Cheapest Car Insurance Quotes in Alderwood Manor

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Alderwood Manor Car Insurance

^$ 43

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alderwood Manor

The car insurance rate in Alderwood Manor is $1100 for a six-month policy, which is $183 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Alderwood Manor can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alderwood Manor

$1100

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Alderwood Manor

1st place: Kemper

At $492 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $662 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $684 for six months, making it the third cheapest auto insurance company in Alderwood Manor.

Alderwood Manor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alderwood Manor, WA is Kemper, offering policies at just $492 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $662.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2902 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alderwood Manor drivers find the best deals.

Cheap Car Insurance Companies in Alderwood Manor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$492	$82
Nationwide	$662	$113
Auto-Owners Insurance Co	$684	$114
Chubb	$776	$132
Capital Insurance Group	$791	$132
USAA	$926	$156
Mutual of Enumclaw	$977	$163
American Family	$998	$168
State Farm	$998	$168
Progressive	$1019	$172
PEMCO	$1098	$185
Travelers	$1105	$186
Farmers	$1212	$204
Allstate	$1368	$230
Granwest P&C	$1610	$269
Sentry	$2902	$493

Key Takeaways

Way's key takeaways about car insurance in Alderwood Manor

The auto insurance costs in Alderwood Manor fall around $492 for six months.
The cheapest auto insurance company in Alderwood Manor is California Casualty.
Teen drivers pay the highest rate in Alderwood Manor at $817 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Alderwood Manor

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alderwood Manor are given below.

California Casualty provides the cheapest minimum car insurance coverage in Alderwood Manor. Their Average 6 Month Premium is $257. Grange is the most expensive at $257 for the same period.

Cheapest Liability Coverage in Alderwood Manor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$257	$43
USAA	$257	$43
Granwest P&C	$264	$44
Auto-Owners Insurance Co	$278	$47
Chubb	$328	$55
Nationwide	$342	$58
PEMCO	$342	$58
Capital Insurance Group	$364	$62
Progressive	$371	$62
American Family	$378	$65
Mutual of Enumclaw	$407	$68
State Farm	$407	$68
Travelers	$414	$70
Farmers	$485	$82
Allstate	$805	$136
Sentry	$834	$142
Encompass	$250	$42
Grange	$257	$43

Cheapest Full Coverage Car Insurance in Alderwood Manor

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alderwood Manor is Kemper at $82 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alderwood Manor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$492	$82
Nationwide	$662	$113
Auto-Owners Insurance Co	$684	$114
Chubb	$776	$132
Capital Insurance Group	$791	$132
USAA	$926	$156
Mutual of Enumclaw	$977	$163
American Family	$998	$168
State Farm	$998	$168
Progressive	$1019	$172
PEMCO	$1098	$185
Travelers	$1105	$186
Farmers	$1212	$204
Allstate	$1368	$230
Granwest P&C	$1610	$269
Sentry	$2902	$493

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Average Car Insurance in Alderwood Manor by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alderwood Manor, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Alderwood Manor, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alderwood Manor's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alderwood Manor

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$812
30s	PEMCO	$569
40s	PEMCO	$575
50s	PEMCO	$546
60s	PEMCO	$575
70s	PEMCO	$714

Cheapest Car Insurance Rates for Teen Drivers in Alderwood Manor,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Alderwood Manor at $67 per month. At $4904 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$67
Auto-Owners Insurance Co	$407	$67
Chubb	$456	$78
Travelers	$1340	$226
State Farm	$1418	$239
USAA	$1646	$277
Pemco	$2024	$341
Farmers	$2444	$412
Mutual of Enumclaw	$2473	$420
Progressive	$2701	$455
Allstate	$2808	$473
Sentry	$4904	$817

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Alderwood Manor.

As young drivers face the highest rates in Alderwood Manor, PEMCO offers the cheapest auto insurance rates at $812 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alderwood Manor, AutoOwners Insurance Co is the cheapest car insurance provider. At $278 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alderwood Manor is Sentry, offering rates of around $2902 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$278	$47
Chubb	$328	$55
American Family	$378	$65
Nationwide	$392	$65
Kemper	$427	$73
Farmers	$1112	$187
Travelers	$1183	$199
State Farm	$1404	$236
Progressive	$1411	$238
USAA	$1447	$241
Pemco	$1654	$278
Mutual of Enumclaw	$1697	$283
Allstate	$2652	$451
Sentry	$2902	$484

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Alderwood Manor.

