The vehicle on the policy is probably the largest consideration when shopping for the most economical auto insurance for nurses. Vehicles with higher performance, poor passenger safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The table below features insurance premiums for a handful of the cheapest automobiles to insure in Washington.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,570 |
| Honda CR-V EX-L 2WD | $1,607 |
| Toyota Tacoma 4WD | $1,763 |
| Ford Escape XLS 4WD | $1,803 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,860 |
| Toyota RAV4 Limited 4WD | $1,867 |
| Dodge Grand Caravan Crew | $1,894 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,977 |
| Ford Focus S 4-Dr Sedan | $2,088 |
| Ford Edge SE AWD | $2,097 |
| Nissan Rogue SL AWD | $2,090 |
| Hyundai Sonata SE 4-Dr Sedan | $2,097 |
| Honda Accord LX-S 2-Dr Coupe | $2,090 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $2,125 |
| GMC Sierra Denali Crew Cab 2WD | $2,134 |
| Toyota Prius | $2,139 |
| Dodge Ram 2500 Crew Cab SLT 4WD | $2,162 |
| Chevrolet Malibu LT | $2,167 |
| Honda Odyssey EX W/Rear Entertainment | $2,233 |
| Toyota Corolla XLE | $2,238 |
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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 homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in Seattle, WA location which can increase or decrease auto insurance rates considerably.
Based upon the table data, we can infer that makes and models like the Hyundai Elantra, Honda CR-V, Toyota Tacoma, and Ford Escape should be some of the most budget-friendly vehicles to insure for health professionals.
One of the more important things that determine the amount you pay for auto insurance is where your car is garaged in Seattle. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The table below lists the priciest cities in Washington for nurses to buy auto insurance in. Seattle makes the list at #4 with an annual cost of $1,405 for the average insurance policy, which is about $117 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Federal Way | $1,435 |
| 2 | Lakewood | $1,420 |
| 3 | Auburn | $1,408 |
| 4 | Seattle | $1,405 |
| 5 | Kent | $1,391 |
| 6 | Tacoma | $1,385 |
| 7 | South Hill | $1,354 |
| 8 | Renton | $1,348 |
| 9 | Shoreline | $1,312 |
| 10 | Marysville | $1,258 |
| 11 | Bellevue | $1,243 |
| 12 | Everett | $1,238 |
| 13 | Sammamish | $1,232 |
| 14 | Redmond | $1,214 |
| 15 | Kirkland | $1,207 |
| 16 | Vancouver | $1,157 |
| 17 | Olympia | $1,105 |
| 18 | Spokane | $1,093 |
| 19 | Lacey | $1,089 |
| 20 | Spokane Valley | $1,087 |
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Rate quotes are approximated as specific Seattle zip code can influence coverage rates substantially.
Locating affordable auto insurance is not the easiest thing to do, and deciding which company has the most affordable insurance rates for nurses will involve even more rate comparisons.
Every insurance provider has a unique formula to set premium rates, so first we will examine the insurance companies with the overall cheapest rates in Seattle, WA. It’s important that readers know that Seattle insurance rates are impacted by many factors that control the cost of having a policy. This price fluctuation is why drivers need to compare many different companies to get the most economical insurance quotes for nurses. Prices are impacted by many things and change dramatically, so the lowest-price company a year ago may now be priced much higher than other options.
Compare Cheap Insurance Quotes for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $761 |
| 2 | Grange | $813 |
| 3 | Nationwide | $952 |
| 4 | PEMCO | $974 |
| 5 | Travelers | $1,008 |
| 6 | Mutual Enumclaw | $1,054 |
| 7 | The Hartford | $1,080 |
| 8 | USAA | $1,082 |
| 9 | Chubb | $1,094 |
| 10 | California Casualty | $1,105 |
| 11 | Allied | $1,142 |
| 12 | State Farm | $1,165 |
| 13 | Safeco | $1,180 |
| 14 | American Family | $1,208 |
| 15 | Amica | $1,243 |
| 16 | Liberty Mutual | $1,257 |
| 17 | Farmers | $1,355 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,495 |
| 20 | GEICO | $1,656 |
| Get Personalized Rates Go | ||
Capital may have some of the most affordable car insurance rates in Seattle at around $761 a year. This is $651 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the cheaper Seattle, WA auto insurance companies.
