- Cheapest car insurance for high-risk drivers in Washington
- Average rates for high-risk drivers in Washington by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Washington
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Washington is State Farm, followed by Auto-Owners and Geico.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,466 | $122 |
| Auto-Owners | $1,696 | $141 |
| Geico | $1,822 | $152 |
| Nationwide | $1,838 | $153 |
| Progressive | $1,861 | $155 |
| Travelers | $1,862 | $155 |
| Allstate | $1,903 | $159 |
| Farmers | $1,997 | $166 |
| American Family | $2,239 | $187 |
| Kemper Insurance | $4,705 | $392 |
| USAA | $1,178 | $98 |
Average rates for high-risk drivers in Washington by driving record
Average cost of car insurance in Washington for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,267 |
| Auto-Owners | $1,587 |
| State Farm | $1,614 |
| Kemper Insurance | $1,735 |
| American Family | $1,780 |
| Nationwide | $1,825 |
| Travelers | $1,913 |
| Geico | $1,947 |
| Farmers | $2,168 |
| Allstate | $2,338 |
| Progressive | $2,946 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Washington for a driver with a DUI is State Farm with an average annual of $1,487 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,487 | $124 |
| Progressive | $1,762 | $147 |
| Auto-Owners | $1,995 | $166 |
| Geico | $2,002 | $167 |
| Farmers | $2,011 | $168 |
| Travelers | $2,026 | $169 |
| Allstate | $2,154 | $180 |
| American Family | $2,194 | $183 |
| Nationwide | $2,295 | $191 |
| Kemper Insurance | $6,338 | $528 |
| USAA | $1,853 | $154 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Washington, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,487 per year or $124 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,487 | $124 |
| Auto-Owners | $1,669 | $139 |
| Nationwide | $1,737 | $145 |
| Allstate | $1,815 | $151 |
| Progressive | $1,889 | $157 |
| Geico | $1,926 | $161 |
| Travelers | $1,931 | $161 |
| Farmers | $1,952 | $163 |
| American Family | $2,194 | $183 |
| Kemper Insurance | $4,770 | $398 |
| USAA | $1,051 | $88 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Washington, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,487 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,487 | $124 |
| Auto-Owners | $1,995 | $166 |
| Geico | $2,002 | $167 |
| Travelers | $2,026 | $169 |
| Allstate | $2,154 | $180 |
| Nationwide | $2,295 | $191 |
| Progressive | $2,309 | $192 |
| Farmers | $2,497 | $208 |
| American Family | $2,877 | $240 |
| Kemper Insurance | $6,338 | $528 |
| USAA | $1,169 | $97 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Washington is Geico with an average annual cost of $1,149 or $96 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,149 | $96 |
| Auto-Owners | $1,176 | $98 |
| Nationwide | $1,227 | $102 |
| Kemper Insurance | $1,243 | $104 |
| Travelers | $1,326 | $111 |
| State Farm | $1,360 | $113 |
| Progressive | $1,427 | $119 |
| Farmers | $1,616 | $135 |
| Allstate | $1,665 | $139 |
| American Family | $1,780 | $148 |
| USAA | $895 | $75 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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