Best Car Insurance In Washington State – The average cost of car insurance in Seattle is $901 per year, or $75 per month for a cheap insurance policy. The average cost of a comprehensive insurance policy in Seattle is $2,086 per year or $174 per month.
In Seattle, one of the nation’s most vibrant and largest cities, the average car insurance premium is 23% more expensive than the state average, a difference of $395.
Best Car Insurance In Washington State
To find the lowest rate based on your personal background, shop around multiple insurance companies and compare rates.
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The cheapest insurance company in Seattle offers the lowest annual policy price of $692. By comparison, the top salary in the city is $1,451. This price difference shows how important it is to get quotes from multiple companies.
Enumclaw Progressive and Mutual have the cheapest insurance policies in Seattle. If you want to spend more, State Farm and Geico are two ways to pay for it.
However, if you are a former or current member of the military, you can get an insurance policy estimate from USAA, which has the cheapest insurance policy.
The cheapest insurance option is a limited liability policy. Simply put, a minimum liability policy is the minimum coverage a driver must have in order to legally drive in their state.
Car Insurance By State
There is no coverage for car wreckers under a minimum liability policy. The insurance company will not pay for damages and collisions to your car unless you have paid the minimum premium.
We recommend that Seattle drivers opt for higher excess limits or additional liability coverage if their vehicle is more than ten years old or valued at more than $3,000.
Mutual of Enumclaw is a Seattle insurance company with the cheapest insurance policy in Washington. The company’s general liability policy costs $1,471 — $615 less than the city average. Geico is the second cheapest option for drivers looking for a comprehensive insurance policy at $1,607 per year.
The cheapest insurance company USAA is available for eligible military personnel. Drivers pay an average of $1,159 per year or $97 per month, according to USAA.
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Drivers with comprehensive coverage receive additional protections that a limited liability policy does not provide. In addition to the minimum state coverage requirements, all coverage strategies include comprehensive and collision coverage.
It’s important to note that while there are different types of comprehensive coverage for drivers, they may not be right for your individual needs. Drivers with new or used vehicles should consider additional insurance to protect their vehicles.
If you are a veteran or a family member, get a quote from USAA as they are cheaper than Geico.
The average cost of comprehensive insurance for a young driver is almost four times higher than the average cost of comprehensive insurance for a 30-year-old driver. Young drivers are considered a high risk because they are statistically more likely to crash.
The General® Car Insurance
Finding affordable car insurance can be difficult for young people who are not financially stable and have thousands of dollars to pay for college. However, here are some ways to lower your rating:
Seattle insurance companies that increased premiums after accidents included Mutual of Enumclaw and State Farm.
Current and veteran service members can get information from USAA, an insurance company and a premium policy for drivers with an accident history.
However, depending on your insurance company, these increases can range from a few hundred to thousands of dollars. State Farm increased its stock by an average of $342 after the crash. Meanwhile, Progressive has more than doubled annual premiums for post-accident drivers. These differences highlight the importance of comparing rates between multiple insurance companies.
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Insurers are evaluated not only by the price of policies, but also by the quality of services. Based on the number of customer complaints, the top insurance companies with the best customer service are:
Group-level Washington State market share data and claims rankings are presented by the largest entity by market share in each class.
An accident or car damage can be stressful. Having an unresponsive insurance company that isn’t always available or doing bad things can make the whole experience worse. When choosing an insurance company, it is important to consider customer service fees and insurance premiums.
Your auto insurance rates are based on the Seattle area where you live. Each neighborhood has its own crime rate, accident rate, and population.
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Residents of the city of Seattle, the city’s least expensive area, can expect to pay an average of $830 for a minimum car insurance policy. On the other hand, people living in Seward Park and Rainier Valley pay an average annual premium of $982.
Seattle has the lowest auto theft rate among Washington’s four largest cities. In 2018, about 544 cars were stolen per 100,000 people.
State Farm, Progressive and Liberty Mutual are the three largest insurance companies in Washington. The five largest insurance companies accounted for more than 50% of direct premiums written for drivers in the state.
If you are considering whether to choose a small insurance company or a large insurance company, there are many things to consider. Large companies offer more policies and discounts to their drivers than smaller insurance companies. However, small insurance companies offer customers a personalized customer service experience.
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Although meeting the cheapest drivers insurance may not be the best for your needs. Bodily injury and property damage liability is designed to financially insure others and their property in the event of an accident. If your car has been damaged in a collision, limited coverage may not be enough to cover you.
For our analysis, data from eight insurance companies in Seattle was collected and analyzed. Our study used a sample of a 30-year-old male driver with a 2015 Honda Civic EX. Unless otherwise stated, drivers compare prices for liability policies.
Our analysis used coverage rate data from Quadrant Information Services. These publicly available rates are based on insurance company records and should be used for comparison purposes only – your information may differ.
For an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! No matter how well you drive, accidents still happen. Also fire, flood, hail and car theft.
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In addition to those potential problems, Washington State is full of people who drive without car insurance. More than 17% of car owners in the state are uninsured. It’s bad news if one of them hits you, and there’s no way to pay the accident bill.
About 60% of Washington’s top five auto insurance companies are owned by auto insurance companies in the state.
Car owners in Washington are required to purchase car liability insurance. If you hit someone, this insurance will cover damage and injuries to the other person. Liability insurance also includes legal protection if you are sued as a result of an accident.
Better buy at least Washington. If you are involved in an accident and the bills exceed your insurance limit, you may be responsible for the balance. If you have assets such as savings and a home, you should purchase higher insurance limits.
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Uninsured motorist (UM) coverage. What if someone hits you and you don’t have car insurance? Uninsured motorist coverage pays for your medical expenses. Insurance companies in Washington must provide this service to you, but you can agree to it in writing. Overall, UM is decent coverage.
Personal Injury Protection (PIP). Most auto insurance companies are willing to give you PIP (excluding drivers). This coverage pays medical bills for you and your passengers after a car accident up to your PIP limit, regardless of who was at fault.
Comprehensive collision and coverage. What happens if you get into a car accident? What if someone breaks into your car? Accident and comprehensive insurance covers car repairs. They deal with a wide range of issues such as car break-ins, car thefts, thefts, riots, floods, fires, hail, stolen goods and animal collisions.
If you have a car lease or loan agreement, your leasing company and lender may require you to have comprehensive collision and insurance coverage.
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Washington State can use your phone to show your auto insurance ID card. Check with your auto insurance company to see if they offer a mobile app that includes an electronic ID card.
Washington drivers pay an average of $924 per year for car insurance. Here are the average prices for popular types of insurance.
Car insurance companies consider this