Best Car Insurance in Gravois Mills, Missouri

If you're a Gravois Mills, Missouri resident seeking the best protection for your vehicle, you've landed in the right place. Car insurance is not just a legal requirement; it's your safety net on the unpredictable roads of our beloved Gravois Mills. Let's dive into the world of car insurance in Gravois Mills, exploring options, considerations, and how you can make the most informed choices.

Understanding the Landscape

Car insurance in Gravois Mills, Missouri is a multifaceted landscape. Whether you're a daily commuter navigating the bustling streets or a weekend explorer enjoying the scenic drives, having comprehensive coverage is paramount. It ensures financial protection and peace of mind.

When delving into the car insurance market, it's essential to comprehend the basics. Liability coverage addresses third-party injuries and property damage, while collision and comprehensive coverage cater to damages to your vehicle. Striking the right balance between these components is key to tailor-fitting your insurance to your unique needs.

Navigating the Market

In Gravois Mills, a plethora of insurance providers vie for your attention. Giants like State Farm, GEICO, and USAA have a substantial presence, each offering distinct advantages. As you explore your options, consider factors beyond premiums. Evaluate customer reviews, financial stability, and coverage flexibility to make an informed decision.

Securing Affordable Protection

Affordability is a crucial factor in selecting the right car insurance. To find the sweet spot between cost and coverage, explore discounts offered by insurers. Bundling policies, maintaining a clean driving record, and leveraging available discounts can significantly reduce your premiums.

As you navigate through the online realm for quotes, ensure that your information is accurate. Use tools provided by insurance companies to generate precise quotes that reflect your driving profile and coverage preferences.

Tailoring Coverage to Your Needs

Car insurance isn't one-size-fits-all. Explore specialized coverage options based on your unique circumstances. Temporary insurance is ideal for those in Gravois Mills for a short duration, while classic car enthusiasts may benefit from policies catering specifically to vintage vehicles.

Ensuring Local Relevance

Gravois Mills, Missouri has its traffic nuances and local regulations. Ensure your chosen car insurance aligns with these specifics. Understanding local considerations guarantees that your coverage is not only comprehensive but also adheres to regional laws.

Scroll for the Unveiling of Exclusive Insights!

Curious to know more about finding the perfect car insurance in Gravois Mills, Missouri? Scroll down to uncover exclusive insights, tips, and expert advice that will revolutionize the way you approach car insurance.

As you scroll, get ready to unlock premium value. Our comprehensive guide goes beyond the basics, delving into advanced strategies to maximize your car insurance benefits. Whether you're a first-time car owner or a seasoned driver, there's something valuable waiting for you.

The Ultimate Guide to Car Insurance in Gravois Mills, Missouri

Decoding Policy Types: Which One Suits You?

Embark on a journey into the intricacies of policy types. Understand the differences between liability, full coverage, and specialty policies, empowering yourself to choose the ideal coverage for your unique needs.

Expert Insights and Practical Tips

Scroll deeper to access expert insights and practical tips that can redefine your approach to car insurance. Uncover hidden gems of information, explore real-life scenarios, and equip yourself with the knowledge to secure the best car insurance in Gravois Mills, Missouri.

Car Insurance in Gravois Mills, Missouri

Unlock the secrets of car insurance in Gravois Mills, Missouri. Our in-depth guide provides expert insights, tips, and exclusive information to help you find the perfect coverage. Discover more as you scroll through our comprehensive guide.

Conclusion:

Your journey to finding the best car insurance in Gravois Mills, Missouri begins here. Scroll, explore, and empower yourself with the knowledge to make informed decisions. Your vehicle deserves the utmost protection, and our guide ensures you navigate the car insurance landscape with confidence.

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• The Ultimate Washington Car Insurance Guide (Costs + Coverage)

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• Written by:

• Sara Routhier

• Sr. Director of Content

• Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

• Sr. Director of Content

• Reviewed by:

• Ty Stewart

• Licensed Insurance Agent

• Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

• Licensed Insurance Agent

• UPDATED: Feb 16, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• Washington Stats SummaryDetails Road MilesTotal in State: 80,338 Vehicle Miles Driven: 59,653 million VehiclesRegistered: 6,489,082 Total Stolen: 26,867 State Population7,152,818 Most Popular Vehicle in StateSubaru Outback Percent of Uninsured Motorists17.40% State Rank: 7th Total Driving FatalitiesSpeeding Fatalities: 172 Drunk Driving Fatalities: 178 Average Annual PremiumsLiability: $596.67 Collision: $265.74 Comprehensive: $106.38 Cheapest ProvidersAllied P&C AXCM and USAA

• Ranked eighth in population growth, Washington sure is on its way to becoming one of the most lucrative states to live in America. Seattle’s booming job market and the tech start-up scene have a strong pull which works in favor of the Evergreen State.

• Whether you have recently moved or are a long-time inhabitant of the state, you would understand the importance of having the right car insurance coverage to protect yourself on roads that are getting more and more congested.

• In addition, car insurance laws and coverage requirements keep changing with time, and you should know about the basics before buying coverage.

• To make the process of buying a policy simple for you, we are putting together a car insurance guide that would cover all the details that you may need to know.

• Shopping for Washington automobile insurance? Sometimes looking for a provider can be tricky. But with AutoInsuranceEZ.com, it’s as uncomplicated as typing in your zip code. We can supply you with the top 5 insurance providers in your spot, whether you live in a big city like Seattle, Spokane, or Tacoma, or a lesser populated area such as Vancouver or Bellevue.

• Start comparison shopping today with our FREE tool above. Table of Contents Toggle Car Insurance Coverage and Rates in WashingtonWashington’s Car CultureMinimum Auto Insurance Coverage Requirement in WashingtonForms of Financial Responsibility in WashingtonPremiums as a Percentage of Income in WashingtonCore Coverage Auto Premiums in WashingtonAdditional Liability Coverage in WashingtonAdd-ons, Endorsements, and Riders in WashingtonMale vs Female Auto Insurance Rates in WashingtonAuto Insurance Rates in the 10 Largest Cities of WashingtonAuto Insurance Rates by Zip Code in WashingtonAuto Insurance Rates by City in WashingtonAffordable Insurance Options Across Washington CitiesBest Car Insurance Companies in WashingtonFinancial Ratings of the Leading Insurance Providers in WashingtonCustomer Reviews of Car Insurance Providers in WashingtonComplaint Numbers of Leading Car Insurers in WashingtonAuto Premiums by Car Insurance Carriers in WashingtonAuto Insurance Rates by Commute Rate in WashingtonAuto Insurance Rates by Coverage Level in WashingtonAuto Insurance Rates by Credit History in WashingtonAuto Insurance Rates by Driving History in WashingtonLeading Car Insurance Companies in WashingtonNumber of Car Insurance Providers in WashingtonState Laws in WashingtonCar Insurance Laws in WashingtonWindshield Coverage Law in WashingtonHigh-Risk Car Insurance in WashingtonAuto Insurance Fraud in WashingtonStatute of Limitations in WashingtonVehicle Licensing Laws in WashingtonReal ID in WashingtonPenalties for Driving without Insurance in WashingtonTeen Driver Laws in WashingtonLicense Renewal Procedures in WashingtonNew Residents in WashingtonRules of the Road in WashingtonFault vs No-Fault Law in WashingtonSeat Belt and Car Seat Laws in WashingtonKeep Right and Move Over Laws in WashingtonSpeed Limits in WashingtonRidesharing Laws in WashingtonAutomation on the Road in WashingtonSafety Laws in WashingtonDUI Laws in WashingtonMarijuana-Impaired Driving Laws in WashingtonDistracted Driving Laws in WashingtonDriving in WashingtonVehicle Theft in WashingtonRoad Fatalities in WashingtonMost Fatal Highway in WashingtonFatal Crashes by Weather Condition and Light Condition in WashingtonFatalities (All Crashes) by County in WashingtonTraffic Fatalities in WashingtonFatalities by Person Type in WashingtonFatalities by Crash Type in WashingtonFive- Year Fatality Trend For The Top 10 Counties in WashingtonFatalities Involving Speeding by County in WashingtonFatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County in WashingtonTeen Drinking and Driving in WashingtonEMS Response Time in WashingtonTransportation in WashingtonCar Ownership in WashingtonCommute Time in WashingtonCommuter Transportation in WashingtonTraffic Congestion in Washington

• Table of Contents

• Car Insurance Coverage and Rates in Washington

• Though we would include a great deal of information in this guide, we think the most important thing you must know about is the minimum coverage requirements and rates in your city or zip code.

• Most often consumers buy what they’re asked by their insurance agents, without really understanding how a particular coverage would protect them.

• That’s why we would explain what coverage options you’re required to have, what are some good to have options, and how these would cover your expenses in the event of an accident.

• Washington’s Car Culture

• Subaru Outback is the most popular car in Washington and that tells a lot about the outdoorsy nature of the people who live here.

