Cheapest Car Insurance Quotes in Anacortes

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Anacortes Car Insurance

^$ 29

/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 Anacortes

The car insurance rate in Anacortes is $734 for a six-month policy, which is $183 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in Anacortes 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 Anacortes

$734

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Anacortes

1st place: Kemper

At $328 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $442 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 $456 for six months, making it the third cheapest auto insurance company in Anacortes.

Anacortes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Anacortes, WA is Kemper, offering policies at just $328 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $442.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $1934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Anacortes drivers find the best deals.

Cheap Car Insurance Companies in Anacortes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$54
Nationwide	$442	$75
Auto-Owners Insurance Co	$456	$76
Chubb	$518	$88
Capital Insurance Group	$527	$88
USAA	$618	$104
Mutual of Enumclaw	$651	$109
American Family	$666	$112
State Farm	$666	$112
Progressive	$679	$114
PEMCO	$732	$123
Travelers	$737	$124
Farmers	$808	$136
Allstate	$912	$154
Granwest P&C	$1074	$179
Sentry	$1934	$329

Key Takeaways

Way's key takeaways about car insurance in Anacortes

The auto insurance costs in Anacortes fall around $328 for six months.
The cheapest auto insurance company in Anacortes is California Casualty.
Teen drivers pay the highest rate in Anacortes at $545 per month.

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Cheapest Minimum Liability Car Insurance in Anacortes

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 Anacortes are given below.

California Casualty provides the cheapest minimum car insurance coverage in Anacortes. Their Average 6 Month Premium is $171. Grange is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Anacortes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$171	$29
USAA	$171	$29
Granwest P&C	$176	$30
Auto-Owners Insurance Co	$186	$31
Chubb	$218	$37
Nationwide	$228	$38
PEMCO	$228	$38
Capital Insurance Group	$242	$42
Progressive	$247	$42
American Family	$252	$43
Mutual of Enumclaw	$271	$46
State Farm	$271	$46
Travelers	$276	$46
Farmers	$323	$54
Allstate	$537	$90
Sentry	$556	$94
Encompass	$166	$28
Grange	$171	$29

Cheapest Full Coverage Car Insurance in Anacortes

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 Anacortes is Kemper at $54 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in Anacortes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$54
Nationwide	$442	$75
Auto-Owners Insurance Co	$456	$76
Chubb	$518	$88
Capital Insurance Group	$527	$88
USAA	$618	$104
Mutual of Enumclaw	$651	$109
American Family	$666	$112
State Farm	$666	$112
Progressive	$679	$114
PEMCO	$732	$123
Travelers	$737	$124
Farmers	$808	$136
Allstate	$912	$154
Granwest P&C	$1074	$179
Sentry	$1934	$329

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Average Car Insurance in Anacortes 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 Anacortes, WA increasing?

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

Car Insurance Premiums by Age in Anacortes

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	$542
30s	PEMCO	$379
40s	PEMCO	$383
50s	PEMCO	$364
60s	PEMCO	$383
70s	PEMCO	$476

Cheapest Car Insurance Rates for Teen Drivers in Anacortes,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Anacortes at $45 per month. At $3270 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$262	$45
Auto-Owners Insurance Co	$271	$45
Chubb	$304	$52
Travelers	$894	$150
State Farm	$946	$159
USAA	$1098	$185
Pemco	$1350	$227
Farmers	$1630	$274
Mutual of Enumclaw	$1649	$280
Progressive	$1801	$303
Allstate	$1872	$315
Sentry	$3270	$545

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 Anacortes.

