Low-income car insurance in Washington

Q: Does Washington have car insurance for low-income individuals?

No , Washington doesn’t offer a car insurance program for low-income individuals or families.

Washington government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Washington. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Washington, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Washington minimum car insurance requirements

The minimum car insurance requirements in Washington are as follows:

Minimum liability coverage limits	25/50/10
Average annual premium	$438
Other types of insurance required (if any)	-

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Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Washington

PEMCO came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Washington and compared them on rates for state minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Washington.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
PEMCO	$158	831	B++	0.24	3.53
Travelers	$398	810	A++	0.49	3.21
GEICO	$296	797	A++	0.91	3.2
State Farm	$410	821	A++	0.7	3.16
Nationwide	$496	810	A+	0.64	2.81
Farmers	$450	796	A	0.8	2.75
Progressive	$595	807	A+	0.65	2.66
Allstate	$639	783	A+	0.65	2.6
American Family	$709	820	A	1.1	2.08

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Cheapest low-income car insurance in Washington

Based on state minimum coverage, we found that the cheapest car insurance company in Washington is PEMCO at an average rate of $158 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Washington to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
PEMCO	$158	$13
GEICO	$296	$25
Travelers	$398	$33
State Farm	$410	$34
Farmers	$450	$37
Nationwide	$496	$41
Progressive	$595	$50
Allstate	$639	$53
American Family	$709	$59
USAA	$226	$19

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PEOPLE ASK:

What can I do if I can’t afford car insurance in Washington?

If you can’t find affordable car insurance in Washington, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Washington

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Washington can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	23%
Years Insured	15%
Payment Type	11%
Electronic Signature	10%
Multi Policy	9%
Primary Use	8%
Telematics	6%
Loyalty - Years Renewal With Company	6%
Days Advanced Purchase	6%
Education	6%
Electronic Funds Transfer	5%
Marital Status	4%
Homeowner	4%
Lower Annual Mileage	3%
Safety Devices	3%
Air Bags	3%
Paperless/Electornic Documents	2%
Daily Commute	1%
Anti-Theft Device	1%

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Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

53M+

insurance quotes analyzed

National and state average rates are based on state minimum car insurance.

This data set is based on:

Bodily injury liability that matches the state minimum requirement

Property damage liability that matches the state minimum requirement

Any other state-required coverage, which may include personal injury protection, medical payments and uninsured/underinsured motorist coverage

40-year-old driver

Honda Accord LX

Good credit

A clean driving record

12-mile commute, 10,000 annual mileage

Low-income car insurance in Washington: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Washington, PEMCO is the cheapest car insurance company with the average rate of $158. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does Washington have car insurance for low-income individuals?

No, Washington doesn’t offer a car insurance program for low-income individuals or families.

What happens if I can’t pay my car insurance?

If you don’t pay your car insurance bill, your car insurance will be canceled and you won’t have coverage. If you can’t pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.