• Such is the fascination with Subaru that one among every 10 cars is a Subaru in the Seattle-Bellevue-Everett area as per a survey by Nielsen Scarborough.

• Apart from Subaru, car owners in Washington are also quite taken by the electric vehicle trend and the state has one of the highest numbers of plug-in electric cars. The state also plans to register around 50,000 electric vehicles by the year 2020.

• Minimum Auto Insurance Coverage Requirement in Washington

• To drive legally in Washington, you must buy the minimum auto insurance coverage mandated by the state or prove financial responsibility for any car accident that might happen in the future.

• Type of CoverageMinimum Limits Bodily Injury Liability$25,000 per person/$50,000 per accident Property Damage Liability$10,000 per accident

• The minimum insurance requirement includes bodily injury coverage up to the limit of $25,000 per person and $50,000 overall to cover the personal injury expenses of the third-party in an accident.

• In addition, auto owners must also carry property damage liability coverage of at least $10,000.

• Washington follows the traditional at-fault system for determining liability in an accident which means that the at-fault driver is responsible to pay for the damages of the third party.

• When you only buy the minimum liability coverage, you’re exposing yourself to the risk of bearing your own personal injury and property damage expenses in the event of an accident. Because liability coverage only pays for the third party damages.

• What can you do to cover your personal damages from an accident?

• You have many options to consider that can cover your medical injuries as well as the damage to your car if you’re involved in an accident caused by you.

• Types of CoverageWhat it Covers Collision Collision helps to recover the cost of repair or replacement if your car is damaged due to a collision with another object, such as tree, fence, or another car. ComprehensiveComprehensive covers damages to your car that happen due to causes out of your control, such as storms, theft, fire, etc. Medical PaymentsMed Pay helps to cover the medical expenses from injury to you or your passengers in an accident irrespective of the fault. Personal Injury Protection (PIP)PIP, as the name suggests, kicks in to cover your personal injury expenses in an accident irrespective of fault. Along with medical expenses, PIP also covers lost wages.

• Most of the auto insurance policies include both collision and comprehensive coverage because these options cover damages from different causes. And, since the cost isn’t very high, it’s recommended to take both options with your policy.

• Medical Payment and Personal Injury Protection are two options that cover medical expenses for your personal injuries in an accident. What you choose depends on the cost of the coverage and your requirement.

• Do remember that PIP also covers lost wages if you’re unable to work due to your injuries.

• At all times, you’re required to carry proof of insurance with you while you’re driving. Washington allows motorists to show electronic proof of insurance so you can keep the proof in your mobile phone.

• Apart from buying the required coverage options, you should also give a thought to the policy limits that you buy. The state minimum limits wouldn’t be enough to cover your damages if you’re involved in a major accident.

• That’s why experts recommend buying liability coverage with limits of at least $100,000/$300,000. Because if you’re sued in an accident and your policy limits aren’t enough, you could end up losing your personal assets.

• If you want to understand what a typical car insurance policy covers, you can watch this video.

• Forms of Financial Responsibility in Washington

• The financial responsibility laws of Washington require motorists to prove that they would be able to bear the expenses from an accident if they’re involved in one. To prove financial responsibility, motorists have the following options:

• Premiums as a Percentage of Income in Washington

• If you have been earning for some time and need to pay a few bills every month, we know how you budget for every cost so that your expenses don’t exceed your income.

• That’s why we are putting together the percentage of premiums to disposable income trend for three years from 2012-2014.

• Details201420132012 Disposable Income$45,143$42,975$43,026 Average Annual Premiums$952$914$891 Percentage of Income2.11%2.13%2.07%

• On average, the premium cost is around 2 percent of the income in Washington. You can also calculate your premiums to income ratio in our in-house calculator.

• CalculatorPro

• You can also compare the percentage of premiums to income ratio of Washington with other neighboring states. Apart from Idaho, the ratio of premium to income is the best in Washington.

• Core Coverage Auto Premiums in Washington

• We have collected data for the average premium rates in Washington which would give you an idea of how much you need to account for auto insurance each month.

• Types of CoverageAverage Annual Premiums Liability$596.67 Collision$265.74 Comprehensive$106.38 Full Coverage$968.80

• For liability coverage, the average annual premium rate is $596 which is higher than the national average of $538. But collision coverage at $265 annually is cheaper than the national average of $322.

• Additional Liability Coverage in Washington

• We have already discussed the additional liability coverage that you may consider buying if you would like to protect yourself in the event of an accident. Let’s look at the loss ratio for these coverage options in Washington.

• Loss ratio is the ratio of losses and expenses to premiums earned. In short, it signfies the amount of claims settled to premiums earned on auto insurance.

• Loss Ratio Table201520142013 Personal Injury Protection76.77%74.1976.62 Medical Payments127.61%124.33%139.33% Uninsured/Underinsured Motorist Coverage76.36%76.00%74.89%

• If the loss ratio is higher than 100 percent, it means the company paid more in claims than it earned through premiums. This wouldn’t be a profitable situation for any insurance company.

• For medical payments, loss ratio has been consistently over 100 percent which means insurance companies in Washington are making losses on Medical Pay coverage.

• Another coverage option that you must consider in Washington is the – Uninsured/Underinsured Motorist Coverage (UM/UIM). Have you thought about what would happen if you’re hit by an uninsured/underinsured motorist?

• As per data from the Insurance Information Institute, around 17.40 percent of  the motorists in Washington are uninsured which makes it the 7th ranked among states with the highest number of uninsured motorists.

• When you’re hit by a motorist who doesn’t have adequate coverage or no coverage at all, you might have to pay your damages out of pocket. With UM/UIM coverage, you would be covered by your insurance company for any expenses arising out of such accidents.

• Add-ons, Endorsements, and Riders in Washington

• We have covered the basic information about the types of coverage you must have and also some other options that you may need. Apart from those options, insurance providers also offer add-ons and riders for specific situations.

• For instance, your classic car deserves a special policy for its upkeep. You can take a look at all such options below.

• We think that pay-as-you-drive or usage-based insurance should be mentioned specifically for you because we don’t want you to miss the chance of earning discounts.

• Usage-based insurance is a program that rewards good driving behavior through the use of telematics technology wherein a connected device is installed in your car to track your driving pattern. Though every provider uses its own parameters to assess the driving of auto owners, most of the programs record driving speed, braking pattern, miles driven, and acceleration.

• To know whether an insurance provider offers the program, you must check for the information online or connect with an agent. Most of the leading providers have come out with some form of usage-based program to reward auto owners.

• Male vs Female Auto Insurance Rates in Washington

• You must be aware of the fact that premium rates might vary drastically from one person to another. Different factors are taken into account to determine your rates and we will look at the impact of age & gender in this section.

• Insurance ProvidersSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male Allstate F&C$7,306.88$8,456.50$2,206.95$2,292.07$2,076.46$2,054.07$1,919.38$2,011.85 American Family Mutual$7,444.49$10,177.95$1,958.34$2,631.93$1,958.34$1,958.34$1,787.39$1,787.39 Farmers Ins Co of WA$4,781.38$5,126.04$2,651.77$2,761.52$2,106.20$2,160.58$1,928.90$2,179.61 Geico General$3,760.90$4,926.25$2,930.56$2,144.04$1,741.67$1,773.53$1,636.13$1,636.13 First Nat'l Ins Co of America$9,875.56$10,891.02$1,909.10$2,081.18$1,781.98$1,950.41$1,596.99$1,871.63 Allied P&C AXCM$3,703.82$4,511.88$1,642.80$1,773.07$1,379.41$1,410.32$1,282.59$1,334.83 Progressive Direct$7,688.90$8,614.41$1,828.39$1,821.58$1,528.34$1,427.27$1,374.92$1,392.37 State Farm Mutual Auto$4,512.95$5,714.10$1,779.29$2,045.65$1,565.66$1,565.66$1,407.45$1,407.45 USAA$4,883.26$5,777.50$1,433.41$1,569.85$1,133.34$1,118.30$1,090.31$1,091.29

• For single 17-year-old drivers (see table), the rates for auto insurance are significantly higher than the rates for other age groups. After you turn 25, rates stay stable as you get older and other factors take more importance for the calculation of rates.

• In the 17-year-old category, males are charged much higher than their female counterparts because younger males are considered riskier drivers. If you’re a young new driver in Washington, Geico and Allied P&C AXCM would be easy on your pocket.

• You can also see the rankings of insurance carriers by the rates.

