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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.
The car insurance rate in Allyn is $783 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $418, making it a popular choice for budget-conscious drivers. Rates in Allyn 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.
At $418 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $563 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $581 for six months, making it the third cheapest auto insurance company in Allyn.
Based on our research, the cheapest car insurance company in Allyn, WA is Kemper, offering policies at just $418 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $563.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $812 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allyn drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $418 | $69 |
| Nationwide | $563 | $96 |
| Auto-Owners Insurance Co | $581 | $97 |
| Chubb | $660 | $112 |
| Capital Insurance Group | $672 | $112 |
| State Farm | $703 | $118 |
| USAA | $727 | $122 |
| Progressive | $781 | $132 |
| PEMCO | $800 | $135 |
| American Family | $824 | $139 |
| Travelers | $890 | $150 |
| Farmers | $946 | $159 |
| Allstate | $1103 | $186 |
| Granwest P&C | $1369 | $233 |
| California Causality | $691 | $117 |
| Mutual of Enumclaw | $812 | $138 |
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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 Allyn are given below.
USAA provides the cheapest minimum car insurance coverage in Allyn. Their Average 6 Month Premium is $194. California Causality is the most expensive at $243 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $194 | $33 |
| California Casualty | $218 | $37 |
| Granwest P&C | $224 | $38 |
| PEMCO | $231 | $39 |
| Auto-Owners Insurance Co | $237 | $40 |
| Chubb | $278 | $47 |
| Travelers | $285 | $48 |
| Nationwide | $291 | $49 |
| Capital Insurance Group | $309 | $51 |
| State Farm | $309 | $52 |
| Progressive | $321 | $54 |
| American Family | $363 | $61 |
| Mutual of Enumclaw | $369 | $61 |
| Farmers | $388 | $65 |
| Allstate | $655 | $110 |
| Encompass | $212 | $36 |
| Grange | $218 | $37 |
| California Causality | $243 | $41 |
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 Allyn is Kemper at $69 per month and $418 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $418 | $69 |
| Nationwide | $563 | $96 |
| Auto-Owners Insurance Co | $581 | $97 |
| Chubb | $660 | $112 |
| Capital Insurance Group | $672 | $112 |
| State Farm | $703 | $118 |
| USAA | $727 | $122 |
| Progressive | $781 | $132 |
| PEMCO | $800 | $135 |
| American Family | $824 | $139 |
| Travelers | $890 | $150 |
| Farmers | $946 | $159 |
| Allstate | $1103 | $186 |
| Granwest P&C | $1369 | $233 |
| California Causality | $691 | $117 |
| Mutual of Enumclaw | $812 | $138 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Allyn, 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, Allyn's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | PEMCO | $691 |
| 30s | PEMCO | $483 |
| 40s | PEMCO | $489 |
| 50s | PEMCO | $464 |
| 60s | PEMCO | $489 |
| 70s | PEMCO | $607 |
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Allyn at $57 per month. At $746 for a six-month premium, California Causality offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $340 | $57 |
| Auto-Owners Insurance Co | $346 | $59 |
| Chubb | $388 | $64 |
| State Farm | $787 | $133 |
| American Family | $1036 | $174 |
| Progressive | $1187 | $200 |
| USAA | $1248 | $210 |
| Pemco | $1272 | $214 |
| Farmers | $1805 | $304 |
| Allstate | $2084 | $351 |
| California Causality | $746 | $126 |
Teen Car Insurance Rates in WA by Age
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.
For those with poor credit scores in Allyn, AutoOwners Insurance Co is the cheapest car insurance provider. At $237 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 Allyn is California Causality, offering rates of around $557 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $237 | $40 |
| Chubb | $278 | $47 |
| Travelers | $285 | $48 |
| Nationwide | $334 | $55 |
| Kemper | $363 | $62 |
| American Family | $552 | $93 |
| Progressive | $643 | $108 |
| State Farm | $746 | $125 |
| Farmers | $824 | $139 |
| Pemco | $952 | $160 |
| USAA | $981 | $167 |
| Allstate | $1964 | $327 |
| National General | $400 | $66 |
| California Causality | $557 | $95 |
Save up to $971/yr on car insurance rates in Allyn.
