Car Insurance for Good Drivers in Washington

The Zebra
July 15, 2019

Car insurance for good drivers in Washington

Many of the factors insurance companies use to set your car insurance rates lie beyond your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for more affordable rates.

If you want to minimize your insurance expenditure, try to keep your driving record cleaen, your credit score solid, and your monthly driving mileage low. Car insurance companies offer lower rates to drivers who pose the least risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below example rates from top companies for low-risk customers in Washington.

Car insurance for citation-free drivers in Washington

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Car insurance companies see safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're free of tickets, start your search for car insurance with PEMCO, with average annual premiums of $1,008. That comes out to $-90less than the average car insurance rate for drivers without citations in Washington.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN WASHINGTON
Insurance CompanyAvg. Annual Auto Insurance Rate
PEMCO$1,008
USAA$1,026
Capital Insurance Group$1,150
Grange$1,267
State Farm$1,323
Chubb$1,324
Progressive$1,514
American Family$1,552

Car insurance rates for drivers with above-average credit in Washington

Car insurance companies reward clients who maintain a solid credit history. If your credit history is solid, you could earn a price break on your next insurance policy.

If your credit score is “good,” your best option for car insurance might be PEMCO, offering average rates of $1,008. If your credit score is in the “excellent” range, PEMCO might be a smart place to start your search. PEMCO's prices for drivers with credit scores of 800 and up are $187 per year less than the typical car insurance rate for drivers with exceptional credit in Washington.

Find below a breakdown of auto insurance rates in Washington for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN WASHINGTON
Insurance CompanyAvg. Annual Auto Insurance Rate
PEMCO$1,008
USAA$1,026
Capital Insurance Group$1,150
Grange$1,267
State Farm$1,323
Chubb$1,324
Progressive$1,514
American Family$1,552

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN WASHINGTON
Insurance CompanyAvg. Annual Auto Insurance Rate
PEMCO$886
USAA$962
Capital Insurance Group$1,075
State Farm$1,175
Chubb$1,218
Grange$1,239
Progressive$1,326
American Family$1,470

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN WASHINGTON
Insurance CompanyAvg. Annual Auto Insurance Rate
PEMCO$778
USAA$896
Capital Insurance Group$981
State Farm$1,042
Chubb$1,098
Progressive$1,147
Grange$1,203
American Family$1,392

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Car insurance for low-mileage drivers in Washington

The fewer miles you drive, the less likely you are to file an insurance claim. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a resident of Washington who doesn't rack up major mileage, consider PEMCO, which offers average annual savings of $60 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN WASHINGTON
Insurance CompanyAvg. Annual Auto Insurance Rate
PEMCO$858
USAA$915
Capital Insurance Group$1,150
State Farm$1,181
Grange$1,267
Chubb$1,324
GEICO$1,371
American Family$1,422

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Rates for good drivers in Washington — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Car insurance companies price policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Spokane$1,201$1,201$1,127$1,035$1,071
Everett$1,356$1,356$1,269$1,162$1,168
Bellevue$1,365$1,365$1,277$1,170$1,186
Seattle$1,450$1,450$1,355$1,241$1,257
Tacoma$1,538$1,538$1,437$1,315$1,321

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