Trying to find reasonably-priced auto insurance is easier said than done, and deciding which companies have the cheapest insurance rates with multiple speeding tickets will involve even more diligence. Every car insurance company has their own formula for determining rates, so to begin we’ll rank the overall cheapest insurance companies in Washington.
It’s important to understand that Seattle, WA insurance rates are based on many factors that will increase or decrease the price you have to pay for coverage. That is why consumers need to compare rates to find affordable auto insurance quotes with multiple speeding tickets. Insurance prices can be altered by many different factors and change substantially, so the best option six months ago may now be wasting a lot of money.
Find the Best Cheap Insurance with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $847 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $994 |
| 5 | Travelers | $1,008 |
| 6 | USAA | $1,050 |
| 7 | Mutual Enumclaw | $1,054 |
| 8 | The Hartford | $1,058 |
| 9 | Chubb | $1,083 |
| 10 | Allied | $1,098 |
| 11 | California Casualty | $1,105 |
| 12 | State Farm | $1,165 |
| 13 | Safeco | $1,192 |
| 14 | American Family | $1,196 |
| 15 | Amica | $1,219 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,369 |
| 18 | Progressive | $1,510 |
| 19 | National General | $1,540 |
| 20 | MetLife | $1,631 |
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Capital normally has some of the cheapest car insurance rates in Seattle at around $784 per year. This is $628 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the best Seattle, WA car insurance companies.
In the above example, if you currently buy coverage from Travelers and switched to Grange, you might see a yearly savings of upwards of $161. Washington drivers with USAA may save as much as $203 a year, and Mutual Enumclaw customers might see rate reductions of $207 a year.
If you would like to find cheaper car insurance rates, click here or click several companies below for low rates.
Understand that those estimates are averaged for all insureds and vehicles and do not take into consideration a specific vehicle garaging location with multiple speeding tickets. So the company that can offer the best rates for your situation may not even be in the top 25 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.
One of the many considerations that determine auto insurance rates is where you keep your vehicle in Seattle. Regions with larger populations or more claims tend to have higher rates, whereas areas with less congestion benefit from lower prices.
The table below sorts the highest-priced areas in Washington with multiple speeding tickets to purchase car insurance in. Seattle is listed at #7 with the annual price of $1,363 for the average insured, which is about $114 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Tacoma | $1,427 |
| 2 | Lakewood | $1,420 |
| 3 | Federal Way | $1,393 |
| 4 | Renton | $1,389 |
| 5 | Auburn | $1,380 |
| 6 | Shoreline | $1,366 |
| 7 | Seattle | $1,363 |
| 8 | Kent | $1,337 |
| 9 | South Hill | $1,300 |
| 10 | Redmond | $1,251 |
| 11 | Everett | $1,238 |
| 12 | Sammamish | $1,232 |
| 13 | Kirkland | $1,231 |
| 14 | Marysville | $1,221 |
| 15 | Bellevue | $1,219 |
| 16 | Vancouver | $1,181 |
| 17 | Olympia | $1,105 |
| 18 | Spokane Valley | $1,087 |
| 19 | Lacey | $1,078 |
| 20 | Spokane | $1,060 |
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Rates are comparative as the specific Seattle residence address can alter rates significantly.
The make and model of vehicle needing coverage is one of the largest factors when comparison shopping for the most affordable auto insurance with multiple speeding tickets. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.
The list below presents car insurance premiums for some of the cheaper automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Super Cab 4WD | $2,520 |
| Hyundai Elantra GLS Touring Station Wagon | $2,611 |
| Honda Odyssey EX W/Rear Entertainment | $2,614 |
| Ford Focus S 4-Dr Sedan | $2,623 |
| Chevrolet Equinox LT 2WD | $2,665 |
| Honda CR-V EX-L 4WD | $2,673 |
| Ford Escape XLT 4WD | $2,682 |
| Dodge Grand Caravan Crew | $2,716 |
| Toyota Prius | $2,753 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,850 |
| Chevrolet Impala LS | $2,884 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $2,912 |
| Chevrolet Malibu LS | $2,941 |
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Data variables include single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in Seattle, WA location which can decrease or increase premiums considerably.
Based upon the rates shown, we can conclude that models like the Ford F-150, Hyundai Elantra, and Honda Odyssey will be some of the more affordable vehicles to insure after a few driving violations.
Cost of full coverage
Reducing premiums for insurance is the goal of the majority of vehicle owners, and an effective way to reduce the cost of insurance with multiple speeding tickets is to not insure for full coverage. The diagram below compares auto insurance rates when comparing full coverage to liability only. Data assumes no claims or driving citations, $1,000 deductibles, single marital status, and no other discounts are factored in.
If all age groups are averaged, physical damage coverage costs an additional $1,242 per year over liability only. Many people question when is the right time to remove full coverage. There is no definitive formula to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s replacement value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,500 after the deductible is paid. If premiums are more than $850 a year for full coverage, then it could be time to drop full coverage.
There are some cases where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Careless driving habits raise insurance rates
The easiest way to find cheap insurance premiums in Washington after a few driving violations is to drive carefully and avoid accidents and keep your driving record clean. The illustration below demonstrates how traffic citations and accident claims influence insurance costs for different age categories. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Washington per year with no accidents and a clean driving record is $1,450. Get written up for one speeding ticket and the average cost surges to $1,691, an increase of $241 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance with multiple speeding tickets increases to an average of $3,841. That’s an increase of $2,391, or $199 per month, just for being a little careless behind the wheel!
The diagram below illustrates how your deductible choice can impact insurance rates when getting quotes for cheap insurance with multiple speeding tickets. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could cut expenses by $338 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $510 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, have the ability to save up to $1,116 annually by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it is a good idea to have enough funds in savings to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.