Car insurance policies are affordable in Washington. The average car insurance rate in Washington is $1,160 per year — 18.7% less than the US average.
Your car insurance costs are affected by factors aside from location. Auto insurance premiums price based on myriad factors, such as one's credit score, driving record, age, gender, and marital status.
We reviewed average Washington auto insurance rates by all of the significant rating components. Read on to see how much car insurance costs in your location — or enter your zip code to view unique rates from top auto insurance companies.
Mean Auto Insurance Premiums in Washington by Age
It's a common phenomenon: as you age, your auto insurance expenditures change. As a general rule, car insurance is more expensive for young drivers and teens, as car insurers consider inexperienced drivers as less responsible.
In Washington, auto insurance costs $6,301 each year for a 16-year-old motorist, and only $999 annually for a client between 50 and 59 years of age.
WASHINGTON CAR INSURANCE PRICES BY AGE
|Age||Average Yearly Premium|
Average Auto Insurance Outlays in Washington by GenderWhile gender does not have as significant an effect on auto insurance costs as location or experience level, it is employed as a rating factor. Men pay less than do women for auto insurance in Washington, but the discrepancy is only $18.05 per year.
WASHINGTON CAR INSURANCE RATES FOR MEN AND WOMEN
|Gender||Average Yearly Cost|
Mean Car Insurance Rates in Washington by Marital Status
One pro of nuptials — in addition to the honeymoon — is the better deal you may get on insurance. In the state of Washington, married drivers save $49 each year on car insurance. This is less than the national savings of $76.
WASHINGTON AUTO INSURANCE COSTS BY MARITAL STATUS
|Marital Status||Average Annual Premium|
Average Car Insurance Prices in Washington by Credit History
Car insurers use credit score as a way of determining how reliable a client will be. Data trends show motorists who maintain solid credit are more reliable car insurance clients: they less commonly file claims insurance companies are compelled to cover.
In Washington, a driver who holds excellent credit saves $1,195.44 each year on car insurance rates, versus a driver with a poor credit rating. Learn more about how credit may impact auto insurance premiums:
WASHINGTON CAR INSURANCE PRICES BY CREDIT SCORE
|Credit Score||Average Annual Rate|
|Very Poor (300-579)||$2,159.49|
|Very Good (740-799)||$1,189.34|
Median Auto Insurance Costs for Bad Drivers in Washington
If you’re determined to be at fault after an accident or convicted of a driving infraction, your insurance premiums are going to climb. The more violations you accrue, the pricier your car insurance policy gets.
In Washington, your first minor at-fault incident will cost $326.07 each year in car insurance payments. A DWI — thought of as one of the most serious driving offenses — will increase your insurance rates in Washington by an average of $520.40.
WASHINGTON CAR INSURANCE PREMIUMS AFTER VIOLATIONS
|Age||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 tired of dealing with expensive car insurance, consider shopping around to find cheap coverage that meets state regulations.