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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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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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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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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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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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Wa Car Insurance


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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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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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.