Cheap Car Insurance Washington State [FAQ] – Get Instant Proof of Insurance!

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You Don’t Need Car Insurance… Until You Do   #AccidentsHappen

We do write car insurance. And lots of it. If you need to get the best car insurance policy cheap, what would you do? Breathe easy, cheap car insurance is our specialty. Let us be your insurance finders. We can get you insured today with instant proof of insurance so you can save more.

If you got a ticket for no insurance, we can get you insured before you go to court so that you can drive legally and possibly get your fine reduced. Mid-Columbia Insurance serves all state of Washington and is the general car insurance expert. No matter where you are driving in the state, farm, city, or on the freeway insurance is necessary. Simply insure yourself today!

Find the coverage you need at a price you can afford. We specialize in representing the progressive insurance companies that offer the best rates for typical american family drivers in Washington.

Worried about who to trust to handle your insurance needs? Check out our great Google Reviews. Can 1500+ people be wrong? When you’re ready to get your car insurance started, contact us for a fast and free insurance quote. A general car insurance quote from us is much cheaper than All State Farm Ers.

What are the Washington state car insurance laws?

Washington is fairly lenient if you are caught driving without insurance compared to other states. However, Washington state law requires a driver to be able to show financial responsibility either by having car insurance or pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing.

We can help you with the auto insurance. Don’t know of any regular person who would be willing to put up a $60,000 certificate of deposit and bet they are not going to get in an accident. Much cheaper to pool your risk and buy insurance.

What is the penalty for no car insurance in Washington state?

If you get caught driving without proof of insurance, regardless of the reason you are pulled over, will cost you up to $550 in fines and penalties.

You receive a proof of insurance card from your insurance company either on paper or electronically when you start your car insurance and at every renewal. If you are stopped by the police, you are required to show this proof of insurance card to the officer.

Worse still, if you are involved in an at-fault accident and do not have insurance, you could have your license suspended for up to 3 years, be required to file an SR22 to get your license reinstated, pay for the damages and injuries you caused, and pay the traffic fines.

Appealing your no insurance fine. If you did have insurance in force at the time you got the ticket, you may be able to get the fine reduced to court costs. If you purchased insurance after you got the ticket, most judges are lenient and will reduce the fine substantially.

What is the cheapest car insurance?

The cheapest auto insurance policy you can purchase is liability coverage. This pays the damage you cause to someone else and is the minimum coverage Washington state allows. We always recommend more coverage but if you need to keep your insurance premium down, the choice is yours.

Who has the cheapest car insurance in Washington state?

The cheapest insurance premium depends on a number of ‘responsibility’ factors and how much each company weights each factor.

  • If your driving history is clean, you have good credit, and you have carried higher liability limits for a number of years, Safeco or Progressive will most likely have the best rates for you.
  • If your driving record is clear but you don’t currently have an insurance policy or have just been carrying the state minimum, National General and Progressive will probably have the best rates for you.
  • If you have collected a couple tickets or accidents, Dairyland or National General will probably have the best rates for you.
  • If you have had more than two accidents or are collecting tickets like they Pokemon, then Kemper Specialty will have the best rate for you.

One of the advantages of working with an independent agent is we have multiple companies and can shop your insurance for you to get you the best rate possible.

Do I Really Need Car Insurance?

Car insurance can be expensive, so you may ask yourself if you really need it. Washington state law does require you carry a minimum amount of liability insurance for a reason. And, believe it or not, it is not to make insurance companies rich. But is insurance really necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an estimated 7,277,000 police-reported traffic crashes occurred and 3,144,000 people were injured in those accidents and 37,461 people were killed, an average of 102 people each day, one fatality every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for an accident, you need responsibility insurance aka liability insurance in order to provide financial relief to the victims of the accident.

Try to imagine a world without car insurance. Every time you went for a drive, you would be risking your bank account and your future earnings. Insurance is designed to help protect you from expensive and sometimes devastating surprises including legal costs if you are taken to court because of an accident.

The average cost of insurance is not that much when you compare it to what the insurance company may have to pay out if you make one minor mistake. The value of good insurance is only revealed when you need it most. In other words, you don’t need insurance… until you do. #AccidentsHappen

5 Reasons You Need Car Insurance

  • Safeguard your home, savings accounts, and other assets from a lawsuit
  • Protect the investment you have in your car
  • Pay for medical bills for you and your passengers after an accident
  • Cover you, your passengers, and your car if hit by an uninsured motorist
  • Save a lot of money later by paying a little now

So, do you really need car insurance? Only if you want to protect your assets and drive legally. Your other option is to get friendly with your local bus or uber driver.

