Who Has the Cheapest Car Insurance for Active Military in Washington?

Who Has the Cheapest Car Insurance for Active Military in Washington?

When shopping for the cheapest auto insurance for military personnel, one of the many considerations that auto insurance companies take into consideration when calculating car insurance rates is where you call home in Washington. Areas that are densely populated or have higher claim frequency like Tacoma, Auburn, and Kent tend to pay more, whereas areas with less people or fewer weather incidents receive better rates.

The following table displays the highest-priced places in Washington for active military to buy car insurance in.

Where does Washington rank for car insurance cost?
Rank City Annual Rate
1 Tacoma $1,441
2 Lakewood $1,434
3 Auburn $1,408
4 Federal Way $1,393
5 Kent $1,391
6 Seattle $1,363
7 Renton $1,361
8 South Hill $1,340
9 Shoreline $1,326
10 Everett $1,238
11 Redmond $1,238
12 Sammamish $1,220
13 Bellevue $1,219
14 Marysville $1,208
15 Kirkland $1,207
16 Vancouver $1,146
17 Lacey $1,122
18 Olympia $1,083
19 Yakima $1,068
20 Spokane $1,060
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Rate quotes are estimated as the specific area where the vehicle is garaged can raise or lower price quotes noticeably.

Shopping around for budget auto insurance is challenging, and finding out which company offers the cheapest insurance rates for active military requires even more work. Insurance prices could be moderately better than the state average attributed to the potentially lower risk related to selling coverage for military personnel. Economical insurance should be easy to find from many insurance companies.

Each company has a proprietary method for determining rates in each state, so to begin we’ll rank the overall cheapest insurance companies in Washington. It’s important that readers know that Washington insurance rates are based on many factors which can substantially change the price you have to pay. Taking a driver safety course, buying a different vehicle, or getting a ticket for running a stop sign can trigger price changes that may make certain companies way too expensive in comparison to the competition.

Cheap Insurance Rates for Military

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Cheapest Washington auto insurance companies
Rank Company Cost Per Year
1 Capital $784
2 Grange $847
3 PEMCO $964
4 Nationwide $990
5 Travelers $1,038
6 USAA $1,050
7 Mutual Enumclaw $1,065
8 The Hartford $1,090
9 California Casualty $1,105
10 Allied $1,109
11 Chubb $1,127
12 State Farm $1,141
13 Safeco $1,192
14 Amica $1,206
15 American Family $1,208
16 Liberty Mutual $1,296
17 Farmers $1,355
18 National General $1,480
19 Progressive $1,525
20 MetLife $1,697
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Capital has some of the cheapest car insurance rates in Washington at around $784 annually. Grange, PEMCO, Nationwide, and Travelers also qualify as some of the cheaper Washington insurance companies.

In the rate table above, if you are currently insured with Travelers and switched to Grange, you could see a yearly savings of roughly $191. Insureds with USAA could save as much as $203 a year, and Mutual Enumclaw policyholders might reduce prices by as much as $218 a year.

Bear in mind that those policy prices are averaged for all drivers and vehicles in Washington and and are not calculated with a rate discount for active military. So the car insurance company that fits your age and vehicle best may not even be featured in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Picking a high-quality car insurance provider is difficult considering how many companies provide coverage in Washington. The company information listed below may help you analyze which insurers to look at when trying to find the cheapest insurance for active military. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in these rankings.

Top 15 Insurance Companies for Active Military
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Insure.com Best Car Insurance Companies

The chart below illustrates how choosing a deductible can raise or lower insurance premiums when researching cheap insurance for active military. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $316 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save as much as $808 or more just by using higher deductibles. When choosing a higher deductible, it is necessary to have additional funds squirreled away to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to get the cheapest car insurance for active military in Washington

The list below shows a few penny-pinching solutions that can help drivers find lower-cost coverage.

  • Increase deductibles to save money
  • Avoid getting citations and tickets
  • Staying accident-free helps keep rates low
  • Buy a car with high safety ratings
  • Higher credit scores can equal lower rates
  • Drop full coverage on older vehicles
  • Compare prices frequently to find the best deal

The final tip is incredibly significant, as we pointed out in the article above. Insurance prices in Washington vary greatly, so don’t be afraid to switch to a new company if a better rate can be found.

Staying with the same company for years is fine, but it’s not a great idea if that faithfulness ends up costing you money that could be spent on other things. In just a few minutes you could compare rates to find cheaper auto insurance for active military.