Cheap Auto Insurance Washington

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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.

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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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Cheap Car Insurance Wa


What car insurance is required in Washington?

In Washington, it’s against the law to drive without insurance . Washington drivers are required to have at least the following minimum car insurance coverage:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $10,000 per accident

Depending on your budget and your needs, you might want to consider carrying higher limits of liability and other coverages such as Uninsured Motorist and Personal Injury Protection medical. We’ll help you customize your Washington car insurance to get the coverage you want at a price you can afford.

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Car Insurance Quotes Washington

Car Insurance Quotes Washington


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.

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Factors That Impact the Cost of Car Insurance

Your car insurance cost will vary depending on several factors that typically include:

  • Your driving record
  • Your age and years of driving experience
  • Where you live
  • Car insurance coverage selections
  • Deductible amount (if you buy collision and comprehensive coverage)
  • Vehicle year, make, and model
  • Car insurance history
  • Your credit-based insurance score

Auto Insurance Washington State
Instant Auto Insurance

Instant Auto Insurance


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.

Cheapest Auto Insurance In Washington State


How to compare car insurance quotes.

You would not buy a car just by calling a handful of car dealerships and ask for the price of the cheapest car on each lot, and then picking the lowest. Why would you do that when you are buying car insurance?. Decide on the coverages you want then request quotes for that exact coverage. Make notes as to what agent is most helpful, not just being an order taker but giving valuable advice for you to consider when choosing coverages. If your requirements change as you talk with the various agents, go back and update the prior quotes.

To best compare car insurance quotes from various companies, make sure each quote contains the same:

  • Coverages: Although some are required, make sure you pick the same coverages for each quote.
  • Policy limits: There are minimum amounts, but you may want more. Just be sure each quote has the same limits.
  • Deductibles: If you are wanting comprehensive and collision coverages, be sure each quote is using the same deductible.

Cheapest Auto Insurance In Washington State

Frequently Asked Questions

The cheapest auto insurance policy you can purchase is liability coverage. This pays the damage you cause to someone else and is the minimum coverage Washington state allows. We always recommend more coverage but if you need to keep your insurance premium down, the choice is yours.

The cheapest insurance premium depends on a number of ‘responsibility’ factors and how much each company weights each factor.

  • If your driving history is clean, you have good credit, and you have carried higher liability limits for a number of years, Safeco or Progressive will most likely have the best rates for you.
  • If your driving record is clear but you don’t currently have an insurance policy or have just been carrying the state minimum, National General and Progressive will probably have the best rates for you.
  • If you have collected a couple of tickets or accidents, Dairyland or National General will probably have the best rates for you.
  • If you have had more than two accidents or are collecting tickets like they are Pokémon, then Kemper Specialty will have the best rate for you.

One of the advantages of working with an independent agent is we have multiple companies and can shop your insurance for you to get you the best rate possible.

The cheapest auto insurance policy you can purchase is liability coverage. This pays the damage you cause to someone else and is the minimum coverage Washington state allows. We always recommend more coverage but if you need to keep your insurance premium down, the choice is yours.