What Are the Washington State Auto Insurance Laws?

Washington state requires all drivers all drivers to carry a minimum amount liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a vehicle. The easiest way to satisfy these requirements is to purchase auto insurance.

The minimum car insurance required in Washington state is as follows:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $10,000 per accident

Personal Injury Protection and Uninsured Motorist coverages must be offered by the insurance company but the law allows you to reject them by signing a rejection form.

Not only must you have insurance, the law requires that any time you are driving in the state, you must be able to show your proof of auto insurance to law enforcement.

Failure to show proof of coverage when requested by a police officer is considered an infraction and can result in fines of up to $450.

Can you get insurance without a license?

You can get car insurance even if you don’t have a driver’s license. Someone may wonder why you would want to but there are a number of legitimate reasons you might want to, all having to do with protecting you and your assets.

  • Your license is suspended, you probably want to get insurance and an SR22 filing so you can get your license back.
  • You have a foreign drivers license and are visiting the United States.
  • You don’t drive for health reasons but own a car and family members or a caregiver drive for you.
  • You have a teenager who wants to drive but you have to buy the car in your name since they are underage.
  • You’re trying to get your license and need to practice with your learner’s permit before taking the driving test.

In all these situations and more we can help you get insurance even if don’t have a driver’s license.

You are not legally required to have a driver’s license in order to purchase car insurance but most of the big name insurers, like GEICO, State Farm, American Family, and Allstate, will not insure you without a driver’s license. Also some agents may not be familiar with how and why it can be done or may just not want to bother and therefore will brush you off with a quick ‘no’. Let us help. We know our stuff.

Should I Just Buy State Minimum Liability Limits?

Bare minimum liability coverage is rarely advisable but it’s better than no insurance at all, especially if you can’t afford more. The average cost of just liability insurance for most people is less than $50 per month and it also removes the worry of getting pulled over by law enforcement.

If you have no savings or assets, minimum liability coverage may suffice but would not be enough to pay for serious injuries or to repair/replace a newer car. Without sufficient insurance your future wages may be garnished to cover the damage you cause.

If you are only carrying the state required $10,000 property damage and hit a car worth $20,000, the insurance company will pay the $10,000 and you will be responsible for the remainder.

Basically, you are self-insuring for anything over the insurance limits you have chosen to purchase. If you don’t want to have your wages garnished or your assets sold, seriously consider buying higher limits of liability.

How Much Do Tickets Affect Insurance Policy Rates in Washington?

Your insurance rates will be affected by both the seriousness of the traffic ticket you received and how many other tickets you have received in the last 3 years. How much depends upon the infraction’s seriousness and your insurer’s rating criteria in Washington.

According to, 2300 traffic tickets are issued in Washington state each day. If you are one of the unlucky, your car insurance rates will most likely go up. 

Every insurer uses different rating factors but, for example, a speeding ticket will probably raise your rates about 10% and a second one will raise it even more than the first. If the speeding tickets were for more than 15mph over the limit then they will increase your rates even more. And, if your company was giving you a a discount for safe driving, you will also lose that discount and see a corresponding increase. 

A Driving while suspended ticket will probably raise your rates by at least 20% and a single accident could raise your rates 25% and cost you your accident-free discount, raising rates another 5-10%. So, the more severe the violation and the number of violations will end up driving your insurance rates higher.

 What to do if your rates go up because of a ticket? It is time to shop around. If you are insured with an independent agent like Mid-Columbia Insurance, we can do the shopping for you and move you to a different company if they are offering better rates. If you are not insured with us, why not? Call today and let us give you a quote! (509)783-5600

Can I drive a car I just bought without insurance?

You cannot drive a car without insurance even if you just bought it. Washington state requires all cars driven on public roads to be insured. The fact that you just purchased a vehicle does not change the requirement.

Luckily, if all your current vehicles are insured with one insurance company then the coverage on those cars automatically transfers for a few days (check with your insurance company to know exactly how many).

If all your cars are not insured with one company, you will want to call your agent before you drive off the lot. If you do not have insurance, you will want to call Mid-Columbia Insurance before you drive off the lot.


How Do I Compare Insurance Quotes?

It is very easy for a company to have a lower price if they are offering less coverage or are not including the same tickets and accidents than everyone else. Make sure you’re getting an accurate comparison. Select the same set of coverages, limits, and deductibles and the same driving record for each quote you get.

