Best Cheap Car Insurance Companies for High-Risk Drivers in Washington

Generally, high-risk drivers pay pricier auto insurance rates. The best way to find an affordable policy is to shop around and compare the cost between different companies.

State Farm is MoneyGeek’s top pick for high-risk drivers in Washington. It is also the most affordable provider, costing roughly $1,040 per year. The next cheapest option for high-risk drivers is GEICO, costing $1,319 per year. Keep in mind that your rate depends on your needs and driver profile.

Teen drivers or students often lack experience on the road, so auto insurance providers consider them high-risk. Additionally, individuals with a DUI, tickets or at-fault accidents are also seen as high-risk drivers. Your driving history heavily impacts your car insurance quotes in Washington.

Insurance companies charge high-risk drivers pricier rates to balance out the potential costs when a high-risk policyholder files a claim. In Washington, high-risk drivers should expect to pay roughly 30% more for auto insurance than a clean-record driver.

According to MoneyGeek’s analysis, State Farm provides the cheapest auto insurance quotes for high-risk drivers in Washington. On average, a policy for a high-risk driver profile costs $1,040 per year.

Check out MoneyGeek’s comprehensive State Farm review to understand its perks and downsides. That can help you decide whether it's a good fit for your needs.

MoneyGeek chose State Farm as the best auto insurance company for high-risk drivers in Washington; the insurer garnered a MoneyGeek score of 91 out of 100. We created a State Farm auto insurance review so you can learn more about its average rates, coverage types and customer satisfaction scores.

GEICO is our next-best pick in Washington; it earned a MoneyGeek score of 81 out of 100. However, its average rate is noticeably more expensive.

MoneyGeek discovered that State Farm offers the most affordable rate in Washington for drivers with a DUI. Its average cost is $1,011 per year. You can uncover State Farm’s pros and cons, discounts, customer satisfaction and more in MoneyGeek’s review.

Eligible military members with a DUI in Washington may also be able to get a low rate for high-risk car insurance with USAA.

For students or teen drivers in Washington, GEICO offers the most affordable quote at $2,848 per year. Your premium is affected by personal factors like your age.

Learn more about GEICO to inform your decision-making. MoneyGeek dives into GEICO’s advantages and disadvantages and other pertinent features in our review.

Car insurance companies compute your quote by assessing your driving profile and history. To account for possible loss, insurance providers charge high-risk drivers a more expensive rate.

In Washington, drivers with a clean record pay roughly $1,139 per year, while high-risk drivers pay around $1,655 per year. That is around a 30% increase.

Estimate your premium in Washington with MoneyGeek’s auto insurance calculator. Simply input your driving record, car type, coverage requirements and age to get a personalized ballpark figure. Plus, our calculator will reveal which factor has a big influence on your quotes in Washington.

Unfortunately, auto insurance providers can deny you a policy if you’re deemed as too high risk. That is because insurance is a voluntary market. An alternative is an Automobile Insurance Plan Service Office (AIPSO) residual market plan.

Since 1972, AIPSO has protected high-risk drivers. It is a non-profit corporation that services policyholders nationwide.

In Washington, the Western Association of Automobile Insurance Plans (WAAIP) provides the Washington Automobile Insurance Plan. The WAAIP is a center that connects high-risk drivers with insurance companies that are willing to insure them. Applicants are eligible if they are currently looking for coverage but are unable to obtain a policy in the voluntary market.

Shopping around for car insurance can be overwhelming for some, especially for those who are considered high-risk. To help you throughout the process, MoneyGeek outlined answers about high-risk car insurance in Washington.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.