• Insurance ProvidersDemographicAverage Annual PremiumsRank First Nat'l Ins Co of AmericaSingle 17-year old male$10,891.021 American Family MutualSingle 17-year old male$10,177.952 First Nat'l Ins Co of AmericaSingle 17-year old female$9,875.563 Progressive DirectSingle 17-year old male$8,614.414 Allstate F&CSingle 17-year old male$8,456.505 Progressive DirectSingle 17-year old female$7,688.906 American Family MutualSingle 17-year old female$7,444.497 Allstate F&CSingle 17-year old female$7,306.888 USAASingle 17-year old male$5,777.509 State Farm Mutual AutoSingle 17-year old male$5,714.1010 Farmers Ins Co of WASingle 17-year old male$5,126.0411 Geico GeneralSingle 17-year old male$4,926.2512 USAASingle 17-year old female$4,883.2613 Farmers Ins Co of WASingle 17-year old female$4,781.3814 State Farm Mutual AutoSingle 17-year old female$4,512.9515 Allied P&C AXCMSingle 17-year old male$4,511.8816 Geico GeneralSingle 17-year old female$3,760.9017 Allied P&C AXCMSingle 17-year old female$3,703.8218 Geico GeneralSingle 25-year old female$2,930.5619 Farmers Ins Co of WASingle 25-year old male$2,761.5220 Farmers Ins Co of WASingle 25-year old female$2,651.7721 American Family MutualSingle 25-year old male$2,631.9322 Allstate F&CSingle 25-year old male$2,292.0723 Allstate F&CSingle 25-year old female$2,206.9524 Farmers Ins Co of WAMarried 60-year old male$2,179.6125 Farmers Ins Co of WAMarried 35-year old male$2,160.5826 Geico GeneralSingle 25-year old male$2,144.0427 Farmers Ins Co of WAMarried 35-year old female$2,106.2028 First Nat'l Ins Co of AmericaSingle 25-year old male$2,081.1829 Allstate F&CMarried 35-year old female$2,076.4630 Allstate F&CMarried 35-year old male$2,054.0731 State Farm Mutual AutoSingle 25-year old male$2,045.6532 Allstate F&CMarried 60-year old male$2,011.8533 American Family MutualMarried 35-year old female$1,958.3434 American Family MutualMarried 35-year old male$1,958.3434 American Family MutualSingle 25-year old female$1,958.3434 First Nat'l Ins Co of AmericaMarried 35-year old male$1,950.4137 Farmers Ins Co of WAMarried 60-year old female$1,928.9038 Allstate F&CMarried 60-year old female$1,919.3839 First Nat'l Ins Co of AmericaSingle 25-year old female$1,909.1040 First Nat'l Ins Co of AmericaMarried 60-year old male$1,871.6341 Progressive DirectSingle 25-year old female$1,828.3942 Progressive DirectSingle 25-year old male$1,821.5843 American Family MutualMarried 60-year old female$1,787.3944 American Family MutualMarried 60-year old male$1,787.3944 First Nat'l Ins Co of AmericaMarried 35-year old female$1,781.9846 State Farm Mutual AutoSingle 25-year old female$1,779.2947 Geico GeneralMarried 35-year old male$1,773.5348 Allied P&C AXCMSingle 25-year old male$1,773.0749 Geico GeneralMarried 35-year old female$1,741.6750 Allied P&C AXCMSingle 25-year old female$1,642.8051 Geico GeneralMarried 60-year old female$1,636.1352 Geico GeneralMarried 60-year old male$1,636.1352 First Nat'l Ins Co of AmericaMarried 60-year old female$1,596.9954 USAASingle 25-year old male$1,569.8555 State Farm Mutual AutoMarried 35-year old female$1,565.6656 State Farm Mutual AutoMarried 35-year old male$1,565.6656 Progressive DirectMarried 35-year old female$1,528.3458 USAASingle 25-year old female$1,433.4159

• Auto Insurance Rates in the 10 Largest Cities of Washington

• ZipcodeAnnual Average PremiumCompared to Average (+/-)City 98118$4,079.22$1,092.53SEATTLE 98108$4,032.13$1,045.44SEATTLE 98168$3,956.75$970.06SEATTLE 98144$3,947.83$961.14SEATTLE 98106$3,946.94$960.25SEATTLE 98126$3,946.53$959.84SEATTLE 98178$3,918.31$931.62SEATTLE 98158$3,898.72$912.03SEATTLE 98188$3,869.30$882.61SEATTLE 98134$3,831.61$844.92SEATTLE 98136$3,812.97$826.28SEATTLE 98146$3,812.22$825.53SEATTLE 98166$3,768.14$781.45SEATTLE 98125$3,765.22$778.53SEATTLE 98116$3,751.78$765.09SEATTLE 98174$3,749.93$763.24SEATTLE 98133$3,743.34$756.65SEATTLE 98131$3,736.26$749.57SEATTLE 98132$3,736.26$749.57SEATTLE 98148$3,734.63$747.94SEATTLE 98122$3,732.90$746.21SEATTLE 98164$3,719.19$732.50SEATTLE 98104$3,710.56$723.87SEATTLE 98115$3,704.22$717.53SEATTLE 98161$3,704.01$717.32SEATTLE 98198$3,694.01$707.32SEATTLE 98177$3,689.53$702.84SEATTLE 98109$3,667.64$680.95SEATTLE 98112$3,641.80$655.11SEATTLE 98102$3,638.14$651.45SEATTLE 98105$3,631.91$645.22SEATTLE 98121$3,619.64$632.95SEATTLE 98155$3,606.89$620.20SEATTLE 98119$3,596.11$609.42SEATTLE 98199$3,589.69$603.00SEATTLE 98101$3,587.54$600.85SEATTLE 98103$3,576.16$589.47SEATTLE 98107$3,571.83$585.14SEATTLE 98117$3,569.91$583.22SEATTLE 98154$3,566.84$580.15SEATTLE 99201$2,976.45($10.24)SPOKANE 99207$2,967.59($19.10)SPOKANE 99205$2,957.86($28.83)SPOKANE 99204$2,940.36($46.33)SPOKANE 99251$2,933.82($52.87)SPOKANE 99202$2,925.45($61.24)SPOKANE 99203$2,909.57($77.12)SPOKANE 99208$2,908.99($77.70)SPOKANE 99258$2,899.38($87.31)SPOKANE 99218$2,892.40($94.29)SPOKANE 99217$2,855.63($131.06)SPOKANE 99223$2,844.01($142.68)SPOKANE 99224$2,800.20($186.49)SPOKANE 99216$2,795.40($191.29)SPOKANE 99206$2,787.79($198.90)SPOKANE 99212$2,784.18($202.51)SPOKANE 98404$3,907.01$920.32TACOMA 98444$3,875.05$888.36TACOMA 98447$3,857.85$871.16TACOMA 98408$3,852.24$865.55TACOMA 98409$3,787.39$800.70TACOMA 98422$3,774.49$787.80TACOMA 98418$3,770.43$783.74TACOMA 98421$3,763.81$777.12TACOMA 98402$3,724.84$738.15TACOMA 98405$3,724.42$737.73TACOMA 98413$3,687.94$701.25TACOMA 98446$3,684.20$697.51TACOMA 98465$3,683.91$697.22TACOMA 98445$3,671.21$684.52TACOMA 98443$3,643.68$656.99TACOMA 98424$3,639.40$652.71TACOMA 98407$3,622.30$635.61TACOMA 98406$3,618.24$631.55TACOMA 98403$3,613.36$626.67TACOMA 98466$3,600.82$614.13TACOMA 98433$3,592.05$605.36TACOMA 98416$3,585.76$599.07TACOMA 98682$3,247.05$260.36VANCOUVER 98683$3,189.01$202.32VANCOUVER 98686$3,187.63$200.94VANCOUVER 98661$3,182.63$195.94VANCOUVER 98684$3,175.59$188.90VANCOUVER 98685$3,150.33$163.64VANCOUVER 98663$3,148.79$162.10VANCOUVER 98664$3,148.79$162.10VANCOUVER 98662$3,135.32$148.63VANCOUVER 98665$3,131.35$144.66VANCOUVER 98660$3,131.28$144.59VANCOUVER 98006$3,418.54$431.85BELLEVUE 98008$3,400.69$414.00BELLEVUE 98007$3,390.85$404.16BELLEVUE 98004$3,378.68$391.99BELLEVUE 98005$3,294.18$307.49BELLEVUE 98031$3,768.74$782.05KENT 98030$3,746.83$760.14KENT 98032$3,705.21$718.52KENT 98042$3,694.80$708.11KENT 98204$3,480.72$494.03EVERETT 98201$3,473.43$486.74EVERETT 98203$3,421.35$434.66EVERETT 98208$3,382.27$395.58EVERETT 98205$3,372.06$385.37EVERETT 98057$3,790.67$803.98RENTON 98055$3,776.55$789.86RENTON 98056$3,706.71$720.02RENTON 98058$3,674.48$687.79RENTON 98059$3,591.61$604.92RENTON 98023$3,772.89$786.20FEDERAL WAY 98003$3,726.88$740.19FEDERAL WAY

• The state-wide average insurance premium is $2,986 and the most expensive cities to buy insurance are Seattle, Tacoma, and Renton. Among all the most populated cities in Washington, only the premiums in Spokane are lower than the average rate.

• Auto Insurance Rates by Zip Code in Washington

• You can search for the average rates in your zip codes and also compare rates offered by different carriers.

