Cheap Auto Insurance Quotes for College Graduates in Washington

Cheap Auto Insurance Quotes for College Graduates in Washington

For college grads, one of the big factors that insurance companies use when figuring a rate quote is your address in Washington. Cities with larger populations like Tacoma, Kent, and Auburn are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The next table illustrates the priciest cities in Washington for college graduates in which to purchase auto insurance.

How much does auto insurance cost in Washington?
Rank City Premium Per Year
1 Tacoma $1,427
2 Lakewood $1,420
3 Kent $1,391
4 Federal Way $1,379
5 Auburn $1,366
6 Seattle $1,363
7 Renton $1,361
8 Shoreline $1,326
9 South Hill $1,300
10 Marysville $1,258
11 Kirkland $1,243
12 Everett $1,238
13 Sammamish $1,220
14 Bellevue $1,219
15 Redmond $1,214
16 Vancouver $1,157
17 Lacey $1,111
18 Spokane Valley $1,087
19 Olympia $1,072
20 Spokane $1,060
21 Yakima $1,057
22 Kennewick $1,031
23 Pasco $1,018
24 Richland $993
25 Bellingham $977
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Rates are approximated as the specific Washington residence address can decrease or increase coverage rates noticeably.

Finding good, budget insurance is confusing at best, and determining which company has the cheapest car insurance rates for college graduates will take a bit more work. Each auto insurer has a proprietary formula for determining prices, so let’s take a look at the car insurance companies that tend to be cheaper in Washington.

Best Car Insurance Prices for Grads

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Washington car insurance ranked by cost per year
Rank Company Cost Per Year
1 Capital $761
2 Grange $813
3 Nationwide $961
4 PEMCO $1,004
5 Travelers $1,038
6 The Hartford $1,048
7 Mutual Enumclaw $1,054
8 USAA $1,082
9 California Casualty $1,116
10 Chubb $1,116
11 Allied $1,142
12 State Farm $1,165
13 Safeco $1,180
14 Amica $1,206
15 American Family $1,208
16 Liberty Mutual $1,309
17 Farmers $1,329
18 Progressive $1,510
19 National General $1,525
20 MetLife $1,647
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Capital quotes some of the cheapest car insurance rates in Washington at around $761 per year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the best Washington auto insurance companies.

As shown above, if you currently buy coverage from Grange and switched to Capital, you could realize yearly savings of upwards of $52. Drivers with Nationwide could save as much as $200 a year, and PEMCO customers might see rate reductions of $243 a year.

Remember that these premium estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a price decrease for college graduates. So the insurer that fits your needs best may not even be included in the list above. That point stresses why you need to get rate quotes using your own driver data and vehicle information.

The type of vehicle needing coverage is one of the largest factors when comparison shopping for cheap car insurance for college graduates in Washington. Vehicles with more horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models.

The data below presents auto insurance prices for the most economical automobiles to buy coverage for.

Cheapest Auto Insurance Rates for College Graduates in Washington
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $603
Jeep Wrangler Sport 4WD 2-Dr $628
Ford F-150 XL Regular Cab 2WD $636
Toyota Tacoma 4WD $679
Honda Odyssey EX $702
Honda CR-V EX-L 4WD $709
Hyundai Santa Fe SE 2WD $716
Subaru Outback 3.6R $729
Toyota Camry SE $753
Chevrolet Traverse LTZ AWD $766
Toyota Prius $773
Ford Fusion SE 4-Dr Sedan $766
GMC Sierra SLE Regular Cab 2WD $818
Toyota RAV4 4WD $823
Hyundai Tucson Limited 2WD $818
Chevrolet Equinox LS AWD $823
Subaru Forester X Premium AWD $822
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific location which can lower or raise coverage rates noticeably.

Looking at the rates, you can expect cars like the Ford Escape, Jeep Wrangler, Ford F-150, Toyota Tacoma, and Honda Odyssey are going to be a few of the most budget-friendly vehicles to insure for college grads.

How to get discounts on Washington insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-college-graduates-wa.jpg" alt="Cheaper Washington car insurance for college grads”/>Car insurance companies that sell cheap car insurance for college graduates in Washington may also provide policy discounts that may potentially lower prices by as much as 25% or more if you qualify. The best car insurance companies and some of the discounts are detailed below.

  • American Family may include discounts for mySafetyValet, good student, multi-vehicle, accident-free, TimeAway discount, and early bird.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, driver’s education, defensive driving training, passive restraint, and accident-free.
  • 21st Century has savings for early bird, driver training, teen driver, student driver, defensive driver, and theft prevention.
  • Travelers has discounts for payment discounts, multi-car, good student, continuous insurance, new car, and home ownership.
  • GEICO may offer discounts for multi-policy, anti-lock brakes, seat belt use, membership and employees, air bags, and good student.

The chart below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims, a clean driving record, Washington state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, anti-theft, marriage, defensive driving course, safe-driver, and passive restraint discounts applied. When discounts are applied, the the amount saved on car insurance for college graduates is 28% or $604.

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Washington car insurance companies

Buying coverage from a highly-rated auto insurance provider is difficult considering how many companies provide coverage in Washington. The information shown below could help you pick which auto insurers you want to consider shopping your coverage with.

These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Washington business are not factored into this list. To check prices and find cheaper insurance for college graduates, click this link.

Top Ten Car Insurance Companies for College Graduates
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
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Data Source: Insure.com Best Car Insurance Companies

Find cheap car insurance for college graduates in Washington

Here are some of the better thrifty ideas that can help drivers find cheap coverage.

  • Avoid getting citations and tickets
  • Prevent price hikes by avoiding at-fault accidents
  • Vehicles with good safety ratings are usually cheaper to insure
  • Drivers with good credit ratings often pay less
  • Save money by only buying liability coverage for older vehicles
  • Raise comprehensive and collision coverage deductibles
  • Compare rates often to find the best deal

That final tip is very necessary, as was emphasized in the article above. Auto insurance rates in Washington can change significantly in a year, so drivers shouldn’t hesitate to switch companies if a cheaper rate is available. Staying with the same car insurance company is fine, but we do not recommend it if it’s costing you thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper car insurance for college graduates.