Cheapest SR-22 Insurance in Washington for 2024 (10 Best Companies for Savings)
Progressive, State Farm, and Nationwide provide the cheapest SR-22 insurance in Washington, with plans starting at $26/month. Progressive offers the lowest basic coverage rates, State Farm has multigenerational family discounts, and Nationwide features SmartRide rewards, making them top options in Washington.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 23, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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For the cheapest SR-22 insurance in Washington, Progressive, State Farm, and Nationwide are the top choices, with rates starting at $26/month.
If you’re looking for cheap SR-22 auto insurance in Washington, this guide will help you find the best options. We’ve highlighted the top providers offering affordable SR-22 coverage.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Washington
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $26 A+ Insurance Discounts Progressive
#2 $30 B Agent Network State Farm
#3 $31 A+ Low Mileage Nationwide
#4 $32 A++ Online Service Geico
#5 $35 A Customizable Coverage Safeco
#6 $36 A High-Risk Drivers The General
#7 $40 A Teen Drivers American Family
#8 $41 A Multi-Policy Options Liberty Mutual
#9 $44 A Personalized Service Farmers
#10 $50 A+ Many Discounts Allstate
Whether you’re a high-risk driver or need to stay compliant, this article covers the most important discounts, coverage levels, and factors to consider to save on your SR-22 insurance premiums. Use our free comparison tool to see what auto insurance quotes look like in your area.
- Find the cheapest SR-22 insurance in Washington starting at $26/month
- Compare top providers like Progressive, State Farm, and Nationwide
- Pay-per-mile programs can save money on Washington SR-22 insurance
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#1 – Progressive: Top Pick Overall
Pros
- Lowest Rate Guarantee: As mentioned in Progressive auto insurance review, the company offers Washington’s cheapest SR-22 insurance starting at $26 monthly.
- Multiple Discount Options: Washington SR-22 clients save through anti-lock brake and safety vehicle packages and by bundling Progressive Policies.
- Responsible Driver Benefits: Additional SR-22 discounts for Washington drivers with consistent payments.
Cons
- Coverage Limitations: Basic SR-22 insurance features are restricted in certain Washington regions.
- Complex Bundle Terms: Washington SR-22 bundling discounts require multiple qualifying conditions.
#2 – State Farm: Best Agent Network
Pros
- Local Expertise: Extensive Washington agent network for in-person SR-22 filing assistance.
- Multi-Vehicle Savings: Washington SR-22 discounts are available for insuring multiple cars. (Read More: Best Auto Insurance Companies for Multiple Vehicles)
- Generational Benefits: Special SR-22 rates for Washington families with multiple generations.
Cons
- Limited Online Tools: Washington SR-22 filing requires direct agent interaction.
- Restricted Programs: Fewer technology-based SR-22 discount options for Washington drivers.
#3 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- SmartMiles Technology: Get cheaper Washington SR-22 rates with low mileage. Read our Nationwide SmartMiles review to learn how.
- Vanishing Deductible: Washington SR-22 deductibles decrease annually for safe drivers.
- Automated Savings: Nationwide offers one of the best auto-pay insurance discounts for Washington SR-22 policyholders.
Cons
- Limited Accessibility: Fewer service centers for Washington SR-22 insurance support.
- Mileage Limits: You must drive less than 10,000 miles per year to save money on SR-22 insurance with SmartMiles.
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#4 – Geico: Cheapest Online Service
Pros
- Digital Platform: Streamlined online SR-22 management for Washington drivers.
- Employee Discounts: Special SR-22 rates for Washington service members and government employees.
- Safety Equipment Rewards: Explore Geico auto insurance discounts on Washington SR-22 auto insurance for vehicles with airbags, anti-lock breaks, and other safety features.
Cons
- In-Person Limitations: Minimal physical locations for Washington SR-22 insurance support.
- Strict Requirements: Rigorous qualification process for Washington SR-22 policy adjustments.
#5 – Safeco: Cheapest Customizable Coverage
Pros
- Flexible Plans: Tailored Washington SR-22 packages for various driving needs.
- Graduate Benefits: Special SR-22 rates for Washington’s newly graduated drivers, as mentioned in our Safeco auto insurance review.
- Green Vehicle Incentives: Washington SR-22 discounts for hybrid vehicle owners.
Cons
- Premium Increase: Monthly full coverage SR-22 costs reach $88 in Washington.
- Regional Variations: SR-22 coverage options vary across different Washington areas, and some coverages may not be available near you.
#6 – The General: Cheapest for High-Risk Drivers
Pros
- Risk Acceptance: Specialized Washington SR-22 coverage for high-risk drivers who can’t find policies with standard companies.
- Quick Processing: Rapid SR-22 filing service for Washington license reinstatement. (Read More: The General Auto Insurance Review)
- Online Savings: Washington SR-22 discounts are available through paperless billing and automatic payments.
Cons
- Limited Features: Basic Washington SR-22 insurance coverage with fewer additional benefits.
- Coverage Restrictions: Stricter SR-22 policy terms for Washington high-risk drivers.
