How Much Does Auto Insurance Cost for Uninsured Drivers in Washington?

How Much Does Auto Insurance Cost for Uninsured Drivers in Washington?

Figuring out which company offers the cheapest car insurance rates for uninsured drivers will require a bit more effort in order to find the lowest price.

Each insurer has a unique formula for determining prices, so we’ll take a look at the most competitive car insurance companies in Washington.

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What’s the cheapest car insurance in Washington?
Rank Company Cost Per Year
1 Capital $754
2 Grange $822
3 Nationwide $990
4 PEMCO $994
5 Travelers $1,038
6 Mutual Enumclaw $1,054
7 USAA $1,082
8 The Hartford $1,090
9 Allied $1,098
10 California Casualty $1,116
11 Chubb $1,127
12 American Family $1,160
13 State Farm $1,176
14 Safeco $1,192
15 Amica $1,206
16 Liberty Mutual $1,309
17 Farmers $1,315
18 Progressive $1,480
19 National General $1,525
20 GEICO $1,673
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Capital offers some of the most affordable car insurance rates in Washington at around $754 per year. Grange, Nationwide, PEMCO, and Travelers are also some of the cheaper Washington auto insurance companies.

In the rate table above, if you currently have coverage with PEMCO and switched to Capital, you could see a yearly savings of about $240. Washington drivers with Travelers could save as much as $284 a year, and Mutual Enumclaw customers might reduce rates by $300 a year.

To find out how your current rates compare, click here or feel free to get quotes from the companies below.

Remember that these premiums are averages for all insureds and vehicles and are not factoring in a rate decrease for uninsured drivers. So the auto insurance company that fits your situation best may not even be in the above rate chart. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The car, truck, or SUV requiring insurance is a significant factor when quoting cheap auto insurance for uninsured drivers in Washington. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models.

The next tables outlines insurance costs for a selection of the cheapest vehicles to buy coverage for.

Auto Insurance Rates for Popular Cars in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $938 $469 $78
Ford Focus S 4-Dr Sedan $896 $448 $75
Honda Accord LX-S 2-Dr Coupe $1,028 $514 $86
Honda Civic DX 2-Dr Coupe $1,060 $530 $88
Hyundai Elantra Blue 4-Dr Sedan $950 $475 $79
Kia Optima EX $1,048 $524 $87
Nissan Altima Hybrid 4-Dr Sedan $992 $496 $83
Toyota Camry LE $918 $459 $77
Volkswagen Jetta SEL 4-Dr Sedan $992 $496 $83
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave CX 2WD $992 $496 $83
Chevrolet Suburban LT 2WD $938 $469 $78
Chevrolet Traverse LT 2WD $814 $407 $68
Ford Escape Limited 2WD $794 $397 $66
Ford Expedition SSV 2WD $794 $397 $66
Ford Explorer XLT 2WD $864 $432 $72
GMC Acadia SL AWD $864 $432 $72
Honda CR-V EX 4WD $794 $397 $66
Honda Pilot Touring 4WD $938 $469 $78
Jeep Grand Cherokee Laredo 4WD $918 $459 $77
Kia Sportage EX 4WD 4-Dr $918 $459 $77
Subaru Forester XT Limited Edition W/Navigation AWD $942 $471 $79
Toyota Highlander Sport 4WD $938 $469 $78
Toyota RAV4 Limited 2WD $918 $459 $77
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle location which can influence price quotes significantly.

Car Insurance Rates for Popular Pickup Trucks in Washington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,086 $543 $91
Chevrolet Silverado LS Extended Cab 4WD $918 $459 $77
Dodge Ram 2500 Crew Cab SLT 2WD $1,122 $561 $94
Dodge Ram 3500 Crew Cab ST 4WD $1,312 $656 $109
Dodge Ram Crew Cab ST 2WD $994 $497 $83
Ford F-150 XLT Super Cab 2WD $864 $432 $72
GMC Canyon SLE Crew Cab 4WD $938 $469 $78
GMC Sierra 3500HD SLE Extended Cab 2WD $1,012 $506 $84
GMC Sierra SLE Crew Cab 4WD $992 $496 $83
Toyota Tundra SR/5 Crew Max 2WD $974 $487 $81
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific garaging location which can modify auto insurance rates significantly.

For drivers with no prior coverage, one of the big considerations that is looked at to help calculate car insurance rates is where you keep your vehicle in Washington. Areas with more people like Federal Way, Renton, and Kent tend to pay more, whereas less populated areas have the benefit of cheap auto insurance for uninsured drivers in Washington.

The following table illustrates the highest-priced areas in Washington for uninsured drivers to purchase auto insurance in.

Most expensive Washington cities for auto insurance
Rank City Annual Premium
1 Federal Way $1,435
2 Auburn $1,422
3 Renton $1,389
4 Tacoma $1,385
5 Kent $1,378
6 Lakewood $1,378
7 Shoreline $1,352
8 Seattle $1,349
9 South Hill $1,300
10 Marysville $1,245
11 Everett $1,238
12 Sammamish $1,232
13 Kirkland $1,231
14 Bellevue $1,219
15 Redmond $1,201
16 Vancouver $1,192
17 Olympia $1,105
18 Spokane $1,104
19 Lacey $1,089
20 Spokane Valley $1,087
21 Kennewick $1,041
22 Yakima $1,037
23 Richland $1,023
24 Pasco $998
25 Bellingham $977
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Table data uses approximated as the garaging address in Washington can decrease or increase premium rates noticeably.

Best car insurance company in Washington

Finding the right auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Washington. The ranking information below can help you select which car insurance providers to look at to insure your vehicles. The rankings below are only comprised of major nationwide insurance companies, so smaller companies will not be included in these rankings.

Washington Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

Company comparison: Geico vs State Farm vs Allstate vs Progressive

When comparing rates for car insurance for drivers with no prior coverage in Washington, some of the largest companies to start with are Geico, State Farm, Allstate, and Progressive. The following table rates some of the different options and features offered by each company.

Comparison of Top U.S. Auto Insurance Companies
Geico State Farm Allstate Progressive
Customer Satisfaction 1st 4th 2nd 3rd
Overall Cost 1st 2nd 4th 3rd
Handling of Claims 3rd 2nd 1st 4th
Number of Discounts 2nd 3rd 1st 4th
Amount of market share 11.4% 18.3% 10% 8.8%
New car replacement No No Yes No
Usage-based insurance No Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Mechnical breakdown Yes No No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Offered in Washington Yes Yes Yes Yes
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