Who Has Cheap Auto Insurance for High Risk Drivers in Washington?

The car, truck, or SUV you are seeking coverage for is one of the primary factors when quoting the cheapest auto insurance for high risk drivers. Vehicles with lower performance, modern passenger safety features, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The tables below presents car insurance rates for a selection of the cheaper vehicles to buy coverage for.

Prices above based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can affect coverage prices significantly.

Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price information does not factor in your specific Washington location which can affect prices greatly.

Table data represents single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location information which can affect coverage prices greatly.

Deciphering which company offers the lowest-priced car insurance rates for high risk drivers will take a bit more work than just comparing a company or two. Each insurance company has a proprietary method for filing rates in each state, so let’s rank the car insurance companies that tend to be cheaper in Washington.

Keep in mind that Washington car insurance rates are impacted by many factors that can increase the cost of having a policy. Simply having a birthday, increasing deductibles, or having an at-fault accident can produce rate changes resulting in some companies being cheaper than competitors.

Compare Cheap Insurance Quotes for Risky Drivers

Click to Compare Rates Now

google.charts.setOnLoadCallback(drawWAT5qcibChart);function drawWAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Capital’, 754, ‘#F08550’], [‘Grange’, 822, ‘#C86E42’], [‘Nationwide’, 990, ‘#A65B37’], [‘PEMCO’, 1004, ‘#8A4B2D’], [‘Travelers’, 1038, ‘#733E25’]]);var options = {title: ‘Low-Priced Auto Insurance Companies in Washington’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1138,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Capital may offer some of the lowest car insurance rates in Washington at around $754 annually. Grange, Nationwide, PEMCO, and Travelers also are some of the cheaper Washington auto insurance companies.

As the rates illustrate above, if you currently have a policy with PEMCO and switched to Grange, you might see a yearly savings of about $182. Drivers with Travelers could save as much as $216 a year, and USAA policyholders might cut rates by $238 a year.

To get a fast rate comparison, click here to get a free quote or quote prices from the following companies.

It’s important to note that these policy rates are averaged for all drivers and vehicles and and are not calculated with a rate surcharge for high risk drivers. So the insurer that can offer you the lowest price may not even be shown in the rate chart shown above. That illustrates why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

One of the many criteria used to calculate the amount you pay each year for auto insurance is where you live in Washington. Densely populated urban areas like Auburn, Federal Way, and Lakewood likely pay more, whereas more rural areas generally pay less for auto insurance.

The following table rates the most expensive areas in Washington for high risk drivers in which to purchase auto insurance.

Table data uses approximated as the specific geographic location can raise or lower price quotes greatly.

The illustration below highlights how deductible selection can influence yearly insurance costs when getting quotes for cheap insurance for high risk drivers. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3421,3117,2781,2463],[‘Age 30’, 1791,1631,1447,1269],[‘Age 40’, 1717,1569,1399,1237],[‘Age 50’, 1571,1435,1283,1137],[‘Age 60’, 1543,1409,1259,1117],[‘Age 70’, 1773,1627,1469,1315]]);var options = {title: ‘Impact of Deductible Levels on Auto Insurance Cost in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $288 a year by increasing from a $100 deductible to a $500 deductible, or save $434 by using a $1,000 deductible. Younger drivers, like the 20-year-old, can cut up to $958 annually by using higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

State Farm vs Geico vs Allstate vs Progressive

When shopping for auto insurance for high risk drivers, the companies that insure more vehicles than anyone else are State Farm, Geico, Allstate, and Progressive. When added together, they make up over 45% of all policies written in the United States. The table below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that may be available in Washington.

Who has the cheapest insurance quotes for high risk drivers?

Thanks to technology, drivers have a lot of ways to find cheap car insurance in Washington, but the most frequently used are from an independent agent, a captive (or exclusive) agency such as Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico. They all follow the same basic process, but it’s important to understand the differences in how they work.

Independent agents can place your business with multiple companies and can get rate quotes from each one. These types of agencies do not sell for just one brand and can provide you with more rates, which can help you get a better chance of saving money. If you are not satisfied with one company, your policy can be moved and you can remain with the same agent.

A captive, or exclusive, agent is usually restricted to just one company, two examples being a State Farm or Liberty Mutual agent. This type of agents cannot quote rates from more than one company, which does not give you the best rate comparison.

Opting to purchase car insurance direct means you do not use a local agent and instead shop from a direct company like Progressive. This car insurance option may be preferred by people who do not need advice for asset protection and have an above average understanding of the exclusions of a policy.

So what is the best way to find cheap auto insurance for high risk drivers in Washington? We’d like to say buying direct saves the most money because there is no agent involved, but unfortunately, that is not always true. A valid argument could also be made that going through an independent agent results in the cheapest rates since they can quote with many companies, but that is not accurate either. For the right applicant, exclusive agencies have really good rates that are impossible to beat.

Since car insurance prices vary so much, really the only way to not overpay for car insurance is to get as many comparison quotes as possible. We highly recommend getting prices from all three types in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.