• Cheapest ZIP Codes in WashingtonCityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate 98368PORT TOWNSEND$2,461.54Liberty Mutual$3,312.18American Family$3,040.02Nationwide$1,820.10USAA$1,912.00 98382SEQUIM$2,482.65Liberty Mutual$3,343.26American Family$3,076.05Nationwide$1,820.10USAA$1,821.70 98278OAK HARBOR$2,512.24Liberty Mutual$3,560.47American Family$2,989.30USAA$1,745.19Nationwide$1,891.73 98362PORT ANGELES$2,515.10Liberty Mutual$3,509.95American Family$3,040.02Nationwide$1,820.10USAA$1,986.87 98277OAK HARBOR$2,515.42Liberty Mutual$3,560.47American Family$2,989.30USAA$1,726.12Nationwide$1,891.73 98221ANACORTES$2,528.16Liberty Mutual$3,652.24Allstate$3,111.86USAA$1,711.97Nationwide$1,912.08 98245EASTSOUND$2,528.40Liberty Mutual$3,442.69Allstate$3,070.79Nationwide$1,870.56USAA$1,890.06 98261LOPEZ ISLAND$2,534.30Liberty Mutual$3,423.17Allstate$3,111.86Nationwide$1,870.56USAA$1,890.06 98326CLALLAM BAY$2,535.13Liberty Mutual$3,472.71American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 98363PORT ANGELES$2,536.42Liberty Mutual$3,598.12American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 98339PORT HADLOCK$2,540.36Liberty Mutual$3,469.33American Family$3,076.05Nationwide$1,820.10USAA$2,068.16 98250FRIDAY HARBOR$2,541.29Liberty Mutual$3,624.73Allstate$3,111.86USAA$1,765.85Nationwide$1,870.56 98325CHIMACUM$2,546.91Liberty Mutual$3,464.63American Family$3,076.05Nationwide$1,820.10USAA$2,051.90 98239COUPEVILLE$2,547.28Liberty Mutual$3,567.99Progressive$3,000.27Nationwide$1,891.73USAA$1,962.49 98331FORKS$2,548.79Liberty Mutual$3,630.14American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 98305BEAVER$2,560.25Liberty Mutual$3,718.88American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 98225BELLINGHAM$2,560.50Liberty Mutual$3,468.06American Family$3,215.37USAA$1,897.96Nationwide$1,937.63 98226BELLINGHAM$2,564.69Liberty Mutual$3,376.85American Family$3,226.63Nationwide$1,937.63USAA$1,998.33 99163PULLMAN$2,567.07Liberty Mutual$3,688.52American Family$3,494.22USAA$1,760.55Nationwide$1,794.51 99136HAY$2,568.28Liberty Mutual$3,688.52American Family$3,310.40Nationwide$1,794.51State Farm$1,952.71 99333HOOPER$2,570.68Liberty Mutual$3,688.52Allstate$3,485.59USAA$1,760.55Nationwide$1,794.51 98857WARDEN$2,571.68Liberty Mutual$3,483.46American Family$3,310.40Nationwide$1,822.61USAA$1,921.87 99111COLFAX$2,575.68Liberty Mutual$3,688.52American Family$3,434.49Nationwide$1,794.51State Farm$1,952.71 98365PORT LUDLOW$2,577.28Liberty Mutual$3,611.58American Family$3,076.05Nationwide$1,820.10USAA$2,051.90 99125ENDICOTT$2,580.52Liberty Mutual$3,688.52American Family$3,434.49Nationwide$1,794.51State Farm$1,952.71

• Port Townsend has the cheapest zip code, while Seattle has some of the most expensive car insurance rates.

• Most Expensive ZIP Codes in Washington CityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate 98118SEATTLE$4,079.23American Family$5,926.17Liberty Mutual$5,257.26USAA$2,872.67Nationwide$2,911.83 98108SEATTLE$4,032.13American Family$5,698.95Liberty Mutual$5,084.70USAA$2,820.35Nationwide$2,911.83 98168SEATTLE$3,956.75American Family$5,534.73Liberty Mutual$5,133.20USAA$2,534.97Nationwide$2,796.55 98144SEATTLE$3,947.84American Family$5,269.57Liberty Mutual$4,923.17USAA$2,730.82Nationwide$2,911.83 98106SEATTLE$3,946.95American Family$5,269.57Liberty Mutual$5,121.42USAA$2,781.61Nationwide$2,911.83 98126SEATTLE$3,946.53Liberty Mutual$5,427.31American Family$5,269.57USAA$2,689.39Nationwide$2,911.83 98178SEATTLE$3,918.31American Family$5,260.03Liberty Mutual$5,020.17Nationwide$2,796.55USAA$2,915.44 98404TACOMA$3,907.01Liberty Mutual$5,237.40Allstate$4,925.98Nationwide$2,620.93USAA$2,877.60 98158SEATTLE$3,898.72American Family$5,534.73Liberty Mutual$5,156.82USAA$2,471.62Nationwide$2,694.23 98444TACOMA$3,875.05Liberty Mutual$5,480.53Allstate$4,797.69Nationwide$2,620.93USAA$2,744.14 98188SEATTLE$3,869.30American Family$5,534.73Liberty Mutual$5,300.63USAA$2,471.62Nationwide$2,703.77 98447TACOMA$3,857.85Liberty Mutual$5,480.53Allstate$4,797.69Nationwide$2,620.93USAA$2,744.14 98408TACOMA$3,852.24Liberty Mutual$5,287.27Allstate$4,925.98Nationwide$2,620.93USAA$2,796.05 98134SEATTLE$3,831.61American Family$5,269.57Liberty Mutual$5,247.71Nationwide$2,575.17Geico$2,580.97 98136SEATTLE$3,812.97American Family$5,260.03Liberty Mutual$4,990.17USAA$2,654.45State Farm$2,911.32 98146SEATTLE$3,812.22American Family$5,260.03Liberty Mutual$4,800.78USAA$2,694.59Nationwide$2,796.55 98057RENTON$3,790.67American Family$5,260.03Liberty Mutual$5,163.65Nationwide$2,571.50USAA$2,813.89 98409TACOMA$3,787.39Liberty Mutual$5,101.97Allstate$4,598.34Nationwide$2,620.93USAA$2,808.78 98055RENTON$3,776.55American Family$5,260.03Liberty Mutual$5,163.65Nationwide$2,571.50USAA$2,813.89 98422TACOMA$3,774.49Allstate$4,925.98Liberty Mutual$4,907.14Nationwide$2,620.93USAA$2,705.65 98023FEDERAL WAY$3,772.89Liberty Mutual$4,827.97American Family$4,646.13Nationwide$2,786.48USAA$2,792.23 98418TACOMA$3,770.43Liberty Mutual$5,287.27Allstate$4,598.34USAA$2,296.38Nationwide$2,620.93 98031KENT$3,768.74Liberty Mutual$4,856.97American Family$4,818.72Nationwide$2,703.77USAA$2,708.12 98166SEATTLE$3,768.14American Family$5,132.10Liberty Mutual$4,964.65USAA$2,549.27Nationwide$2,694.23 98125SEATTLE$3,765.22American Family$5,088.26Liberty Mutual$5,068.33USAA$2,673.53Nationwide$2,705.40

• Auto Insurance Rates by City in Washington

• The tables below break down auto insurance rates by city.

