How Much is Car Insurance for Hybrid Vehicles in Washington?

For Washington drivers, one of the considerations that influence the amount you pay each year for auto insurance is where you call home in Washington. Areas with more people or even just a higher incidence of claims like Seattle, Lakewood, and Auburn tend to have more expensive auto insurance rates, whereas areas that are not as densely populated can boast about having cheaper rates.

The illustration below displays the priciest cities in Washington for hybrid vehicles to purchase a policy in.

Information shown are comparative as specific Washington zip code can impact price quotes considerably.

The car, truck, or SUV that needs insurance is one of the primary factors when quoting cheap car insurance for hybrid vehicles in Washington. Vehicles with lots of horsepower, a lack of safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models. The data below estimates insurance costs for some of the most affordable vehicles to buy coverage for.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can change insurance rates greatly.

Based upon the rates shown, you can assume that cars like the Honda CR-V, Ford Explorer, Toyota Prius, Honda Accord, and Jeep Wrangler are likely to be a few of the cheapest vehicles to insure for hybrids.

Figuring out which company quotes the cheapest insurance rates for hybrid vehicles takes a bit more work in order to find the lowest price.

Every car insurance company has their own process for filing rates in each state, so let’s look at the rankings for the insurance companies with the overall best prices in Washington. It’s important to understand that Washington insurance rates are calculated based on many things that control the cost of coverage. Simply improving your credit, moving to a new city, or getting caught speeding can trigger rate changes resulting in some rates now being much cheaper than others.

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Capital generally has some of the best car insurance rates in Washington at around $777 each year. Grange, PEMCO, Nationwide, and Travelers are also some of the lowest-priced Washington insurance companies.

As illustrated above, if you are a customer of PEMCO and switched to Capital, you could realize a yearly price reduction of around $197. Policyholders with Nationwide may save as much as $213 a year, and Travelers insureds might realize rate reductions of up to $261 a year.

To find cheap car insurance for hybrid vehicles in Washington for your vehicle, click here or visit any of the low-priced companies below.

Remember that these policy prices are averages for all types of drivers and the different vehicles they drive and do not factor in a rate discount for hybrid vehicles. So the car insurance company that is best for you may not even be featured in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Ending up with the best car insurance provider can be challenging considering how many different companies sell coverage in Washington. The company rank data below could help you select which companies to look at when buying insurance for hybrid vehicles.

The ratings below are only comprised of the largest companies in America, so companies that may only write in Washington are not included in this list. If you’d like to compare prices from these top-rated insurers and more, just click here.

Top 10 Major Auto Insurers in Washington Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. Allstate – 88%
9. 21st Century – 88%
10. The General – 88%

Top 10 Major Auto Insurers in Washington Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Best cheap insurance quotes for hybrids

Consumers have many ways to comparison shop for insurance in Washington, but the most preferred are through a non-exclusive or independent agent, an exclusive agency like Allstate or Liberty Mutual, or direct either online or via phone. You can use whichever you prefer, but buyers need to know the differences in how they provide price quotes.

Independent insurance agents have contracts with many companies and can compare coverage rates with every one. These types of agencies are not employed by one specific company and can give you more rates, which may give you the best chance of finding a lower price. If they find a cheaper price, it’s simple to move the policy and you can keep the same agent.

An agent who is captive is only able to quote rates from a single insurance company, two popular examples being State Farm and Auto-Owners agents. Exclusive agents cannot place coverage with different providers, so if rates are high, they cannot give you alternative choices.

Opting to purchase insurance direct means you do not use an agent and buy direct online or over the phone from a company like Esurance or Geico. Buying insurance direct can be a good choice for families who do not need advice for risk management and understand what is covered and what is not.

So which of the methods works best to find cheap car insurance for hybrid vehicles in Washington? We would first guess that buying direct saves the most money because there is no agent involved, but that turns out to not be true. And we’d like to say an independent agent guarantees the lowest rates due to having more companies to select from, but again, it’s not a sure thing. For some people, exclusive agencies have really good rates that are well below what direct and independents offer.

Because there are so many factors that make up insurance rates, the guaranteed way to find out which one is cheapest is to get quotes and compare. Money-saving experts recommend you get quotes from all three types to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.