Best Cheap Car Insurance Quotes for 18 Year Olds in Washington

When buying car insurance for teen drivers, one of the key considerations that is used by car insurance companies to determine a rate quote is your zip code. Areas that are more densely populated like Federal Way, Tacoma, and Auburn tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The information below rates the highest-priced areas in Washington for 18 year olds in which to purchase auto insurance.

Table data uses estimated as specific location information can increase or decrease auto insurance rates substantially.

The safety and performance level of the vehicle on the policy is a large consideration when comparing quotes for the best cheap car insurance for 18 year olds in Washington. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below shows coverage rates for a selection of the most economical automobiles to buy coverage for.

Prices based on single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in garaging location in Washington which can influence premium rates substantially.

Table data represents single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle location which can increase or decrease price quotes greatly.

Cost estimates assume single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in Washington location which can affect premium rates considerably.

Trying to buy low-priced auto insurance is not the easiest thing to do, and figuring out which companies quote the lowest-priced car insurance rates for 18 year olds calls for additional perseverance. Policy rates will be significantly more expensive than the average policy in Washington, with the higher price attributed to the potentially higher risk that goes along with selling coverage for teen drivers, but affordable coverage should be attainable if you compare enough companies. Every insurance provider uses their own calculation for setting rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Washington.

It’s important to know that Washington car insurance rates are influenced by many factors that control the cost of having a policy. Things like getting older, adding a teenager to your policy, or having an at-fault accident may cause policy rate changes resulting in some companies being higher when they were quite affordable.

Find the Cheapest Car Insurance for Teens

Compare Rates and Save

Capital offers some of the cheapest car insurance rates in Washington at around $777 a year. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the more affordable Washington car insurance companies.

In the rate table above, if you currently buy coverage from PEMCO and switched to Grange, you could earn savings of about $147. Drivers with Travelers may save as much as $161 a year, and Mutual Enumclaw insureds might lower prices by up to $176 a year.

It’s important to note that these premium estimates are averages for all drivers and vehicles in Washington and and are not calculated with a price surcharge for 18 year olds. So the auto insurance company that can offer you the lowest price may not even be in the company chart above. That’s why you need to compare as many prices as possible using your own driver and vehicle profiles.

Discounts on the best cheap car insurance for 18 year olds in Washington

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-18-year-olds-wa.jpg" alt="Cheaper Washington car insurance for teen drivers” />Car insurance companies that provide coverage for 18 year olds may also provide premium discounts that can lower rates by as much as 35% or more if you meet eligibility requirements. Popular car insurance companies and their offered discounts can be read below.

• Esurance may have discounts that include Switch & Save, safety device, Pac-12 alumni, anti-lock brakes, paid-in-full, emergency road assistance, and renters.
• The Hartford policyholders can earn discounts including defensive driver, vehicle fuel type, bundle, air bag, good student, and driver training.
• AAA offers premium reductions for good driver, anti-theft, good student, multi-car, multi-policy, education and occupation, and AAA membership discount.
• GEICO may include discounts for anti-theft, membership and employees, good student, driver training, federal employee, military active duty, and five-year accident-free.
• State Farm offers discounts for Drive Safe & Save, multiple policy, safe vehicle, defensive driving training, and student away at school.

The example below visualizes the comparison of car insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving citations, Washington state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paid-in-full, good student, anti-theft, vehicle safety, passive restraint, and continuous coverage discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for 18 year olds is 28% or $494.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 18’, 3201,2299],[‘Age 30’, 1503,1093],[‘Age 40’, 1397,1015],[‘Age 50’, 1225,889],[‘Age 60’, 1183,857]]);var options = {title: ‘Effect of Discounts on Insurance Rates for 18 Year Olds’,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 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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Choosing the best car insurance company can be difficult considering how many companies sell insurance in Washington. The company rank data shown next may help you choose which insurers you want to consider purchasing from. These rankings only include companies with a national presence, so companies without a large exposure are not factored into these rankings.

Top 10 Large Auto Insurance Providers in Washington Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Titan Insurance – A+
8. Progressive – A+
9. Allstate – A+
10. Nationwide – A+

Company comparison: Geico vs State Farm vs Allstate vs Progressive

If you are looking for the best car insurance for teen drivers, four companies you’ll want quotes from are Geico, State Farm, Allstate, and Progressive. When added together, they insure over 45% of all auto insurance written. All of them offer liability and physical damage protection, but each on has a different combination of discounts, features, and options that may influence your buying decision. The data below points out some of the ratings and options that are available.