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Car Insurance Minimum Coverage For Washington State, Average Rate by City, and Best Cost Saving Choices

If you are looking for Washington auto insurance quotes you have come to the right place. At the top of the page just enter your zip code and you are on your way to comparing cheap car insurance rates from top providers in your area. If you would like additional information before you decide to purchase an auto policy then feel free to read more.

Washington Minimum Auto Insurance Coverage

CoverageWashington Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$25,000
Underinsured Motorist Bodily Injury Coverage*$25,000 / $50,000$25,000 / $50,000
Underinsured Motorist Property Damage Coverage*$25,000 / $50,000$25,000 / $50,000
Personal Injury Protection*$10,000 $10,000
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

*Underinsured Motorist Bodily Injury, Underinsured Motorist Property Damage and Basic Personal Injury Protection coverage can be rejected by signing a paper form.

Bodily Injury Liability

$25,000 for a single person with up to $50,000 if there is much more than one passenger injured during the event of an auto accident. This will cover the medical expenses of the driver and passengers in the other vehicle.

Cheapest insurers for a 25 year old driver in state of Washington.

Note: The driver profile, no more than one driving violation, not married, good credit, and driving a 2013 Honda CR-V. The best choice for lower rates are PEMCO, GEICO, and Grange. Please see table below.

Property Damage Liability

Property damage liability insurance pays for damage to buildings, guard rails and other public property and the other drivers vehicle if there is a car accident.

The state of Washington specifies motorists maintain at least $10,000 of property damage liability cover for each vehicle they own.

Lowest insurance firms premiums for a 30 driver in WA.

Note: The best insurers to get quotes are from PEMCO, GEICO, and Grange for a 30 year old driver. Each person’s situation is different and may need special tailoring to their needs. It would be wise to get quotes from all carriers illustrated for that reason.

Comprehensive & Collision Coverage

Although these are the minimums you may want to consider more coverage depending of the type of vehicle you drive. If you have a car worth more than $4,000 you may want to consider other coverage such as comprehensive. When you use the comparison calculator at the top of the page you will get numerous quotes to compare.

Best auto insurance options for a 40 year old driver in Washington.

Note: Lowest auto premium rates were from PEMCO, GEICO, and Grange for a 40 year old driver. All insurers clustered near the $900 mark when we queried them for this driver profile.

After you enter your zip enter your cover and see how much it will cost to insure your vehicle with comprehensive or not.

You don’t want unnecessary car insurance rates, but at the same time you do not want to be without the proper coverage in the time when you really need it.

It is much easier to deal with unforeseen accidents, your car being broken into, or even stolen with proper coverage than to deal with it when you don’t have insurance.

Grange, Progressive, PEMCO, GEICO, Farmers are best choices for a 55 year old driver.

Note: The lowest insurance carriers for a 55 year old driver are from Grange and Progressive. Each insurer illustrated was 10% lower than the average rate.

Cheapest Providers by Age & Rate

RankWA Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1PEMCO$1,288$923$867$855$788$687
2GEICO$1,290$932$877$867$790$688
3Grange Insurance $1,300$945$888$879$798$676
4Progressive$1,387$987$907$903$784$678
5Farmers$1,389$1,008$908$908$799$710
6Chubb$1,405$1,009$943$909$800$712
7State Farm$1,411$1,045$942$909$804$715
8MetLife $1,449$1,089$956$912$809$720
9Amica$1,580$1,143$978$915$812$720
10Nationwide$1,578$1,156$1,001$954$821$718
11Capital$1,600$1,167$1,008$967$843$718
1221st Century$1,600$1,189$1,008$980$865$721
13Allstate$1,634$1,204$1,008$995$867$723
14Liberty Mutual$1,667$1,289$1,032$1,005$898$743
15Esurance$1,689$1,307$1,043$1,032$904$765
16Encompass$1,700$1,376$1,056$1,054$898$785
17Bristol West$1,710$1,432$1,099$1,067$909$723
18Sentry$1,711$1,465$1,103$1,087$910$765

Driver average of common insurance plans in Washington

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $50,000

  • Uninsured Motorist Protection – $100,000/$300,000

  • Uninsured Motorist Property Damage – $5,000

  • Personal Injury Protection – $10,000

  • Medical Payments Coverage – $10,000

  • Collision Coverage – $500 deductible

  • Comprehensive Coverage – $250 deductible

If you are going to consider medical payments cover or personal injury protection (PIP), you want to contact your health insurance provider and see where the coverage extends if in an automobile accident. If the coverage doesn’t extend to passengers then optional medical coverage is a good idea.

