With some of the highest rates of vehicle theft in the United States, it can be tricky to find truly cheap car insurance in Washington state—but that doesn’t mean that affordable premiums aren’t available. Using Jerry to view multiple quotes can help you find them.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Washington. And if you want to learn more about car insurance rates in Washington keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Washington.
Cheapest minimum coverage car insurance in Washington
The minimum required insurance coverage varies depending on your state laws. In Washington, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Washington:
Additional coverages you might want to consider when shopping for car insurance in Washington
Coverage. to consider
Comprehensive insurance will cover physical damage to your car, including from a forest fire or other severe weather event.
Having uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.
As populations rise, accident forgiveness coverage can help ensure your premiums don’t rise if you get into an at-fault accident.
While minimum liability insurance is sufficient to drive in the state of Washington, local factors like high theft rates and forest fires make purchasing additional coverage a good idea.
Best carriers for minimum coverage car insurance in Washington
Failing to carry proof of financial responsibility (aka insurance) in Washington comes with some serious penalties. In addition to a fine of up to $450, you can face license suspension and conviction of a misdemeanor.
Thankfully, rates for minimum insurance are quite affordable in Washington state.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Washington:
While the minimum coverage is sufficient to drive legally in the state of Washington, securing additional protection will provide peace of mind and protect you financially in the event of an incident.
Cost to insure your car in Washington by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Accidents are the top cause of death for young drivers between the ages of 16 and 25 in Washington. Studies show that age-related immaturity plays a significant role in poor decision making while on the road.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for young drivers in Washington with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
While there are certain measures that young drivers can take to reduce their premiums (like a defensive driving course), insurance companies must cover themselves for the increased risk. They do this through high premiums.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Types of discounts that might be available to you in Washington
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Washington.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
It’s fairly easy to qualify for insurance discounts in Washington, though you may need to ask your insurance company about which ones are applicable to you.
Who is eligible?
Safe driving discount
Seniors who take an approved safe driving for seniors course are eligible for a discount on their premium.
Using an app or telematic device, your insurance company can calculate your premiums based on how you actually drive rather than how they think you drive. Safe and infrequent driving can result in cheaper premiums.
Bundling your auto insurance with another policy, such as home or renter’s insurance, can net you savings of up to 12% on each policy.
Good student discount
Students who are enrolled full time and maintain at least a B average are typically eligible for up to 20% in insurance savings.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount, but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Washington?
Though an off-roading Jeep might be the perfect vehicle for an adventure through Washington’s Cascade mountain range, it’s not going to help you get the cheapest insurance premium. For that, you’ll want something like the popular Honda Accord or Civic.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Washington’s insurance rates are in line with the average across the rest of the country. The state isn’t very dense in terms of population, but there’s one factor that keeps rates up: theft.
Seattle, Bellevue, and Tacoma all rank high on the list of places for car thefts. More thefts mean more claims, and that means higher premiums for policyholders.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.