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Cheapest Car Insurance Rates In Washington (2018)

If you’re like most people, you’d jump at the chance to reduce your monthly expenses. One of the easiest ways to do so is to find cheap auto insurance in Washington.

Unfortunately, this task is easier said than done since there are dozens of insurance companies competing for your business. To simplify the process, our Geeks crunched the numbers from nine insurance companies to identify the providers who have the best auto insurance quotes for these four driver types:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$99/month estimate

$/month estimate

Every insurance carrier wants to attract more low-risk policyholders, and many of them offer safe driver discounts to do just that. But as you may already know, some insurers offer better deals than others.

If you haven’t caused a crash in the past five years and you live in Washington, try getting quotes from Safeco and Geico. With estimated premiums of $99 per month, Safeco was found in our study to be the most affordable provider for this driver type.

Best Rates For Teen Drivers

$/month estimate

$182/month estimate

From peer pressure to distractions to inexperience, there are many reasons why insurance companies see teenagers as a high liability. But that doesn’t mean car insurance for young drivers has to cost a fortune.

The teen in our study was age 18 and wanted to buy coverage that met the minimum requirements in Washington. Geico was identified as the cheapest option, followed closely by Safeco.

Best Rates For Drivers With A DUI

$149/month estimate

$249/month estimate

If you have a conviction for driving under the influence on your record, you probably pay more for auto insurance than you did before your charges. That’s because insurance companies see drivers with a DUI on their record as a greater liability. Luckily, some providers are more lenient than others. Our team determined that State Farm offers the cheapest auto insurance in Washington for drivers with one DUI involving a BAC of 0.08.

Best Rates For Senior Drivers

$/month estimate

$90/month estimate

Our team looked at the car insurance rates for a 65-year-old driver who commuted 4,000 miles annually. We identified Geico as the cheapest provider for this driver category. Safeco was also found to offer competitive rates.

STUDY METHODOLOGY

Our monthly premium estimates are based on averages from males and females in five zip codes throughout Washington. Our default driver was age 29 and drove a 2014 Toyota Corolla. The default annual mileage was 12,000. The liability coverage limits used in all categories except for “teen drivers” were 50/100/25. We also added 50/100/25 in uninsured motorist coverage.

What Are The Minimum Requirements For Auto Insurance In Washington?

All motorists in Washington are required by law to purchase auto insurance that meets these minimum liability limits:

  • $25,000 For Bodily Injuries To One Person In One Accident
  • $50,000 For Total Bodily Injuries In One Crash
  • $10,000 For Property Damage

 

cheapest car insurance in washington

Visit our the PennyGeeks blog for valuable insights into car insurance.

 

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