• Cheapest Cities in Washington Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate Port Townsend$2,461.54Liberty Mutual$3,312.18American Family$3,040.02Nationwide$1,820.10USAA$1,912.00 Carlsborg$2,482.64Liberty Mutual$3,343.26American Family$3,076.05Nationwide$1,820.10USAA$1,821.70 Whidbey Island Station$2,512.24Liberty Mutual$3,560.47American Family$2,989.30USAA$1,745.19Nationwide$1,891.73 Oak Harbor$2,515.42Liberty Mutual$3,560.47American Family$2,989.30USAA$1,726.12Nationwide$1,891.73 Port Angeles$2,525.76Liberty Mutual$3,554.04American Family$3,040.02Nationwide$1,844.45USAA$1,970.58 Anacortes$2,528.16Liberty Mutual$3,652.24Allstate$3,111.86USAA$1,711.97Nationwide$1,912.08 Eastsound$2,528.40Liberty Mutual$3,442.69Allstate$3,070.79Nationwide$1,870.56USAA$1,890.06 Lopez Island$2,534.30Liberty Mutual$3,423.17Allstate$3,111.86Nationwide$1,870.56USAA$1,890.06 Clallam Bay$2,535.12Liberty Mutual$3,472.71American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 Port Hadlock-Irondale$2,540.36Liberty Mutual$3,469.33American Family$3,076.05Nationwide$1,820.10USAA$2,068.16 Friday Harbor$2,541.29Liberty Mutual$3,624.73Allstate$3,111.86USAA$1,765.85Nationwide$1,870.56 Chimacum$2,546.91Liberty Mutual$3,464.63American Family$3,076.05Nationwide$1,820.10USAA$2,051.90 Coupeville$2,547.28Liberty Mutual$3,567.99Progressive$3,000.27Nationwide$1,891.73USAA$1,962.49 Forks$2,548.79Liberty Mutual$3,630.14American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 Beaver$2,560.25Liberty Mutual$3,718.88American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 Hay$2,568.28Liberty Mutual$3,688.52American Family$3,310.40Nationwide$1,794.51State Farm$1,952.71 Bellingham$2,569.25Liberty Mutual$3,407.26American Family$3,219.12Nationwide$1,937.63USAA$1,971.40 Hooper$2,570.67Liberty Mutual$3,688.52Allstate$3,485.59USAA$1,760.55Nationwide$1,794.51 Warden$2,571.68Liberty Mutual$3,483.46American Family$3,310.40Nationwide$1,822.61USAA$1,921.87 Colfax$2,575.68Liberty Mutual$3,688.52American Family$3,434.49Nationwide$1,794.51State Farm$1,952.71 Port Ludlow$2,577.28Liberty Mutual$3,611.58American Family$3,076.05Nationwide$1,820.10USAA$2,051.90 Endicott$2,580.52Liberty Mutual$3,688.52American Family$3,434.49Nationwide$1,794.51State Farm$1,952.71 Marrowstone$2,580.67Liberty Mutual$3,520.43American Family$3,076.05Nationwide$1,820.10USAA$2,068.16 Sekiu$2,586.92Liberty Mutual$3,868.27American Family$3,040.02Nationwide$1,868.80USAA$1,954.28 Quilcene$2,587.08Liberty Mutual$3,885.74American Family$3,076.05Nationwide$1,820.10USAA$2,051.90

• Port Townsend, the city with the cheapest zip code, also has the lowest rates.

• Most Expensive Cities in Washington Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate Boulevard Park$3,994.44American Family$5,616.84Liberty Mutual$5,108.95USAA$2,677.66Nationwide$2,854.19 Bryn Mawr-Skyway$3,918.31American Family$5,260.03Liberty Mutual$5,020.17Nationwide$2,796.55USAA$2,915.44 Midland$3,907.01Liberty Mutual$5,237.40Allstate$4,925.98Nationwide$2,620.93USAA$2,877.60 Parkland$3,875.04Liberty Mutual$5,480.53Allstate$4,797.69Nationwide$2,620.93USAA$2,744.14 SEATAC$3,869.30American Family$5,534.73Liberty Mutual$5,300.63USAA$2,471.62Nationwide$2,703.77 Renton$3,783.61American Family$5,260.03Liberty Mutual$5,163.65Nationwide$2,571.50USAA$2,813.89 Browns Point$3,774.49Allstate$4,925.98Liberty Mutual$4,907.14Nationwide$2,620.93USAA$2,705.65 Burien$3,771.66American Family$5,217.39Liberty Mutual$4,889.82USAA$2,571.83Nationwide$2,728.33 Algona$3,750.43Liberty Mutual$5,177.43American Family$4,593.45Nationwide$2,633.52USAA$2,747.15 Federal Way$3,749.88Liberty Mutual$4,761.79American Family$4,603.10Nationwide$2,786.48USAA$2,860.16 Kent$3,726.02Liberty Mutual$4,762.20American Family$4,760.96Nationwide$2,668.65USAA$2,790.43 Seattle$3,724.65American Family$5,076.81Liberty Mutual$5,060.37USAA$2,613.06Nationwide$2,687.32 East Hill-Meridian$3,721.61Liberty Mutual$4,836.29American Family$4,750.66Nationwide$2,637.64USAA$2,674.33 Auburn$3,710.10Liberty Mutual$4,833.42American Family$4,658.57Nationwide$2,633.52USAA$2,773.88 Tacoma$3,707.36Liberty Mutual$4,982.08Allstate$4,662.26Nationwide$2,620.93USAA$2,647.08 Newcastle$3,706.71Liberty Mutual$4,895.49American Family$4,682.60Nationwide$2,579.34USAA$2,604.43 Seahurst$3,698.19Liberty Mutual$4,964.65Allstate$4,399.28USAA$2,635.41Nationwide$2,694.23 Covington$3,694.80Liberty Mutual$5,028.45American Family$4,673.55Nationwide$2,625.11USAA$2,706.99 Des Moines$3,694.01American Family$5,132.10Liberty Mutual$4,586.21USAA$2,551.88Nationwide$2,703.77 Clover Creek$3,677.71Liberty Mutual$5,138.08Allstate$4,676.26Nationwide$2,620.93USAA$2,713.67 Milton$3,654.19Allstate$5,160.65Liberty Mutual$4,584.59Nationwide$2,601.58USAA$2,756.13 Pacific$3,650.77American Family$4,721.34Liberty Mutual$4,482.65Nationwide$2,633.52USAA$2,747.15 Waller$3,643.68Allstate$5,002.33Liberty Mutual$4,985.35Nationwide$2,620.93USAA$2,743.96 Fife$3,639.40Allstate$4,925.98Liberty Mutual$4,741.12Nationwide$2,601.58USAA$2,732.13 Lakewood$3,626.43Allstate$4,730.41Liberty Mutual$4,636.39USAA$2,577.37Nationwide$2,620.93

• Affordable Insurance Options Across Washington Cities

• Discover the most cost-effective insurance choices in Spokane, Tacoma, and Vancouver, Washington. This guide compares rates to help you find the best coverage for your needs in these key cities.

• Find the Cheapest Insurance in Your City Spokane, WA Tacoma, WA Vancouver, WA

• Enter your ZIP code below to compare auto insurance rates.

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• Best Car Insurance Companies in Washington

• After you have decided which coverage options are the best for you, the next level of research involves finding an insurance provider suitable for your needs.

• If finding the cheapest rate is the most important factor for you – then you should look for a provider who offers that rate but always remember to check a few details – such as financial ratings, company reviews, and complaint numbers – about any company before buying a policy.

• Reviewing these basic details about insurance providers would give you a clear picture of their financial standing and customer service standards.

• Financial Ratings of the Leading Insurance Providers in Washington

• Leading Insurance ProvidersA.M. Best Ratings State Farm GroupA++ GeicoA++ Liberty Mutual GroupA Allstate Insurance GroupA+ Progressive GroupA+ USAA GroupA++ Farmers Insurance GroupA PEMCO Mutual Insurance CoB++ American Family Insurance GroupA Hartford Fire & Casualty GroupA+

• A.M. Best Ratings are an indicator of the financial strength of insurance providers in the long-run or their ability to meet the long-term contractual obligations.

• Since not every consumer has the time or knowledge to assess the financial well-being of insurers to check whether their claims would be settled in the future, it’s a good practice to check ratings from a certified credit rating agency.

• Although there are five credit rating agencies – A.M. Best, Fitch, Kroll Bond Rating Agency, Moody’s, and Standard & Poor’s – we have collected data from A.M. Best because of its unique focus on the insurance sector.

• A.M. Best assigns ratings in the scale of A++ to D which range from insurance providers superior to poor ability in meeting their insurance obligations in the long-term. You should also check the ratings from other agencies to validate the analysis of A.M. Best.

• Customer Reviews of Car Insurance Providers in Washington

• How can you know whether customers are satisfied with an insurance provider? By checking online reviews, seeking opinions from colleagues & acquaintances, or by browsing through customer satisfaction surveys.

• The annual customer satisfaction survey from J.D. Power can be a good starting point in your research.

• J.D. Power, a global marketing information company, assesses auto insurance companies on five factors in its survey which are – interaction, policy offerings, price, billing process and policy information, and claims.

• As per the results of the survey, customers were most satisfied with the services of PEMCO insurance followed by The Hartford and American Family in the Northwest region of America.

• The survey also found that overall customer satisfaction has been rising with the introduction of digital technologies resulting in the adoption of direct distribution models.

• Those consumers who prefer to do everything by themselves online would be happier with the new-age auto insurers.

• Do note that PEMCO insurance has received a B++ rating which means a good ability to meet its insurance obligations yet has some of the best customer reviews.

• Complaint Numbers of Leading Car Insurers in Washington

• Leading Insurance ProvidersComplaint Numbers State Farm Group1482 Geico333 Liberty Mutual Group222 Allstate Insurance Group163 Progressive Group120 USAA Group296 Farmers Insurance Group0 PEMCO Mutual Insurance Co4 American Family Insurance Group73 Hartford Fire & Casualty Group9

• You can see the number of complaints against the leading car insurance providers in the table. If there are more than the usual number of complaints, it’s a warning signal for you.

• You can also check the website of the National Association of Insurance Commissioners to get complaint data for any provider.

