Car Insurance Quotes Wa

Washington State offers a unique opportunity when it comes to car insurance, presenting rates that are normally more inexpensive than the national average. The average yearly cost for complete coverage in Washington is $1,176; this is lower than the countrywide average of $1,674. The bare minimum of coverage mandated by Washington state law is liability insurance. If you cause an accident, this kind of insurance is intended to safeguard other motorists and property owners. It is the most economical choice for car insurance. Liability-only auto insurance in Washington costs $432 per year.

Several companies offer competitive rates for this minimum coverage, with Farmers and Capital Insurance Group often cited as providers with some of the lowest premiums, averaging around $51 per month for Capital Insurance Group. Other major insurers like Progressive, PEMCO, State Farm, GEICO, and Allstate also offer liability coverage, albeit at varying rates. Choosing the right liability coverage not only fulfills the legal requirements but also provides a financial safety net, ensuring that drivers can meet their obligations in case of an accident without incurring significant out-of-pocket expenses. Several insurance companies give cheap rates; Farmers and Capital Insurance Group are frequently mentioned as having some of the lowest premiums, with an average of about $51 per month. Liability coverage is also provided by some insurance companies, such as Progressive, PEMCO, State Farm, GEICO, and Allstate. Selecting the appropriate liability coverage ensures that drivers can meet their responsibilities in the event of an accident without having to pay large out-of-pocket costs, in addition to meeting legal requirements.

Even though liability insurance meets the state’s minimal requirements, many drivers in Washington choose full coverage to have more comprehensive protection. Comprehensive and collision insurance are often included in full coverage, providing monetary protection against high possible losses and damages. Full coverage policies are more expensive, but they give you peace of mind because they cover damage to your car from theft, vandalism, accidents, and natural disasters. Full coverage car insurance in Washington still costs less than the national average, at about $1,077 per year. For complete coverage, Capital Insurance Group often has the lowest rates, followed by Progressive and Farmers. Full coverage choices are also available from companies like PEMCO, State Farm, GEICO, and Allstate; however, premiums can differ greatly depending on personal characteristics like location, vehicle type, and driving history. Buying full coverage insurance reduces the possible financial constraints related to car accidents and damages by guaranteeing that drivers are protected against circumstances. Recent statistics show that a sizable portion of Washington clients, roughly 63%, actively look for full coverage quotes.

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How Much Is Car Insurance in Washington?

The average yearly cost of full coverage car insurance in Washington state is $1,176, which is less than the $1,674 national average. The cost of car insurance in Washington state may change depending on several factors, including your age and driving record. The cost of insurance premiums in Washington state may also change depending on where you live.

Cheapest liability insurance in Washington

Liability insurance, also referred to as state minimum coverage, is the bare minimum of coverage required to meet state legal requirements.

In Washington, liability-only car insurance costs $432. Farmers and Capital Insurance Group offer the best liability rates for drivers in Washington. See the chart below for additional rates from top insurance companies.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Farmers…………………………….. $304……………………………….$51
Capital Insurance Group………$305……………………………….$51
Progressive…………………………$326………………………………..$54
PEMCO………………………………$350……………………………….$58
State Farm………………………….$389……………………………….$65
GEICO……………………………….$397………………………………..$66
Allstate……………………………….$625……………………………….$104

Cheap Car Insurance In Washington

Full coverage auto insurance in Washington costs about $1,077. 63% of Washington clients looked for full coverage quotations, despite the high cost of these policies.

Full coverage policies provide both collision and comprehensive insurance. In the case of an accident, it provides the best protection for your vehicle while being more costly. Use the table below to find full coverage insurance in Washington.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Capital Insurance Group……..$665………………………………….$111
Progressive………………………..$843………………………………….$141
Farmers…………………………….$875…………………………………..$146
PEMCO……………………………..$1,007……………………………….$168
State Farm…………………………$1,023………………………………..$171
GEICO………………………………$1,131…………………………………$189
Allstate……………………………..$1,435…………………………………$239

How do I lower my car insurance cost in Washington?

You might be eligible for the following Discount to reduce the cost of your Washington car insurance:

Homeowner
Good student
Paid in full
Distant student
Five-year accident-free
Paperless
Online quote
Vehicle tracking system

Good Student Discount

If a teen or young adult driver in Washington State meets all of the following requirements, they are eligible for a Good Student Discount:

Have 8 years or less of driving experience
Are enrolled in a full-time academic home study program, high school, college, or university
Have at least a B average or its equivalent

Washington’s Minimum Requirements For Car Insurance

In Washington, drivers are required to carry liability insurance. If you are found to be at fault in a car accident, liability insurance will cover the costs of other people’s injuries and property damage, preventing you from having to pay for these out of pocket. In Washington, the minimal limits for car liability are:

Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $10,000
Underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Underinsured motorist property damage coverage: $10,000 per accident
Basic personal injury protection: $10,000 per accident

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. For additional information, click here

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Frank Oduro