How Much is Auto Insurance for High School Students in Washington?

When shopping for the cheapest insurance for teenagers, one of the many considerations that insurance companies use when figuring the annual cost of car insurance is where your residence is in Washington. Areas with more people or more claims like Lakewood, Seattle, and Tacoma tend to have higher rates, whereas more rural areas tend to receive cheaper rates.

The illustration below sorts the most expensive areas in Washington for high school students to buy auto insurance in.

Rates are approximated as the specific garaging location can influence auto insurance rates significantly.

Determining which company quotes the cheapest insurance rates for high school students will take a bit more effort in order to find the lowest price.

Each insurer has their own unique process to determine premium rates, so we will examine the overall cheapest insurance companies in Washington. It’s important that you understand Washington insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Simply having a birthday, buying a new vehicle, or getting a ticket for careless driving can cause premium changes resulting in some companies being cheaper than competitors.

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Capital has some of the cheapest car insurance rates in Washington at around $761 annually. Grange, Nationwide, PEMCO, and Mutual Enumclaw also rank well as some of the most economical Washington auto insurance companies.

In the rate table above, if you are currently insured with Grange and switched to Capital, you could earn savings of in the neighborhood of $77. Insureds with Nationwide might save as much as $229 a year, and PEMCO insureds might reduce prices by as much as $243 a year.

Remember that these premium estimates are averages across all drivers and vehicles and do not factor in a price increase for high school students. So the company that has the cheapest price for you may not even be in the company chart above. That underscores the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

The car, truck, or SUV requiring insurance is one of the main factors that determines whether or not you find low-cost auto insurance for high school students. Vehicles with lots of speed or power, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than more economical and safe models. The next tables presents auto insurance rates for a number of the more afforable automobiles to insure in Washington.

Data assumes single female 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. Estimates do not factor in zip code location which can decrease or increase premiums considerably.

Premium data assumes single female 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. Table data does not factor in vehicle garaging location which can increase or decrease insurance rates significantly.

Table data assumes single female 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 information does not factor in vehicle garaging location which can revise coverage prices considerably.

Discounts on cheap auto insurance for high school students in Washington

Insurers that sell policies for high school students may also offer rate discounts that can lower rates by 40% or more if you meet specific eligibility requirements. A list of insurance companies and their possible discounts are included below.

The information below shows the difference between insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no tickets, no at-fault accidents, Washington state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, vehicle safety, continuous coverage, paid-in-full, paperless filing, and good student discounts applied. With discounts applied, the the average yearly reduction on insurance for high school students is % or $.

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The illustration below illustrates how choosing a deductible can raise or lower yearly insurance costs when trying to find cheap insurance for high school students. The costs are based on a single female driver, full physical damage 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’,’$1,000 Deductible’],[‘Age 20’, 3173,2915,2631,2365],[‘Age 30’, 2181,1995,1781,1579],[‘Age 40’, 2027,1857,1665,1483],[‘Age 50’, 1771,1623,1455,1295],[‘Age 60’, 1715,1571,1409,1255],[‘Age 70’, 2007,1843,1663,1491]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Premiums in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

A 30-year-old driver could lower their car insurance rates by $362 a year by increasing from a $100 deductible up to a $500 deductible, or save $544 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could save as much as $808 or even more by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have spare funds to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Who has the cheapest insurance quotes for teenagers?

There are many different ways to get cheap insurance quotes in Washington, but the most frequently used ways are using a non-exclusive or independent agent, an exclusive insurance agency such as State Farm or Allstate, or direct from companies such as Progressive or Geico.

All three ways can provide insurance quotes, but they differ slightly in how they price policies.

Independent insurance agencies write business for many companies and can compare rates with each one. Agents of this type have the option to provide multiple price quotes, which may give you better odds of saving money. If premiums increase, your policy is moved internally which prevents you from having to find an new insurance agent.

An agent who is captive is only able to write with one company such as a State Farm or Farmers agent. Exclusive agents normally do not have the ability to provide rate quotes from other companies, so if finding the cheapest coverage is your goal, you will need to shop around.

The last way is buying direct, which means you skip an exlusive or independent agent and buy direct online or over the phone from a company like Progressive or Esurance. This insurance option can be good for families who do not need high levels of coverage and have an above average understanding of what limits they need.

Which method works best to find cheap auto insurance for high school students in Washington? One answer would be buying from a direct company results in the cheapest rates because there isn’t an agent involved, but that does not always hold true. We’d also like to say buying insurance from an independent agent is the best way because you have more choices, but again, that’s not accurate. In some circumstances, exclusive agencies have very competitive rates that other companies cannot beat.

Since insurance companies use so many rating factors, really the only way to ensure you are not overpaying for insurance is to compare lots of quotes. Industry experts recommend getting price quotes from independent, exclusive, and direct to give yourself enough choices. For a list of companies with online discounts, click here to view.

How to find economical car insurance for high school students

Below you’ll find some of the better money-saving solutions that can help Washington drivers locate lower-cost auto insurance.

• Better credit scores save money
• Frequent claims will increase rates
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Choose a safer vehicle and pay lower rates
• Staying accident-free helps keep rates low
• Shop around for lower rates once a year

The last idea is especially valuable, as we pointed out in the prior information. Prices charged by auto insurers in Washington vary greatly, so drivers shouldn’t hesitate to buy a different policy if a lower-cost policy is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty results in overpaying hundreds every year. Take a few minutes and shop around to find cheaper auto insurance for high school students.