Cheap Car Insurance Quotes for 16 Year Olds in Washington

The words “economical” and “insurance” really shouldn’t be used in the same sentence, specifically when searching for the best coverage prices for 16 year olds. In an attempt to save some money, let’s go over some things that determine insurance rates, and see how we can help you lower the price of your next policy.

Deciphering which companies offer the lowest-priced car insurance rates for 16 year olds requires a little more sweat than just getting one or two price quotes. Every insurance company uses their own calculation for setting rates, so we need to take a look at the car insurance companies that tend to be cheaper in Washington.

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Capital quotes some of the best car insurance rates in Washington at around $777 annually. Grange, Nationwide, Travelers, and PEMCO would also make the list of some of the most economical Washington auto insurance companies.

As shown above, if you currently have a policy with PEMCO and switched to Grange, you may realize a yearly savings of about $191. Customers with Mutual Enumclaw might save as much as $221 a year, and USAA insureds might reduce rates by $237 a year.

It’s important to note that these premium estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a rate surcharge for 16 year olds. So the car insurance company that is best suited for you may not even be shown in the above list. That helps illustrate why you need to compare prices as often as possible using your own personal information and vehicle type.

When buying car insurance for new drivers, one of the key considerations that is used by car insurance companies to calculate a rate quote is where you choose to live in Washington. Cities with larger populations or higher claims like Auburn, Federal Way, and Tacoma tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The next table ranks the priciest cities in Washington for 16 year olds in which to purchase auto insurance.

Annual rates are approximated as zip code location can raise or lower auto insurance rates significantly.

The example below shows how choosing a deductible can affect insurance premiums when getting quotes for cheap insurance for 16 year olds. The price estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.

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As shown above, a 50-year-old driver could reduce rates by $200 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $304 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save as much as $498 every year by selecting a higher deductible.

When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Best car insurance in Washington

Buying coverage from the best insurance company can be a challenge considering how many different companies there are to choose from in Washington. The ranking data in the lists below can help you select which car insurance providers to look at purchasing from. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that only write business in Washington or surrounding areas are not factored into these rankings.

Top 10 Major Auto Insurance Providers in Washington Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

State Farm, Geico, Allstate, or Progressive: Who is best?

If you are shopping around for car insurance, the first places to look would be State Farm, Geico, Allstate, and Progressive. When combined, they insure almost half of all vehicles in the U.S.. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distict selection of optional coverages and features that buyers can select from. The table below compares pricing and service ratings, plus some optional coverages that policyholders can buy.