Car Insurance Rates with An Accident in Alderwood Manor

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alderwood Manor, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alderwood Manor

The cheapest car insurance companies after an at-fault accident in Alderwood Manor include AutoOwners Insurance Co and Encompass, offering $356 and $407, respectively. Sentry is an expensive provider with an average six-month premium of $5040.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$60
Encompass	$407	$70
Chubb	$420	$71
American Family	$456	$78
Kemper	$592	$98
USAA	$635	$107
Travelers	$926	$156
State Farm	$948	$160
PEMCO	$1033	$174
Capital Insurance Group	$1055	$179
Mutual of Enumclaw	$1319	$220
Progressive	$1404	$236
Farmers	$1496	$252
Allstate	$2444	$412
Sentry	$5040	$840

Alderwood Manor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alderwood Manor WA. For example, the car insurance in Alderwood Manor after a DUI increases to $977 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

Alderwood Manor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One Med/PIP claim	$1283	$218
Not-at-fault accident	$1326	$221
Two Med/PIP claims	$1326	$226
One comp claim	$1333	$222
Two comp claims	$1390	$236
Failure to show documents	$1532	$256
Child safety restraint	$1547	$263
Driving without lights	$1561	$260
Failure to wear a seat belt	$1561	$265
Speeding 11 - 15 MPH over limit	$1561	$260
Speeding 16 - 20 MPH over limit	$1561	$265
Speeding 6 - 10 MPH over limit	$1561	$260
Driving too slowly	$1576	$268
Driving with expired registration	$1576	$263
Cell phone violation	$1583	$269
Failure to yield	$1583	$264
Improper passing	$1583	$269
Texting while driving	$1583	$264
Wrong way/wrong lane	$1583	$269
Failure to stop at a red light	$1590	$265
Following too closely	$1590	$270
Illegal turn	$1590	$265
Speeding in school zone	$1661	$282
Passing school bus	$1668	$278
At-fault accident - less than $1000	$1690	$287
Speeding 21 - 25 MPH over limit	$1690	$282
Open container	$1697	$288
In 65 MPH zone	$1760	$294
At-fault accident - $1000-$2000	$1825	$311
At-fault accident - greater than $2000	$1832	$305
Operating a vehicle without permission	$1846	$314
Refusal to submit to a chemical test	$2209	$368
Reckless driving	$2216	$377
Driving with a suspended license	$2238	$373
DUI	$2260	$384
Racing	$2338	$390
Leaving scene of an accident/hit and run	$2352	$400

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alderwood Manor after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alderwood Manor.

The cheapest car insurance premiums in Alderwood Manor are offered by Chubb at $407 for a six-month policy. However, it can be as expensive as $3821 with companies like Sentry.

Alderwood Manor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$407	$70
American Family	$449	$74
Auto-Owners Insurance Co	$514	$88
Travelers	$977	$164
Progressive	$984	$166
USAA	$1084	$182
Pemco	$1198	$202
State Farm	$1304	$220
Farmers	$1525	$257
Mutual of Enumclaw	$1704	$284
Grange	$2182	$371
Allstate	$2231	$376
Cal Casualty	$2437	$414
Sentry	$3821	$637

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alderwood Manor are offered by Chubb at $356. However, it can be as expensive as $4669 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Alderwood Manor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$356	$61
Auto-Owners Insurance Co	$371	$61
American Family	$449	$77
State Farm	$834	$140
Travelers	$1019	$172
USAA	$1120	$186
Mutual of Enumclaw	$1190	$203
Pemco	$1241	$209
Progressive	$1268	$214
Farmers	$1397	$235
Allstate	$2146	$365
Sentry	$4669	$778

Car Insurance Price Trends in Alderwood Manor, Washington

Car insurance rates in Alderwood Manor have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alderwood Manor rose by $234 in January compared to $181 of December. In other words, there has been an increase by $53 when you compare January and December.

The average cost of liability insurance in the Alderwood Manor rose to $67 in January, compared to $61 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Alderwood Manor?

The car insurance in Alderwood Manor is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Alderwood Manor?

The cheapest car insurance in Alderwood Manor is $82 per month for full coverage.

How much is car insurance in Alderwood Manor for teenagers?

Car insurance for teenagers costs $392 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alderwood Manor?

The average cost of car insurance is $917 for a six-month policy. It will cost around $185 per month to insure your car in Alderwood Manor.

Is car insurance expensive in Alderwood Manor?

Car insurance can be expensive in Alderwood Manor if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alderwood Manor can be affordable.

Cheapest Car Insurance Quotes in Alderwood Manor

Why you can trust Way?

How Much Is Car Insurance in Alderwood Manor

Avg. Car Insurance in Alderwood Manor

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Alderwood Manor

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Alderwood Manor Car Insurance Rates by Company

Cheap Car Insurance Companies in Alderwood Manor, WA

Way's key takeaways about car insurance in Alderwood Manor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Alderwood Manor

Cheapest Liability Coverage in Alderwood Manor, WA

Cheapest Full Coverage Car Insurance in Alderwood Manor

Cheapest Full Coverage Car Insurance Quotes in Alderwood Manor, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Alderwood Manor by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Alderwood Manor, WA increasing?

Car Insurance Premiums by Age in Alderwood Manor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Alderwood Manor,WA

If you are in your twenties PEMCO is the best choice for car insurance in Alderwood Manor.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Alderwood Manor

Cheapest Car Insurance Companies after an At-Fault Accident in Alderwood Manor

Alderwood Manor Car Insurance Rates by Violation

Alderwood Manor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Alderwood Manor after a DUI

Alderwood Manor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Alderwood Manor after Speeding ticket

Car Insurance Price Trends in Alderwood Manor, Washington

Average Car Insurance Cost in Alderwood Manor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Alderwood Manor, WA

Car Insurance Rates by State in the USA (2025 Update)

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