Cheapest car insurance in Washington State For 2024
Pemco is renowned for providing trustworthy and economical auto insurance in Washington State.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping for affordable car insurance in Washington State may seem like a challenge, but it doesn’t need to be. Pemco is one of the top insurance companies, known for offering competitive rates and excellent customer service. Whether you need minimal liability or full coverage, they have a varietyof plans to choose from.
As the cost of living increases, finding cheap car insurance that meets your needs becomes more critical. Whether you’re a new driver, a seasoned commuter, or part of a family looking to save on insurance, understanding the factors that influence premiums and where to look for the best deals is essential.
After over ten years of studying car insurance policies, I’ve created a comprehensive guide to help you navigate this complex market. In this guide, we’ll explore what affects insurance rates and provide tips to find the most affordable car insurance in Washington State without sacrificing coverage.
Our methodology
In my research, I employed a systematic approach to collect and analyze data on different car insurance providers and policies. First, I identified key factors for evaluation, including coverage choices, pricing, customer satisfaction, and financial stability. Next, I gathered information from reliable sources such as insurance company websites, consumer reviews, and industry reports. After compiling the data, I categorized it and evaluated each insurer based on specific criteria. This included comparing coverage options, premium rates, discounts, and customer feedback to determine the strengths and weaknesses of each provider.
Quotes Assessed
Hours of Research
Years of Expertise
Brands Reviewed
Cheapest car insurance companies in Washington State 2024
Cheapest car insurance in Washington State for minimum coverage
Pemco Insurance provides the lowest monthly premiums for basic car insurance in Washington State, averaging $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco Insurance | $25 | $301 |
| State Farm | $30 | $357 |
| Progressive | $35 | $421 |
| Geico | $39 | $462 |
| Travelers | $41 | $493 |
In Washington State, all drivers are required by law to carry a minimum amount of car insurance coverage. This typically includes liability insurance, which consists of two main parts: bodily injury liability and property damage liability. Bodily injury liability helps pay for medical bills, rehabilitation, and legal costs if you cause an accident that injures someone else.
Property damage liability, on the other hand, covers the costs of repairing or replacing someone else’s vehicle or property if you are at fault. These minimum coverage levels are mandated by state law, although they may vary depending on factors like your driving history and the vehicle you own. It’s essential to know these requirements and ensure you have the proper coverage to comply with the law and protect yourself financially.
Cheapest Car Insurance In Washington State For Full Coverage
State Farm provides the most affordable full coverage car insurance in Washington State, with average monthly premiums starting at $93.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $93 | $1,121 |
| Geico | $110 | $1,317 |
| Encompass | $117 | $1,398 |
| Pemco | $121 | $1,452 |
| Progressive | $124 | $1,489 |
In Washington State, full coverage auto insurance provides both the legally required liability coverage and additional protection with options like collision and comprehensive insurance. Collision coverage helps pay for damages to your vehicle from an accident, no matter who is at fault, while comprehensive insurance covers damage from non-accident incidents like theft or fire. This type of insurance offers financial security and peace of mind by covering a wide range of potential risks. Always review your policy’s coverage limits and deductibles to ensure it meets your protection needs.
Cheapest Car Insurance In Washington State For Drivers With Poor Credit
Pemco offers Washington State drivers with poor credit the most competitive rates, with an average monthly premium of $60.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco | $60 | $718 |
| Geico | $120 | $1,438 |
| Allstate | $137 | $1,638 |
| National General | $145 | $1,742 |
| Farmers | $100 | $1,198 |
Insurance rates in Washington State are influenced by a variety of factors, including your credit score. Lower credit scores often lead to higher car insurance premiums, as insurers view these drivers as more likely to file claims. Drivers with poor credit may face higher costs, but they can still compare quotes and look for discounts to find affordable coverage options.
Cheapest car insurance in Washington State for young drivers
Young adult drivers in Washington State often receive more affordable car insurance rates than teenagers. This is due to their tendency to practice safer driving habits as they get older, resulting in fewer accidents and insurance claims. Insurance companies recognize these patterns and offer reduced premiums to young adults based on their improved safety track records.
Cheapest Washington car insurance for 16-year-olds
Travelers provides the least expensive insurance options for sixteen-year-olds, averaging $386 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $529 | $6,348 |
| Mutual Of Enumclaw | $532 | $6,383 |
| American Family | $586 | $7,032 |
| Travelers | $386 | $4,631 |
| USAA | $446 | $5,351 |
Cheapest Washington car insurance for 17-year-olds
Travelers average premium for seventeen-year-olds is $371, the most affordable among competitors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $458 | $5,487 |
| American Family | $473 | $5,668 |
| State Farm | $505 | $6,061 |
| Travelers | $371 | $4,444 |
| USAA | $388 | $4,649 |
Cheapest Washington State car insurance for 18-year-olds
Travelers offers the lowest monthly premiums for 18-year-olds, averaging $338.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $388 | $4,648 |
| Geico | $440 | $5,276 |
| State Farm | $459 | $5,500 |
| Travelers | $338 | $4,052 |
| USAA | $347 | $4,166 |
Cheapest Washington State car insurance for 21-year-olds
USAA average monthly premium for 21-year-olds is $136, the most economical choice available.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $247 | $2,956 |
| Travelers | $252 | $3,025 |
| Geico | $282 | $3,384 |
| USAA | $136 | $1,627 |
| Farmers | $186 | $2,225 |
Cheapest Car Insurance In Washington State For Seniors
Pemco rates are the most economical for seniors in Washington State, averaging $60 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco | $60 | $718 |
| Allstate | $119 | $1,427 |
| GEICO | $122 | $1,459 |
| Nationwide | $124 | $1,482 |
| Chubb | $125 | $1,505 |
Seniors may qualify for cheaper car insurance because they’re often considered safer, more experienced drivers. Many insurance providers also take into account that seniors usually drive fewer miles, reducing the chances of accidents. Some companies offer discounts specifically for older drivers, including savings for completing senior driver safety courses. These courses are designed to reinforce safe driving practices and may lead to further insurance discounts.
