Compare Washington, IN Car Insurance Rates (2021)

The cheapest Washington, IN car insurance is offered by GEICO, but rates vary by driver. Auto insurance in Washington must meet the state requirements of 25/50/25 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. Compare Washington, IN auto insurance rates online to find the best deal for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 26, 2021

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Here's what you need to know...

  • GEICO offers the lowest car insurance rates to all drivers in Washington, IN
  • Washington car insurance is less than the national average
  • Washington has a very low commute time

Washington, IN car insurance is lower than the national average. This isn’t surprising since Indiana car insurance, in general, is also lower than the national average.

Even if average rates are low, you still want to find the most affordable Washington, IN car insurance out there. Shop around and compare rates from multiple companies to see which one can offer you cheap car insurance that fits your needs.

Enter your ZIP code now to compare Washington, IN car insurance quotes near you for free.

What is the cheapest car insurance company in Washington, IN?

Although USAA actually offers the cheapest car insurance rates in Washington, it only offers coverage to the military, veterans, and their families. GEICO offers the cheapest average car insurance rates to all drivers in the city.

The top Washington, IN car insurance companies listed from cheapest to most expensive are:

  • USAA – $1,529.81
  • GEICO – $2,437.68
  • State Farm – $2,450.22
  • Nationwide – $2,693.37
  • Travelers – $2,985.47
  • American Family – $3,370.35
  • Farmers – $3,475.98
  • Allstate – $3,949.44
  • Progressive – $4,012.12
  • Liberty Mutual – $5,836.11

Your car insurance rates are affected by many different factors, such as your age and driving record.

Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Indianapolis car insurance is more expensive than coverage in Washington.

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What car insurance coverage is required in Washington, IN?

Most states, including Indiana, require drivers to carry at least a minimum amount of car insurance. Drivers in Washington must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from Washington, IN weather.

What affects car insurance rates in Washington, IN?

Traffic can also cause an increase in your car insurance rates. More cars on the road equal a greater chance of being in an accident.

Although INRIX doesn’t have data for Washington, IN, it does list Indianapolis as the 79th-most congested city in the U.S.

City-Data reports that most drivers in Washington only commute around 10 minutes. That’s about half of the national average.

Auto theft can also drive up your rates. The FBI doesn’t have specific data for Washington, IN, but it does show that Indianapolis had 4,904 motor vehicle thefts in one year.

Washington, IN Car Insurance: The Bottom Line

Washington car insurance is pretty inexpensive, but you still need to shop around before you buy Washington, IN car insurance. Compare quotes from several different companies to find the best deal.

Enter your ZIP code now to compare Washington, IN car insurance rates from multiple companies near you.

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