I’m sure you’ve seen the catchy commercials from car insurance companies like Allstate and Farmers that promise enormous savings. So you just need to pick the one with the best commercial, right?
It’s just not that easy, however, as there are a whole bunch of unknowns like how far you drive each year, if you rent or own your home, the type of vehicle you drive, and when you were born. We will try to cover some of these things and also should give you a jump start in finding the best auto insurance.
One of the more important components that helps car insurance companies calculate the price you pay for insurance is where your home is located in Washington. Densely populated urban areas like Lakewood, Kent, and Auburn will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally have lower rates.
The information below sorts the highest-priced places in Washington for felons to buy an auto insurance policy in.
Rank | City | Annual Rate |
---|---|---|
1 | Lakewood | $1,434 |
2 | Federal Way | $1,393 |
3 | Kent | $1,391 |
4 | Tacoma | $1,385 |
5 | Auburn | $1,380 |
6 | Seattle | $1,363 |
7 | Renton | $1,361 |
8 | Shoreline | $1,352 |
9 | South Hill | $1,314 |
10 | Bellevue | $1,256 |
11 | Redmond | $1,251 |
12 | Everett | $1,238 |
13 | Sammamish | $1,232 |
14 | Kirkland | $1,231 |
15 | Marysville | $1,221 |
16 | Vancouver | $1,157 |
17 | Lacey | $1,122 |
18 | Spokane Valley | $1,098 |
19 | Olympia | $1,083 |
20 | Spokane | $1,071 |
21 | Yakima | $1,057 |
22 | Kennewick | $1,011 |
23 | Bellingham | $1,007 |
24 | Pasco | $988 |
25 | Richland | $983 |
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Premium costs are comparative as zip code location can alter coverage prices noticeably.
The vehicle that is being insured is probably the most important factor when comparing cheap car insurance for felons in Washington. Vehicles with high performance engines, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The next lists showcases auto insurance rates for a number of the cheaper automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Fusion SEL AWD 4-Dr Sedan | $892 | $446 | $74 |
Honda Accord EX-L 2-Dr Coupe | $888 | $444 | $74 |
Hyundai Elantra Blue 4-Dr Sedan | $804 | $402 | $67 |
Kia Optima EX | $888 | $444 | $74 |
Nissan Altima 2.5 S 4-Dr Sedan | $820 | $410 | $68 |
Toyota Camry SE | $820 | $410 | $68 |
Toyota Corolla LE | $820 | $410 | $68 |
Volkswagen Jetta SE 4-Dr Sedan | $834 | $417 | $70 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in zip code location which can revise coverage prices substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX Technology Package 2WD | $772 | $386 | $64 |
Chevrolet Traverse LT 2WD | $688 | $344 | $57 |
Ford Escape Limited 2WD | $674 | $337 | $56 |
Ford Explorer Eddie Bauer AWD | $792 | $396 | $66 |
GMC Acadia SL AWD | $736 | $368 | $61 |
Honda CR-V LX 2WD | $658 | $329 | $55 |
Honda Fit Sport VSA | $678 | $339 | $57 |
Honda Pilot Touring 4WD | $792 | $396 | $66 |
Hyundai Tucson GLS 4WD | $736 | $368 | $61 |
Jeep Grand Cherokee Limited 2WD | $834 | $417 | $70 |
Lexus RX 350 4WD | $946 | $473 | $79 |
Toyota 4Runner Sport 2WD | $688 | $344 | $57 |
Toyota Highlander 2WD | $736 | $368 | $61 |
Toyota RAV4 4WD | $778 | $389 | $65 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific Washington garaging location which can revise rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Extended Cab 2WD | $762 | $381 | $64 |
Chevrolet Silverado LS Regular Cab 2WD | $774 | $387 | $65 |
Dodge Ram 3500 Crew Cab ST 4WD | $1,118 | $559 | $93 |
Dodge Ram Quad Cab TRX4 Off Road 2WD | $846 | $423 | $71 |
Ford F-150 FX2 Super Cab 2WD | $736 | $368 | $61 |
Ford F-250 XLT Crew Cab Turbo Diesel 2WD | $946 | $473 | $79 |
GMC Sierra 3500HD SLE Regular Cab 4WD | $996 | $498 | $83 |
GMC Sierra SLE Regular Cab 2WD | $778 | $389 | $65 |
Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $792 | $396 | $66 |
Toyota Tundra Limited Double Cab 2WD | $888 | $444 | $74 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can lower or raise premiums significantly.
Finding dependable, cost effective car insurance is difficult, and figuring out which company quotes the lowest-priced car insurance rates for felons will require even more diligence. Every insurance company has a proprietary method for establishing rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Washington.
It’s important that you understand Washington car insurance rates are impacted by many things that will increase or decrease the policy premium. Events like a birthday, buying a home instead of renting, or getting into an accident may cause policy rate changes resulting in some rates now being much higher than others.
