By contrast, the national average is. Auto insurance quotes often increase after incidents such as speeding tickets, accidents, or driving under the influence of alcohol (DUI) because insurance companies see them as signs of a high-risk driver. Penalties for driving without insurance in Washington include fines and driver's license suspension. If you lease or finance your car, you may be required to have types of coverage that are not required under Washington law.
SmartFinancial Insurance is a digital insurance comparison engine that offers real-time insurance rates and services in all 50 states through its relationships with airlines and partner agencies. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable. In Washington, a minimum coverage policy only pays for the other driver's injuries or for damage to their car or property as a result of an accident. Pemco is the best auto insurance company in Washington State for drivers with a speeding ticket, an accident, or a bad credit score.
If you have insurance but can't prove it when you're stopped or are at the scene of an accident, you're guilty of an “administrative offense,” similar to a fine for a seatbelt. In at-fault states, the other driver is usually responsible for damage to their car and for any medical treatment they may need, assuming that the other driver is found completely at fault. In Washington, drivers with just two speeding tickets pay an average of 30% more on their annual car insurance premiums, for example. In Washington State, fares go up 22% after a speeding ticket, compared to a 42% increase after an at-fault accident.
If you live in Washington, your credit rating will play an important role in determining your average annual car insurance costs. Whether you need an assigned risk program or you continue to qualify for high-risk insurance from conventional providers, you'll pay more. While these averages can help drivers determine when they're getting a good deal or overpaying for car insurance, it's essential to understand that individual rates can vary significantly.