Get Cheap Car Insurance In Washington 2024

The Cheapest Car Insurance Companies in Washington for Good Drivers

Cheap Car Insurance for 20-Year-Olds in Washington

Young drivers in Washington can face very high insurance rates, especially if you’re not on a parent’s car insurance policy. In Washington, these insurers had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Capital Insurance: $182 a month
2. Travelers: $187 a month
3. American Family: $204 a month
4. Geico: $205 a month
5. State Farm: $205 a month

Cheapest Minimum Coverage for 20-Year-Olds in Washington

If you’re looking for only the required auto insurance in Washington, check prices from these companies.

1. PEMCO: $47 a month
2. State Farm: $64 a month
3. Travelers: $71 a month
4. Geico: $73 a month
5. Grange: $80 a month

Cheapest Auto Insurance for 20-Year-Olds in Washington With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Capital Insurance: $182 a month
2. American Family: $204 a month
3. Geico: $205 a month
4. Mutual of Enumclaw: $214 a month
5. Kemper: $220 a month

Cheapest Auto Insurance for 20-Year-Olds in Washington With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. State Farm: $225 a month
2. Travelers: $227 a month
3. American Family: $247 a month
4. Capital Insurance: $252 a month
5. Geico: $274 a month

Cheapest Car Insurance in Washington for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Washington drivers who caused an accident that injured someone else.

1. State Farm:$244 a month
2. Travelers: $247 a month
3. American Family: $261 a month
4. Capital Insurance: $269 a month
5. Geico: $285 a month

Cheapest Auto Insurance for 20-Year-Olds in Washington After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Washington who have a DUI conviction.

1. State Farm: $225 a month
2. American Family: $247 a month
3. Travelers: $259 a month
4. Geico: $278 a month
5. Farmers: $326 a month

Cheap Car Insurance for 30-Year-Olds in Washington

Drivers age 30 in Washington can find very high insurance rates depending on their driving record. Here’s a look at the lowest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Kemper: $90 a month
2. Capital Insurance: $99 a month
3. Geico: $107 a month
4. Nationwide: $115 a month
5. State Farm: $117 a month

Cheapest Minimum Coverage for 30-Year-Olds in Washington

If you’re looking for only the required auto insurance in Washington, check rates from these companies.

1. PEMCO: $26 a month
2. Grange: $30 a month
3. State Farm: $32 a month
4. Geico: $37 a month
5. Capital Insurance: $37 a month

Cheapest Auto Insurance for 30-Year-Olds in Washington With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Kemper: $90 a month
2. Capital Insurance: $99 a month
3. Geico: $107 a month
4. Oregon Mutual: $120 a month
5. American Family: $130 a month

Cheapest Auto Insurance for 30-Year-Olds in Washington With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. Kemper: $119 a month
2. State Farm: $127 a month
3. Capital Insurance: $134 a month
4. Oregon Mutual: $135 a month
5. Travelers: $150 a month

Cheapest Car Insurance in Washington for 30-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Washington drivers who caused an accident that injured someone else.

1. Kemper: $125 a month
2. State Farm: $137 a month
3. Oregon Mutual: $139 a month
4. Capital Insurance: $144 a month
5. Travelers: $162 a month

Cheapest Auto Insurance for 30-Year-Olds in Washington After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Washington who have a DUI conviction.

1. State Farm: $127 a month
2. American Family: $160 a month
3. Farmers: $168 a month
4. Travelers: $169 a month
5. Geico: $173 a month

Cheap Car Insurance for 40-Year-Olds in Washington

Washington drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which companies offer the lowest quotes in Washington, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Kemper: $90 a month
2. Capital Insurance: $92 a month
3. Geico: $103 a month
4. PEMCO: $106 a month
5. Oregon Mutual: $108 a month

Cheapest Minimum Coverage for 40-Year-Olds in Washington

If you’re looking for only the minimum auto insurance in Washington, check quotes from these companies.

