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 20, 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 20, 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+ Bundling Discounts Progressive
#2 $30 B Agent Network State Farm
#3 $31 A+ SmartRide Rewards Nationwide
#4 $32 A++ Online Service Geico
#5 $35 A Customizable Coverage Safeco
#6 $36 A High-Risk Drivers The General
#7 $40 A Customizable Policies 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 above 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
- Explore available discounts to lower your SR-22 premiums
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#1 – Progressive: Best for Bundling Discounts
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 Bundling Options: Washington SR-22 clients save through anti-lock brake and vehicle packages.
- 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 for 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: Best for SmartRide Rewards
Pros
- SmartRide Technology: Washington SR-22 rates are reduced through monitored safe driving habits.
- Vanishing Deductible: SR-22 deductibles decrease annually for Washington’s safe drivers.
- Automated Savings: Nationwide offers one of the best auto-pay insurance discounts for Washington SR-22 policyholders.
Cons
- Device Requirements: Washington SR-22 SmartRide benefits need specific monitoring equipment.
- Limited Accessibility: Fewer service centers for Washington SR-22 insurance support.
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#4 – Geico: Best for Online Service
Pros
- Digital Platform: Streamlined online SR-22 management for Washington drivers.
- Military Focus: Special SR-22 rates for Washington service members during deployment.
- Safety Equipment Rewards: Geico auto insurance discounts include vehicles with airbags for SR-22 policyholders in Washington.
Cons
- In-Person Limitations: Minimal physical locations for Washington SR-22 support.
- Strict Requirements: Rigorous qualification process for Washington SR-22 policy adjustments.
#5 – Safeco: Best for 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 the Safeco auto insurance review.
- Green Vehicle Incentives: Washington SR-22 discounts for hybrid vehicle owners.
Cons
- Premium Increase: Full coverage SR-22 costs reach $88 in Washington.
- Regional Variations: SR-22 coverage options vary across different Washington areas.
#6 – The General: Best for High-Risk Drivers
Pros
- Risk Acceptance: Specialized Washington SR-22 coverage for challenging driving records.
- 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 enrollment.
Cons
- Limited Features: Basic Washington SR-22 coverage with fewer additional benefits.
- Coverage Restrictions: Stricter SR-22 policy terms for Washington high-risk drivers.
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#7 – American Family: Best for Customizable Policies
Pros
- Policy Flexibility: American Family auto insurance review highlights the company’s customizable Washington SR-22 coverage, which is tailored to individual needs.
- Teen Driver Programs: Special SR-22 provisions for Washington’s young drivers.
- Prevention Rewards: Washington SR-22 discounts for completing accident prevention courses.
Cons
- Strict Documentation: Complex paperwork requirements for Washington SR-22 policy customization
- Limited Availability: Coverage options vary across Washington service regions.
#8 – Liberty Mutual: Best for Multi-Policy Options
Pros
- Bundle Integration: Significant Washington SR-22 savings with multiple policy combinations.
- Anti-Theft Rewards: SR-22 premium reductions for Washington vehicles with security features.
- Student Benefits: Washington SR-22 discounts for students studying away from home.
Cons
- Price Point: Higher 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: Best for 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 the Farmers auto insurance review.
- Defense Course Benefits: Premium reductions for Washington SR-22 defensive driving completion.
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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.