Apply now for Washington auto insurance with $0 deposit**

Secure. Free. Easy-to-use.
|
Based on 200+ reviews
|
App Store 4.7/5
|
No spam, ever.

$0 down car insurance is real, and it's here at OCHO**

We offer $0 down payments, and if that's not possible, we'll reduce your down payment to a much lower, manageable amount.

We pay it now, you pay us later.

How does OCHO work?
We help pay for your car insurance down payment interest-free.
Flexible payment plans make managing your insurance smooth and easy.
We even give you more time to pay
so you stay insured.
Five Stars
Vincent
Found OCHO recently after my previous company wanted to raise my rates. They saved me 200 dollars a month (for more coverage and additional drivers) from what I was paying. I’ve had nothing but amazing service with them and their care reps are phenomenal.

Flexible, affordable, and understanding, three things most agencies don’t give you anymore. They truly care about their customers and understand hardships. I can’t see myself ever leaving their company. THANK YOU for your amazing service.

Get affordable car insurance in Washington with flexible payment options and $0 down plans available.

OCHO makes it easy to get the coverage you need without breaking the bank.

Car Insurance Requirements in Washington

Washington law requires all drivers to carry minimum liability coverage. Here's what you need to know:

Required Coverage

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Coverage: Not required but recommended

Why OCHO is Different in Washington

  • $0 Down Payment Options: Get covered today without a large upfront cost
  • Flexible Payment Plans: Pay when you get paid
  • Instant Coverage: Get your insurance card immediately
  • Build Credit: On-time payments can help improve your credit score*
  • Extra Time to Pay: Up to 15 days of flexibility when you need it

‍

Washington Auto Insurance Facts

  • Washington's average car insurance cost is about $1,224 annually (2024 data)
  • The state has strict penalties for driving without insurance
  • Washington's Hands-Free Law prohibits using handheld phones while driving
  • Auto insurance rates in Seattle are typically higher than in rural areas

Smart Coverage Options for Washington Drivers

Basic Coverage

  • Liability Insurance (Required)
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)

Full Coverage

  • Collision Coverage
  • Comprehensive Coverage
  • Rental Car Reimbursement
  • Roadside Assistance

‍

Important Washington Insurance Laws to Know

Hands-Free Law

  • Prohibits holding a phone while driving
  • No texting, browsing, or watching videos
  • Hands-free calls and GPS only
  • First offense carries a $136 fine

SR-22 Requirements

  • Required after certain violations like DUIs or driving without insurance
  • Must be maintained for three years
  • Increases insurance premiums significantly
  • OCHO can help Washington drivers find affordable SR-22 options

Insurance Verification Program

  • Washington randomly checks vehicle registrations against insurance records
  • Failing to maintain continuous coverage can result in fines
  • Drivers must show proof of insurance when requested by law enforcement
  • Penalties include license suspension and reinstatement fees

‍

Understanding Washington Auto Insurance Landscape

Washington's diverse geography and driving conditions create unique insurance needs:

Seattle Metro Area

  • Higher rates due to population density
  • Increased theft and accident risks
  • Complex commuting routes
  • More expensive claims due to higher repair costs

Coastal Areas (Tacoma, Olympia)

  • Weather-related driving challenges
  • Increased risk of vehicle damage from storms
  • Tourist traffic considerations

Eastern Washington (Spokane, Yakima)

  • Different weather conditions (snow, ice)
  • Rural driving risks
  • Lower population density often means lower rates

‍

Getting Started with OCHO is Easy

1. Download Our App
While you can apply using our web application, we highly recommend downloading the OCHO app (Apple or Android). It makes managing your insurance effortless—right from your phone. Once you’re insured, you can use the app to do things like request more time to pay with just a tap, view your policy details, and handle payments with ease.

2. Enter Your Info
Simply provide a few details, and we’ll take care of the rest. Our streamlined process ensures you get accurate quotes without the hassle of long forms or unnecessary steps.

3. Get Covered
Once you’ve selected your plan, you’ll receive instant proof of insurance, so you can hit the road with confidence. No waiting, no stress, just coverage when you need it.

Washington Driver Resources

New to Washington?