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 Allyn, WA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Allyn include AutoOwners Insurance Co and Encompass, offering $303 and $346, respectively. California Causality is an expensive provider with an average six-month premium of $418.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $303 | $51 |
| Encompass | $346 | $59 |
| Chubb | $357 | $60 |
| Travelers | $430 | $72 |
| USAA | $460 | $78 |
| Kemper | $503 | $86 |
| State Farm | $678 | $114 |
| PEMCO | $746 | $125 |
| American Family | $812 | $137 |
| Capital Insurance Group | $897 | $152 |
| Progressive | $1072 | $181 |
| Farmers | $1158 | $195 |
| Allstate | $1867 | $314 |
| California Causality | $418 | $69 |
Here is a list of driving violations that can increase your car insurance rates in Allyn WA. For example, the car insurance in Allyn after a DUI increases to $831 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1090 | $182 |
| One Med/PIP claim | $1090 | $186 |
| Not-at-fault accident | $1127 | $188 |
| Two Med/PIP claims | $1127 | $192 |
| One comp claim | $1133 | $189 |
| Two comp claims | $1181 | $201 |
| Failure to show documents | $1303 | $217 |
| Child safety restraint | $1315 | $223 |
| Driving without lights | $1327 | $221 |
| Failure to wear a seat belt | $1327 | $225 |
| Speeding 11 - 15 MPH over limit | $1327 | $221 |
| Speeding 16 - 20 MPH over limit | $1327 | $225 |
| Speeding 6 - 10 MPH over limit | $1327 | $221 |
| Driving too slowly | $1339 | $227 |
| Driving with expired registration | $1339 | $223 |
| Cell phone violation | $1345 | $228 |
| Failure to yield | $1345 | $224 |
| Improper passing | $1345 | $228 |
| Texting while driving | $1345 | $224 |
| Wrong way/wrong lane | $1345 | $228 |
| Failure to stop at a red light | $1352 | $225 |
| Following too closely | $1352 | $230 |
| Illegal turn | $1352 | $225 |
| Speeding in school zone | $1412 | $240 |
| Passing school bus | $1418 | $237 |
| At-fault accident - less than $1000 | $1436 | $244 |
| Speeding 21 - 25 MPH over limit | $1436 | $240 |
| Open container | $1442 | $245 |
| In 65 MPH zone | $1496 | $250 |
| At-fault accident - $1000-$2000 | $1551 | $264 |
| At-fault accident - greater than $2000 | $1558 | $259 |
| Operating a vehicle without permission | $1569 | $267 |
| Refusal to submit to a chemical test | $1878 | $313 |
| Reckless driving | $1884 | $320 |
| Driving with a suspended license | $1902 | $317 |
| DUI | $1921 | $326 |
| Racing | $1987 | $332 |
| Leaving scene of an accident/hit and run | $1999 | $340 |
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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.
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 Allyn.
The cheapest car insurance premiums in Allyn are offered by Chubb at $346 for a six-month policy. However, it can be as expensive as $369 with companies like National General.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $346 | $59 |
| Auto-Owners Insurance Co | $437 | $72 |
| Travelers | $472 | $80 |
| American Family | $678 | $114 |
| Progressive | $752 | $126 |
| Pemco | $763 | $129 |
| USAA | $836 | $141 |
| State Farm | $878 | $148 |
| Farmers | $1200 | $202 |
| Allstate | $1769 | $298 |
| Grange | $1854 | $315 |
| Cal Casualty | $2072 | $346 |
| National General | $369 | $63 |
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 Allyn are offered by Chubb at $303. However, it can be as expensive as $340 with companies like California Causality for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $303 | $51 |
| Auto-Owners Insurance Co | $315 | $54 |
| Travelers | $388 | $64 |
| State Farm | $472 | $80 |
| American Family | $678 | $114 |
| USAA | $740 | $125 |
| Pemco | $746 | $125 |
| Progressive | $884 | $149 |
| Farmers | $1030 | $173 |
| Allstate | $1364 | $232 |
| California Causality | $340 | $58 |
Car insurance rates in Allyn have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Allyn rose by $154 in December compared to $151 of November. In other words, there has been an increase by $3 when you compare December and November.
The average cost of liability insurance in the Allyn rose to $52 in December, compared to $51 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Allyn?
The car insurance in Allyn is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Allyn?
The cheapest car insurance in Allyn is $69 per month for full coverage.
How much is car insurance in Allyn for teenagers?
Car insurance for teenagers costs $340 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 Allyn?
The average cost of car insurance is $768 for a six-month policy. It will cost around $132 per month to insure your car in Allyn.
Is car insurance expensive in Allyn?
Car insurance can be expensive in Allyn if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Allyn can be affordable.
What is the best car insurance in Allyn, WA?
The best car insurance company in Allyn WA is Kemper, offering $418 for a six-month policy.
Cut auto insurance costs in Allyn right now.