Finding good, cost effective auto insurance is tough enough, and deciding which company offers the most affordable car insurance rates for government employees will involve even more work. Every insurance company uses their own formula to determine premium rates, so let’s take a look at the car insurance companies that tend to be cheaper in Washington.
It’s important that you understand Seattle, WA car insurance rates are determined by lots of factors which can significantly increase or decrease the price of coverage. Price variation is why it is so important to perform a complete rate comparison when trying to find the cheapest auto insurance quotes for government employees. Car insurance prices are calculated by many risk factors and can decrease or increase without notice, so the most affordable company the last time you shopped around may now be wasting a lot of money.
Best Cheap Insurance Rates in Washington
Capital has some of the lowest car insurance rates in Seattle at around $761 each year. Grange, Nationwide, PEMCO, and Mutual Enumclaw also qualify as some of the cheaper Seattle, WA auto insurance companies.
As illustrated above, if you currently have a policy with Grange and switched to Capital, you could realize an annual savings of about $86. Washington drivers with Nationwide may save as much as $229 a year, and PEMCO policyholders might realize rate reductions of up to $243 a year.
These policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for government employees. So the car insurance company that has the lowest price for you may not even be in the top 25 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
One of the more important things that are used to help calculate the annual cost of car insurance is where you live. Areas with high crime rates or more dense population likely pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The next table shows the priciest cities in Washington for government employees to buy car insurance in. Seattle comes in at #5 with an annual cost of $1,391 for the average policyholder, which is approximately $116 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Tacoma | $1,427 |
| 2 | Auburn | $1,422 |
| 3 | Federal Way | $1,393 |
| 4 | Lakewood | $1,392 |
| 5 | Seattle | $1,391 |
| 6 | Renton | $1,389 |
| 7 | Kent | $1,378 |
| 8 | Shoreline | $1,312 |
| 9 | South Hill | $1,300 |
| 10 | Everett | $1,288 |
| 11 | Bellevue | $1,243 |
| 12 | Redmond | $1,238 |
| 13 | Marysville | $1,208 |
| 14 | Kirkland | $1,207 |
| 15 | Sammamish | $1,196 |
| 16 | Vancouver | $1,192 |
| 17 | Olympia | $1,105 |
| 18 | Spokane | $1,104 |
| 19 | Spokane Valley | $1,098 |
| 20 | Lacey | $1,089 |
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Table data uses estimated as specific Seattle garaging address can affect rates considerably.
The car, truck, or SUV driven is one of the biggest factors when comparing the lowest-priced car insurance for government employees. Vehicles with average performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below outlines insurance costs for some of the most affordable vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,572 |
| Ford Escape Limited 2WD | $1,609 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,728 |
| Hyundai Elantra GLS Touring Station Wagon | $1,805 |
| Ford Edge SEL 2WD | $1,825 |
| Chevrolet Impala LS | $1,832 |
| Chevrolet Malibu LS | $1,862 |
| Toyota RAV4 Sport 2WD | $1,871 |
| Ford F-150 Lariat Crew Cab 2WD | $1,896 |
| Toyota Corolla XLE | $1,959 |
| Nissan Rogue S AWD | $1,999 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,005 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $2,130 |
| Toyota Camry Hybrid | $2,140 |
| Toyota Camry LE | $2,132 |
| Toyota Prius | $2,144 |
| Dodge Ram Quad Cab Sport 2WD | $2,167 |
| Ford Explorer Eddie Bauer AWD | $2,172 |
| Ford Focus SEL 4-Dr Sedan | $2,204 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $2,226 |
| Chevrolet Silverado 2500HD LT Crew Cab 2WD | $2,231 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,263 |
| Jeep Grand Cherokee Laredo 4WD | $2,283 |
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Prices above 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 claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle garaging location which can modify coverage rates substantially.
Based upon the table data, you can expect cars like the Honda CR-V, Ford Escape, Jeep Wrangler, and Hyundai Elantra are most likely going to be the cheapest vehicles to insure for state and federal workers.
Finding a highly-rated auto insurance provider is difficult considering how many companies provide coverage in Washington. The rank data displayed below may help you decide which auto insurance companies you want to consider purchasing a policy from. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Washington or surrounding areas will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Seattle car insurance
Insurers that offer quotes for government employees may also provide price discounts that could potentially reduce rates by as much as 35% or more if you are eligible. Larger car insurance companies and a partial list of their discounts are included below.
- Progressive offers premium reductions for multi-vehicle, online signing, multi-policy, online quote discount, continuous coverage, good student, and homeowner.
- MetLife offers discounts including good student, good driver, accident-free, claim-free, and multi-policy.
- Mercury Insurance policyholders can earn discounts including multi-policy, age of vehicle, accident-free, good driver, and annual mileage.
- Nationwide may offer discounts for anti-theft, good student, multi-policy, family plan, Farm Bureau membership, accident-free, and easy pay.
- GEICO includes discounts for membership and employees, five-year accident-free, anti-lock brakes, federal employee, defensive driver, and multi-vehicle.
- AAA offers discounts for education and occupation, good driver, anti-theft, AAA membership discount, multi-policy, and multi-car.
The information below shows the comparison of auto insurance rates with and without some available policy discounts. The prices are based on a male driver, no claims or driving citations, Washington state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, safe-driver, marriage, accident-free, passive restraint, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for government employees is 28% or $519.
How to find budget-friendly auto insurance for government employees
The list below summarizes many thrifty ideas that can help Washington drivers quote cheap coverage.
- Good credit scores may lower your rates
- Raise comprehensive and collision coverage deductibles
- Bundle home and auto and earn a discount
- Do not waste money insuring older vehicles for full coverage
- Claim-free policyholders usually earn a discount
- Safer vehicles generally have cheaper insurance rates
- Keep rates low by shopping around frequently
The last item on the list is incredibly significant, as was emphasized in the prior article. Coverage prices in Seattle change constantly, so don’t hesitate to buy from a new company if a more affordable price is available.
Brand loyalty is great, but it’s not a great idea if it’s costing you a considerable chunk of change every month. Spend a few minutes and compare rates and find cheaper insurance for government employees.
The agencies below can most likely aid you in deciding which insurance coverage will be best for you, since some drivers aren’t sure which coverage they need and prefer to have a consultation when comparing insurance rates for government employees. It can be complicated to find the cheapest rate yourself, and a licensed agent can give peace of mind knowing your coverage gives you adequate protection in the event of a claim.
To find a Seattle insurance agency nearest to you, click the button at the bottom of the list.
- Allstate Insurance: Jeremy Olson
7 Denny Way – Seattle, WA 98109 – (206) 956-0580 - Alex Bagdasarov – State Farm Insurance Agent
4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 - Allstate Insurance: Josh Boender
4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191