Car Insurance with Bad Credit in Washington

The Zebra
March 12, 2019

It can be tough to find cheap car insurance if you have bad credit. Car insurance companies utilize credit as a major rating factor, setting policy prices based in part on clients' credit scores. Because auto insurance companies rely on data that show drivers with bad credit are more apt to file car insurance claims, the companies account for for this risk by charging more expensive rates.

Your car insurance costs with a low credit score depends on which company you choose, where you live, and other rating factors. We've gathered below average insurance premiums for drivers with bad credit in major Washington cities and rates from popular insurance companies, plus a few tips to save on car insurance with bad credit in Washington.


Auto insurance for drivers with bad credit in Washington:

  1. Average premiums
  2. Prices by city
  3. Rates by carrier

Auto insurance rates with bad credit in Washington

Washington drivers pay an average penalty of $1,209 per year for having a credit score at the low end of the scale. A driver in either the “poor” or “below fair to poor” credit tier will also pay above-average rates for a car insurance policy.


WASHINGTON CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Washington
Worst$2,369
Poor$2,131
Below Fair to Poor$1,924
Average — All Credit Tiers$1,160

Paying too much? Shop for a new policy!


Car insurance rates with a bad credit score in Washington cities

Car insurance rates will also depend on the specific area where you park your car. Insurers use your address to better understand your likelihood of filing a claim: the denser and claim-prone your immediate area is, the more you'll pay for insurance.

Listed below are major Washington cities and their average car insurance rates for drivers with poor credit ratings.


BAD CREDIT CAR INSURANCE RATES IN WASHINGTON CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Seattle$2,886$2,598$2,347
Spokane$2,272$2,045$1,846
Tacoma$2,989$2,688$2,426
Vancouver$2,465$2,220$2,006
Bellevue$2,585$2,328$2,104

Find an affordable policy!


Best auto insurance companies for bad credit in Washington

Another factor that contributes to your premium is the insurer you buy from. Each auto insurance company rates its policies in a different manner, giving rating factors varying weights in their pricing calculations. Credit is often a significant differentiator in price between insurance companies. In Washington, the cheapest major insurance company with bad credit is USAA, which offers average savings of $1 per year compared to the second-cheapest company, GEICO.

See rates from popular auto insurance companies in Washington for drivers with bad credit.


WASHINGTON CAR INSURANCE RATES WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit Tier
USAA$1,437
GEICO$1,438
American Family$1,765
PEMCO Insurance$2,058
Progressive$2,099

If you’re facing the prospect of buying auto insurance with a low credit score, remember these tips:

  1. See car insurance quotes
  2. Know when to file a claim
  3. Know what determines auto insurance rates