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#7 – American Family: Cheapest for Teen Drivers
Pros
- Teen Driver Programs: Special SR-22 policies and discounts for young and teen drivers in Washington.
- Driving Course Rewards: Washington SR-22 discounts for completing accident prevention and defensive driving courses.
- Policy Flexibility: Our American Family auto insurance review highlights the company’s customizable Washington SR-22 coverage.
Cons
- Strict Documentation: Complex paperwork requirements for Washington SR-22 policy customization.
- Limited Availability: Coverage options vary across Washington, so confirm what is available near you with a local agent.
#8 – Liberty Mutual: Cheapest Multi-Policy Options
Pros
- Bundle Integration: Significant Washington SR-22 insurance discounts with multiple Liberty Mutual policies.
- Anti-Theft Rewards: SR-22 discounts for Washington vehicles with security features.
- Student Benefits: College students with good grades or studying away from home can get cheap Washington SR-22 insurance with discounts.
Cons
- Price Point: Higher monthly SR-22 insurance rates at $41 for Washington minimum coverage. (Read More: Washington Minimum Auto Insurance Requirement)
- Complex Policies: Intricate SR-22 terms and conditions for Washington policyholders.
#9 – Farmers: Cheapest Personalized Service
Pros
- Dedicated Support: Specialized Washington SR-22 guidance through local representatives.
- Safe Driver Incentives: Washington drivers who maintain accident-free records can benefit from SR-22 discounts, according to our Farmers auto insurance review.
- Defense Course Benefits: Premium discounts on Washington SR-22 car insurance for completing defensive driving.
Cons
- Coverage Gaps: Limited SR-22 coverage options in rural Washington regions
- Service Limitations: Restricted SR-22 support options in certain Washington areas.
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#10 – Allstate: Best for Many Discounts
Pros
- Drivewise Program: Technology-based Washington SR-22 premium reductions through monitoring. For more details, visit our page “Allstate Drivewise Review“.
- Safe Vehicle Rewards: Washington SR-22 discounts for cars with safety features.
- Multiple Payment Options: Flexible SR-22 premium payment plans for Washington drivers.
Cons
- Technology Requirements: Drivewise SR-22 benefits need specific devices in Washington.
- Discount Complexity: Challenging qualification process for Washington SR-22 discount programs.
Washington SR-22 Insurance: Minimum vs. Full Coverage
We have gathered a list of the leading providers’ monthly rates for basic to full auto insurance. Find out which company offers the most cost-effective options for keeping your SR-22 status.
Washington SR-22 Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$50 $114
$40 $91
$44 $102
$32 $75
$41 $92
$31 $70
$26 $60
$35 $88
$30 $69
$36 $85
The right SR-22 auto insurance can be extremely important in ensuring you stay compliant and save money. This allows you to compare these monthly rates to see which provider is best for you.
Data in Washington state’s auto insurance shows that rear-end collisions and single-vehicle accidents make up the majority of claims, and it’s obvious that comprehensive coverage and defensive driving are critical.
5 Most Common Auto Insurance Claims in Washington
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 28% | $3,500 |
| Single-Vehicle Accidents | 22% | $4,200 |
| Parked Car Damage | 15% | $1,200 |
| Weather-Related Damage | 12% | $2,800 |
| Animal Collisions | 8% | $2,300 |
Unsurprisingly, the data correlates city size with claim frequency, with very large cities far outpacing smaller municipalities in claim frequency.
Washington Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bellevue | $1,500 | $1,200 |
| Everett | $1,200 | $1,000 |
| Kent | $1,000 | $850 |
| Renton | $700 | $600 |
| Seattle | 7,984 | $6,500 |
| Spokane | $2,500 | $2,100 |
| Spokane Valley | $600 | $500 |
| Tacoma | $3,200 | $2,800 |
| Vancouver | $2,000 | $1,700 |
| Yakima | $800 | $700 |
These leading SR-22 insurance options available in Washington are designed to ensure that you not only remain well-protected but also stay within your financial means.
SR-22 Insurance Discounts to Save on Premiums in Washington
To help you save on your premiums, we’ve compiled a list of the top providers and the discounts they offer. Find the best deals for your SR 22 insurance needs with safe driving incentives, multi-vehicle savings, and more.
SR-22 Insurance Discounts From the Top Providers in Washington
Insurance Company Available Discounts
Anti-Lock Brakes, Responsible Payer, Drivewise, Safe Vehicle
Teen Safe Driver, Early Bird, Multi-Vehicle, Generational Discount
Affinity Group, Distant Student, Safe Vehicle, Multi-Car
Emergency Deployment, Good Student, Air Bag, Daytime Running Lights
New Graduate, Multi-Car, Telematics, Hybrid Vehicle
SmartMiles, Vanishing Deductible, Defensive Driving, Automatic Payments
Homeowner, Paperless Billing, Paid-in-Full, Sign Online
Accident Prevention Course, Anti-Theft, Teen Driver, Bundled Insurance
Accident-Free, Student Away, Defensive Driving, Anti-Theft System
Paid-in-Full, Defensive Driving, Prior Insurance, Safe Driver
As you look at the table you can see that all providers have different discounts available to you that can make a big difference on your total costs.