Best Insurers by Rate Change, Consumer Rating, & Complaints

WA Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm607,659,344 +1.8%234.5
Mutual of Enumclaw$91,307,045+2.8%213.9
GEICO317,701,791+2.7%174.5
PEMCO241,117,743+3.8%123.9
Progressive342,275,206+2.8%144.6
Farmers 19,702,542+2.6%124.3
Allied10,920,209+3.3%16 4.0
MetLife 24,293,753+4.1%24.0
Nationwide45,911,924 +4.6%24.2
Liberty Mutual230,145,789+2.3%94.4
Allstate366,012,635 +3.8%44.5
ANPAC7,693,992 +3.8%14.2
Victoria Insurance10,900,011 +3.9%12 4.1
American Family20,715,033+1.9%15 3.8
Country Financial Insurance53,331,911+4.0%33.7
QBE Insurance17,448,310+3.8%33.9
Encompass17,010,361 +3.1%34.1
Markel Insurance7,125,167+3.1%13.8

Penalties for driving without insurance in Washington State

In the state of Washington law enforcement officers can pull you over if they scan your plate and determine you are not driving with insurance. If you do not have proof of insurance at that time then you will have to go to court and provide evidence of insurance to the court.

If convicted of driving without insurance then the fine is going to be at least $550 plus court costs and fees.

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
5000 Capitol Blvd SE, Olympia, WA 98512
(800) 562-6900
1423 E 29th St #218, Tacoma, WA 98404
(360) 705-7000
1001 North Broadway A-7, Everett, WA 98201
(425) 252-3518
WebsiteWebsiteWebsite

Cities in Washington & Average Rate

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Auburn$1,45670,180Kent$1,41192,411Redmond$1,49754,144
Bellevue$1,321122,363Kirkland$1,56248,787Renton$1,55090,927
Bellingham$1,28780,885Lakewood$1,52158,163Richland$1,55048,058
Bothell$1,40933,505Longview$1,38736,648Seattle$1,689608,660
Bremerton$1,43737,729Lynnwood$1,47635,836Spokane$1,511208,916
Burien$1,53233,313Marysville$1,35960,020Tacoma$1,542198,397
Everett$1,386103,019Mount Vernon$1,41731,743Vancouver$1,587161,791
Federal Way$1,37889,306Olympia$1,48946,478Walla Walla$1,49431,731
Issaquah$1,17830,434Pasco$1,49059,781Wenatchee$1,40231,925

Seattle, WA

Low-cost insurers for drivers in Seattle.

Outdoor recreation is one of the top reasons Seattle residents live there. The city is home to outdoor recreation stores such as Eddie Bauer and REI. Within the city limits, a wide array of outdoor activities awaits, including golf, kayaking, canoeing, fishing, and hiking. Seattle has wonderful parks, such as Discovery Park, Seward Park, and Woodland Park. Some of the best parks in the nation. Drive just outside the city and you’ll find skiing, snowboarding, river rafting, hiking and parks like Mount Rainier National Park and Olympic National Park and Rainforest.

Looking for cheaper car insurance in Seattle? Start with PEMCO, Grange, and GEICO. Each of them clustered near $1,000. This is a staggering 49% lower than the average rate of nearly $1,700. Chubb and Progressive are well below the “mean” rate also. The driver profiles of the 30 and 45 year old driver had good driving history. A family of 4 should get quotes from all insurers illustrated to find maximum savings.

Seattle Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
PEMCO$976$867
Grange Insurance $988$899
GEICO$1,098$967
Chubb$1,154$1,054
Progressive$1,276$1,076
Farmers$1,345$1,143
State Farm$1,456$1,253

Spokane, WA

Spokane auto premiums best rate options

Spokane has over 200,000 residents and nearly half a million in the metropolitan area. Founded in 1872, it is the second largest city in Washington behind Seattle. Named an “All-American” city it is one the fastest growing business hubs in the state. It is also known for having a “hot-zone” for access to free wireless internet within a 100 block radius through the city.

Spokane has been named one of the best places to raise a family, open a business, and lately revitalizing downtown to attract new businesses and restaurants. It also hosts “Hoopfest,” the planet’s largest three-on-three basketball tournament

The average car insurance rate for residents of Spokane is over $1,500 per year. If you want to lower your current auto premium then get quotes from GEICO, Grange, and PEMCO. Grange and GEICO are more than 30 percent below the average rate. While PEMCO is 24% lower. A 30 year old driver would do great by getting quote from all three insurers. A 45 year old driver should do the same including getting quotes from Chubb.

