Who Has Cheap Car Insurance for Drivers with Bad Credit in Washington?

Who Has Cheap Car Insurance for Drivers with Bad Credit in Washington?

For people with poor credit, one of the big factors that is used to help calculate the price of your policy is the neighborhood you call home in Washington. Areas with high crime rates or more dense population like Lakewood, Tacoma, and Federal Way tend to have higher rates, whereas areas that are not as densely populated generally pay less for car insurance.

The following table ranks the most expensive cities in Washington for drivers with bad credit in which to buy car insurance.

How much does car insurance cost in Washington?
Rank City Premium Per Year
1 Lakewood $1,434
2 Auburn $1,422
3 Tacoma $1,399
4 Seattle $1,391
5 Federal Way $1,379
6 Shoreline $1,366
7 Renton $1,361
8 Kent $1,350
9 South Hill $1,300
10 Everett $1,250
11 Marysville $1,245
12 Kirkland $1,243
13 Sammamish $1,220
14 Bellevue $1,219
15 Redmond $1,201
16 Vancouver $1,146
17 Lacey $1,111
18 Spokane $1,104
19 Olympia $1,072
20 Spokane Valley $1,065
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Annual rates are estimated as the specific area where the vehicle is garaged can decrease or increase insurance rates substantially.

The vehicle that is being insured is probably the largest consideration that determines if you can find cheap auto insurance for drivers with bad credit in Washington. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The next list shows coverage rates for a selection of the most budget-friendly automobiles to insure.

Cheapest Auto Insurance Rates for Drivers with Bad Credit in Washington
Vehicle Insured Estimated Cost for Full Coverage
Chevrolet Traverse LT AWD $667
Toyota Prius $675
Honda Accord EX 4-Dr Sedan $693
Ford Escape XLT 4WD $709
Nissan Altima 2.5 4-Dr Sedan $716
Hyundai Tucson Limited 4WD $721
GMC Sierra SLE Crew Cab 2WD $716
Dodge Grand Caravan Crew $729
Subaru Outback 2.5I Limited $735
Toyota Tacoma Double Cab 4WD $729
Ford Focus SES 4-Dr Sedan $739
Honda Civic LX-S 4-Dr Sedan $745
Honda CR-V EX 2WD $741
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise prices noticeably.

Based upon these rates, makes and models like the Chevrolet Traverse, Toyota Prius, Honda Accord, and Ford Escape will be a few of the cheapest vehicles to insure for people with poor credit. The price for car insurance will tend to be more expensive anyway just because there is more inherent risk for drivers with bad credit, but in general those particular models will tend to have the best rates possible.

Deciding which company quotes the lowest-priced car insurance rates for drivers with bad credit will take a little more sweat than just picking a company at random.

Every insurance company has a different process for setting prices, so let’s take a look at the lowest cost car insurance companies in Washington. We do need to point out that Washington car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Simply getting older, buying another vehicle, or getting into an accident can cause premium changes that may make certain companies more affordable than the competition.

Cheap Insurance Rates with Bad Credit

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Who has the cheapest car insurance in Washington?
Rank Company Cost Per Year
1 Capital $784
2 Grange $847
3 Nationwide $961
4 PEMCO $994
5 Travelers $1,028
6 Mutual Enumclaw $1,054
7 The Hartford $1,058
8 California Casualty $1,072
9 USAA $1,092
10 Allied $1,098
11 Chubb $1,127
12 State Farm $1,176
13 American Family $1,196
14 Safeco $1,228
15 Amica $1,256
16 Liberty Mutual $1,270
17 Farmers $1,329
18 National General $1,495
19 Progressive $1,525
20 MetLife $1,631
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Capital normally has some of the most affordable car insurance rates in Washington at around $784 a year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the lowest-priced Washington insurance companies.

In the above example, if you currently buy coverage from PEMCO and switched to Capital, you might realize annual savings of in the vicinity of $210. Policyholders with Travelers may save as much as $244 a year, and Mutual Enumclaw policyholders might cut rates by $270 a year.

These rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a rate increase for drivers with bad credit. So the insurer that has the cheapest rates for you may not even be in the list of companies shown earlier. That illustrates why you need to quote rates from many companies using your own driver information and specific vehicle type.

The diagram below illustrates how choosing a deductible can affect premium costs when quoting cheap insurance for drivers with bad credit. The rates are based on a single male driver, full coverage, and no discounts are applied.

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In the chart above, a 40-year-old driver could lower their car insurance rates by $292 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $438 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates $956 every year just by choosing higher deductibles. When choosing a higher deductible, it is essential to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Finding the top insurance company can be rather challenging considering how many companies there are to choose from in Washington. The ranking information below can help you decide which insurers to look at shopping prices with.

The ratings below are for large, nationwide insurance companies, so companies with more of a regional focus are not included in this list. If you wish to compare rates from these top insurers and more, click here.

Top 10 Large Auto Insurance Companies in Washington Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. American Family
  8. AAA Insurance
  9. Nationwide
  10. Titan Insurance