Cheapest Car Insurance Quotes in Ames Lake

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Ames Lake Car Insurance

^$ 41

/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 Ames Lake

The car insurance rate in Ames Lake is $1055 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Ames Lake 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 Ames Lake

$1055

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Ames Lake

1st place: Kemper

At $471 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $635 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 $656 for six months, making it the third cheapest auto insurance company in Ames Lake.

Ames Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ames Lake, WA is Kemper, offering policies at just $471 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $635.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2781 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ames Lake drivers find the best deals.

Cheap Car Insurance Companies in Ames Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$471	$78
Nationwide	$635	$108
Auto-Owners Insurance Co	$656	$109
Chubb	$744	$126
Capital Insurance Group	$758	$126
USAA	$888	$150
Mutual of Enumclaw	$936	$156
American Family	$957	$161
State Farm	$957	$161
Progressive	$976	$164
PEMCO	$1052	$177
Travelers	$1059	$178
Farmers	$1162	$195
Allstate	$1311	$221
Granwest P&C	$1543	$258
Sentry	$2781	$473

Key Takeaways

Way's key takeaways about car insurance in Ames Lake

The auto insurance costs in Ames Lake fall around $471 for six months.
The cheapest auto insurance company in Ames Lake is California Casualty.
Teen drivers pay the highest rate in Ames Lake at $783 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Ames Lake

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 Ames Lake are given below.

California Casualty provides the cheapest minimum car insurance coverage in Ames Lake. Their Average 6 Month Premium is $246. Grange is the most expensive at $246 for the same period.

Cheapest Liability Coverage in Ames Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$246	$41
USAA	$246	$41
Granwest P&C	$253	$43
Auto-Owners Insurance Co	$267	$45
Chubb	$314	$53
Nationwide	$328	$55
PEMCO	$328	$55
Capital Insurance Group	$348	$60
Progressive	$355	$60
American Family	$362	$62
Mutual of Enumclaw	$390	$66
State Farm	$390	$66
Travelers	$397	$67
Farmers	$465	$78
Allstate	$772	$130
Sentry	$799	$136
Encompass	$239	$40
Grange	$246	$41

Cheapest Full Coverage Car Insurance in Ames Lake

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 Ames Lake is Kemper at $78 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ames Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$471	$78
Nationwide	$635	$108
Auto-Owners Insurance Co	$656	$109
Chubb	$744	$126
Capital Insurance Group	$758	$126
USAA	$888	$150
Mutual of Enumclaw	$936	$156
American Family	$957	$161
State Farm	$957	$161
Progressive	$976	$164
PEMCO	$1052	$177
Travelers	$1059	$178
Farmers	$1162	$195
Allstate	$1311	$221
Granwest P&C	$1543	$258
Sentry	$2781	$473

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Average Car Insurance in Ames Lake 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 Ames Lake, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Ames Lake, 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, Ames Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ames Lake

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	$779
30s	PEMCO	$545
40s	PEMCO	$551
50s	PEMCO	$523
60s	PEMCO	$551
70s	PEMCO	$684

Cheapest Car Insurance Rates for Teen Drivers in Ames Lake,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Ames Lake at $64 per month. At $4700 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$376	$64
Auto-Owners Insurance Co	$390	$64
Chubb	$437	$75
Travelers	$1285	$216
State Farm	$1359	$229
USAA	$1578	$266
Pemco	$1940	$327
Farmers	$2343	$394
Mutual of Enumclaw	$2370	$402
Progressive	$2589	$436
Allstate	$2691	$453
Sentry	$4700	$783

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 Ames Lake.

As young drivers face the highest rates in Ames Lake, PEMCO offers the cheapest auto insurance rates at $779 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 Ames Lake, AutoOwners Insurance Co is the cheapest car insurance provider. At $267 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 Ames Lake is Sentry, offering rates of around $2781 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$45
Chubb	$314	$53
American Family	$362	$62
Nationwide	$376	$62
Kemper	$409	$70
Farmers	$1066	$179
Travelers	$1134	$191
State Farm	$1346	$227
Progressive	$1352	$228
USAA	$1387	$231
Pemco	$1585	$267
Mutual of Enumclaw	$1626	$271
Allstate	$2542	$432
Sentry	$2781	$463

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Ames Lake.

