Wouldn’t it be so easy if you could know instantly the one perfect auto insurance company that has the cheapest insurance for drivers with bad credit? It’s not that simple, unfortunately, as there are a ton of unknown factors such as if you own a home, whether you want full coverage, and the annual mileage you drive, that all have an effect on the price. This article goes into detail about the different ways to avoid overpaying and also should give you a jump start in finding the best auto insurance.
Determining which companies quote the best auto insurance rates for drivers with bad credit calls for more work in order to find coverage that fits your budget.
Each auto insurance company has a unique formula to determine premium rates, so we’ll go over the most affordable auto insurance companies in Washington. It’s a good idea to be aware that Washington auto insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Improving your credit rating, having a teen driver, or having an at-fault accident can trigger price changes resulting in some rates now being more affordable than before.
Find Cheaper Car Insurance with Bad Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $822 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $964 |
| 5 | Travelers | $998 |
| 6 | Mutual Enumclaw | $1,034 |
| 7 | USAA | $1,082 |
| 8 | The Hartford | $1,090 |
| 9 | Allied | $1,109 |
| 10 | Chubb | $1,116 |
| 11 | California Casualty | $1,116 |
| 12 | State Farm | $1,141 |
| 13 | American Family | $1,172 |
| 14 | Safeco | $1,192 |
| 15 | Amica | $1,256 |
| 16 | Liberty Mutual | $1,296 |
| 17 | Farmers | $1,355 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,495 |
| 20 | MetLife | $1,647 |
| Quote Your Rates Go | ||
Capital normally has some of the best car insurance rates in Seattle at around $784 a year. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the more affordable Seattle, WA auto insurance companies.
As shown in the rates above, if you currently have a policy with Travelers and switched to Grange, you might achieve yearly savings of upwards of $176. Policyholders with Mutual Enumclaw could save as much as $212 a year, and USAA insureds might realize rate reductions of up to $260 a year.
To compare your rates to other Washington insurance companies, click here or visit several of the following companies.
Remember that these premium estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific zip code for drivers with bad credit. So the insurer that can offer you the lowest price may not even be in the top 25 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own individual information.
For people with poor credit, one of the largest criteria that are looked at to help calculate the price you pay for insurance is where your car is garaged in Seattle. Cities with more crime and/or more people tend to pay slightly more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The table below ranks the most expensive areas in Washington for drivers with bad credit to purchase a policy in. Seattle comes in at #3 with an annual cost of $1,391 for the average policy, which is about $116 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Lakewood | $1,420 |
| 2 | Renton | $1,403 |
| 3 | Seattle | $1,391 |
| 4 | Tacoma | $1,385 |
| 5 | Federal Way | $1,379 |
| 6 | Auburn | $1,366 |
| 7 | South Hill | $1,354 |
| 8 | Shoreline | $1,352 |
| 9 | Kent | $1,350 |
| 10 | Everett | $1,276 |
| 11 | Bellevue | $1,243 |
| 12 | Kirkland | $1,243 |
| 13 | Redmond | $1,238 |
| 14 | Sammamish | $1,232 |
| 15 | Marysville | $1,208 |
| 16 | Vancouver | $1,157 |
| 17 | Olympia | $1,105 |
| 18 | Lacey | $1,078 |
| 19 | Spokane | $1,071 |
| 20 | Spokane Valley | $1,065 |
| 21 | Yakima | $1,037 |
| 22 | Pasco | $1,028 |
| 23 | Bellingham | $1,007 |
| 24 | Kennewick | $1,001 |
| 25 | Richland | $993 |
| Find the Best Rates Go | ||
Rate quotes are approximated as vehicle location can increase or decrease insurance rates significantly.
The make and model of vehicle you are buying coverage for is a large consideration when comparing the lowest-priced auto insurance for drivers with bad credit. Vehicles with lots of speed or power, a lack of safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The table below outlines auto insurance costs for a handful of the most cost-effective vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,758 |
| Honda Accord LX 4-Dr Sedan | $1,818 |
| Toyota Tacoma 2WD | $1,841 |
| Ford Edge Limited 2WD | $1,851 |
| Toyota RAV4 Limited 4WD | $1,878 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,884 |
| Honda CR-V EX 2WD | $1,944 |
| Toyota Corolla LE | $1,975 |
| Chevrolet Impala LTZ | $1,981 |
| Ford Escape Limited 2WD | $1,992 |
| Jeep Grand Cherokee SRT-8 4WD | $2,012 |
| Honda Odyssey Touring | $2,021 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $2,012 |
| Dodge Grand Caravan CV | $2,038 |
| Ford Focus S 4-Dr Sedan | $2,110 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,124 |
| Kia Optima SX | $2,147 |
| Compare Cheap Rates Go | |
Premium data assumes 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, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can alter coverage prices greatly.
Based on these rates, we can assume that makes and models like the Toyota Prius, Honda Accord, Toyota Tacoma, Ford Edge, and Toyota RAV4 are likely to be a few of the most economical vehicles to insure for people with poor credit. Prices will tend to be more expensive anyway just because there is more claim exposure for drivers with bad credit, but in general those vehicles will tend to have the least expensive rates that you are likely to find.
Insuring your vehicle with a highly-rated insurer can be difficult considering how many different companies insure vehicles in Washington. The company rank data listed below can help you decide which car insurance providers you want to consider when trying find the best insurance for drivers with bad credit.
The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for the list. To check prices from many more Washington auto insurance companies, click this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Drive responsibly or pay higher rates
A great way to find the best auto insurance prices for people with poor credit is to drive attentively and not have accidents or get tickets. The chart below shows how speeding tickets and accidents influence annual premium costs for each age group. The rates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Seattle per year with no violations or accidents is $954. Add in one speeding ticket and the average cost hikes up to $1,113, an increase of $159 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for drivers with bad credit goes up to an average of $1,551. That’s an increase of $597, or $50 per month, just for a couple of infractions!
How to find economical car insurance for drivers with bad credit
Lowering your rates is not difficult, and here are some money-saving ideas that can help Seattle drivers quote lower-cost car insurance.
- Do not get into accidents that are your fault
- Good credit scores may lower your rates
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Vehicles with safetly features generally cost less to insure
- Save money by staying claim-free
- Shop around for lower rates once a year
That last piece of advice is extremely necessary, as was emphasized in this article. Coverage rates adjust often, so don’t be afraid to buy from a different company if a cheaper price is available.
We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying a lot of money every month. Now is a great time to compare rates to find cheaper car insurance for drivers with bad credit in Seattle.
If you wish to get some professional advice when shopping for cheaper insurance for people with poor credit, the insurance agencies listed below can help you decide which policy fits your needs best. To find a Seattle insurance agency closest to you, click the button following the list or click here to get price quotes now.
Jeffrey Taylor – State Farm Insurance Agent
4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008
Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117
Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216
Paulla Suy – State Farm Insurance Agent
900 S Jackson St #213 – Seattle, WA 98104 – (206) 381-3733
Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450