New residents have 30 days to:

  • Register their vehicle in Washington
  • Obtain a Washington driver's license
  • Secure Washington auto insurance

Teen Drivers

  • Intermediate license with restrictions at age 16
  • Passenger and nighttime driving limitations
  • Higher insurance rates for young drivers
  • OCHO helps families find affordable options for teen drivers

‍

Special Considerations for Washington Cities

Seattle Area

  • Highest insurance rates in the state due to population density
  • Complex highway systems (I-5, I-405, I-90) affect risk factors
  • Higher likelihood of accidents and claims
  • Significant traffic congestion impacts

Tacoma and Olympia

  • Moderate to high insurance rates
  • Military installation considerations
  • Coastal weather driving challenges
  • Port area traffic patterns

Spokane and Eastern Washington

  • More affordable insurance rates
  • Winter driving concerns
  • Rural road considerations
  • Different risk profiles than western Washington

Vancouver and Southwest WA

  • Border city considerations with Oregon
  • Interstate commuter patterns
  • Unique coverage needs for cross-state drivers
  • Regional weather concerns

‍

Tips for Washington Drivers

Maintaining Coverage in Washington

Continuous coverage is crucial in Washington for several reasons:

  • Avoid state penalties and license suspension
  • Maintain lower insurance rates long-term
  • Protect against the state's uninsured drivers
  • Keep your vehicle registration valid
  • Prevent gaps that could increase future rates

When to Update Your Coverage

Review your insurance when:

  • Relocating within Washington
  • Adding new drivers to your household
  • Changing vehicles
  • Your commute distance changes
  • After life events like marriage or graduation
  • Following any traffic violations

OCHO's Washington Commitment

We're dedicated to helping Washington drivers navigate insurance requirements while keeping coverage affordable. Our local expertise means we understand:

  • Regional weather patterns affecting coverage needs
  • City-specific driving challenges
  • Local traffic laws and requirements
  • Community insurance preferences and needs
  • Unique risks in different Washington regions

‍

Cost-Saving Opportunities for Washington Drivers

OCHO understands that Washington drivers need affordable options without compromising on coverage. Here are ways we help you save:

  • Payment Timing: Align insurance payments with your paycheck schedule
  • Coverage Bundling: Combine different insurance types for better rates
  • Safe Driver Benefits: Maintain a clean record for continued savings
  • Credit Building: Use on-time payments to potentially improve your credit score*
  • Flexible Down Payments: Options starting at $0 down for qualified drivers
  • Multi-Car Savings: Cover multiple vehicles for additional discounts‍
  • Low-Mileage Discounts: Pay less if you drive less

Common Questions About Washington Car Insurance

How much does car insurance cost in Washington?

The average cost in Washington is about $1,224 annually, but rates vary based on factors like location and driving history. OCHO offers affordable options with flexible payment plans to fit your budget.

Can I get car insurance with no down payment in Washington?

Yes! OCHO specializes in $0 down payment options for Washington drivers, making it easier to get the coverage you need today.

Is Washington a no-fault insurance state?

No, Washington is an "at-fault" state, meaning the driver responsible for an accident is liable for damages. This makes carrying adequate liability insurance especially important.

Who has the cheapest car insurance in Washington state?

While many companies claim to offer the cheapest rates, actual costs vary significantly based on individual factors. OCHO focuses on making insurance affordable through flexible payment plans, $0 down options, and personalized coverage solutions that fit your budget.

How much is car insurance in Washington per month?

Monthly premiums in Washington typically range from $85 to $150. With OCHO, you can split these payments into smaller bi-weekly amounts that align with your paycheck schedule, making coverage more manageable.

Does Washington require uninsured motorist coverage?

While not legally required, uninsured motorist coverage is strongly recommended in Washington due to the number of drivers without insurance. OCHO can help you add this important protection to your policy.

Do you have to have car insurance in Washington?

Yes, car insurance is mandatory in Washington. Driving without insurance can result in fines, license suspension, and other penalties. OCHO makes it easy to stay compliant with flexible payment options and instant coverage.

Why Choose OCHO in Washington

  • Local Understanding: We know Washington drivers' needs
  • Affordable Options: Flexible plans for every budget
  • Instant Coverage: Get insured today
  • Bilingual Support: English and Spanish assistance available
  • Digital-First Experience: Manage everything from your phone

Get Covered Today

Enter your ZIP code below to see how much you could save with OCHO's flexible Washington car insurance options.