Cheapest car insurance in Washington State for drivers with prior incidents
In Washington State, individuals with a history of accidents, speeding tickets, or DUIs frequently struggle to obtain affordable car insurance. These incidents classify them as high-risk to insurers, resulting in higher premiums to compensate for the anticipated increase in claims. This issue is particularly prevalent inWashington State due to its elevated rate of traffic incidents. Insurers establish their pricing strategies based on statistical analyses that indicate a connection between prior driving incidents and a heightened probability of future claims.
Cheapest car insurance in Washington State for drivers with a speeding ticket
State Farm offers drivers with speeding tickets the lowest average premiums at $113, making it a financially savvy choice.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $113 | $1,354 |
| Pemco Insurance | $127 | $1,520 |
| GEICO | $133 | $1,598 |
| Allstate | $139 | $1,670 |
| Farmers | $238 | $2,854 |
Cheapest car insurance in Washington for drivers with an at-fault accident
Pemco is noted for its $70 average premiums, making it the cheapest alternative for drivers with at-fault incidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco Insurance | $70 | $838 |
| Farmers | $136 | $1,632 |
| Chubb | $140 | $1,675 |
| GEICO | $149 | $1,792 |
| Allstate | $153 | $1,835 |
Cheapest car insurance in Washington for drivers after a DUI
Pemco premiums, averaging $100, are the most affordable for drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco Insurance | $100 | $1,198 |
| GEICO | $189 | $2,264 |
| Progressive | $191 | $2,297 |
| National General | $198 | $2,379 |
Cheapest car insurance in Washington State for good drivers
Car insurance rates for safe drivers in Washington State may differ based on factors like their driving history, age, and desired coverage. Generally, those with clean records can expect lower premiums because they are seen as lower risks by insurers. They may also qualify for discounts for consistently maintaining a safe driving record. It’s advisable for safe drivers to compare quotes from multiple insurers to find competitive rates and coverage options that suit their individual needs.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pemco Insurance | $25 | $301 |
| State Farm | $30 | $357 |
| Progressive | $35 | $421 |
| Geico | $39 | $462 |
| Travelers | $41 | $493 |
Average cost of car insurance in Washington State
Average cost in Washington State – By age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $617 | $7,406 |
| 17 | $528 | $6,336 |
| 18 | $476 | $5,713 |
| 19 | $385 | $4,613 |
| 21 | $287 | $3,437 |
| 25 | $207 | $2,475 |
| 35 | $178 | $2,130 |
| 45 | $175 | $2,096 |
| 55 | $164 | $1,968 |
| 65 | $173 | $2,069 |
Average cost in Washington State – By gender & marital status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,198 |
| Male | Single | $1,250 |
| Female | Married | $1,300 |
| Male | Married | $1,350 |
Average cost in Washington State – By credit tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $96 | $1,153 |
| Good | $98 | $1,176 |
| Poor | $100 | $1,198 |
Average cost in Washington State – by city
| City | Average Monthly Cost | Average Annual Cost |
| Lacey | $125 | $1,443 |
| Olympia | $126 | $1,507 |
| Belfair | $126 | $1,507 |
| Curtis | $141 | $1,697 |
| Vaughn | $141 | $1,697 |
| Puyallup | $148 | $1,781 |
Minimum car insurance requirements in Washington State
In Washington State, the law requires a minimum level of car insurance that includes liability coverage for bodily injury and property damage, expressed as 25/50/10. This means $25,000 for injuries per person, $50,000 per accident, and $10,000 for property damage. The state also mandates Personal Injury Protection (PIP) to help with medical bills and lost wages, regardless of fault. If drivers prefer, they can choose the Health Insurance Primary (HIP) option, but not all health plans qualify, so it’s important to check.
Car insurance discounts in Washington State
Finding car insurance discounts that apply to your situation can lead to substantial savings. Your insurance agent may help you find more. Common discounts include:
- Safe Driver Discount: For drivers with a clean record.
- Multi-Vehicle Discount: Insuring more than one car under one policy often leads to savings.
- Bundling Discount: Combining car insurance with other policies can reduce your overall costs.
- Good Student Discount: Students with good grades may qualify for reduced premiums.
- Defensive Driving Discount: Completing a defensive driving course can earn you lower premiums.
FAQs
How much is car insurance a month in Washington State?
The monthly cost of car insurance in Washington State can vary depending on age, driving history, and the type of coverage the driver selects.
What is the minimum car insurance one must have in Washington State?
Washington State law stipulates that drivers must carry car insurance that covers liability for bodily injury and property damage, along with mandatory Personal Injury Protection (PIP) coverage.
Which insurance is better in Washington State?
The optimal insurance choice in Washington State is determined by personal preferences, driving behaviors, and coverage needs. It’s prudent to obtain quotes from multiple insurers to identify the most suitable option.
