The average car accident resulting in possible injuries in the United States costs over $23,000. However, with the right insurance policy, you won’t have to worry about medical bills, lost wages, or property damage costs.
Because companies, policies, and costs vary by state, it’s important to understand what you’re looking at regarding auto insurance coverage options and cost. So let’s take a look at Washington car insurance options.
Types of Auto Insurance Coverage
There are numerous types of car insurance in Washington state. You should be briefed on the types of coverages available beforehand so that you can purchase the best policy for you. You should also be aware of the state minimums, which we’ll take a look at first.
Each state sets its own minimums for auto insurance. If you’re looking for cheap car insurance in Washington State, you need to have at least the following:
- $25,000 for injuries or death to one person
- $50,000 for injuries or death to all persons
- $10,000 for property damage
You also need to make sure you can show proof of insurance. Your policyholder should send you a card that confirms your policy number.
While the minimum coverage falls under what’s referred to as liability coverage, there are other types of insurance you can add to your policy. One of the most common is uninsured and underinsured motorist coverage. So if you’re in an accident where the at-fault party isn’t properly insured, your losses can still be taken care of.
Other common types of insurance include comprehensive, collision, medical payments, and personal injury protection. To find the best policy for you, consult an insurance agent. What you consider to be the best car insurance in Washington State will differ from what works best for someone else.
Washington Car Insurance Costs
While what you pay for car insurance will depend on several factors, the average annual cost for auto insurance in Washington state is $1,176 for full coverage and $463 for minimum coverage.
Some of the factors that could impact the cost of your policy include your age, gender, driving history, deductible amount, zip code, and car make and model.
The younger you are, the more violations you have on your driving records, the higher your deductible, and the newer your car is will likely to make your insurance costs go up. Your zip code can play a role, as well. For example, annual coverage in Seattle costs upwards of $1,400, while people in Bellingham could see rates under or around $1,000.
When you first start driving, the policy you get isn’t likely to be the policy you stick with for your whole life. So if you’re looking to find the best car insurance in Washington state, it’s time to start shopping around.
Now that you have an idea about auto insurance types and costs, you’ll be prepared when it comes time to purchase a policy.
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