Average Full Coverage Car Insurance Cost Washington State

Average Full Coverage Car Insurance Cost in Washington State

Understanding Full Coverage Car Insurance

Full coverage car insurance provides drivers with the maximum level of protection for their car and other vehicles. This type of insurance covers both collision and liability coverage. Collision coverage helps to pay for repairs to your vehicle in the event of an accident. Liability coverage helps to pay for damages that you may be liable for in the event of an accident. Depending on your policy, full coverage car insurance may also include comprehensive coverage, which makes you eligible for compensation for damage caused by any other event, such as theft, fire, or natural disaster.

Average Cost of Full Coverage Car Insurance in Washington State

The average cost of full coverage car insurance in Washington State depends on a number of factors. These include the make and model of your car, your driving record, the number of years you have been driving, and the amount of coverage you choose. Generally, full coverage car insurance in Washington State is more expensive than other types of car insurance due to the additional coverage it provides.

According to ValuePenguin, the average cost of full coverage car insurance in Washington State is $1,788. This amount is based on a profile of a 30-year-old single male driver with a clean driving record, driving a 2020 Honda Accord. The coverage includes liability, collision, and comprehensive coverage with a $500 deductible.

Factors That Impact the Cost of Full Coverage Car Insurance in Washington State

The cost of full coverage car insurance in Washington State can vary depending on a variety of factors. The make and model of your car are two of the most important factors that can affect your insurance rate. For example, a luxury car will typically cost more to insure than a basic model. Additionally, your driving record, the number of years you have been driving, and the amount of coverage you choose can all have an impact on your insurance rate.

It is also important to consider the type of car you drive when calculating your insurance rate. For example, a sports car or a car with a higher performance engine will typically cost more to insure than a standard model. Additionally, the age of your car can also affect your insurance rate. Generally, older cars cost less to insure than newer cars.

Tips for Lowering Your Full Coverage Car Insurance Cost in Washington State

There are several strategies you can use to keep the cost of your full coverage car insurance in Washington State down. One of the most important is to shop around for the best rate. Different insurance companies offer different rates and discounts, so it is important to compare different policies before choosing one. Additionally, you can also look into discounts that may be available to you, such as safe driver discounts, multi-car discounts, and discounts for having a good driving record.

You can also look into raising your deductible. By raising your deductible, you can reduce your insurance premiums. However, it is important to remember that if you do get into an accident, you will have to pay the difference between the deductible and the total amount of damages.

The Bottom Line

The cost of full coverage car insurance in Washington State can vary depending on a variety of factors, including the make and model of your car, your driving record, the number of years you have been driving, and the amount of coverage you choose. To keep the cost of your full coverage car insurance down, it is important to shop around for the best rate and to look into discounts and deductible increases. With the right strategies, you can find an affordable full coverage car insurance policy in Washington State.