Car Insurance Quotes Washington

Washington State offers a unique opportunity when it comes to car insurance, presenting rates that are generally more affordable than the national average. The average annual cost for full coverage in Washington is $1,176; this is lower than the nationwide average of $1,674. Liability insurance represents the most basic level of coverage required by Washington state law. This type of insurance is designed to protect other drivers and property owners if you are at fault in an accident. it is also the most affordable option for car insurance. In Washington, the average cost for liability-only car insurance is $432 annually. 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 and 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.

While liability insurance meets the state’s minimum requirements, many Washington drivers opt for full coverage to gain more extensive protection. Full coverage typically includes both comprehensive and collision insurance, offering financial safeguards against a wider range of potential damages and losses. Although full coverage policies come with a higher price tag, they provide peace of mind by covering damages to your vehicle resulting from accidents, theft, vandalism, or natural disasters. In Washington, the average annual cost for full coverage car insurance is approximately $1,077, which is still below the national average. Capital Insurance Group tends to offer some of the lower rates for full coverage, followed by Progressive and Farmers. Companies like PEMCO, State Farm, GEICO, and Allstate offer full coverage options as well, but premiums can vary significantly based on individual factors such as driving history, vehicle type, and location. Investing in full coverage insurance ensures that drivers are adequately protected against unforeseen events, minimizing potential financial burdens associated with car accidents and damages. According to recent data, a significant number of Washington clients, approximately 63%, actively seek full coverage quotes, indicating a strong preference for enhanced protection despite the higher cost.

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How Much Is Car Insurance in Washington?

Washington state’s full coverage car insurance averages $1,176 annually, which is less than the $1,674 nationwide average. Your age and driving history are just two of the many reasons that might influence how much you spend on affordable car insurance in Washington state. Where you live in Washington state might also affect the average cost of insurance premiums.

Cheapest liability insurance in Washington

The minimum of coverage necessary to meet state legal requirements is known as liability insurance or state minimum coverage. It is therefore the most affordable car insurance. it offers the lowest amount of protection.

The average cost of liability-only car insurance in Washington is $432. For drivers in Washington, the best liability rates are provided by Farmers and Capital Insurance Group. For further average rates from leading insurance providers, see the chart below.

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

The cost of full coverage car insurance in Washington is approximately $1,077, which is only 1% more than the national average. Despite the higher cost of these policies, 63% of Washington clients searched for full coverage quotes.

Comprehensive and collision insurance are both included in “full coverage” policies. Although it is more expensive, it offers the most protection for both your car and your wallet in the event of an accident. For full coverage insurance in Washington, use the table below

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?

To lower your car insurance cost in Washington, you may qualify for the following discounts:

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

Good Student Discount

Teen or young adult drivers in Washington State can qualify for a Good Student Discount if they meet all the following criteria:

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

Liability insurance is a must for drivers in Washington. Liability insurance covers the costs of other people’s property damage and injuries if you are seen to be at fault in a car accident, saving 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