Cheap Car Insurance in Renton, WA

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Cheap auto insurance in Renton, WA can be a difficult find if you don’t know where or how to look. But guess what? We are experts on the “where” and the “how” of the affordable auto insurance market.

We have tools and resources at our disposal which you can use for free today in order to get a better rate.

And we’ve saved a ton of people just like you hundreds – if not thousands – of dollars off their car insurance policies over the years.

Just use our FREE quote tool to compare insurance rates now!

Renton is a bedroom community less than 15 miles south of downtown Seattle. It’s home to several high-profile commercial enterprises, including none other than Wizards of the Coast.

It also has the second largest training facility in the NFL where the Seattle Seahawks train.

  • Fun fact: Renton just missed out on getting into the Gloomy Kids Club by ranking #11 on the “Top 100 Cities With Lowest Average Sunshine Amount”.

Auto Insurance Coverage Requirements in Washington

Driving legally in Renton requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Liability coverage isn’t just about purchasing the state legal mandatory minimum so that you have permission to drive in your state. It’s about protecting yourself from your own worst enemy: you.

Nobody ever plans to cause an accident, but if you happen to be partially, mostly, or completely at fault for one, your liability coverage is what pays for the damages you cause. Otherwise, you would have to pay for those damages out of pocket on your own.

And if you don’t have the cash on hand to take care of the expenses when they need to be paid, you can be sued in a court of law and your liquid assets can be seized and auctioned off.

This is why so many people not only choose to purchase liability coverage but in greater amounts than are necessarily recommended or mandated by law.

Do you want to be stuck paying the state average of $125 or more each month for your car insurance premiums? We didn’t think so. And we don’t think you should have to, which is the reason our website exists in the first place.

We want to find drivers like you an affordable and fair rate so that you can not only drive legally, but you can drive with the peace of mind knowing that you have the right insurance policy which is being managed by a strong, stable, reliable company.

Average Monthly Auto Insurance Premiums Legend: Renton SAFECO National General The General Capital American Family 12 24 36 48 60 72 84 96 108 120 132 144 156 $103 $119 $163 $127 $145

If you’re a thrifty driver who wants to get the absolute cheapest price for your monthly premiums, then you should take a closer look at either SAFECO or National General. But what if you want more than that?

What if you want a company with financial stability and highly rated customer service on top of quantitative value?

Well, there’s a chance that National General or SAFECO could provide you with that; or they might not. You’ll have to shop around to know for sure. But we have the resources that can help you do that more quickly and efficiently than you can do it on your own.

Washington auto insurance Is mandatory if you want to drive legally in your state. But that doesn’t mean it has to be ridiculously expensive.

Comparison shopping is the easiest and simplest way to make sure that your car insurance policy doesn’t burn a hole in your wallet.

And if you use our tools to complete the comparison shopping process, you can rest easy knowing that you will have the best rates that your money can buy.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Major Car Insurance Factors in Renton

There are some insurance companies who specialize in offering the most affordable rates to drivers who have the lowest risk profile. They offer these drivers lower rates because it protects their bottom line and helps them make better profits in the long run.

There are other insurance companies who specialize in providing auto insurance policies to people who maybe don’t have the nicest looking risk profile, but still deserve coverage and need to get around. Which company you decide to go with largely depends on your total risk profile.

The major factors below help outline your risk in the most easily understandable way so that you know how to go forward and save the most money.

Your Zip Code

In case you still haven’t brushed up on your latest census data, there are 100,952 people living in Renton today who make an average of $71,951 per year per household. Why is this important? Because it hints at your overall risk profile when it comes to your perspective auto insurance company.

Many auto insurance companies, especially those with the best customer service and greatest reliability with processing claims, like giving the lowest rates to motorists who live in low-population areas with higher property values.

100,000+ Population of Renton isn’t ideal, but the relatively high property values are. So there’s wiggle room to save a little bit of money if you play your cards right.

Auto Insurance by Zip Code Legend: Renton Seattle Tacoma The General Capital American Family 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $163 $53 $59 $127 $43 $46 $145 $47 $37

Automotive Accidents

If the statistics show that the rates of serious accidents in your area are unusually low, it can yield some wonderful savings on your car insurance premiums.

Thankfully for Renton residents like you, this is exactly the case for your city.

So have fun on the road and enjoy the added benefit of more affordable auto insurance along with the peace of mind that comes with knowing you’re less likely to get into a serious accident.

Fatal Accidents in Renton, WA Legend: Renton Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 1 2 3 2 2 2 3 3

Auto Thefts in Renton

Compared to Washington cities of a similar size, there were only 558 vehicles reported stolen in Renton last year. If this sounds alarmingly high, that’s because it is – if you only look at it in absolute terms.

In context, it’s actually fairly low. On the other hand, though, any amount of auto theft will make your insurance company nervous, which will make them want to charge you more.

This is where you will have to work with your insurance provider in order to discover proactive steps you can take to protect your vehicle from thieves and vandals.

Installing an alarm system if you don’t already have one is a great step, but your insurance agent may be able to provide other helpful suggestions in order to get you more discounts.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 $103 $103 $119 $121 $163 $178

Your Credit Score

Getting and maintaining a good credit score is one of the best ways to save the most amount of money on your car insurance premiums. Obviously, achieving that goal is easier said than done for a lot of people.

