Washington state is famous for its beauty and great cities as well as the overall potential offered by an active lifestyle. Nevertheless, with the continual rise in vehicle usage accompanied by expanding populations and traffic, the likelihood of accidents or vehicle damage is higher than ever.
This is why there is need for the drivers in the state of Washington to always ensure that they are covered by the right auto insurance. It is not only ensured by law but also offers a legal form of financial support for the car owner in the event of unexpected situations such as accidents or vehicle malfunction.
In this article, we will discuss the best auto insurance companies in Washington state and their top 7 offers based on the level of customer satisfaction, low prices, and variety of services.
This guide contains information about auto insurance companies based on customer reviews and expert analyses that will be useful for new residents, old-timers on the road, or a businessman who wants to choose the right insurance company for his or her auto.
Washington State Auto Insurance Requirements
It is important to note that every driver in Washington state is mandated by law to purchase the minimum legal auto insurance to drive and the law applies to everyone. The minimum requirements are:
– Bodily injury liability: This coverage will charge up to $25,000 per individual and $50,000 per accident.
– Property damage liability: $10,000 Question 2 Fossil fuels have been declared a national security.
– Uninsured/underinsured motorist coverage: Limit of $25,000/driver and $50,000/accident.
– Personal injury protection (PIP): What are the advantages of granting $10,000 to a family of four?
Failure to carry the required auto insurance coverage can result in serious consequences, including:
– Fines: the value of up to $250.
– License suspension: either 3 years or more depending on the type of work performed.
– SR-22 requirement: a bond that guarantees financial responsibility and that must be provided to the state.
Note that these are basic policies and drivers may wish to buy additional insurance policies to prevent them from losing their assets in the event of an accident or in the event of physical losses or damages to cars.
Top 7 Best Auto Insurance Washington State
After researching and comparing various auto insurance companies in Washington state, we have identified the top 7 companies that offer competitive rates, comprehensive coverage, and excellent customer service. Here is an overview of each company:
State Farm
State Farm is one of the prominent car insurance companies in the US and as one of the top carriers in Washington, it has been offering reliable auto insurance to residents of Washington for a long time. They cater for cover from liability, 3rd party fire, 3rd party theft, collision, comprehensive cover, and personal injury protection. State Farm also lists some regional discounts including multi-car, good student, deflective driver, and lifestyle.
– Competitive rates and discounts
– Wide range of coverage options
– 24/7 customer service
– Financial stability: A++ (Superior) rating from A.M. Best
Allstate
Allstate is another auto insurance company that has operated in Washington state for several decades and provides customers with vehicle insurance at the level of their choice. They offer auto insurance in terms of coverage for liability, collision, comprehensive, and personal injury protection. Another area of concern is that Allstate provides different discounts, including multi-car, good-student, and safe driver discounts. Their claims process is easy, and they have a dedicated customer care services unit open throughout.
– Customizable coverage options
– Competitive rates and discounts
– 24/7 customer service
– Financial stability: A+ (Superior) rating from A.M. Best
Geico
Geico is particularly attractive to Washington drivers because of its competitive prices and promotions. They also present a variety of insurance packages such as liability; collision; comprehensive; and personal injury protection. It is also worth mentioning that Geico has a convenient online portal that allows you to request quotations and manage policies on your own, plus they offer 24/7 customer support to help file claims.
– Low rates and discounts
– 24/7 customer service
– Online quotes and policy management
– Financial stability: A++ (Superior) rating from A.M. Best
Progressive
Progressive is another auto insurance company that offers drivers with retail and online coverage at competitive rates and additional discounts available in WA state. Snapshot is the company’s way of lowering the premium of safe drivers, and the insured can choose from liability insurance, collision, and comprehensive insurance, as well as personal injury protection. Progressive offers online customer service 24 hours a day and, in addition, provides a means of accessing quotes and managing policies.
– Competitive rates and discounts
– Snapshot program for safe drivers
– 24/7 customer service
– Financial stability: A+ (Superior) rating from A.M. Best
USAA
USAA is one of the best-ranked auto insurance firms that are dedicated to serving military members and their specified persons. They are competitive in terms of charges and they also provide discounts as well as coverages for liability, collision, comprehensive, and Personal Injury cost plans. There is a 24/7 customer service team that can answer questions or handle the claim for you.
– Exclusive coverage for military members and their families
– Competitive rates and discounts
– 24/7 customer service
– Financial stability: A++ (Superior) rating from A.M. Best
Liberty Mutual
Liberty Mutual is an international insurance company that offers auto insurance services to Washington customers. They offer a number of insurance packages that they make available at favorable prices and offer various incentives on exchange for relatively high levels of insurance coverage that encompasses liability insurance and other forms of insurance such as collision insurance, comprehensive insurance, and personal injury protection.. Liberty Mutual Insurance offers providing as part of a vast 24/7 customer service to help you with any questions or standard claims.
– Exclusive coverage for military members and their families
– Competitive rates and discounts
– 24/7 customer service
– Financial stability: A++ (Superior) rating from A.M. Best
Farmers Insurance
Farmer’s Insurance is a popular auto insurer with numerous insurance products available for drivers in WA. Their services include low-priced rates, for sales, insurance policies, and coverage of liability, collision, comprehensive, and personal injury protection insurance. Overall, Farmers Insurance has an excellent customer service/contact center whereby customers can report any issues or file claims around the clock.
– Wide range of coverage options
– Competitive rates and discounts
– 24/7 customer service
– Financial stability: A (Excellent) rating from A.M. Best
Conclusion
Picking an auto insurance company in Washington state is a challenging task, but the listed Best Auto Insurance Washington State makes the decision easier as they offer a variety of options. Regardless of which values one pursues: competitive rates, a complete set of coverage, or quality service, there is a company on this list that can offer it.
Do not forget to look for deals for rates, coverage, and discounts when choosing the insurance. Also, other things to pay attention to include financial status, claims response, and customer experience when choosing an auto insurance firm.
If you spend time and think through your auto insurance choices you will end up with the right coverage options and the confidence that you can drive without worry.