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cheapest car insurance in washington state 2021

Best CheapestCar Insurance In Washington State 2021

Best CheapestCar Insurance In Washington State 2021 – Finding the best cheapest car insurance in Washington state requires that you consider your insurance needs and your overall budget. Depending on your driving record, you may also need to drive. Since everyone has different insurance needs, there really is no best car insurance provider. Different drivers will get different rates from the service providers based on things like:

  • Age
  • Gender
  • Location
  • Vehicle make and model
  • Level of insurance coverage
  • Driving record
  • Credit score
  • If you qualify for any available discounts

You may control some of these factors, such as your driving history and credit score. However, you cannot change others, such as your age and gender. You may be able to find other ways to save, such as choosing a cheaper car to insure or requesting available insurance discounts.

Washington State Minimum Insurance

While you can adjust the level of your insurance to get a better rate, there is a minimum amount of coverage you must bear. Washington State requires the following minimums:

  • $25,000 bodily injury liability for each person
  • $50,000 bodily injury liability for each accident
  • $10,000 for property damage liability for each accident

While this is a minimum requirement, most drivers can benefit from additional coverage. If you cause an accident, this insurance will only cover injuries and damages to other drivers. You have to pay your medical bills and ruin yourself. This minimum level of coverage also does not cover your vehicle if it is weather damaged or stolen.

Cheapest Insurance Providers in Washington State

While individual insurance rates vary, these are some of the cheapest insurance companies in Washington state:

  • State Farm: Average annual rate is $401
  • GEICO: Average annual rate of $434
  • American family: median annual rate $784
  • Allstate: Average annual rate $863
  • USAA: Average annual rate $342
  • Progressive: Average annual rate $458
  • Mutual of Enumclaw: Average annual rate $527
  • Farmer: Average annual rate $739
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These rates are based on the minimum data coverage from ValuePenguin. Although USAA has the cheapest rates, it is important to note that it is only available to members of the military.

Washington State also has a program for high-risk drivers who may not be able to obtain coverage through other providers. This is known as the Washington Car Plan and is available to any driver in Washington state who is denied coverage on the basis of bad credit or a driving history with multiple violations or accidents.

Best cheapest car insurance in Washington State

The cheapest car insurance in Washington State is not always the best. It is important to consider factors other than price, such as customer satisfaction ratings. These are some of the best companies in Washington state:

  • Farmers Insurance
  • State Farm
  • Allstate
  • USAA
  • American Family

According to Bankrate, each of these car insurance providers has a BBB rating of at least B+ or higher. It may also be helpful to consider the individual driving factors that influence your pricing when choosing the best provider. For example, teen drivers are often the most expensive in Washington state. The Mutual of Enumclaw is probably the best option for drivers under 20 years old.

If you have some high-risk factors, such as if you are a teenage driver and have a history of traffic violations, you may need to do more research to find the best car insurance rates. Mutual of Enumclaw and State Farm usually offer the lowest prices for multi-risk drivers.

If you or a loved one are in the military, you will always get the best rate with USAA as long as you qualify.

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Bad Driving Record? Best Insurance Providers in Washington State

A bad driving record can increase your insurance rate a lot. In fact, drivers with fines on their records paid, on average, 24 percent more than drivers with good records. Usually the best rate cheapest car insurance in Washington state is for drivers with bad driving records with the Mutual of Enumclaw and State Farm..

Having a DUI on your history can increase your rates even more, by up to 65 percent. Usually the best fares in Washington state for drivers who have a DUI on their registry are also with State Farm and Mutual of Enumclaw.

Drivers with a car loan may be required to cover full coverage under the lender’s terms. However, if you own an older car, you may have more control over the level of coverage you buy, as long as it meets minimum state requirements. It is also a good idea to frequently compare offers between the providers you have available. As your insurance rates increase, request an updated quote and reassess your needs.

The best car insurance in Washington state depends on your personal insurance needs. Evaluate your own risk factors, as well as the level of coverage you need when choosing the best insurance provider for you. Check this out if you need additional information, resources, or guidance about car insurance.