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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

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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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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.

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Car Insurance Near Me

Car Insurance Near Me


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 Washington State

Cheap Car Insurance 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.

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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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Frequently Asked Questions

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.

How to Get the Cheapest Car Insurance Rates Possible:

  • Don't assume any one company is the cheapest.
  • Don't ignore local and regional insurers.
  • Ask about discounts.
  • Work on your credit.
  • Skip comprehensive and collision coverage for an older car.
  • Raise your deductible.

Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you? A simple way for an insurance company to have low rates is to fight every claim. Pick a company with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you know it is a lie. They know it works.

If you are simply looking for the lowest insurance premium you have a number of options:

  • Raise your deductibles.
  • Only carry the coverages you must have.
  • See if your insurance company offers a renters or home insurance bundle discount. Not always cheaper to bundle auto and home together but it is worth asking.
  • Drive Defensively! Many companies have an “Accident Free” discount that you won’t get if you have a not-at-fault accident.
  • Don’t be touching your cell phone while driving! Cell phones not only distract you, making you more likely to be involved in a car accident, they also are easy tickets for police officers to write.
  • Stop collecting tickets from law enforcement officers like others collect Pokemon.
  • Improve your credit score. Yes, your credit history is a reflection of your responsibility.
  • Set your insurance policy up on Electronic Funds Transfer. If you are responsible enough to keep your checkbook balanced, most companies give a significant discount for automatic payments.
  • Get quotes from a number of companies. Each insurance companies weighs rating factors differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.