• Auto Premiums by Car Insurance Carriers in Washington

• Insurance ProvidersAverage Annual PremiumsCompared to State Average (+/-)Percentage Change Allstate F&C$3,540.52$553.8315.64% American Family Mutual$3,713.02$726.3319.56% Farmers Ins Co of WA$2,962.00-$24.69-0.83% Geico General$2,568.65-$418.04-16.27% First Nat'l Ins Co of America$3,994.73$1,008.0425.23% Allied P&C AXCM$2,129.84-$856.85-40.23% Progressive Direct$3,209.52$222.836.94% State Farm Mutual Auto$2,499.78-$486.91-19.48% USAA$2,262.16-$724.53-32.03%

• The annual average premium in Washington is $2,986 and the cheapest rates are offered by Allied P&C AXCM, USAA, State Farm, and Geico. Do remember that USAA offers coverage only to members of the military and their families.

• Auto Insurance Rates by Commute Rate in Washington

• Remember what we talked about for usage-based insurance? Though these types of programs are quite popular now, carriers have been offering different sorts of discounts depending on the driving patterns of auto-owners since long.

• One such example is the discounts offered for low daily or annual mileage of commuters. If you clock low miles on average, your premiums would be lower than others.

• Insurance Providers10 miles commute/6000 annual mileage25 miles commute/12000 annual mileage Allstate$3,540.52$3,540.52 American Family$3,636.77$3,789.27 Farmers$2,962.00$2,962.00 Geico$2,536.39$2,600.92 Liberty Mutual$3,994.73$3,994.73 Nationwide$2,129.84$2,129.84 Progressive$3,209.52$3,209.52 State Farm$2,431.07$2,568.48 USAA$2,239.79$2,284.53

• In the table, you can see that American Family, Geico, State Farm, and USAA offer a slightly lower rate for commuters clocking only 10 miles per day.

• Auto Insurance Rates by Coverage Level in Washington

• Insurance ProvidersLowMediumHigh Allstate$3,340.56$3,529.25$3,751.75 American Family$3,514.54$3,708.11$3,916.41 Farmers$2,760.41$2,963.13$3,162.46 Geico$2,415.05$2,570.26$2,720.65 Liberty Mutual$3,755.57$4,001.80$4,226.82 Nationwide$2,015.38$2,129.08$2,245.06 Progressive$2,916.39$3,128.02$3,584.15 State Farm$2,334.70$2,510.27$2,654.36 USAA$2,119.91$2,260.74$2,405.82

• The level of coverage you choose can considerably increase or decrease your premium rates.

• If you have a tight budget, you can buy low coverage to get the cheapest rates. However, lower coverage also means a higher level of risk and if you have a lot of personal assets, you could lose those in the event of a severe accident.

• Auto Insurance Rates by Credit History in Washington

• Insurance ProvidersPoorFairGood Allstate$4,390.41$3,354.12$2,877.04 American Family$4,383.33$3,578.15$3,177.58 Farmers$3,619.24$2,726.81$2,539.95 Geico$3,057.61$2,446.29$2,202.06 Liberty Mutual$5,710.24$3,515.42$2,758.54 Nationwide$2,532.91$1,993.82$1,862.79 Progressive$3,538.50$3,154.29$2,935.78 State Farm$3,631.16$2,177.12$1,691.05 USAA$2,854.97$2,092.36$1,839.15

• Your credit history impacts your insurance rates worse than many other factors. Since the ability to meet future premium payments isn’t certain for those with poor credit scores, insurance carriers charge extra over the basic rate.

• You can see the rate differences for all the insurers in the table above – insurers like Liberty Mutual charge almost $3,000 more for auto insurance from those with a poor credit record.

• As per the State of Credity survey in 2017, the average vantage score of Washington was 693 while the national average was 675. Vantage score is a consumer credit rating system developed jointly by Equifax, Experian, and TransUnion.

• For a poor credit score in Washington, the annual premium rates are $1,563 more than the base rate.

• Here’s a short video on what all factors can impact your premium rates.

• Auto Insurance Rates by Driving History in Washington

• Insurance ProvidersClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation Allstate$2,978.15$3,724.36$4,127.71$3,331.86 American Family$2,978.87$3,811.59$4,412.26$3,649.37 Farmers$2,454.67$3,052.21$3,295.93$3,045.19 Geico$1,980.32$2,534.71$3,779.26$1,980.32 Liberty Mutual$3,409.23$4,290.97$4,379.12$3,899.59 Nationwide$1,657.44$2,240.59$2,810.03$1,811.31 Progressive$2,600.49$4,063.71$3,035.03$3,138.85 State Farm$2,273.58$2,726.00$2,499.77$2,499.77 USAA$1,664.33$2,409.13$3,008.40$1,966.78

• Since the probability of claims increase if you’re a risky driver, you’re charged a higher premium when you have been involved in an accident or traffic violation in the past.

• Depending on the type of record, insurance carriers determine your rate. Most of the insurers charge the highest from motorists with a DUI record.

• Leading Car Insurance Companies in Washington

• RankInsurance ProvidersDirect Written PremiumsLoss RatioMarket Share 1State Farm Group$867,12166.82%16.75% 2Geico$563,54373.35%10.89% 3Liberty Mutual Group$549,85366.42%10.62% 4Allstate Insurance Group$485,50855.27%9.38% 5Progressive Group$440,83962.83%8.52% 6USAA Group$406,04879.28%7.85% 7Farmers Insurance Group$384,64559.54%7.43% 8PEMCO Mutual Insurance Co$287,31366.30%5.55% 9American Family Insurance Group$178,68478.07%3.45% 10Hartford Fire & Casualty Group$127,97973.22%2.47%

• Number of Car Insurance Providers in Washington

• Type of InsurerNumber Foreign854 Domestic7

• Free Auto Insurance Comparison Enter your ZIP code below to compare auto insurance rates.  Secured with SHA-256 Encryption

• Free Auto Insurance Comparison

• Enter your ZIP code below to compare auto insurance rates.

•  Secured with SHA-256 Encryption

• State Laws in Washington

• Knowing about the types of insurance coverage and best car insurance companies isn’t enough as you need to follow the state laws related to car insurance and driving so that you can stay out of trouble on the road.

• Many motorists end up paying unnecessarily high premiums because of a traffic violation they weren’t aware of. Or some motorists miss out on new regulations because they weren’t keeping track.

• In this section, we will talk about all the laws that may come in handy while you’re driving.

• Car Insurance Laws in Washington

• What you pay in insurance premiums is regulated by the state. No insurance company is allowed to charge as per their whim.

• To regulate rates, each state has to follow one of the mechanisms – determined by Commissioner; prior approval; modified prior approval; flex rating; file and use; use and file; and no file.

• In Washington, insurance companies have to take prior approval before using rates which should be first filed and approved by the state insurance department.

• Apart from rate approvals, financial responsibility and tort laws are also decided by the state which have a significant influence on how liability is determined in accidents.

• With respect to windshield coverage, Washington doesn’t have any specific laws. However, there are requirements specific to obstructions and cracks on the windshields.

• If you have a stellar driving record, you wouldn’t know about high-risk car insurance in Washington. You would be surprised to know that high-risk drivers, those who have accumulated a couple of records, can be denied coverage by insurance providers.

• Where would high-risk drivers go, as buying car insurance is mandatory to drive in Washington?

• The Washington State Legislature has created an Automobile Insurance Plan to provide insurance to high-risk drivers in which all insurance providers authorized to write policies in Washington must participate.

• How does the High-Risk Automobile Insurance Plan work?

• All high-risk applicants are placed in a pool and assigned an insurance provider with whom they have to buy coverage which lasts for three years usually.

• These insurance providers insure a percentage of the high-risk drivers in proportion to their market share in Washington.

• What is the eligibility for the plan?

• To apply for the plan, you must have a registered Washington vehicle and driving license issued by the state. You would need to prove that you were unable to obtain coverage from the market in the last 60 days.

• Your best option would be to get a policy in the voluntary market, but if your application is getting rejected by insurers, you should approach an agent for the high-risk plan. Do remember that the premiums are exorbitantly high if you’re high risk.

• Here’s some advice on how to improve your record to get cheap insurance.

• Insurance fraud can be committed by any party involved in an insurance transaction – such as applicants, policyholders, insurance providers, or professional service firms who are serving the needs of claimants.

• The annual cost of property & casualty insurance fraud was $30 billion from 2013-17 as per estimates by insurance industry. And, auto insurance is one of the most vulnerable lines for an insurance fraud.

• Auto insurance fraud includes filing an incorrect claim amount, staging accidents, submitting claims for accidents that never happened, and concealing or providing incorrect information on the insurance application.

• Who do you think bears the cost of insurance fraud?

• Since losses from insurance frauds end up in the books of insurers, they pass on the cost to policyholders by charging higher premiums.

• Premiums in your city or zip code might be high because of the high number of insurance frauds as rates differ between zip codes.

• Insurance fraud law in Washington

• As per the state legislature, fraudulent claims are considered a gross misdemeanor and it’s considered a class C felony if the claim amount is more than $1,500.

• You should try to prevent fraud if you come across a person or situation that seems fraudulent and report the same to the Office of the Insurance Commissioner.