But as you can see in the chart below, it is well worth the effort given how much you can save off your monthly premiums over time.

Auto Insurance by Credit Score Legend: Good Credit Poor Credit SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 180 195 $103 $124 $119 $169 $163 $202

Your Age

Every driver under the age of 25 should be prepared to pay the highest monthly premiums they will ever pay for their car insurance.

Being a younger driver and having less experience behind the wheel makes you even more dangerous and risky than someone with, for example, a DUI on their record or several speeding tickets.

If you can, make sure you get good grades, get as much driver’s education as you possibly can (with proof thereof to present to your auto insurance agent), and even ask your parents if they would be willing to bundle you onto a family policy.

Unfortunately, though that will only save you so much until after you turn 25 years old.

Auto Policy Age Comparison Legend: 35 Year Old Driver 17 Year Old Driver SAFECO National General The General 50 100 150 200 250 300 350 400 450 500 550 600 650 $103 $445 $119 $697 $163 $404

Your Driving Record

Even if you have the worst driving record in the world, there’s hope that you can clean it up and get a better price on your monthly auto insurance premiums over time.

Your car insurance provider only worries about your most recent 3 to 5 years of driving history; anything before that is irrelevant in their eyes.

So all you really have to do is play the waiting game and anticipate that those violations will be off your record sooner rather than later.

Of course, you have to do everything you can to drive safely in the meantime and make sure you don’t get any new violations or get into any accidents for the foreseeable future.

Driving Violation Legend: Perfect Record Minor Violation Major Violation SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $103 Does Not Sell Does Not Sell $119 Does Not Sell Does Not Sell $163 $194 $211

Your Vehicle

Flashy luxury vehicles, especially vehicles which are more likely to get into an accident or which are likely to sustain more damage in an accident – such a sports cars or convertibles, for example – will naturally cost you more money for your auto insurance policy.

Even something as seemingly insignificant as the color of your vehicle may make it less visible to other drivers on the road and increase your likelihood of an accident.

As you know by now, anything that makes your insurance company nervous about your accident likelihood will sabotage your ability to get a good price on your monthly premiums.

So ask your insurance provider what they look for when it comes to insurance friendly vehicles, especially if you are in the market for a new car, truck, or SUV.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette SAFECO National General The General 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $103 $187 $119 $198 $163 $222

Minor Car Insurance Factors in Renton

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Married people always seem like the lucky ones. They get to throw a big, expensive party in order to celebrate their love. They get all kinds of expensive gifts and free money at the reception. And they also get to save money on car insurance.

Sure, it may only be about a 10 percent discount, and they may only qualify for it if they bundle together on the same family policy with the same insurance company, but over time that 10 percent savings can really add up – so don’t look a gift horse in the mouth!

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Your Gender

Decades ago, the opinion of whether or not one gender should be charged more for auto insurance premiums over the other was a lot more cut-and-dry.

But these days, it’s a lot more muddled. Many insurance companies don’t bother charging different prices at all; in fact, in some areas, this practice could be considered discriminatory and therefore illegal.

You should get in touch with your insurance provider and see what their specific business practices are. And if these practices aren’t helping you save money on your policy, then that’s a good sign you should start shopping around for a new policy.

Your Driving Distance to Work

Longer work commutes in Renton, which are 30 to 35 minutes each way on average, means that you’re putting yourself at a higher risk for getting into an accident during rush hour traffic.

Only about 19 percent of workers carpool to work, and a few others take public transportation or opt to work from home; this means you’re sharing the road with many other drivers and increasing your risk of an accident that much further. This won’t look good in the eyes of your insurance company.

But there are certain discount programs you may be able to leverage in order to balance this out. If you drive significantly fewer miles than the average person if you don’t usually drive during rush hour traffic, or both, you can plug a tracking device into your vehicle or install a tracking app on your phone to prove this.

If you successfully meet the benchmarks that your auto insurance company sets for you, you can save up to 35 percent off your monthly premium.

Your Coverage and Deductibles

If you want to lower your monthly premium, you should raise your deductible – but understand that it will make it much more expensive to get your vehicle repaired and get you back on the road when you do have to file a claim.

On the other hand, you can accept paying a slightly higher premium in order to keep your deductible low. This will make it easier for you to get back on the road if something unfortunate happens.

But if nothing unfortunate happens, then you may be kicking yourself down the line for wasting money.

Education in Renton, WA

If you’re one of the fortunate Renton residents who has a bachelor’s degree hanging on your wall, congratulations! You’re probably saving money on your car insurance right now!

But if you’re one of the many who don’t quite have that level of education yet, you should know that that benefit is something you have to look forward to in case you decide to go back to school for any other reason.

Assuming you do want to go back to school, you have a few different options both in and outside of Renton city limits. Vocational training is available from the Renton Tech College or from the Prima Medical Institute-Renton.

Outside of Renton, you can choose from Bellevue College, Seattle University, or the Seattle Campus of the University of Washington.

Very few online insurance comparison websites can promise you the results we can in such a short amount of time.

If you put your zip code into the quote box on this page within the next five minutes, we can get you at least three to five accurate insurance quotes which can help you save money on your policy today.

Just use our FREE quote tool to compare insurance rates now!

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption