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The typical driver can pay about $924 per yr for
auto insurance coverage
protection in Washington. That is comparatively inexpensive, contemplating that the typical American pays $935 per yr, in line with the Insurance coverage Data Institute (III).
Automotive insurance coverage
corporations think about your location, age, gender, and driving report to calculate charges for premiums. Different elements like credit score rating, marital standing, automobile sort, earlier protection, and miles pushed can all play a task within the quantity you may pay for protection.
It is useful to buy round and discover the perfect protection in your cash.
Minimal automotive legal responsibility insurance coverage necessities in Washington
Within the US, drivers should have legal responsibility protection. When you’re concerned in an accident, legal responsibility insurance coverage covers injury you trigger to the opposite automobile, driver, and passengers. When you finance or lease your automotive, your lender most likely requires complete and collision protection.
The 2 predominant parts of legal responsibility insurance coverage are bodily damage and property injury, which most states require. Legal responsibility insurance coverage additionally contains uninsured motorist and underinsured motorist protection. This coverage protects you when an at-fault driver hits you, and so they don’t have any protection or not sufficient protection.
Washington requires bodily and property protection, in line with knowledge from the III. Washington’s minimal legal responsibility necessities are 25/50/10 — as much as $25,000 of damage safety for every individual concerned in an accident, as much as $50,000 value of accidents per incident, and as much as $10,000 of property damages per incident.
Finest low cost automotive insurance coverage based mostly on credit score rating in Washington
Shopper Studies compiled knowledge on pricing formulation from all auto insurance coverage corporations in all states to determine which corporations provided the everyday grownup driver the perfect charges. Listed below are the three finest corporations in Washington by credit score degree, and the typical premium every firm provided a single grownup driver:
Finest automotive insurance coverage for Washington drivers with a clear report
For a driver in Washington age 25 or older with no accidents and one automobile, the next corporations present the perfect common charges:
*USAA is just for energetic navy, veterans, and their households.
Above knowledge obtained from Savvy, based mostly on 2,132 policyholders within the state of Washington
Finest automotive insurance coverage for Washington drivers with a number of accidents
For a driver in Washington age 25 or older, with a number of accidents and one automobile, the next corporations present the perfect common charges:
Above knowledge obtained from Savvy, based mostly on 2,132 policyholders within the state of Washington
Common premiums for seniors and teenage drivers in Washington
The desk beneath reveals the typical senior and teenage drivers can count on to pay in Washington. As a result of teen drivers are new drivers with little driving historical past and extra vulnerable to accidents, their charges are excessive. Most insurance coverage corporations provide reductions to teen drivers for good grades or taking driving security courses.
Senior drivers sometimes see an uptick in automotive insurance coverage premiums as they age, however not as a lot of a rise as new or teen drivers. When you’re nonetheless driving in your 60s and 70s, there are methods to barter cheaper auto insurance coverage charges, like pay-per-mile utilization.
Information supplied by Goosehead Insurance coverage
Washington automotive insurance coverage charges by metropolis
Beneath is the estimated common annual premium of auto insurance coverage insurance policies per family in Washington’s most populous cities:
Information from S&P International Market Intelligence
Finest automotive insurance coverage in Washington based mostly on buyer satisfaction
Buyer satisfaction with automotive insurance coverage suppliers could issue into your choice. 5 elements make up buyer satisfaction: billing course of and coverage data; claims; interplay; coverage choices; and worth. In accordance with a 2021 survey by J.D. Energy, a shopper analysis firm that surveys clients, these are the highest automotive insurance coverage corporations within the Northwest area (which incorporates Washington):
Hottest automotive insurance coverage corporations in Washington based mostly on market share
The next are the preferred automotive insurance coverage corporations in Washington, based mostly on the share of insured Washington drivers who use them:
*USAA is just for energetic navy, veterans, and their households.
Information from S&P International Market Intelligence
Who will get the perfect low cost automotive insurance coverage in Washington?
The higher your credit score rating, the cheaper your automotive insurance coverage.
One other option to save is to buy round. Each insurance coverage firm costs insurance policies otherwise, and no two insurance policies are the identical. Costs differ enormously relying on whether or not you get legal responsibility, complete, or collision protection.
Contemplate the quantity of protection and the varieties of protection listed in your quote. Bear in mind, you are searching for probably the most protection in your cash. Remember to have a look at the deductible or the quantity you may pay out of pocket should you get into an accident.
