How Much Does Car Insurance Cost for Good Drivers in Washington?

When shopping for the cheapest car insurance for safe drivers, one of the many criteria that play a part in determining the amount you pay for auto insurance is where your car is garaged in Washington. Cities with larger populations or higher claim trends like Auburn, Tacoma, and Shoreline tend to have higher rates, whereas more rural areas have the luxury of lower rates.

The information below shows the higher priced cities in Washington for good drivers in which to buy car insurance.

Information shown are estimated as specific Washington garaging address can raise or lower auto insurance rates noticeably.

The make and model of vehicle that needs insurance is a significant factor when shopping around for low-cost auto insurance for good drivers. Vehicles with high performance engines, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models. The information below shows coverage premiums for a handful of the most economical vehicles to insure.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific garaging location which can influence insurance rates substantially.

Based upon the rates shown, you can infer that cars like the Hyundai Elantra, Ford F-150, Honda Accord, Ford Escape, and Kia Forte should be a few of the more affordable vehicles to insure for safe drivers.

Rate difference between full and liability-only coverage

Finding cheap car insurance for good drivers in Washington is important to most vehicle owners, and one of the easiest ways to find cheap insurance is to only buy liability coverage. The information below shows the difference between auto insurance rates with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, single status, and no additional discounts are factored in.

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Averaged for all age groups, physical damage insurance costs an additional $1,858 per year over and above liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no written rule of when to stop paying for full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If it’s costing in excess of $400 annually to have full coverage, then you may want to consider only buying liability coverage.

Discounts on cheap car insurance for good drivers in Washington

Car insurance companies that provide coverage for good drivers may also give you special discounts that may potentially lower prices by 30% or more if you meet the requirements. The best insurance companies and a selection of discounts can be found below.

The illustration below illustrates the difference between insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no claims, a clean driving record, Washington state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, marriage, anti-theft, claim-free, defensive driving course, and multiple vehicle discounts applied. When discounts are applied, the average amount saved each year on insurance for good drivers is 13% or $164.

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Is State Farm, Allstate, Geico, or Progressive cheaper?

When comparing auto insurance for safe drivers in Washington, some of the first companies to look at are State Farm, Allstate, Geico, and Progressive. When added together, they insure 48.5% of all policies written. The next table ranks some of the different options and features that are available.