1. PEMCO: $22 a month
2. Grange: $30 a month
3. State Farm: $31 a month
4. Capital Insurance: $35 a month
5. Capital Insurance: $35 a month

Cheapest Auto Insurance for 40-Year-Olds in Washington With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Kemper: $90 a month
2. Capital Insurance: $92 a month
3. Geico: $103 a month
4. Oregon Mutual: $108 a month
5. American Family: $125 a month

Cheapest Auto Insurance for 40-Year-Olds in Washington With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. Kemper: $118 a month
2. Capital Insurance: $123 a month
3. State Farm: $124 a month
4. Oregon Mutual: $125 a month
5. PEMCO: $135 a month

Cheapest Car Insurance in Washington for 40-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Washington drivers who caused an accident that injured someone else.

1. Kemper: $125 a month
2. Oregon Mutual: $130 a month
3. Capital Insurance: $132 a month
4. State Farm: $133 a month
5. PEMCO: $149 a month

Cheapest Auto Insurance for 40-Year-Olds in Washington After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Washington who have a DUI conviction.

1. State Farm: $124 a month
2. American Family: $153 a month
3. Travelers: $161 a month
4. Capital Insurance: $161 a month
5. PEMCO: $169 a month

Cheap Car Insurance for 50-Year-Olds in Washington

Washington drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a spotty driving record can make cheap car insurance harder to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Kemper: $82 a month
2. Capital Insurance: $89 a month
3. Geico: $95 a month
4. Nationwide: $103 a month
5. Oregon Mutual: $105 a month

Cheapest Minimum Coverage for 50-Year-Olds in Washington

If you’re looking for only the minimum auto insurance in Washington, check prices from these companies.

1. PEMCO: $23 a month
2. Grange: $29 a month
3. State Farm: $30 a month
4. Geico: $31 a month
5. Capital Insurance: $34 a month

Cheapest Auto Insurance for 50-Year-Olds in Washington With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Kemper: $82 a month
2. Capital Insurance: $89 a month
3. Geico: $95 a month
4. Oregon Mutual: $105 a month
5. Mutual of Enumclaw: $114 a month

Cheapest Auto Insurance for 50-Year-Olds in Washington With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. Kemper: $108 a month
2. Capital Insurance: $118 a month
3. State Farm: $120 a month
4. Oregon Mutual: $125 a month
5. Travelers: $140 a month

Cheapest Car Insurance in Washington for 50-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Washington drivers who caused an accident that injured someone else.

1. Kemper: $113 a month
2. Capital Insurance: $127 a month
3. State Farm: $130 a month
4. Oregon Mutual: $132 a month
5. Travelers: $151 a month

Cheapest Auto Insurance for 50-Year-Olds in Washington After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Washington who have a DUI conviction.

1. State Farm: $120 a month
2. American Family: $148 a month
3. Capital Insurance: $154 a month
4. Travelers: $159 a month
5. Farmers: $160 a month

Cheap Car Insurance for 60-Year-Olds in Washington

Car insurance quotes often begin to rise around age 65, even if you have a great driving record. We found the cheapest insurers for Washington drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Kemper: $79 a month
2. Capital Insurance: $86 a month
3. Geico: $94 a month
4. Nationwide: $97 a month
5. Travelers: $99 a month

Cheapest Minimum Coverage for 60-Year-Olds in Washington

If you’re looking for only the required auto insurance in Washington, check rates from these companies.

1. PEMCO: $26 a month
2. State Farm: $28 a month
3. Grange: $29 a month
4. Geico: $31 a month
5. Capital Insurance: $33 a month

Cheapest Auto Insurance for 60-Year-Olds in Washington With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Kemper: $79 a month
2. Capital Insurance: $86 a month
3. Geico: $94 a month
4. Oregon Mutual: $108 a month
5. Mutual of Enumclaw: $110 a month

Cheapest Auto Insurance for 60-Year-Olds in Washington With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. Kemper: $105 a month
2. State Farm: $114 a month
3. Capital Insurance: $115 a month
4. Oregon Mutual: $131 a month
5. Travelers: $136 a month

Cheapest Car Insurance in Washington for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Washington drivers who caused an accident that injured someone else.

1. Kemper: $110 a month
2. Capital Insurance: $122 a month
3. State Farm: $122 a month
4. Oregon Mutual: $138 a month
5. Travelers: $147 a month

Cheapest Auto Insurance for 60-Year-Olds in Washington After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Washington who have a DUI conviction.