Once you’ve received several car insurance quotes with the same coverages, factor in the helpfulness of the agent you spoke to in explaining and suggesting coverages and check the agency’s Google Reviews to make sure they meet your standards. Also decide if you want shop local with an agent that lives here in the Pacific Northwest like you do or if you are ok with a “cubicle agent” out of who-knows-where that works for one of the big 800# companies.

Now you are ready to select the agency that is the best match for you.

Who Can I Insure To Drive My Car?

Anyone who regularly drives your vehicle should be added as a driver on your policy so there is no question of coverage should an accident happen. Anyone in your household or who has regular access to your car should also be added since almost every policy requires you disclose them and either add them as a driver or exclude them from coverage.

How Can I Get The Best Car Insurance Premium?

Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you?

A simple way for an insurance company to have low rates is to fight every claim. Pick a company with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you know it is a lie. They know it works.

If you are simply looking for the lowest insurance premium you have a number of options:

  • Raise your deductibles.
  • Only carry the coverages you must have.
  • See if your insurance company offers a renters or home insurance bundle discount. Not always cheaper to bundle auto and home together but it is worth asking.
  • Drive Defensively! Many companies have an “Accident Free” discount that you won’t get if you have a not-at-fault accident.
  • Don’t be touching your cell phone while driving! Cell phones not only distract you, making you more likely to be involved in a car accident, they also are easy tickets for police officers to write.
  • Stop collecting tickets from law enforcement officers like others collect Pokemon.
  • Improve your credit score. Yes, your credit history is a reflection of your responsibility.
  • Set your insurance policy up on Electronic Funds Transfer. If you are responsible enough to keep your checkbook balanced, most companies give a significant discount for automatic payments.
  • Get quotes from a number of companies. Each insurance companies weighs rating factors differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.

Is Washington a no-fault auto insurance state?

Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in a car accident may share some responsibility when determining compensation for damages. Comparative negligence may allow both the claimant and the plaintiff to recover compensation for damages even if they are partially at fault for the accident.

When is a Good Time to Shop for Insurance?

When you cross major life events you should reassess your car insurance coverages and check if you qualify for better discounts. Here are some times when your rates are likely to change:

  • Purchasing a car – the company that had the best rate for your old car may not be best with the new one.
  • Adding or removing a driver from a policy – either could raise or lower your rate depending on their age and driving record.
  • Marriage or divorce – Major life change.
  • Moving – every zip code has a different rate and every company has different factors for those zip codes.
  • Adding a teen driver – They are 3x as likely to have an accident, so count yourself lucky if your rate only doubles.
  • Buying a house – You may be in a different rating zip code and may now qualify for the homeowners discount and a home insurance bundling discount.
  • DUI or major violation – If your current company finds out, you will be seeing a rate hike at your next renewal.
  • Accident – You probably will lose your Safe Driver Discount even if the accident was not-at-fault.
  • Three Years Driving History – Once your tickets are more than 3-years old they will no longer count. Your current company will have to wait till your renewal to lower your insurance rates.
  • Change in credit score – if your credit history gets significantly better ask your agent if they can have your credit score re-ordered.

Do you need car insurance to get a driver’s license?

You do not need car insurance to get your Washington driver’s license but when you take the test drive for your driver’s license, you must show the driving instructor proof that the car you are going to use to is insured.

So, if the car belongs to someone else, you can just show their insurance to the instructor. Just be sure, for your safety and the car owners, that their policy will cover you as a driver.


What are You Waiting For?

Mid-Columbia Insurance represents companies like Safeco, National General, Dairyland, Progressive, Kemper Specialty, Foremost, Bristol West, and others that millions have come to know and trust.

Also, because of the number of companies we represent, we can insure most cars and drivers even you if you are considered a high-risk driver. No matter if your driving record is Good, Bad, or Ugly, we can insure you.

What are you waiting for? Quit worrying about what would happen if you were in an accident or got pulled over by law enforcemnt. Pull out your cell phone and call us now at (509)783-5600 or Request A Quote here to get your free auto insurance quote right now.

Testimonials & Referrals

5 Star Review
Completely helpful in all the questions I asked were answered. If I didn’t already have insurance comparable I would of switched. I stayed with my insurance company even though im paying a couple of $$ more. Great customer service.
Kathleen Cullen

5 Star Review
Gary gave me a very good insurance rate
Barb Kelly

5 Star Review
We’ve been with Mid-Columbia for years and are very satisfied. Daisy is awesome and always gets us the best rates and coverage, fast and easy..👍
Charles Salter