Automotive Insurance for Danger Drivers in Washington – Bankrate.com
Drivers with multiple culpable accidents, relocation violations, or a DUI conviction may struggle to find affordable auto insurance rates. This type of reckless or risky Washington driving can even result in your license being suspended, restricted, or revoked. High risk Washington auto insurance can be an option when traditional auto insurance policies are no longer available or affordable.
High Risk Auto Insurance Rates in Washington
The cost of your Washington auto insurance will vary based on factors such as your driving history, vehicle type, and coverage levels. High risk auto insurance in Washington is generally less affordable than standard auto insurance. Every auto insurer has its risk threshold when pricing your insurance. A freight forwarder can offer affordable insurance to drivers with parking tickets, but greatly increase premiums after a claim occurs.
Car insurance rates after a parking ticket
Obtaining a speeding ticket can increase your car insurance rates slightly or significantly depending on the airline. There is no easy way to determine which insurance is cheaper after a parking ticket. However, according to insurers reviewed by Bankrate, USAA and Travelers are on average the cheapest airlines in Washington.
|Car insurance||Washington average annual premium for full coverage before a parking ticket||Washington average annual premium for full coverage after a parking ticket||% Difference|
|USAA||$ 818||$ 913||12%|
|traveler||$ 876||$ 1,270||45%|
If you take an approved defensive driving course after receiving a ticket, you may be able to avoid increasing your insurance rates. Check with your insurer to see if this is an option.
Prices after an accident
In Washington, responsibility for a car accident increases your premiums more than a parking ticket. However, high-risk auto insurance rates in Washington vary immensely from one insurance company to another.
|Car insurance||Washington average annual premium for fully comprehensive insurance before an accident||Washington average annual premium for full accident coverage||% Difference|
|USAA||$ 818||$ 1,095||34%|
|traveler||$ 876||$ 1,262||44%|
|Geico||$ 912||$ 1,363||50%|
USAA auto insurance may initially be the cheapest coverage for safe drivers, but a single accident could increase your annual premiums by 34%. Meanwhile, the rates of travelers following a culpable accident rose 44%. Eventually, geico rates increased by 50% after an accident.
Car insurance rates after a DUI
Driving under the influence of alcohol can be the most dangerous risk a driver can take, both financially and in terms of safety.
For example, receiving a DUI can affect car insurance rates.
|Car insurance||Washington average annual premium for full coverage prior to a DUI||Washington Average Annual Premium for Full Coverage after a DUI||% Difference|
|USAA||$ 818||$ 1,708||109%|
|traveler||$ 876||$ 1,395||59%|
|Geico||$ 912||$ 2,350||158%|
Drivers convicted of DUI in Washington must ask their insurance company to submit a Financial Responsibility Certificate (SR-22) to the DMV in order to drive legally. The SR-22 must remain active for 36 months from the filing date.
Insurance tariffs for young drivers
Auto insurance premiums for parents who add their teenagers to their Washington policies are above average in the state. The following table shows the additional annual premium in addition to the current premiums for taking a 16-year-old into car insurance.
|Car insurance||Average annual premium for fully comprehensive insurance|
* 16-year-olds in their parents' policy
Who is a Risk Driver?
Auto insurers generally consider drivers with a DUI conviction or multiple accidents or traffic violations as high risk drivers.
You could get your driver's license revoked in Washington after collecting enough tickets in your driver's license. For example, if you receive six move violations within 12 months or seven within 24 months, your license can be suspended for 60 days.
How to lower your tariff if you are a risk driver
High risk drivers may have limited transportation options and higher rewards. One way to make up for the limited options is to find ways to reduce insurance costs:
- Take a look around and compare multiple car insurers to find the cheapest coverage based on your last driving history. Make sure your prices are valued based on recent incidents on your file to avoid surprises later.
- Apply as many discounts as possible, such as:
- Take an approved driver safety course to remove a convicted ticket from your file.
- Increase your deductible for fully comprehensive and collision damage to the highest possible amount that you can afford. Remember that in the event of a claim, the higher your deductible, the more you pay out of your pocket.
If you save just 5 to 10 percent on your auto insurance, it can cost you hundreds of dollars a year.
frequently asked Questions
What is an SR-22?
An SR-22 is a financial responsibility certificate that confirms that you have at least the minimum insurance required to drive in the state. It is a form that your insurer submits to the DMV on your behalf. In general, an SR-22 must remain active for three years from the date of submission.
I am a risk driver. Do I need additional car insurance?
All Washington drivers are required to have civil liability insurance with a minimum of $ 25,000 per person liability insurance, $ 50,000 personal injury per accident, and $ 10,000 property damage liability per accident. However, it is worth considering considering a higher amount of coverage so that you will not be able to pay out of pocket in the event of an accident.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all postcodes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury to an uninsured driver per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
In order to set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of the individual states. Our Basic Profile drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.
High risk drivers
Incident: The rates were calculated by evaluating our base profile using the following incidents: clean record (base), fault accident, single speeding, single DUI conviction, and expiry of cover.