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washington car insurance that’s right for you, not someone sorta like you

The Evergreen State is home to some of the country's tallest landmarks, like Mount Rainier and the Space Needle, but we're here to help bring your car insurance rates back down to earth.

In fact, Esurance has some of the most affordable car insurance rates in Washington State because all of our online tools and tech are built to save you time, money, and hassle.

We embrace innovative online technology that makes the car insurance process hassle-free and easier to understand. Our interactive quoting tool, Express Lane®, does some of the research for you in order to generate the most accurate quote possible.

washington car insurance discounts from esurance

Good news, Washingtonians: we've got a bunch of discounts to help bring a little sunshine to auto insurance in your state. When you get a Washington car insurance quote, you can learn about savings such as:

  • Claim-Free discount
  • Defensive Driver discount
  • Multi-Car discount
  • Good Student discount
  • Paid-in-Full discount
  • Homeowners discount
  • Fast 5® discount
  • Anti-Theft discount

Already have an Esurance policy? Give us a call at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts (some exclusions may apply).

auto insurance coverages in washington

Required coverages

The state requires its drivers to maintain at least the following minimum limits on liability insurance:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $10,000 of property damage liability per incident

While you're not required to add it to your policy, your insurer is required to offer you personal injury protection (PIP) coverage. PIP can help cover your medical-related expenses after a car accident (regardless of fault) up to the limits you select.

Optional coverages

  • Comprehensive
  • Collision
  • Underinsured motorist bodily injury
  • Underinsured motorist property damage
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Personal injury protection

If you're financing or leasing your vehicle, comprehensive and collision coverages may be required by your loan or leasing agent.

esurance-approved auto repair shops in washington

Esurance customers who take their cars to shops in our E-star® network can take advantage of RepairView® and guaranteed repairs for as long as they own their cars.

Find an E-star shop near you.

factors that can influence washington car insurance rates

Insurers in Washington (including Esurance) can consider the following factors when determining your car insurance rate:

  • Age, gender, and marital status
  • The make and model of your car
  • ZIP Code where your car is parked
  • Past driving record and claims history
  • Insurance history, including lapses
  • Credit-based insurance score
  • Number of years you've been licensed
  • Discounts you may qualify for

Washington's Office of the Insurance Commissioner provides a useful guide that explains why these rating factors matter (page 4 and 5 of the PDF).

Of course, the coverages, limits, and deductibles you choose for your policy will affect what you pay for insurance, too. Esurance's CoverageMyWay™ prioritizes your car insurance coverage options so you can make informed decisions on protection that's right for you, not someone sorta like you.

insurance info for washington drivers

Driving without car insurance

Drivers convicted of driving without coverage can face fines of at least $450.

Fortunately, Evergreen State drivers can pull up their car insurance ID cards on their smartphones in the event they get pulled over or otherwise need to prove auto coverage, since state law permits electronic proof of insurance.

Drivers in your state who choose Esurance can download our convenient mobile app and access proof of insurance and other policy documents round-the-clock.

Uninsured drivers in Washington

A report from the Insurance Research Council estimated that about 16 percent of Washington drivers were uninsured in 2012. This was higher than the national average of 12.6 percent.

Underinsured motorist coverage, which is optional, offers financial protection from drivers without sufficient liability coverage to pay for your accident-related expenses. You can add underinsured motorist bodily injury coverage, as well as underinsured motorist property damage coverage, to your policy.

Alternative car insurance options

If you have trouble finding coverage in the regular market, look into the Washington Automobile Insurance Plan.

Related links

Washington State Office of the Insurance Commissioner
The official site for car insurance in the Evergreen State.

5 steps to switching your car insurance
Ready for a change? First, check out our helpful pointers for switching auto insurers.

Wonder if you could be saving on car insurance?

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