In this example, if you currently have coverage with Travelers and switched to Grange, you might see an annual savings of approximately $195. Drivers with Mutual Enumclaw could save as much as $241 a year, and The Hartford insureds might lower prices by $267 a year.
Bear in mind that those premium estimates are averaged across all drivers and vehicles in Washington and do not take into consideration a specific vehicle garaging location for nurses. So the insurer that is best suited for you may not even be in the top 25 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Careless driving habits raise Seattle insurance rates
The easiest way to find low insurance prices in Washington for health professionals is to be a careful driver and avoid accidents and traffic citations. The example below illustrates how speeding tickets and accident claims can drive up annual premium costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $954. Receive two speeding tickets and the average cost surges to $1,344, an increase of $390 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for nurses goes up to an average of $1,741. That’s an increase of $787, or $66 per month, just for not paying attention while driving!
Get discount Seattle insurance rates
Insurance providers that provide policies for nurses may have discounts that can reduce rates by as much as 40% or more if you are eligible for them. A list of insurance companies and their possible discounts are shown below.
- GEICO offers premium reductions for good student, military active duty, driver training, anti-lock brakes, and multi-vehicle.
- USAA may offer discounts for multi-policy, new vehicle, driver training, loyalty savings, multi-vehicle, and safe driver.
- Progressive has savings for online quote discount, multi-vehicle, online signing, multi-policy, homeowner, good student, and continuous coverage.
- American Family offers discounts for bundled insurance, good student, accident-free, good driver, multi-vehicle, TimeAway discount, and Steer into Savings.
- Esurance may have discounts that include renters, defensive driver, anti-theft, online quote, and good student.
- Farmers Insurance policyholders can earn discounts including youthful driver, distant student, good student, early shopping, and teen driver.
- State Farm discounts include good student, driver’s education, passive restraint, Steer Clear safe driver discount, and Drive Safe & Save.
The example below compares insurance costs with and without policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Washington state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, accident-free, multiple policy, homeowner, multiple vehicle, and claim-free discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for nurses is 28% or $344.
You may be paying too much for car insurance
Seattle insurance rates are impacted by many things that will increase or decrease the price you pay. Simply having another birthday, having a teenage driver, or getting a DUI may prompt premium changes resulting in some rates now being more affordable than others. Not only that, but auto insurance companies change prices as needed in order to be able to pay unexpected claims. Larger than normal claims may cause higher priced premiums, while lower claim expenses may cause cheaper Seattle car insurance rates.
To help illustrate this point, the chart below shows which company has the cheapest car insurance in Seattle, WA for a 45-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we look at prices based on her personal risk profile, Capital may have the lowest car insurance rates in Seattle at $1,083 annually. This is $329 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the remainder of the cheapest Seattle, WA auto insurance companies.
Now we will give the driver from the first set of rates a chargeable accident, a lower credit rating, and a traffic citation. Since each company uses their own method to set premium rates, comparing quotes most likely will result in a different list of cheap Seattle auto insurance companies as shown below.
USAA now has the cheapest insurance rate in Seattle with California Casualty, The Hartford, Chubb, and Grange now being in the top five. This example demonstrates why it is critical to compare lots of rates when trying to find affordable car insurance quotes for nurses.
Prices are influenced by many different factors and can change substantially, so the most economical option three years ago may now not even be in the top five.
How to find budget-friendly insurance for nurses
The list below details some of the recommended thrifty suggestions that can help Washington drivers get cheap car insurance.
- Do not get traffic violations
- Buy a vehicle with excellent safety ratings
- Higher deductibles mean lower rates
- Avoid accidents and claims
- Drop full coverage on older vehicles
- Clean up your credit rating
- Shop around for cheaper rates regularly
The last item on the list is highly important, as we pointed out in the prior article. Rates change constantly, so don’t be unwilling to switch companies if a cheaper price is available.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty ends up costing money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper car insurance for nurses in Seattle.