How Much Does Auto Insurance Cost After a Speeding Ticket in Washington?

How Much Does Auto Insurance Cost After a Speeding Ticket in Washington?

Buying low-cost insurance is not always easy, and figuring out which companies offer the cheapest car insurance rates after a speeding ticket calls for even more shopping around. Every auto insurer uses a slightly different approach for determining rates in each state, so let’s take a look at the car insurance companies that tend to have lower prices in Washington.

It’s important that you understand Washington car insurance rates are calculated based on many things which can substantially change the cost of having a policy. Events like turning one year older, buying a different vehicle, or getting a DUI may generate price changes that may make certain companies more affordable than competitors.

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Rankings for the cheapest Washington auto insurance companies
Rank Company Cost Per Year
1 Capital $761
2 Grange $847
3 Nationwide $952
4 PEMCO $1,004
5 Travelers $1,008
6 Mutual Enumclaw $1,054
7 USAA $1,060
8 California Casualty $1,083
9 The Hartford $1,090
10 Chubb $1,116
11 Allied $1,131
12 State Farm $1,165
13 Safeco $1,180
14 American Family $1,208
15 Amica $1,256
16 Liberty Mutual $1,296
17 Farmers $1,329
18 Progressive $1,480
19 National General $1,495
20 MetLife $1,647
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Capital generally has some of the cheapest car insurance rates in Washington at around $761 a year. Grange, Nationwide, PEMCO, and Travelers also rank well as some of the most economical Washington auto insurance companies.

In the above example, if you are insured with Travelers and switched to Grange, you could realize an annual premium reduction of in the neighborhood of $161. Insureds with Mutual Enumclaw could save as much as $207 a year, and USAA customers might reduce prices by as much as $213 a year.

To see if you’re overpaying, click here to begin a quote or visit any of the companies below.

Be aware that those premium estimates are averages for all drivers and vehicles and and are not calculated with a price decrease after a speeding ticket. So the car insurance company that has the cheapest rates for you may not even be shown in the chart above. That points out the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

After a few driving violations, one of the big considerations that help determine the policy price is where you live. Areas with more people or higher crime rates like Tacoma, Auburn, and Lakewood tend to have higher auto insurance costs, whereas cities that are not as densely populated have the benefit of cheaper auto insurance prices.

The illustration below ranks the most expensive areas in Washington after a speeding ticket to purchase car insurance in.

How much does car insurance cost in Washington?
Rank City Average Per Year
1 Tacoma $1,441
2 Federal Way $1,435
3 Auburn $1,408
4 Seattle $1,405
5 Lakewood $1,392
6 Kent $1,391
7 Renton $1,361
8 Shoreline $1,352
9 South Hill $1,314
10 Bellevue $1,243
11 Everett $1,238
12 Marysville $1,221
13 Redmond $1,214
14 Kirkland $1,195
15 Sammamish $1,184
16 Vancouver $1,181
17 Olympia $1,105
18 Spokane Valley $1,098
19 Lacey $1,078
20 Spokane $1,060
21 Kennewick $1,041
22 Pasco $1,028
23 Yakima $1,026
24 Bellingham $1,017
25 Richland $1,013
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Price information shown is approximated as the specific area where the vehicle is garaged can influence coverage rates significantly.

Should you buy full coverage?

Finding cheap car insurance after a speeding ticket in Washington is important to the majority of people, and a great way to find cheaper insurance is to not insure for full coverage. The information below illustrates the difference between auto insurance costs with and without full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.

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Averaged for all age groups, full coverage on your policy costs $1,693 per year more than just buying liability insurance. Many drivers will wonder if physical damage coverage is worth the money. There is no definitive guideline for eliminating physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.