Best Cheap Insurance Rates for Felons
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Rank | Company | Cost Per Year |
---|---|---|
1 | Capital | $784 |
2 | Grange | $838 |
3 | Nationwide | $990 |
4 | PEMCO | $994 |
5 | Travelers | $1,038 |
6 | The Hartford | $1,048 |
7 | Mutual Enumclaw | $1,065 |
8 | California Casualty | $1,072 |
9 | USAA | $1,092 |
10 | Chubb | $1,116 |
11 | State Farm | $1,130 |
12 | Allied | $1,131 |
13 | American Family | $1,160 |
14 | Amica | $1,206 |
15 | Safeco | $1,228 |
16 | Liberty Mutual | $1,296 |
17 | Farmers | $1,369 |
18 | National General | $1,480 |
19 | Progressive | $1,480 |
20 | GEICO | $1,673 |
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Capital generally has some of the lowest car insurance rates in Washington at around $784 each year. Grange, Nationwide, PEMCO, and Travelers also rank well as some of the cheapest Washington insurance companies.
As shown in the rates above, if you currently have a policy with Grange and switched to Capital, you might see annual savings of in the vicinity of $54. Customers with Nationwide might save as much as $206 a year, and PEMCO insureds might reduce rates by $210 a year.
Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a price discount for felons. So the company that fits your age and vehicle best may not even be included in the above rate chart. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.
<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-felons-wa.jpg" alt="Cheaper Washington car insurance for felons”/>Insurance providers that sell cheap car insurance for felons in Washington may also offer policy discounts that could reduce prices by as much as 35% or more if you meet the requirements. A few popular companies and the discounts they provide include:
Discount | State Farm | Geico | Progressive | Allstate | Farmers |
---|---|---|---|---|---|
Bundled policies | Yes | Yes | Yes | Yes | Yes |
Multiple vehicles | Yes | Yes | Yes | No | Yes |
Anti-theft | Yes | Yes | Yes | Yes | Yes |
Safe vehicle | Yes | Yes | No | Yes | No |
Passive restraint | Yes | Yes | No | Yes | Yes |
Running lights | Yes | Yes | No | No | Yes |
New car | Yes | No | No | Yes | Yes |
Green vehicle | No | No | No | Yes | Yes |
Accident-free | Yes | Yes | Yes | Yes | Yes |
Defensive driver training | Yes | Yes | Yes | Yes | Yes |
Low miles | Yes | No | Yes | Yes | No |
Military | Yes | Yes | Yes | No | Yes |
Affinity/occupation | No | Yes | No | No | Yes |
Paid in full | No | Yes | Yes | Yes | Yes |
Email statements | No | Yes | Yes | Yes | Yes |
Brand loyalty | Yes | No | Yes | No | Yes |
Sign early | No | No | No | Yes | Yes |
Smart student | Yes | Yes | Yes | Yes | Yes |
Student away from home | Yes | No | Yes | Yes | Yes |
Own your home | No | No | Yes | No | Yes |
Seat belt use | No | Yes | No | No | No |
Online quote | No | No | Yes | No | No |
Teenage driver | No | No | Yes | No | No |
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The illustration below visualizes the comparison of insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, no accidents or driving violations, Washington state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, multiple vehicle, safe-driver, defensive driving course, vehicle safety, and marriage discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for felons is 32% or $448.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2389,1715],[‘Age 30’, 1605,1161],[‘Age 40’, 1505,1089],[‘Age 50’, 1315,949],[‘Age 60’, 1275,923],[‘Age 70’, 1509,1085]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Felons’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
Picking a high-quality insurer is difficult considering how many different companies there are to choose from in Washington. The ranking information shown next could help you pick which auto insurers you want to consider when comparing rate quotes.
These ratings are only comprised of companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in this list. To compare prices from these and other top-rated companies, simply click here.
If you are looking for the best auto insurance for felons in Washington, the most popular companies are Geico, State Farm, Progressive, and Allstate. The table below shows pricing and service ratings, as well as optional policy coverages that may be available in Washington.
Geico | State Farm | Progressive | Allstate | |
---|---|---|---|---|
Client Satisfaction | 1st | 4th | 3rd | 2nd |
Discounts Available | 2nd | 3rd | 4th | 1st |
Handling of Claims | 3rd | 2nd | 4th | 1st |
Overall Cost | 1st | 2nd | 3rd | 4th |
U.S. market share | 11.4% | 18.3% | 8.8% | 10% |
Customers who recommend | 87% | 88% | 88% | 86% |
A.M. Best financial rating | A++ | A++ | A+ | A+ |
New car replacement insurance | No | No | No | Yes |
Rating based on usage | No | Yes | Yes | Yes |
Mechnical breakdown | Yes | No | Yes | No |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | No | Yes | Yes |
Emergency roadside service | Yes | Yes | Yes | Yes |
Insurance Agents | From a Geico agent or online | State Farm exclusive agents | Indpendent agents or online | Allstate-only agents |
Number of agents | 150+ | 18,000+ | 30,000+ | 11,000+ |
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