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Low Auto Insurance Rates in Washington


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Auto insurance rates in the state of Washington are $1,344, which is about $100 below the national average of $1,440 for 2011.

Annual Changes

Washington auto insurance costs decreased by 17% between 2010 and 2011, following a 12% decrease between 2009 and 2010. There is no fixed premium structure in Washington and insurers are free to set their own rates. Therefore, rates can change at any time, so that Washington drivers are advised to check our site regularly in order to obtain information and quotes that help to maintain the best possible price.

Seasonal Changes

After climbing slowly between February and April, rates for auto coverage in Washington began to fall gradually, except for a slight rise in August. A fall in September was followed by a sharp rate hike in October, and rates fell drastically again in November, maintaining a new lower level in December that only went up slightly for 2011. It is clear that rates in Washington can change rapidly so that keeping track of rate changes helps drivers find lower rates.

Insurance Requirements

Minimum insurance requirements for the state of Washington call for personal liability coverage of $25,000 per person/$50,000 limit per accident with a $10,000 property damage liability limit. However, Washington works under the tort system, where one party must be judged responsible for any accident. That party is then held liable for the entire cost of the accident. Higher limits are therefore recommended to protect assets in the event of a lawsuit. Coverage to protect against damage caused by an uninsured or under-insured driver is available in Alabama and most drivers are advised to purchase this additional coverage.

Advice for Getting the Best Deals

Regional and national insurers offer car insurance in Washington. Since each company determines its own rates using different criteria for each driver, no companies can be said to consistently offer the lowest rates. Experts recommend obtaining multiple quotes from reliable insurance companies which are rated A or higher by A. M. Best.The J. D. Power ratings are also recommended as they provide accurate consumer service related information.

Using our site to monitor rates and obtain new quotes on a regular basis is the best way to get the lowest rates for car insurance in Washington.


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