Looking for the lowdown on Washington car insurance?  We’ve researched the state minimums, laws, coverage options and more, so you have it available all in one place. The inside scoop below was created  for Washington drivers like you.

Minimum Requirements

When it comes to insurance, Washington is an “at-fault” state. Whoever causes an accident pays for the damage (their insurance company does). You’ll have to have the following insurance and minimums to drive legally:

  • $25,000 of property damage liability (PDL) per accident
  • $50,000 of bodily injury liability per person, per accident
  • $10,000 of total bodily injury liability per accident where two or more people were injured

Optional Car Insurance Coverage Available in Washington

There is no such thing as too much insurance protection.  While the minimums listed above are sufficient to be law abiding, they may not provide you all of the coverage you need.  Consider these popular coverage options to make sure you’re 100% protected.

Comprehensive Coverage – Rain happens. Flooding happens. Deer running across the road happens. Make sure damages are covered with this insurance.

Collision Coverage – Hit someone else’s car? This coverage helps pay for that repair shop bill.

Towing and labor coverage – If you get a tow after an accident, you’ll have to pay for it yourself unless you have this coverage.

Rental car coverage – Rent a car if yours is undriveable after an accident and your insurance will pay for it if you have this coverage.

Financial Responsibility

There is another option, but we hope you don’t go with it. Instead of having car insurance, you can apply for a certificate of deposit to pay for your liability insurance. You’ll need to file a Financial Responsibility Application form with the Washington State Department of Licensing and deposit $60,000 if or when you’re approved. Why put all that money up when auto insurance is only about $900 for a whole year?

How Your Rates Are Determined

Insurance companies try to understand what they’re getting into before they insure you. Wouldn’t you too if you were putting up tens of thousands of dollars to back a stranger? If you are seen as a less-risky driver, you’ll pay less, but if you seem like a higher risk driver, you could pay more. The following factors are used by insurance companies to determine your risk level:

  • Age
  • Gender
  • Address
  • Driving history
  • Claims history
  • Year, make, model
  • Credit history

Average Car Insurance Rates in Washington

Our research shows that Washington drivers pay on average $1,615 a year for car insurance.  Does that mean you will have to pay that much?  Absolutely not.  Here is where we found the cheapest car insurance rates:

 Average Annual Rates
Farmers$771.07
PEMCO$836.62
Progressive$848.84
Allstate$868.62
Travelers$926.18

Find out how much drivers like you are paying, based on driver profiles, with our full analysis of Washington insurance companies.

How To Save On Car Insurance In Washington

No coupon cutting here. Just some popular car insurance discounts you can ask about to save yourself money on your annual premium:

  • Multi-car discount
  • Home and auto bundle discount
  • Good student discount
  • Safe-driver discount
  • E-pay discount
  • Homeowners discount
  • Drivers education discount

Insurance For High-Risk Drivers

Insurance companies can deny you coverage if you are seen as too high of a risky. Luckily, in Washington if you’re denied coverage you can get auto insurance through the Washington Automobile Insurance Plan (WAIP). It’ll be more expensive because of your driving record, but at least you are in good standing legally.

Most stolen cars in Washington*

Drive one of these cars? You could see higher premiums because of the risk factor.

  • Honda Accord
  • Honda Civic
  • Subaru Legacy
  • Ford Pickup (Full Size)
  • Acura Integra
  • Toyota Camry
  • Chevrolet Pickup (Full Size)
  • Jeep Cherokee/Grand Cherokee
  • Nissan Sentra
  • Chevrolet Pickup (Small Size)

*According to www.nicb.org

Licensed Agents to the Rescue

Working with a Washington insurance expert can help to clarify any additional questions you may have.  Not only do they know the ins and outs, but they can also help you compare rates from top insurance providers.  Call  855-462-2213 today to see how they can help you.

Washington Driver Resources

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