How Much Does Auto Insurance Cost for 19 Year Olds in Washington?

When shopping for cheaper insurance for teenage drivers, one of the many things that impact a rate quote is where you call home in Washington. Areas that are more densely populated like Tacoma, Seattle, and Kent tend to have higher rates, whereas areas with less people or fewer weather incidents generally benefit from lower insurance rates.

The information below ranks the higher priced cities in Washington for 19 year olds in which to buy car insurance.

Rate information is estimated as vehicle location can alter price quotes greatly.

Trying to find low-priced auto insurance is not always easy, and determining which companies offer the best insurance rates for 19 year olds will require even more work. Policy prices should be much more expensive than the average policy in Washington, with the increase attributed to the added risk that goes along with selling coverage for teenage drivers, but competitive coverage may be possible if you thoroughly shop around. Each insurer uses their own calculation to determine premium rates, so first we will examine the lowest cost insurance companies in Washington.

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Capital generally has some of the best car insurance rates in Washington at around $784 a year. Grange, PEMCO, Nationwide, and Travelers also rank well as some of the most economical Washington car insurance companies.

As the example above demonstrates, if you buy coverage from Nationwide and switched to Capital, you could earn yearly savings of upwards of $206. Insureds with Travelers might save as much as $244 a year, and USAA customers might realize rate reductions of up to $266 a year.

To find cheap auto insurance for 19 year olds in Washington for your vehicle, click here to start your custom quote or click through to the companies below.

It’s important to note that these premiums are averages for all types of insureds and vehicles and are not factoring in a rate surcharge for 19 year olds. So the car insurance company that fits your situation best may not even be included in the rate chart shown above. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.

We all like different vehicles, and the type of vehicle to be insured is a significant factor when comparing cheap auto insurance for 19 year olds in Washington. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost much more to insure than safer models. The next lists presents auto insurance prices for a selection of the most economical automobiles to buy insurance for.

Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific zip code location which can impact auto insurance rates noticeably.

Data based on single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can increase or decrease rates considerably.

Data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

The information below illustrates how your choice of deductibles can increase or decrease insurance prices when getting quotes for cheap insurance for 19 year olds. The costs are based on a single male driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3917,3563,3183,2825],[‘Age 30’, 1993,1833,1649,1469],[‘Age 40’, 1993,1821,1625,1439],[‘Age 50’, 1809,1653,1479,1315],[‘Age 60’, 1751,1603,1437,1277],[‘Age 70’, 2135,1963,1775,1597]]);var options = {title: ‘Deductibles and Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 50-year-old driver could lower rates by $330 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $494 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, can save as much as $1,092 every year just by choosing higher deductibles.

If you do raise deductibles, it’s a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Discounts on cheap auto insurance for 19 year olds in Washington

Insurance companies that offer coverage for 19 year olds may also provide discounts that could potentially reduce rates by 40% or more if you are eligible. Large insurance companies and some of the discounts are included below.

The example below shows the comparison of insurance prices with and without discounts applied. The information is based on a male driver, no claims, a clean driving record, Washington state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with defensive driving course, safe-driver, multiple policy, multiple vehicle, passive restraint, and accident-free discounts applied. With discounts applied, the average savings per year on insurance for 19 year olds is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 19’, 4875,3499],[‘Age 30’, 1993,1447],[‘Age 40’, 1993,1441],[‘Age 50’, 1809,1309],[‘Age 60’, 1751,1267]]);var options = {title: ‘Insurance Rate Comparison with Discounts for 19 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}