Learn more about car insurance costs by rating factor in Washington.
But auto insurance premiums are affected by more than just the state in which you live. Auto insurance rates consider a number of details, including one's age, gender, marital status, credit, and driving history.
We analyzed average Washington car insurance rates by all of the most common rating factors. Read on to see how much auto insurance runs in each US state — or enter your zip to view unique rates from popular car insurance companies.
It's a common phenomenon: as you age, your auto insurance prices shift. Generally, car insurance is more expensive for young drivers, as car insurers see inexperienced motorists as riskier.
|Age||Average Yearly Rate|
If you're shopping for car insurance for a teen driver, Washington is the 27th cheapest state in which to buy auto insurance for a 16-year-old.
While gender does not carry as large an impact on auto insurance rates as location or age, it is used as a rating factor by insurers.
|Gender||Average Yearly Rate|
If you're worried you aren't getting the best possible value for your money with your current auto insurance company, the best thing to do is to do some shopping.
One benefit of marriage — in addition to the wedding gifts — is the lower prices you tend to receive on auto insurance. In Washington, wedded drivers save $49 per year on auto insurance. This is a smaller discount than the national average of $76.
|Marital Status||Average Annual Rate|
Car insurance for divorced drivers in Washington is the 38th most expensive in the nation. If you feel like you're being overcharged for your policy, weigh your options. You never know when you'll find a great deal!
Car insurers reference credit history as a prediction of a potential customer's insurability. Historical data indicate motorists who carry exceptional credit are more dependable auto insurance customers: they less frequently file claims covered by insurance companies.
In Washington, a driver who maintains exceptional credit saves $1,195.44 per year on auto insurance rates, contrasted with a driver with a less-favorable credit history. Learn more about how credit score affects car insurance premiums:
|Credit Quality||Average Annual Premium|
|Very Poor (300-579)||$2,159.49|
|Very Good (740-799)||$1,189.34|
Finding affordable car insurance with a low credit score is sometimes difficult. But The Zebra is here to assist. Review our guide to getting auto insurance with bad credit and learn how to save!
If you've been found at fault in a car accident or convicted of an on-road offense, your auto insurance costs are going to climb. The more violations you amass, the more expensive your auto insurance gets.
In Washington, your first minor at-fault collision results in a penalty of $326.07 per year in auto insurance premiums. A DUI — thought of as one of the most severe driving violations — will raise your annual car insurance costs in Washington by an average of $520.40.
|Violation||Average Annual Premium|
|DUI or DWI||$1,680.73|
|At-Fault Accident (<$1,000)||$1,486.40|
|At-Fault Accident ($1,000-$2,000)||$1,523.84|
|At-Fault Accident (>$2,000)||$1,486.40|
|Speeding (21-25 MPH > limit)||$1,391.83|
|Speeding (16-20 MPH > limit)||$1,363.56|
If you're facing above-average auto insurance costs, consider getting quotes to find inexpensive coverage that suits you.
How much you pay each month for auto insurance is dependent on the tier of coverage you elect to carry. Liability-only coverage generally costs less, while lower-deductible comprehensive coverage costs more. In Washington, the cost gap between liability-only coverage and full coverage with a $500 deductible is $507.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$758|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,165|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,262|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$677|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,086|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,183|
|State Minimum — Liability Only||$607|
|State Minimum — $1,000 Comprehensive/Collision||$1,018|
|State Minimum — $500 Comprehensive/Collision||$1,114|
If your premiums are above-average, it's worth insurance shopping to find affordable coverage that works.