Cheap Car Insurance Quotes for Good Students in Washington

Determining which insurers offer the lowest-priced car insurance rates for good students will require a little more effort than just getting one or two price quotes.

Every insurance provider used slightly different criteria for establishing rates, so let’s look at the rankings for the overall cheapest car insurance companies in Washington.

Cheap Insurance Rates for Students

Start Your Free Quote

Capital may have some of the lowest car insurance rates in Washington at around $777 a year. Grange, Nationwide, PEMCO, and Travelers are also some of the cheaper Washington auto insurance companies.

As shown in the table above, if you buy coverage from Grange and switched to Capital, you could see a yearly price reduction of around $61. Customers with Nationwide might save as much as $184 a year, and PEMCO customers might see rate reductions of $217 a year.

If you want to find out if you’re overpaying, click here to start a quote or visit any of the companies below.

Be aware that those prices are averaged for all drivers and vehicles in Washington and are not factoring in a rate discount for good students. So the company that fits your situation best may not even be included in the list of companies above. That affirms the importance of why you need to get rate quotes using your own driver and vehicle profiles.

The vehicle you are seeking coverage for is a significant factor in finding cheap car insurance for good students in Washington. Vehicles with more horsepower, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models. The data below outlines coverage rates for the most affordable vehicles to insure in Washington.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can impact rates significantly.

Prices based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific zip code location which can alter auto insurance rates significantly.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can affect prices substantially.

When buying car insurance for student drivers, one of the key criteria that determine the amount you pay for auto insurance is where you choose to live in Washington. Cities with more crime and/or more people like Federal Way, Lakewood, and Shoreline likely pay more, whereas areas with less congestion have the luxury of cheap car insurance for good students in Washington.

The table below displays the most expensive cities in Washington for good students to buy car insurance in.

Annual rates are comparative as specific location information can lower or raise prices noticeably.

The chart below highlights how deductible choice can impact insurance rates when trying to find cheap insurance for good students. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2613,2389,2139,1903],[‘Age 30’, 1827,1663,1473,1291],[‘Age 40’, 1693,1543,1371,1209],[‘Age 50’, 1481,1351,1201,1059],[‘Age 60’, 1431,1305,1161,1023],[‘Age 70’, 1655,1511,1353,1203]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

As shown above, a 30-year-old driver could lower rates by $322 a year by increasing from a $100 deductible up to a $500 deductible, or save $484 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, could roll back prices as much as $710 annually by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough savings to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Illustration showing the impact of accidents and violations

A great way to get the cheapest car insurance premiums for student drivers is to drive carefully and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and accidents can drive up insurance prices for different categories of driver ages. The costs are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2321,2587,3337],[‘Age 30’, 1621,1889,2639],[‘Age 40’, 1605,1871,2621],[‘Age 50’, 1407,1677,2429],[‘Age 60’, 1341,1609,2359],[‘Age 70’, 1445,1711,2465]]);var options = {title: ‘Violations, Accidents, and Washington Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Washington’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $1,623. Get written up for one speeding ticket and the average cost rises to $1,891, an increase of $267 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for good students goes up to an average of $2,642. That’s an increase of $1,018, or $85 per month, just for not keeping your driving record clean!