Spokane Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$987$909
Grange Insurance $1,009$965
PEMCO$1,143$1,008
Chubb$1,167$1,098
State Farm$1,278$1,167
Progressive$1,376$1,189
Farmers$1,389$1,210

Tacoma, WA

Inexpensive car insurance companies options in Tacoma, Washington.

Tacoma is known for locals hanging out at a coffee shop which is shaped like a teapot. And the 6th largest shipping port in North America is in Tacoma, making the city a major player in the wave of economic globalization. The port is responsible for more than 100,000 jobs.

Tacoma has received numerous awards from Civic Leagues and Publications. Such as, Fourth Best Place to Live by Money Magazine, Top Mid-Sized City for Small Businesses by Entrepreneur Magazine, All-American City by the National Civic League, Most Livable Region (Tacoma-Pierce County) by Partners for Livable Communities

If you are looking to lower your auto insurance bill then our top three choices would be Grange, PEMCO, and Farmers. Each of them are more than 15% lower than the “mean” rate of $1,551 in Tacoma. A 45 year old driver would be smart to get quotes from all including Chubb and State Farm for an optimum premium with savings. A family of 4 would do well by comparing quotes from all insurers illustrated.

Tacoma Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Grange Insurance $1,145$987
PEMCO$1,189$1,023
Farmers$1,267$1,089
Chubb$1,289$1,143
State Farm$1,376$1,167
Progressive$1,377$1,199
GEICO$1,389$1,254

Bellevue, WA

Bellevue Washington low cost insurers rates for drivers.

Bellevue was incorporated as a city in 1953. Today with a population of nearly 150,000 residents it was first settled in the 1870s. Bellevue soon became a popular location for the summer homes of residents of nearby Seattle.

The region’s beautiful and towering evergreens eventually gave way to agriculture, and throughout the first half of the 20th century Bellevue was dominated by an abundance of farms best known for strawberries and blueberries.

When a floating bridge across Lake Washington was completed in the 40’s, Seattle suddenly became much more accessible and a suburban era which would influence the area for several decades was ushered in.

Getting cheap auto insurance in Bellevue is fairly easy if you get quotes from Grange, PEMCO, and Farmers. Each of the insurers were 14% below the “mean” rate of $1,321. Chubb and State Farm were nearly 10% lower than the “mean” rate for a 30 year old driver. For a 45 year old driver the best insurers to get quotes from would be Grange and PEMCO. The only company we queried below the $1,000 mark was Grange.

Bellevue Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Grange Insurance $1,076$927
PEMCO$1,093$1,043
Farmers$1,154$1,045
Chubb$1,203$1,076
State Farm$1,234$1,079
Progressive$1,278$1,143
GEICO$1,303$1,144

Vancouver, WA

Cheapest insurance choices for residents of Vancouver, WA

Only a few minutes away from Portland, Oregon, Vancouver has a ton of things do for outdoor enthusiasts, history buffs, and those which love culture, museums, and the arts. Below are just a few things to do in Vancouver:

  • Old Slocum House Theatre Company: Vancouver’s oldest non-profit community theater.

  • Ridgefield National Wildlife Refuge: Over 5,000 acres of vital migration and wintering habitat for spring and fall migrating birds.

  • Cedar Creek Grist Mill: Built in 1876 and now the only grain-grinding mill in Washington that has maintained its original structural integrity.

Drivers in Vancouver pay nearly $1,700 for car insurance per year. To get the lowest rates start by getting quotes from Grange, State Farm, and PEMCO. The lowest, Grange, was 40% below the “mean” rate of Vancouver. State Farm is 36% while PEMCO is 29% lower than the average rate for a 30 year old driver.

For a 45 year old driver the lower three insurers we queried are Grange, State Farm, and PEMCO. Each of them clustering in the $900 to $950 per year range.

Vancouver Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Grange Insurance $989$899
State Farm$1,056$912
PEMCO$1,156$978
Farmers$1,180$1,008
Chubb$1,243$1,054
Progressive$1,248$1,100
GEICO$1,287$1,132

Final Thoughts

Now that you have knowledge of minimum and average coverage in the state of Washington, you can decide on a good insurance plan to help you save hundreds while maintaining the proper cover when you need it.

Right from your own home you can be as informed as your insurance agent and find savings of forty percent or more. Just enter your five digit zip at the top. The best part is comparing at Autoinsuresavings is free and takes only a few minutes.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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