Question

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

I'm being quoted an extra $190 per month for once I move to WA. For reference, I have a personal vehicle used lightly around town and work from home. Why is insurance more expensive in WA and what can I do to lower it?

Dec 27, 2019 Vancouver, WA

Answer
Kristine Lee

Dec 27, 2019

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims.

Interestingly, our data suggest that the average rate in Washington is slightly less than the average in Texas ($1,368 versus $1,415, respectively). However, it also boils down to your specific zip code and the perceived risks of the area, along with a myriad of other rating factors — like your age, driving history, credit score, and more. Even if car insurance should be less when you move to WA, past infractions on your record or a poor credit score can definitely offset any savings you expect. Without knowing more about you as a driver, we cannot say how exactly you can lower your rate, but here are some tips on how to save on car insurance.

The best thing you can do is shop around every six months — the typical policy period — to see if you can get a better rate. You can do that here with us by entering your zip code below to compare rates from dozens of insurers.

If you have any questions, don't hesitate to ask.


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