1. State Farm: $114 a month
2. Farmers: $149 a month
3. Capital Insurance: $150 a month
4. American Family: $152 a month
5. Travelers: $154 a month

Cheap Car Insurance for 70-Year-Olds in Washington

Washington drivers age 70 are facing higher rates due to age. But relatively cheap car insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Washington

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Kemper: $87 a month
2. Capital Insurance: $92 a month
3. Geico: $93 a month
4. Nationwide: $99 a month
5. Travelers: $108 a month

Cheapest Minimum Coverage for 70-Year-Olds in Washington

If you’re looking for only the required auto insurance in Washington, check rates from these companies.

1. Grange: $31 a month
2. State Farm: $31 a month
3. PEMCO: $32 a month
4. Geico: $34 a month
5. Capital Insurance: $38 a month

Cheapest Auto Insurance for 70-Year-Olds in Washington With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Kemper: $87 a month
2. Capital Insurance: $92 a month
3. Geico: $93 a month
4. Mutual of Enumclaw: $116 a month
5. Oregon Mutual: $122 a month

Cheapest Auto Insurance for 70-Year-Olds in Washington With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Washington for drivers with a speeding ticket.

1. Kemper: $115 a month
2. State Farm: $120 a month
3. Capital Insurance: $123 a month
4. Nationwide: $149 a month
5. Oregon Mutual: $149 a month

Cheapest Car Insurance in Washington for 70-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Washington drivers who caused an accident that injured someone else.

1. Kemper: $121 a month
2. State Farm: $130 a month
3. Capital Insurance: $130 a month
4. Oregon Mutual: $157 a month
5. Travelers: $166 a month

Cheapest Auto Insurance for 70-Year-Olds in Washington After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Washington who have a DUI conviction.

1. State Farm: $120 a month
2. Capital Insurance: $163 a month
3. Geico: $168 a month
4. Chubb: $170 a month
5. Travelers: $173 a month

Cheapest Car Insurance In Seattle, Washington

Cheapest Car Insurance In Spokane, Washington

Cheapest Car Insurance In Tacoma, Washington

Buy Cheap Car Insurance in Washington

Cheap car insurance in Washington can be found with a few simple strategies. When cost is important, make sure you also have a policy that has enough coverage for your situation.

Check Rates from Several Auto Insurance Companies

A simple way to find cheap car insurance in Washington is to check insurance quotes from multiple companies. If you don’t have a variety of quotes to compare, you won’t know if you’re getting a good price. Even if your driving record isn’t great, shopping around can reveal significant cost differences among companies.

Consider Switching Companies If Your Driving Record Changes

Getting a ticket or causing an accident will generally result in an insurance rate increase. A company that offered cheap Washington car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to regain low rates again.

Regularly Review Your Auto Insurance Coverage

As your life evolves, so do your insurance needs. Review your Washington auto insurance policy to make sure your current coverage is still sufficient for your needs. Review your coverage types, the limits for each coverage type and your deductible amounts. Trim unnecessary extras, such as roadside assistance, to reduce your insurance expenses.

Rethink Your Deductible

You may be able to discover savings if you have collision and comprehensive insurance. By raising your auto insurance deductible you can lower your premium. Simply contact your insurance agent to find out how much you can save at higher deductible amounts.

Look Into Car Insurance Discounts

Reviewing possible car insurance discounts with your insurer could uncover some savings. While many discounts are added to your policy automatically, it can be smart to inquire about additional possible savings that your insurer may not know you qualify for. For example, if you are driving fewer annual miles because you work from home or are retired, you may be able to get a cheaper car insurance rate.

Capture Savings by Bundling

You can typically get a high discount by bundling car insurance with other policies from the same insurance company. If you need Washington auto insurance and also home, condo or renters insurance, it’s usually smart to buy the policies from the same company for the discount. It averages 14%, based on our analysis of auto insurance costs.

Optimize Your Insurance Payment Strategy

Your auto insurance payment method can lead to further discounts. These discounts are generally small, but they are easy to get. Paying your entire car insurance premium upfront typically garners a price cut, for example. If you’re paying monthly, your insurer may offer a discount for electronic payment transfers.

No matter how you pay, going paperless could be another discount.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.