personal Injury Protection (PIP) is also equired in some states but not in Washington. This coverage will cover injury claims for you and your passengers up to the limits you chose.

Collision and Comprehensive insurance is usually required by the bank if you have a car loan or lease. They are two separate coverage types often sold together. Collision and comprehensive insurance pay for your vehicle repair bills due to problems such as car accidents, car theft, fires, floods, severe weather, falling objects, vandalism and collisions with animals.

Cheap Auto Insurance Washington State
Instant Auto Insurance Quote

Instant Auto Insurance Quote


How to compare car insurance quotes

To accurately compare auto quotes across insurers, you'll want to select the same set of coverages, limits and deductibles for each quote.

Choose your coverage
Consider your state's requirements and any specific coverage types you might want, like collision or comprehensive.

Consider your limits
Think about your personal needs as well as state laws when choosing your coverage limits.

Select your deductible
Coverage can come with a deductible, or the amount you'll pay toward a claim.

Car Insurance In Washington


Why Do People Shop for New Car Insurance?

Shopping around for car insurance can result in savings, but many car owners rarely get price quotes from other insurance companies.

The three reasons people shop around:

  • Bad experience with a car insurance claim
  • Rate Increase
  • Current company doesn’t offer coverages wanted

Car Insurance In Washington
Auto Insurance Washington

Auto Insurance Washington


What is the best car insurance in Washington?

The best car insurance is the one that has the coverage you want at a price you can afford. Some drivers might want the most basic Washington car insurance, others might want more coverage, and still others might be looking for an auto insurance company they know they can trust. Let us help you customize your Washington car insurance.

Affordable Car Insurance


Personalize your car insurance with the coverages you want.

Yes, state law sets the minimum amount of auto insurance coverages but you may want more. We can help you find the coverages you want at a price you can afford. We try to make it easy for you to customize your car insurance.

Required auto insurance coverages.
These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

Washington state only requires:

  • Bodily injury liability
  • Property damage liability

The amount of protection for these coverages can be increased above state minimums. You may want to consider the kind of cars you typically see around town. If you're in an area where people drive expensive cars, do you have enough coverage to fix or replace one (or more) of them if you cause an accident?

Additional car insurance coverages.
Although not required by the state, these coverages provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you:

  • Uninsured motorist
  • Personal Injury Protection medical
  • Collision
  • Comprehensive

Would you be able to pay to repair or replace your vehicle if it's damaged from an accident? If someone in your car was hurt in an accident, do you want your car insurance to help pay the medical bills?

Extra car insurance coverages
These cover expenses that may not break the bank if you had to pay them out of pocket but are nice to have.

  • Emergency roadside assistance
  • Rental Car Reimbursement

If your car is in the shop for 3 weeks after a covered accident, would you need a rental car? At $40 or $50 a day that expense can add up fast.

Affordable Car Insurance

Frequently Asked Questions

  • Safeguard your home, savings accounts, and other assets from a lawsuit
  • Protect the investment you have in your car
  • Pay for medical bills for you and your passengers after an accident
  • Cover you, your passengers, and your car if hit by an uninsured motorist
  • Save a lot of money later by paying a little now

So, do you really need car insurance? Only if you want to protect your assets and drive legally. Your other option is to get friendly with your local bus or uber driver.

Car insurance can be expensive, so you may ask yourself if you really need it. Washington state law does require you carry a minimum amount of liability insurance for a reason. And, believe it or not, it is not to make insurance companies rich. But is insurance really necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic crashes occurred and 3,144,000 people were injured in those accidents and 37,461 people were killed, an average of 102 people each day, one fatality every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for an accident, you need responsibility insurance aka liability insurance in order to provide financial relief to the victims of the accident.

Try to imagine a world without car insurance. Every time you went for a drive, you would be risking your bank account and your future earnings. Insurance is designed to help protect you from expensive and sometimes devastating surprises including legal costs if you are taken to court because of an accident.

The average cost of insurance is not that much when you compare it to what the insurance company may have to pay out if you make one minor mistake. The value of good insurance is only revealed when you need it most. In other words, you don’t need insurance… until you do. #AccidentsHappen