Cheapest Car Insurance for Drivers Over Age 60 in Washington

Cheapest Car Insurance for Drivers Over Age 60 in Washington

The vehicle model that is being insured is one of the primary factors that determines whether or not you find the cheapest car insurance for drivers over age 60 in Washington. Vehicles with average performance, advanced safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The information below ranks auto insurance costs for a selection of the cheapest vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Drivers Over Age 60 in Washington
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $658
Honda CR-V EX-L 4WD $674
Chevrolet Traverse LT 2WD $691
Hyundai Tucson GLS 2WD $718
Ford Escape Limited 4WD $721
Dodge Grand Caravan SE $734
Ford F-150 FX2 Super Cab 2WD $741
Jeep Wrangler Rubicon 4WD 2-Dr $734
Subaru Forester X AWD $739
Toyota Prius $749
Ford Edge SE AWD $766
Volkswagen Jetta LE 4-Dr Sedan $781
Chevrolet Equinox LS AWD $787
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Cost estimates assume single female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise coverage rates significantly.

By looking at the data, you can presume that models like the Honda Accord, Honda CR-V, Chevrolet Traverse, Hyundai Tucson, and Ford Escape are likely to be the cheapest vehicles to insure for older drivers.

Finding good, low-cost auto insurance is tough enough, and deciding which company quotes the most affordable auto insurance rates for drivers over age 60 takes even more perseverance. Coverage rates should be slightly lower than the average rate in Washington due to the lower risk related to offering coverage for older drivers. Competitive insurance should be possible without having to search too hard.
Each insurer uses their own method for determining rates in each state, so to begin we’ll rank the most affordable auto insurance companies in Washington.

It’s a good idea to know that Washington auto insurance rates are based on many factors that control your annual premium. Simply improving your credit, moving to a different location, or getting a reckless driving citation may prompt premium changes resulting in some rates now being more affordable than the competition.

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Cheapest Washington car insurance ranked by price
Rank Company Cost Per Year
1 Capital $777
2 Grange $847
3 PEMCO $964
4 Nationwide $981
5 Travelers $1,008
6 Mutual Enumclaw $1,034
7 The Hartford $1,048
8 USAA $1,082
9 Allied $1,098
10 California Casualty $1,105
11 Chubb $1,116
12 American Family $1,160
13 State Farm $1,176
14 Safeco $1,216
15 Amica $1,256
16 Liberty Mutual $1,270
17 Farmers $1,329
18 Progressive $1,480
19 National General $1,495
20 MetLife $1,647
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Capital quotes some of the cheapest car insurance rates in Washington at around $777 annually. Grange, PEMCO, Nationwide, and Travelers would also make the list of some of the more affordable Washington car insurance companies.

As the example above demonstrates, if you currently have coverage with Nationwide and switched to Grange, you may see an annual savings of in the vicinity of $134. Insureds with Travelers may save as much as $161 a year, and Mutual Enumclaw customers might reduce rates by $187 a year.

If you want to see how much you could save, click here to start your custom quote or click several companies below for low rates.

Bear in mind that those policy prices are averaged across all ages of drivers and types of vehicles and and are not figured with a rate discount for drivers over age 60. So the auto insurance company that has the lowest price for you may not even be shown in the list above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver information and vehicle.

When shopping for insurance for older drivers, one of the many factors that help determine a rate quote is where you keep your vehicle in Washington. Cities with larger populations like Federal Way, Seattle, and Auburn tend to have higher rates, whereas areas that are not as densely populated can boast about having cheaper rates.

The information below lists the most expensive cities in Washington for drivers over age 60 in which to buy car insurance.

Car insurance prices in Washington
Rank City Average Per Year
1 Federal Way $1,435
2 Lakewood $1,434
3 Seattle $1,405
4 Tacoma $1,399
5 Auburn $1,380
6 Kent $1,378
7 Renton $1,348
8 Shoreline $1,326
9 South Hill $1,300
10 Everett $1,288
11 Marysville $1,245
12 Bellevue $1,219
13 Redmond $1,201
14 Sammamish $1,196
15 Kirkland $1,195
16 Vancouver $1,157
17 Lacey $1,111
18 Spokane $1,093
19 Olympia $1,083
20 Spokane Valley $1,065
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Rate quotes are comparative as the specific garaging location can influence coverage prices substantially.

Geico, State Farm, Allstate, or Progressive: Who is best?

If you’re looking for the best car insurance for older drivers in Washington, the first places to look would be Geico, State Farm, Allstate, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a different combination of discounts, features, and options that drivers can select from. The table below shows some of the different features that are available for buyers.

Ratings for Geico, State Farm, Allstate, and Progressive
Geico State Farm Allstate Progressive
Customer Satisfaction 1st 4th 2nd 3rd
Price Ranking 1st 2nd 4th 3rd
Policy Discounts 2nd 3rd 1st 4th
Handling of Claims 3rd 2nd 1st 4th
A.M. Best financial rating A++ A++ A+ A+
Usage-based insurance No Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Roadside service Yes Yes Yes Yes
New car replacement No No Yes No
Mechanical breakdown insurance Yes No No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Where you can buy From a Geico agent or online Can only buy from State Farm agents Allstate-only agents Indpendent agents or online
Number of agents 150+ 18,000+ 11,000+ 30,000+
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