Map of WashingtonQ: Do car insurance rates differ from town to town in Washington state? If I move to another city in Washington, will my rates change?

A: Car insurance companies in Washington state are allowed to use various rating factors when determining your premiums. Your address, or more specifically the zip code of where you keep your vehicle, is used as one of the rating factors to determine your car insurance rates. So when you move from one zip code to another, it may change your auto insurance rates, for the better or worse.

Rates for the various zip codes are based primarily on each companies’ claims experience in that area. The more accidents and the more they cost to fix, the higher the rates for that area. The company that had the best rate at your old address may not have the best rate at you new location.

If your rates go up after you move or you are just ready to shop around for cheaper insurance rates, call us at Mid-Columbia Insurance. We can offer rates from multiple companies. You can call us or come into one of our offices in Kennewick, Pasco, or Yakima, or use our online quote page to build your car insurance policy with the coverages, options, and deductibles that you can afford.