• The law in each state enforces a strict time limit to bring a lawsuit against the at-fault party after a car accident. In Washington, you have three years from the date of the accident to sue for personal injuries and property damage.

• Vehicle Licensing Laws in Washington

• Licensing regulations keep changing with time – sometimes there are modifications to teen licensing procedures and other times there might be a new security protocol that requires the issuance of new licenses.

• We are including the important licensing regulations that might be useful to you, but it would help if you update yourself from time to time about these.

• Federal security standards better known as the Real ID Act, established in 2005, require the compliance of all states for the issuance of identification documents.

• Driver’s licenses and other identification documents issued by states are important to the overall security framework.

• Starting in October 2020, residents of Washington would be allowed to enter certain federal facilities and fly by commercial airlines only when they present their Real ID compliant identification document or driver’s license. You would still be allowed to use your federal ID for these purposes if you don’t have Real ID documents.

• Here’s an interesting video explaining the Real ID Act.

• Though you can use your passport to access certain federal facilities and travel by air, you should genuinely consider getting a Real ID license because it will make your life easier and help the government in identity checks.

• To get a Real ID license, you should visit the Department of Licensing in Washington with all the requisite documents.

• Buying car insurance coverage is mandatory in Washington and failure to do so can result in fines of $550 and more. If you’re the at-fault party in an accident without the required coverage, your license could be suspended if you’re unable to pay damages.

• When you’re stopped by a law enforcement officer, you must show the proof of auto insurance otherwise you would get a ticket.

• Getting your first driver’s license as a teenager can be an enthralling experience but you have to do everything right to obtain one and then maintain a good driving record.

• Because insurance premiums for teenagers are quite steep, you would not want to get a ticket that might raise your rates further.

• In 2016, 2,433 teenagers between the age of 16 and 19 were killed in motor vehicle accidents and 292,742 received emergency treatments as a result of injuries.

• Facts like these make lawmakers more strict when it comes to teenage driving. Let’s look at licensing regulations for teens in Washington.

• Instruction Permit: To get an instruction permit, you must be at least 15 and enroll in a driver training program. If you’re older than 15 years and six months, you have to take the knowledge test to get the permit.

• However, you must take the driving course to get a license.

• After you apply for an instruction permit, your driver training school sends a waiver to the Department of Licensing which issues the instruction permit to you.

• You must follow certain restrictions while driving with an instruction permit:

• Read More: How to Teach Your Teen to Drive

• Permanent License: After you have held the instruction permit for six months, you can apply for a permanent driver’s license. You should meet the following requirements for a permanent license:

• You can only get a driver’s license if you haven’t been convicted of a traffic violation six months prior to the application for a license or a drug/alcohol offense while driving with the instruction permit.

• Intermediate Driver’s License: Drivers under the age of 18 are issued an intermediate license after the instruction permit which automatically converts to a permanent license when the driver turns 18.

• You must follow a few restrictions if you’re under 18 years old:

• Penalties for Violations

• One of the first safety measures for new drivers is buying an appropriate car which is safe as well as affordable. Take a look at these options for teenage drivers.

• Driver’s license in Washington needs to be renewed every six years. If you’re under the age of 24 or over 74, you will have to visit a driver licensing office for renewal.

• If you’re eligible for online renewal, you can do so through License eXpress. The renewal fee is $9 per year.

• When can you renew your license?

• You can renew your license one year before the expiration date (usually your birthday) or up to 60 days after expiration. After 60 days, you would be charged an extra $10 for renewal.

• Moving to a new state means a lot of excitement as well as paperwork. And, renewing your driver’s license and plates is one of them.

• As per the state’s law, you must convert your out-of-state license to a Washington license within 30 days of establishing residency.

• Do note the following related to your driver’s license after moving to Washington:

• Rules of the Road in Washington

• Abiding by the rules of the road anywhere in your state is the best way to keep your auto premiums in check. And, if you happen to follow all the rules and drive safely, you can also get discounts under usage-based insurance programs.

• Washington follows the traditional fault system to determine liability in an accident. If you’re the at-fault party in an accident, you would be responsible to pay off the damages to the injured party/parties.

• A person who suffers injuries in an accident can pursue one of the following approaches for reimbursement:

• In traffic accidents, 22 percent of the fatalities involved a person not restrained by a seat belt in Washington. The good thing is Washington has a 95 percent seat belt usage as per data from 2016.

• Washington’s state law mandates everyone who’s 16 years old or above to wear a seat belt while driving or riding in a motor vehicle.

• Any violations of the seat belt laws can lead to fines up to $124 per person.

• Children below the age of 16 should be restrained in car seats for which the state legislature recently implemented new regulations.

• The updated law would be effective from Jan. 1, 2020. Under the new law:

• The state law requires motorists to keep right while driving except when there’s an obstruction ahead or you need to pass.

• On all roads with sufficient width, or two or more lanes, a car should be driven on the right except the following circumstances:

• The state also requires you to move over to the adjacent lane or slow-down reasonably if you’re approaching a stationary emergency vehicle which may be any of the following:

• Taking cues from the posted speed limits is your best bet, but if nothing is posted you can follow these speed limits.

• Type of RoadSpeed Limits Freeways and Interstates (Designated sections)75 mph Rural Freeways70 mph Rural Two-lane highways60 mph Urban Freeways60 mph Roads with Traffic Lights50 mph Roads within Cities or Towns25 mph School Zones20 mph

• Transport Network Companies (TNC) or ridesharing companies have become a ubiquitous part of our lives. We can’t think of city life without Uber or Lyft.

• Since these companies began operations a few years back, there have been many discussions regarding regulations that would make it safe for everyone involved in a ridesharing transaction.

• In 2015, a new ridesharing law was passed in Washington which promarily focused on the insurance requirements of the motor vehicles. Drivers are required to carry a minimum liability and uninsured motorist coverage of $1 million during the ride arranged through an app.

• When the TNC driver is logged in the app and waiting to pick up a passenger, he must have bodily liability coverage of $50,000 per person/$100,000 per accident and $30,000 for property damage.

• Around the country, there’s a lot of speculation about the safety of autonomous vehicles but Washington Gov. Jay Inslee is hopeful that Washington will be a major hub for driverless cars.

• In his own words, “We are going to be the future of the electrification of the transportation system and the autonomous vehicle center of the U.S.”

• In 2018, the state set out a budget of $600,000 for research that would help them in converting the diesel-run ferries to hybrid electric.

• As per the Governor, around 24 companies are working on self-driving technology in the state now, after it signed an executive order encouraging companies to test driverless vehicles.

• The order included safety and protection of everyone while these vehicles are being tested – and requires compliance with regulations, certification from the Department of Licensing, and financial responsibility.

• The Washington State Legislature also signed an order to form an Autonomous Vehicle Work Group that would develop policy recommendations for the operation of driverless vehicles.

• Safety Laws in Washington

• The main motive behind the implementation of rules of the road is to maintain safety for everyone. And, nothing makes people more vulnerable on roads than distracted driving or driving under the influence of drugs/alcohol.

• Let’s look at the safety laws in Washington.

• In Washington, a driver is determined to driving under the influence of alcohol or drugs when:

• You would have to face severe penalties if you’re convicted for DUI in Washington if your BAC level is lower than 0.15 percent.

• OffensePrison TimeFines First OffenseJail Time: 1 day Electronic home monitoring of 15 days or 30 days in 24/7 Sobriety Program$350 to $5,000 Second OffenseJail Time: 30 days$500 to $5,000 Third OffenseJail Time: 90 days$1,000 to $5,000

• Your penalties would be enhanced if your BAC level is more than 0.15 percent.

• Washington is amongst the few states that has implemented marijuana-impaired driving laws.

• A driver can be convicted for DUI if he/she is found with a THC concentration of 5.00 or more through an analysis of blood.

• Washington has taken the distracted driving laws to another level – you aren’t allowed to hold an electronic device while driving, even if you’re waiting at a traffic signal. In fact, the law also bans applying makeup or eating while driving.

• You can still use hands-free electronic devices but it’s recommended to just use it before you start driving. Also, there’s a complete ban on texting.

• Penalties for violations:

• These violations are also reported to your car insurance company which can raise your rates.

• Driving in Washington

• Driving in each state is different, a lot of factors impact your experience, such as population density, car ownership in households, fatal crashes, number of thefts, etc.

• Some of these are even taken into consideration to calculate your rates depending on how much a factor influences the probability of an accident.

• We would cover some facts and figures related to these factors in this section.

• Vehicle Theft in Washington

• VehicleTotal Thefts (2016) Honda Accord3,757 Honda Civic3,113 Ford Pickup (Full Size)745 Acura Integra640 Toyota Camry602 Subaru Legacy599 Chevrolet Pickup (Full Size)562 Jeep Cherokee/Grand Cherokee362 Toyota Corolla332 Nissan Sentra296

• In Washington, the popular choice for vehicle thefts is Honda. You can also search for the number of thefts in your city from this data provided by the FBI.

