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,...
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UPDATED: Dec 6, 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: Dec 6, 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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Min. Coverage for SR-22 in Washington
A.M. Best Rating
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17,759 reviews
3,019 reviewsCompany Facts
Min. Coverage for SR-22 in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviewsFor 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, this guide will help you find the best providers in Washington. We’ve highlighted the top companies with affordable SR-22 coverage.
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 Washington SR-22 insurance premiums.
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 |
Use our free comparison tool to see what auto insurance quotes look like in your area.
- The cheapest SR-22 insurance in Washington state costs $26/month
- The best SR-22 insurance companies are Progressive, State Farm, and Nationwide
- Pay-per-mile programs can get you cheap SR-22 insurance in Washington
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#1 – Progressive: Top Pick Overall
Pros
- Lowest Rate Guarantee: Our Progressive auto insurance review mentions that the company offers the cheapest SR-22 insurance in Washington, 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 are available for Washington families with multiple generations insured with State Farm.
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: Geico offers an efficient online system for managing SR-22 requirements for drivers in Washington.
- 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 for vehicles with air bags, 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: Safeco offers personalized SR-22 insurance packages in Washington to accommodate a wide range of driving needs and situations.
- Graduate Benefits: Special SR-22 rates for Washington’s newly graduated drivers, as mentioned in our Safeco auto insurance review.
- Green Vehicle Incentives: Owners of hybrid vehicles in Washington State may be eligible for various discounts when it comes to obtaining SR-22 insurance.
Cons
- Cost Increase: The full coverage rate has sharply increased, with average monthly premiums for SR-22 in Washington state costing $88.
- 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: You can get discounts on Washington SR-22 insurance if you choose paperless billing and set up automatic payments.
Cons
- Limited Features: The basic Washington SR-22 insurance policy provides a lower level of coverage and features fewer additional benefits than more extensive plans.
- Coverage Restrictions: More stringent SR-22 policy conditions for high-risk drivers in Washington.
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#7 – American Family: Cheapest for Teen Drivers
Pros
- Teen Driver Programs: The company offers 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: In the state of Washington, drivers who equip their vehicles with advanced security features can benefit from significant discounts on their SR-22 insurance policies.
- 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 in Washington costs $41 for minimum coverage. (Read More: Washington Minimum Auto Insurance Requirement)
- Complex Policies: Detailed and multifaceted SR-22 stipulations and requirements specifically tailored for policyholders residing in the state of Washington.
#9 – Farmers: Cheapest Personalized Service
Pros
- Dedicated Support: Expert assistance with Washington SR-22 requirements is available through knowledgeable local representatives who can provide tailored guidance and support.
- 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: In many rural areas of Washington state, individuals seeking SR-22 insurance often encounter a restricted range of coverage options.
- Service Limitations: Limited availability of SR-22 support options in specific regions of Washington State.
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#10 – Allstate: Best for Many Discounts
Pros
- Drivewise Program: Learn how to save money with technology-based Washington SR-22 premium reductions through monitoring in our Allstate Drivewise review.
- Safe Vehicle Rewards: Save money with discounts on Washington SR-22 for cars equipped with safety features.
- Multiple Payment Options: Washington drivers have many flexible payment options for their SR-22 premiums, so they can pick the best plan for their budget and preferences.
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 Costs for Minimum vs. Full Coverage
How much does SR-22 insurance cost in Washington? We have gathered rates from the best Washington SR-22 car companies for basic to full auto insurance. Find out which 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 |
Progressive and State Farm have the lowest SR-22 insurance rates for minimum and full coverage. Progressive also offers excellent discounts for even cheaper Washington SR-22.
However, The General will have a better deal on high-risk auto insurance if you need SR-22 after a DUI or reckless driving.
How to Save Money on Washington SR-22 Insurance
To help you save on your Washington SR-22 insurance premiums, we’ve compiled a list of the top providers and their discounts.
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 |
Find the best deals for your SR 22 insurance needs with safe driving incentives, military discounts, and more. The best home and auto insurance bundling discounts have the highest potential savings of 25%.
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, Geico, 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 |
Progressive offers the top two biggest savings with multi-policy and safe driver discounts. You can lower your SR-22 insurance rates if you buy more than one type of insurance from Progressive.
State Farm also offers competitive, safe driver and good student discounts, while Geico gives the biggest discounts to military members and federal employees.
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Understanding Washington SR-22 Auto Insurance
SR-22 auto insurance is not an auto insurance policy. It’s a certificate that proves you meet state-required coverage requirements. If you need SR-22 insurance, your rates will increase. Comparing providers ensures you get insured for the lowest price.
If you have to file an SR-22 in Washington, it might mean you’re considered a high-risk driver. To lower your SR-22 car insurance rates, you can work on improving your driving record and staying aware of local driving trends in your area.
SR-22 Insurance Claims and Accident Trends in Washington
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 insurer give discounts for safe drivers, having multiple cars, and bundling your policies together. |
| 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.
Every year we drive veterans’ lives forward by gifting vehicles to them, their families, their businesses, and the non-profits that support them through our Keys to Progress program. Learn more at https://t.co/Sfl1dPCtqs #KeysToProgress #GivingBack #Veterans #KTP2024 pic.twitter.com/e57zNsCFH3
— Progressive (@progressive) November 21, 2024
It’s important to understand common claims and city-specific trends that impact rates in order to get the best SR-22 insurance in Washington.
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 |
Data in Washington state’s auto insurance shows that rear-end collisions and single-vehicle accidents make up the majority of claims, making it obvious that comprehensive auto insurance coverage and defensive driving habits are critical.
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 |
Unsurprisingly, the data correlates city size with claim frequency, with very large cities far outpacing smaller municipalities in claim frequency. This is due to more drivers, traffic, and an increased risk of vehicle theft. But if you drive less than average, check out the best pay-as-you-go auto insurance in Washington for cheaper rates.
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 low-mileage rewards through its SmartMiles program.
To get the cheapest SR-22 insurance for reinstating driving privileges after violations like DUIs, compare multiple providers.Travis Thompson LICENSED INSURANCE AGENT
You can find affordable auto insurance no matter what your driving record looks like by getting SR-22 insurance quotes in Washington state by entering your ZIP code in our free quote comparison tool.
Frequently Asked Questions
How much is SR-22 insurance in Washington State?
Washington SR-22 insurance costs average $26/month with Progressive, $30/month with State Farm, and $31/month with Nationwide. A $15–$25 filing fee is also typically required.
What auto insurance company has the cheapest Washington SR-22?
Progressive offers the cheapest SR-22 insurance in Seattle, 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?
An 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. Enter your ZIP code to find out if you can get a better deal.
How do I get rid of an SR-22 in Washington?
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?
In Washington, you have 15 days to inform your insurer about purchasing a used car.
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. Learn how a suspended license affects auto insurance rates.
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.
What is the equivalent of SR-22 auto insurance?
While some states use FR-44 auto insurance as an equivalent form, Washington state exclusively requires SR-22 as the standard proof of financial responsibility following specific driving violations.
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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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.