Cheapest Car Insurance for High Mileage Drivers in Washington

The words “affordable” and “insurance” really shouldn’t be used together, specifically when comparison shopping for the cheapest coverage for high mileage drivers. Because it’s so expensive, let’s get started by showing you a few of the factors that help determine insurance rates, and find a few ways to slash the price of your next policy.

When buying auto insurance for high mileage drivers, one of the key considerations that is used by auto insurance companies to determine car insurance rates is where you call home. Areas that are more densely populated or have higher claim rates like Tacoma, Lakewood, and Seattle are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay less for auto insurance.

The information below rates the most expensive places in Washington for high mileage drivers to purchase a policy in.

Information shown are comparative as zip code location can lower or raise coverage rates significantly.

The safety and performance level of the vehicle driven is probably the largest consideration that determines whether or not you find the lowest-priced coverage for high mileage drivers. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer models. The information below estimates insurance rates for a selection of the most affordable vehicles to insure.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific Washington garaging location which can modify rates noticeably.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in vehicle garaging location which can affect insurance rates significantly.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can alter premium rates significantly.

Is Geico, Progressive, State Farm, or Allstate cheaper?

When comparing rates for auto insurance for high mileage drivers, the most popular companies are Geico, Progressive, State Farm, and Allstate. The next table compares some of the different options and features that policyholders can buy.

Who has the cheapest insurance quotes for high mileage drivers?

Thanks to technology, there are a lot of ways to compare auto insurance prices in Washington, but the most frequently used are through a non-exclusive or independent agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or buying direct from a company like Geico or Progressive.

They all have the same end result, but they differ in how they provide price quotes.

Independent agents have contracts with multiple insurance companies and can compare rates with all of them. These types of agents are appointed with more than one company and can give you more rate choices, which may give you a better chance of finding cheaper coverage. If you want to switch companies, your policy can be moved and that require little work on your part.

Exclusive agencies are only able to quote rates from just one company, examples being Liberty Mutual and Allstate agents. These agents are unable to place coverage with different providers, so you will not be able to compare their rates to other companies.

Buying direct means you do not use local agents and instead buy from a direct company like Progressive or Esurance. Buying direct may be good for drivers who do not need complex risk management and have an above average understanding of how their policy works.

So which of the methods works best for finding the cheapest auto insurance for high mileage drivers in Washington? Our initial answer would be buying from a direct car insurance company saves money because you bypass the middleman, but in reality, that is not true. An argument could also be made that buying auto insurance from an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not accurate. For the right applicant, exclusive agencies have very competitive rates that are the lowest in Washington.

Since auto insurance companies use so many rating factors, the best way to ensure you are not overpaying for auto insurance is to compare lots of quotes. If time allows, get rate quotes from all three to have a good selection of rates to choose from. To see some of the cheapest online companies available, click here to view.