• CityMotor Vehicle Theft Aberdeen61 Airway Heights28 Algona2 Anacortes20 Arlington107 Auburn2653 Bainbridge Island7 Battle Ground23 Bellevue309 Bellingham164 Bingen1 Black Diamond0 Blaine9 Bonney Lake58 Bothell106 Bremerton200 Brier1 Buckley0 Burien3543 Camas36 Carnation36 Castle Rock2 Centralia115 Chehalis32 Cheney23 Chewelah3 Cle Elum3 Clyde Hill2 College Place20 Colville5 Connell1 Cosmopolis1 Covington360 Darrington4 Des Moines242 Dupont5 Duvall3 East Wenatchee14 Eatonville6 Edgewood38 Edmonds71 Ellensburg49 Elma12 Enumclaw24 Ephrata22 Everett938 Everson1 Federal Way944 Ferndale24 Fife161 Fircrest7 Forks2 Gig Harbor23 Gold Bar4 Goldendale7 Grand Coulee13 Grandview28 Granite Falls18 Hoquiam21 Ilwaco5 Issaquah103 Kalama4 Kelso45 Kenmore344 Kennewick189 Kent1,314 Kettle Falls1 Kirkland226 Kittitas0 La Center7 Lacey126 Lake Forest Park23 Lake Stevens80 Lakewood378 Liberty Lake17 Long Beach11 Longview142 Lynden4 Lynnwood180 Mabton6 Maple Valley337 Marysville301 Mattawa11 Medina0 Mercer Island22 Mill Creek45 Milton46 Monroe49 Montesano2 Morton1 Moses Lake85 Mossyrock1 Mountlake Terrace86 Mount Vernon121 Moxee1 Mukilteo49 Napavine6 Newcastle325 Normandy Park17 North Bend9 Oak Harbor27 Oakville0 Ocean Shores2 Odessa1 Olympia204 Oroville0 Orting15 Othello30 Pacific38 Pasco167 Port Angeles55 Port Orchard66 Port Townsend11 Poulsbo27 Prosser16 Pullman10 Puyallup226 Quincy15 Raymond0 Reardan1 Redmond111 Renton881 Richland51 Ridgefield12 Ritzville5 Roy3 Royal City7 Ruston11 Sammamish339 SeaTac3471 Seattle3,630 Sedro Woolley24 Selah10 Sequim11 Shelton46 Shoreline3176 Snohomish50 Snoqualmie9 Soap Lake2 South Bend1 Spokane1,737 Spokane Valley435 Stanwood22 Steilacoom9 Sultan15 Sumas2 Sumner65 Sunnyside52 Tacoma2,086 Tenino3 Toledo0 Toppenish70 Tumwater96 Twisp2 Union Gap39 University Place88 Vancouver1,063 Walla Walla66 Wapato54 Warden17 Washougal18 Wenatchee48 West Richland6 White Salmon4 Winlock3 Winthrop0 Woodinville353 Woodland22 Woodway0 Yakima564 Yelm30 Zillah3

• Road Fatalities in Washington

• Fatal crashes happen due to a lot of reasons, let’s look at what’s causing most of the crashes in Washington through data provided by the National Highway Traffic Safety Administration.

• The Washington section of the I-5 is the busiest and most dangerous in the state reporting 25 fatal crashes each year. The highway has seen 245 crashes and 258 fatalities.

• Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal Normal1988888281403 Rain2716171061 Snow/Sleet6451016 Other2370113 Unknown159132443 Total248120130326536

• County Name20132014201520162017 Adams County5811510 Asotin County00121 Benton County910112215 Chelan County78662 Clallam County646711 Clark County2035242028 Columbia County00100 Cowlitz County1497512 Douglas County27361 Ferry County41242 Franklin County665810 Garfield County02002 Grant County2413171916 Grays Harbor County745710 Island County61955 Jefferson County33822 King County8083109100111 Kitsap County816182117 Kittitas County3381912 Klickitat County84123 Lewis County56141314 Lincoln County12653 Mason County128876 Okanogan County7961011 Pacific County30150 Pend Oreille County54332 Pierce County4248667357 San Juan County01110 Skagit County101114811 Skamania County04832 Snohomish County3233534442 Spokane County3629362641 Stevens County710984 Thurston County1415141719 Wahkiakum County00110 Walla Walla County411752 Whatcom County1815111225 Whitman County44658 Yakima County2435353048

• TypeNumber of Fatalities Traffic Fatalities 565 Passenger Vehicle Occupant Fatalities (All Seat Positions)345 Motorcyclist Fatalities80 Drivers Involved in Fatal Crashes817 Pedestrian Fatalities103 Bicyclist and other Cyclist Fatalities 14

• Person Type20132014201520162017 Passenger Car183177230192190 Light Truck - Pickup5256675463 Light Truck - Utility4246436464 Light Truck - Van1017171925 Large Truck553109 Other/Unknown Occupants94968 Total Occupants301307375348362 Light Truck - Other01133 Bus01500 Total Motorcyclists7369758180 Pedestrian49758483103 Bicyclist and Other Cyclist117141714 Other/Unknown Nonoccupants24376 Total Nonoccupants6286101107123 Total436462551536565

• Crash TypeNumber of Fatalities (2017) Single Vehicle340 Involving a Large Truck77 Involving Speeding172 Involving a Rollover101 Involving a Roadway Departure306 Involving an Intersection (or Intersection Related)122

• County20132014201520162017 King County8083109100111 Pierce County4248667357 Yakima County2435353048 Snohomish County3233534442 Spokane County3629362641 Clark County2035242028 Whatcom County1815111225 Thurston County1415141719 Kitsap County816182117 Grant County2413171916 Top Ten Counties304322386374404 All Other Counties132140165162161 All Counties436462551536565

• County20132014201520162017 Adams11404 Asotin00100 Benton21074 Chelan32210 Clallam01010 Clark1310749 Columbia00100 Cowlitz82134 Douglas12020 Ferry10211 Franklin15141 Garfield00001 Grant61454 Grays Harbor11213 Island10312 Jefferson11100 King3038373041 Kitsap89975 Kittitas11243 Klickitat20011 Lewis31132 Lincoln11010 Mason04151 Okanogan23421 Pacific10020 Pend Oreille52221 Pierce2617221922 San Juan00100 Skagit56313 Skamania02201 Snohomish1713141617 Spokane1075510 Stevens24312 Thurston77765 Wahkiakum00010 Walla Walla03001 Whatcom1244612 Whitman22331 Yakima11118910

• County20132014201520162017 Adams00112 Asotin00120 Benton13385 Chelan21120 Clallam22052 Clark910868 Columbia00000 Cowlitz51312 Douglas12021 Ferry21120 Franklin23114 Garfield00001 Grant64575 Grays Harbor21022 Island10302 Jefferson01110 King3127312541 Kitsap44444 Kittitas10422 Klickitat11000 Lewis42424 Lincoln00011 Mason22342 Okanogan26333 Pacific10020 Pend Oreille22221 Pierce2215152621 San Juan01100 Skagit35414 Skamania01501 Snohomish113141310 Spokane101013119 Stevens42223 Thurston23466 Wahkiakum00010 Walla Walla12121 Whatcom44138 Whitman00122 Yakima131471021

• Teens and Drunk DrivingData Under 21 Alcohol-Impaired Driving Fatalities Per 100K Population0.7 Higher/Lower Than National Average (1.2)Lower DUI Arrest (Under 18 years old)121 Rank in US29th DUI Arrests (Under 18 years old) Total Per Million People74.26

• Type of RoadTime of Crash to NotificationArrivalArrival at Scene to HospitalTime of Crash to Hospital Rural5 minutes14 minutes45 minutes1 hour, 3 minutes Urban4 minutes8 minutes33 minutes35 minutes

• Transportation in Washington

• Traffic congestion is a nuisance for everyone, especially when you’re driving to work. Well, we can’t change the traffic situation in Seattle but can provide some data about transportation in your state.

• The chart, illustrated by Data USA, shows the percentage of households with the number of cars they own in Washington vs the national average (in grey). Most of the households in Washington own two cars, followed by three cars.

• Employees in Washington have a longer commute than the rest of the country as they spend 26.1 minutes on average to get to work against the national average of 25.5 minutes.

• The most common way for commuting is driving alone in Washington and only 10.2 percent of the people carpool.

• Road congestion in Washington is getting worse each year with a rise in job growth which means more people commuting to work. Drivers in Washington waste 102 hours in traffic delays every year, which is the third-worst in America.

• Of the most congested cities in Washington, Seattle takes the number one ranking. In 2018, drivers in Seattle spent 138 hours in traffic congestion making it the sixth most congested city of America.

• The cost of congestion per driver was $1,932 annually, as per traffic analytics firm Inrix.

• Now that you have gathered all the information about car insurance, you can start comparison shopping today using our FREE online tool. Enter your zip code below to get started.

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