Car Insurance Rates with An Accident in Ames Lake

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 Ames Lake, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ames Lake

The cheapest car insurance companies after an at-fault accident in Ames Lake include AutoOwners Insurance Co and Encompass, offering $342 and $390, respectively. Sentry is an expensive provider with an average six-month premium of $4830.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
Encompass	$390	$67
Chubb	$402	$68
American Family	$437	$75
Kemper	$567	$94
USAA	$608	$102
Travelers	$888	$150
State Farm	$908	$153
PEMCO	$990	$167
Capital Insurance Group	$1011	$171
Mutual of Enumclaw	$1264	$210
Progressive	$1346	$227
Farmers	$1434	$241
Allstate	$2343	$394
Sentry	$4830	$805

Ames Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ames Lake WA. For example, the car insurance in Ames Lake after a DUI increases to $936 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Ames Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1229	$205
One Med/PIP claim	$1229	$209
Not-at-fault accident	$1271	$212
Two Med/PIP claims	$1271	$216
One comp claim	$1278	$213
Two comp claims	$1332	$227
Failure to show documents	$1469	$245
Child safety restraint	$1482	$252
Driving without lights	$1496	$250
Failure to wear a seat belt	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Driving too slowly	$1510	$256
Driving with expired registration	$1510	$252
Cell phone violation	$1517	$258
Failure to yield	$1517	$253
Improper passing	$1517	$258
Texting while driving	$1517	$253
Wrong way/wrong lane	$1517	$258
Failure to stop at a red light	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Speeding in school zone	$1592	$270
Passing school bus	$1598	$267
At-fault accident - less than $1000	$1619	$275
Speeding 21 - 25 MPH over limit	$1619	$270
Open container	$1626	$276
In 65 MPH zone	$1687	$282
At-fault accident - $1000-$2000	$1749	$298
At-fault accident - greater than $2000	$1756	$292
Operating a vehicle without permission	$1769	$301
Refusal to submit to a chemical test	$2117	$353
Reckless driving	$2124	$361
Driving with a suspended license	$2145	$358
DUI	$2165	$368
Racing	$2240	$374
Leaving scene of an accident/hit and run	$2254	$383

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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 Ames Lake 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 Ames Lake.

The cheapest car insurance premiums in Ames Lake are offered by Chubb at $390 for a six-month policy. However, it can be as expensive as $3662 with companies like Sentry.

Ames Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$390	$67
American Family	$430	$71
Auto-Owners Insurance Co	$492	$84
Travelers	$936	$158
Progressive	$943	$159
USAA	$1038	$175
Pemco	$1148	$193
State Farm	$1250	$210
Farmers	$1462	$246
Mutual of Enumclaw	$1633	$273
Grange	$2091	$355
Allstate	$2138	$360
Cal Casualty	$2336	$397
Sentry	$3662	$611

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 Ames Lake are offered by Chubb at $342. However, it can be as expensive as $4475 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Ames Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$342	$59
Auto-Owners Insurance Co	$355	$59
American Family	$430	$74
State Farm	$799	$135
Travelers	$976	$164
USAA	$1073	$178
Mutual of Enumclaw	$1141	$194
Pemco	$1189	$200
Progressive	$1216	$205
Farmers	$1339	$225
Allstate	$2056	$350
Sentry	$4475	$745

Car Insurance Price Trends in Ames Lake, Washington

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

The average cost of full coverage in the Ames Lake rose by $224 in January compared to $174 of December. In other words, there has been an increase by $50 when you compare January and December.

The average cost of liability insurance in the Ames Lake rose to $64 in January, compared to $59 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ames Lake?

The car insurance in Ames Lake is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Ames Lake?

The cheapest car insurance in Ames Lake is $78 per month for full coverage.

How much is car insurance in Ames Lake for teenagers?

Car insurance for teenagers costs $376 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 Ames Lake?

The average cost of car insurance is $917 for a six-month policy. It will cost around $177 per month to insure your car in Ames Lake.

Is car insurance expensive in Ames Lake?

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

Cheapest Car Insurance Quotes in Ames Lake

Why you can trust Way?

How Much Is Car Insurance in Ames Lake

Avg. Car Insurance in Ames Lake

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Ames Lake

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Ames Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Ames Lake, WA

Way's key takeaways about car insurance in Ames Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ames Lake

Cheapest Liability Coverage in Ames Lake, WA

Cheapest Full Coverage Car Insurance in Ames Lake

Cheapest Full Coverage Car Insurance Quotes in Ames Lake, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ames Lake by Rating Factor

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

Car Insurance Premiums by Age in Ames Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ames Lake,WA

If you are in your twenties PEMCO is the best choice for car insurance in Ames Lake.

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 Ames Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Ames Lake

Ames Lake Car Insurance Rates by Violation

Ames Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ames Lake after a DUI

Ames Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ames Lake after Speeding ticket

Car Insurance Price Trends in Ames Lake, Washington

Average Car Insurance Cost in Ames Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ames Lake, WA

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

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