SR-22 insurance discounts can help take a hefty chunk out of your premiums and can definitely make it cheaper to stay covered and compliant.Travis Thompson LICENSED INSURANCE AGENT
If you live in Washington, there are many insurance discounts that you can take advantage of, including bundling, which has the highest potential savings of 25%. This allows you to use multiple discounts at once from different providers to get as much as you can from your auto insurance premiums.
Washington Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling (Auto + Home) | A | 25% | Progressive, Allstate, Farmers |
| Safe Driver Discount | A | 20% | Geico, State Farm, Progressive |
| Military/Veteran Discount | A | 15% | USAA, GeicoO, Armed Forces Insurance |
| Good Student Discount | A- | 15% | State Farm, Liberty Mutual, USAA |
| Multi-Vehicle Discount | B+ | 15% | Allstate, Farmers, Nationwide |
| Low Mileage Discount | B+ | 12% | State Farm, MetLife, Safeco |
| Loyalty Discount | B+ | 10% | Allstate, Farmers, Liberty Mutual |
| Anti-Theft Device Discount | B | 10% | Geico, Nationwide, Liberty Mutual |
| Defensive Driving Discount | B | 10% | Allstate, Farmers, The Hartford |
| Paperless Billing Discount | B | 5% | Progressive, Liberty Mutual, Nationwide |
With that in mind, understanding these options and how they interplay with auto insurance deductibles can help you make a well-informed decision and save you the most.
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Best SR-22 Insurance Providers in Washington
When looking for the cheapest SR-22 insurance in Washington, the best auto insurance companies are Progressive, State Farm, and Nationwide. Progressive excels with its bundling discounts, State Farm offers extensive agent support, and Nationwide provides unique rewards through its SmartRide program.
Washington’s auto insurance market overview reveals varying grades across key premium factors and coverage options:
Washington Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Discounts Availability | A- | Many insurers offer discounts for safe drivers, multi-vehicle policies, and bundling. |
| Rate Stability | B+ | Rates are stable, with minimal fluctuations annually and manageable impact from claims history. |
| Average Premium Cost | B | Premiums in Washington are moderate, influenced by urban traffic and weather conditions. |
| Liability Coverage Cost | B | Liability costs are reasonable, with sufficient options for various coverage levels. |
| Affordability | B- | Premiums are generally affordable, though urban areas see higher rates due to population density. |
| Comprehensive & Collision Rates | C+ | Higher in areas with more severe weather and increased accident risk, particularly in cities. |
Overall, Washington maintains a B average rating, with strong discount offerings but higher costs in urban and weather-affected areas. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Frequently Asked Questions
How much is SR-22 insurance in Washington state?
SR-22 insurance in Washington starts at $26/month with Progressive, $30/month with State Farm, and $31/month with Nationwide. A $15–$25 filing fee is also typically required.
What Washington insurance company has the cheapest SR-22?
Progressive offers the cheapest SR-22 insurance in Washington at $26/month, followed by State Farm and Nationwide. Discounts may apply for eligible drivers to further lower costs.
How long is SR-22 required in Washington?
In Washington, SR-22 insurance is usually required for three years, depending on the offense. Drivers must maintain continuous coverage to comply with state car insurance requirements during this period.
How does SR-22 insurance work in Washington state?
SR-22 is a certificate filed by your insurer to verify you meet Washington’s minimum liability coverage. It ensures compliance and is often required after specific violations like DUIs. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
How do I get rid of an SR-22 in Washington state?
To cancel an SR-22, complete the required period (typically three years), maintain continuous insurance, and notify your insurer once eligible. The state confirms your compliance before removal.
How long do you have to get insurance after buying a used car in Washington state?
In Washington, you have 15 days to inform your insurer about purchasing a used car. Existing policies may provide temporary coverage within this grace period.
How do I reinstate my suspended license in Washington state?
Reinstating a suspended license involves paying fines, maintaining an SR-22 if required, fulfilling any court orders, and completing the process with the Washington Department of Licensing.
What is Washington’s financial responsibility requirement?
Washington mandates drivers carry liability insurance with minimums of $25,000 per person, $50,000 per accident for injuries or deaths, and $10,000 for property damage.
Who needs an SR-22 in Washington?
Drivers with DUIs, multiple serious violations, or a suspended license often require an SR-22 to demonstrate compliance with the state’s financial responsibility laws.
Which Washington auto insurance is best for DUI?
Progressive, State Farm, and The General are top insurers for DUI drivers, offering competitive rates, SR-22 filing, and tailored coverage options to meet compliance requirements.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
What is the equivalent of SR-22 auto insurance?
While some states use FR-44 as an equivalent form, Washington state exclusively requires SR-22 as the standard proof of financial responsibility following specific driving violations.
What is the liability minimum in Washington state?
Washington state auto insurance law mandates drivers carry minimum coverage of twenty-five thousand dollars per person, fifty thousand dollars per accident for injuries, and ten thousand dollars for property damage.
Is Washington a strict liability state?
Washington follows strict liability rules for product cases, but uses comparative negligence for auto accidents, allowing fault to be shared between parties based on their degree of responsibility.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.