Cheap Auto Insurance Washington State

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Our agents help protect you on the road.

We are here to advise you on important coverage decisions, answer any questions, and help simplify your experience.

We can help:

  • Find available auto discounts
  • Adjust your coverage, at your request, as your life changes
  • Guide you through the auto claims process

Best Car Insurance In Washington —


Personalized Coverages

Personalize your car insurance with the coverages you need.
We make it easy to customize your car insurance to fit your needs.

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

Additional car insurance coverages.
Although Uninsured Motorist and Personal Injury Protection may not be required, they can provide you with an extra layer of protection. These coverages take care of damages to your car and/or injuries to you and your passengers.

We can help you pick what coverages you want.
We get it. Car insurance isn't the easiest thing to deal with. We're here to help answer any questions you may have.

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Cheapest Car Insurance In Wa


How Can I Find the Best Price on Car Insurance?

Once you decide how much car insurance you want, you can start shopping for the best policy. Rates can vary widely among companies for the exact same coverage, so be sure to get car insurance quotes from multiple insurers.

Here’s what you should do to find the cheapest car insurance.

  1. Shop around
  2. Ask about discounts
  3. Choose a higher deductible
  4. Ask about usage-based car insurance

Cheapest Car Insurance In Wa
Washington Car Insurance

Washington Car Insurance


Do I Need Insurance?

If you own a car, you need auto insurance. Car insurance helps provide financial protection for you, and your family if you're involved in an accident. It only takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available.

Car Insurance Quotes


How can I find the best price on car insurance?

The key to finding a good deal is to get car insurance quotes from multiple companies. An independent insurance agent can do that work for you. We can help you find the companies that have the lowest rates.

Another good savings strategy is to bundle your auto insurance with your homeowners or renters insurance. Getting more than one policy from the same company typically results in a decent discount.

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Affordable Auto Insurance

Affordable Auto Insurance


Why do you need car insurance?

Car insurance can help protect you from expensive, sometimes devastating surprises. Imagine you're in an accident, as an insured driver, you can get help paying medical bills, repairs, certain legal defense costs and more.

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Other Auto Insurance Coverages to Consider

Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses.

Here are some other auto insurance types to consider.

  • Accident forgiveness keeps your car insurance rates from going up after an accident..
  • Gap insurance is designed to protect you if you owe more on your car than it is worth
    • If your car is totaled, the normal insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.
  • New car replacement will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.
  • Usage-based insurance has the potential to reduce your car insurance bill if you’re a good driver. This typically means you don't regularly hard brake, accelerate rapidly, drive in the wee hours of the morning, and other factors. Usage-based insurance programs use either an app on your phone or a device that plugs into your car to track your driving habits.
  • Vanishing deductibles reduce your deductible every time your policy renews. Normally, if you have a claim, your insurance check will be reduced by your chosen deductible. With a vanishing deductible your out of pocket deductible is reduced by as such as $100 every year you don’t make a claim.

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Frequently Asked Questions

When you cross major life events you should reassess your car insurance coverages and check if you qualify for better discounts. Here are some times when your rates are likely to change:

  • Purchasing a car – the company that had the best rate for your old car may not be best with the new one.
  • Adding or removing a driver from a policy – either could raise or lower your rate depending on their age and driving record.
  • Marriage or divorce – Major life change.
  • Moving – every zip code has a different rate and every company has different factors for those zip codes.
  • Adding a teen driver – They are 3x as likely to have an accident, so count yourself lucky if your rate only doubles.
  • Buying a house – You may be in a different rating zip code and may now qualify for the homeowners discount and a home insurance bundling discount.
  • DUI or major violation – If your current company finds out, you will be seeing a rate hike at your next renewal.
  • Accident – You probably will lose your Safe Driver Discount even if the accident was not-at-fault.
  • Three Years Driving History – Once your tickets are more than 3-years old they will no longer count. Your current company will have to wait till your renewal to lower your insurance rates.
  • Change in credit score – if your credit history gets significantly better ask your agent if they can have your credit score re-ordered.

You do not need car insurance to get your Washington driver’s license but when you take the test drive for your driver’s license, you must show the driving instructor proof that the car you are going to use to is insured. So, if the car belongs to someone else, you can just show their insurance to the instructor. Just be sure, for your safety and the car owners, that their policy will cover you as a driver.

  • Liability coverage. Protects you if you cause damage to others and/or their stuff.
  • Physical Damage Coverage. Comprehensive & Collision cover damage to your car.
  • Uninsured Motorist. Covers you, your passengers, and your car in the event another party is at fault and they don't have sufficient (or any) insurance.
  • Personal Injury Protection. Covers your and your passengers medical bills caused by a covered accident no matter who was at fault.