Best Cheap Auto Insurance in Washington States and Average Rates

If you drive a car in Washington State you will have to be financially responsible. In Washington State, you will have to obtain auto insurance when you register a vehicle and drive on its roadways. So if you are a resident of Washington State and drive a car, you must purchase some form of car insurance. Additionally, it is essential for you to know the requirements for car insurance and find out the best auto insurance in Washington State. Because there are many car insurance companies in Washington.

Car Insurance Laws of Washington State

It is important for Washington residents to know the car insurance law of Washington State. National Highway Traffic Safety Administration expressed a survey report that there were a total of 37,133 highway-related deaths in 2017 due to excessive drinking and distractive driving. There are even more car accidents that result in injuries and damage but do not result in death. According to Washington state law, all drivers in Washington state must carry auto liability insurance and proof that you have insurance. If you are able to show an insurance card you will be eligible to drive a car on the road.  According to the Washington State Department of Licensing, all drivers must have the following minimum limits:

  • $25,000 bodily injury per person per accident
  • $10,000 property damage liability
  • $50,000 bodily injury for all persons per accident
  • $25,000/$50,000 underinsured motorist bodily injury
  • $10,000 underinsured motorist property damage
  • $10,000 basic personal injury protection

List of Auto insurance Companies in Washington State

  1. State Farm
  2. Geico
  3. Progressive
  4. Allstate Corp.
  5. USAA
  6. Liberty Mutual
  7. Farmers Insurance Group
  8. Nationwide
  9. American Family Insurance Group
  10. Travelers
  11. Auto Club Exchange (AAA Insurance)
  12. Erie Insurance
  13. Kemper
  14. Ameriprise Financial
  15. CSAA Insurance Exchange
  16. Auto-Owners Insurance
  17. Mercury Insurance
  18. MetLife
  19. The Hartford com
  20. Auto Club Insurance Association
  21. Amica
  22. The Hanover Insurance Group
  23. COUNTRY Financial country
  24. NJM Insurance
  25. Southern Farm Bureau Casualty
  26. Sentry
  27. Shelter Insurance
  28. Alfa Mutual Group
  29. Chubb
  30. Tennessee Farmers Insurance Cos.
  31. State Auto
  32. American National
  33. Farm Bureau Financial Services
  34. Safety Insurance
  35. Markel
  36. Home State Insurance Group
  37. American Access Casualty Co.

Washington car insurance Rating factors

The basic auto insurance rating factors are the same. But coverage and price of insurance companies may be varied. So it is important to shop around to get the best car insurance rates. If you do not compare before shopping you may overpay for your auto policy.

Insurance companies consider the following factors for determining the price of car insurance.

  1. Driver’s age
  2. Driver’s gender
  3. Driver’s marital status (Washington requires insurers to consider domestic partnerships the same as married couples for rating purposes)
  4. Driver’s residence
  5. Driving record and driving experience
  6. Driver’s claims history
  7. Driver’s credit history
  8. Driver’s vehicle

Best auto insurance Washington State  and Average Rates

Best auto insurance companies mean the insurance companies who provide affordable insurance rates.We follow a methodology to find the top five insurance providers in Washington. We take the insurer’s financial strength, ability to pay its claims, customer service, customer satisfaction as a benchmark for determining the 5 best Auto Insurance Companies in Washington.

The  Best Auto Insurance Companies in Washington are

Company Average rates
State Farm Mutual Auto $1,076
GEICO General $1,371
Progressive Direct $1,519
NICOA $1,592
Allstate F&C $1,721
Farmers Ins Co of WA $2,065

Average Rate auto insurance Washington state

Proof of Auto Insurance in Washington State

Since there is an obligation to carry auto insurance in Washington State, you will have to prove that you have taken auto insurance. If you fail to show your insurance card you may be punished up to $450 according to the Washington Department of Licensing. If you involved in an auto accident with uninsured, your license may be suspended for up to three years. For that reason, you will have to receive an identification card from your auto insurance company when you buy a policy. This card must be included following issues:

  • Name of the insurance Company.
  • Policy number.
  • Duration of the Policy
  • Expire date of the policy.
  • Auto registration number

Best auto insurance Washington State for the young drivers

In Washington, some companies provide auto insurance for teenage drivers at best rates. Here some companies’ names are given who have lowest rates for young drivers buying a full coverage policy. Also, if you a new driver you can find cheap car insurance for a new driver

Company Name Insurance Rates
Age 18 Age 19 Age 20
Allstate $ 5135 $ 3292 $ 2846
Farmers $ 5570 $ 3115 $ 2911
First Nati $ 5325 $ 3110 $ 2242
GEICO $ 3378 $ 2785 $ 2366
Nationwide $ 3861 $ 3302 $ 2854
Pemco $ 2450 $ 2118 $ 1848
Progressive $ 6711 $ 3723 $ 3206
State Farm $ 3376 $ 2983 $ 2646

Best auto insurance Washington State for the young drivers

Best auto insurance Washington State for the senior drivers:

Below a chart of average rates for buying a full coverage policy of some companies of  Washington State for Senior drivers age 65 and over is given below. One of the primary ways to save on coverage is to compare car insurance quotes. Besides this, you can qualify for a mature driver discount or can take discount by taking a defensive driving course.


Company Name Insurance Rates
Age 65 Age 75 Age 85
Allstate 1659 1929 2967
Farmers 1587 1684 1835
First Nati 993 1299 1669
GEICO 1092 1377 1560
Nationwide 1112 1311 1531
Pemco 963 1165 1536
Progressive 1216 1579 1797
State Farm 1168 1354 1629

Best auto insurance Washington State for the senior drivers

Everybody find best auto insurance Washington state. You may young or senior driver in Washington state.  Consideration of the above discussion and according to your coverage and ability you can find out the best auto insurance Washington state.

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