As young drivers face the highest rates in Anacortes, PEMCO offers the cheapest auto insurance rates at $542 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 Anacortes, AutoOwners Insurance Co is the cheapest car insurance provider. At $186 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 Anacortes is Sentry, offering rates of around $1934 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$186	$31
Chubb	$218	$37
American Family	$252	$43
Nationwide	$262	$43
Kemper	$285	$49
Farmers	$742	$125
Travelers	$789	$133
State Farm	$936	$158
Progressive	$941	$158
USAA	$965	$161
Pemco	$1102	$186
Mutual of Enumclaw	$1131	$189
Allstate	$1768	$301
Sentry	$1934	$322

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Car Insurance Rates with An Accident in Anacortes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Anacortes

The cheapest car insurance companies after an at-fault accident in Anacortes include AutoOwners Insurance Co and Encompass, offering $238 and $271, respectively. Sentry is an expensive provider with an average six-month premium of $3360.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Encompass	$271	$46
Chubb	$280	$47
American Family	$304	$52
Kemper	$394	$66
USAA	$423	$71
Travelers	$618	$104
State Farm	$632	$106
PEMCO	$689	$116
Capital Insurance Group	$703	$119
Mutual of Enumclaw	$879	$146
Progressive	$936	$158
Farmers	$998	$168
Allstate	$1630	$274
Sentry	$3360	$560

Anacortes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Anacortes WA. For example, the car insurance in Anacortes after a DUI increases to $651 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Anacortes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$855	$142
One Med/PIP claim	$855	$146
Not-at-fault accident	$884	$147
Two Med/PIP claims	$884	$150
One comp claim	$889	$148
Two comp claims	$926	$158
Failure to show documents	$1022	$170
Child safety restraint	$1031	$175
Driving without lights	$1041	$174
Failure to wear a seat belt	$1041	$177
Speeding 11 - 15 MPH over limit	$1041	$174
Speeding 16 - 20 MPH over limit	$1041	$177
Speeding 6 - 10 MPH over limit	$1041	$174
Driving too slowly	$1050	$178
Driving with expired registration	$1050	$175
Cell phone violation	$1055	$179
Failure to yield	$1055	$176
Improper passing	$1055	$179
Texting while driving	$1055	$176
Wrong way/wrong lane	$1055	$179
Failure to stop at a red light	$1060	$177
Following too closely	$1060	$180
Illegal turn	$1060	$177
Speeding in school zone	$1107	$188
Passing school bus	$1112	$186
At-fault accident - less than $1000	$1126	$191
Speeding 21 - 25 MPH over limit	$1126	$188
Open container	$1131	$192
In 65 MPH zone	$1174	$196
At-fault accident - $1000-$2000	$1217	$207
At-fault accident - greater than $2000	$1222	$203
Operating a vehicle without permission	$1230	$210
Refusal to submit to a chemical test	$1473	$246
Reckless driving	$1478	$251
Driving with a suspended license	$1492	$249
DUI	$1506	$256
Racing	$1558	$260
Leaving scene of an accident/hit and run	$1568	$266

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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 Anacortes 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 Anacortes.

The cheapest car insurance premiums in Anacortes are offered by Chubb at $271 for a six-month policy. However, it can be as expensive as $2547 with companies like Sentry.

Anacortes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$271	$46
American Family	$299	$50
Auto-Owners Insurance Co	$342	$58
Travelers	$651	$110
Progressive	$656	$110
USAA	$722	$122
Pemco	$798	$134
State Farm	$870	$146
Farmers	$1017	$171
Mutual of Enumclaw	$1136	$190
Grange	$1454	$247
Allstate	$1487	$250
Cal Casualty	$1625	$276
Sentry	$2547	$425

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 Anacortes are offered by Chubb at $238. However, it can be as expensive as $3113 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Anacortes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$238	$41
Auto-Owners Insurance Co	$247	$41
American Family	$299	$51
State Farm	$556	$94
Travelers	$679	$114
USAA	$746	$124
Mutual of Enumclaw	$794	$135
Pemco	$827	$139
Progressive	$846	$142
Farmers	$931	$157
Allstate	$1430	$243
Sentry	$3113	$518

Car Insurance Price Trends in Anacortes, Washington

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

The average cost of full coverage in the Anacortes rose by $156 in January compared to $121 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Anacortes rose to $45 in January, compared to $41 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Anacortes?

The car insurance in Anacortes is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Anacortes?

The cheapest car insurance in Anacortes is $54 per month for full coverage.

How much is car insurance in Anacortes for teenagers?

Car insurance for teenagers costs $262 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 Anacortes?

The average cost of car insurance is $917 for a six-month policy. It will cost around $123 per month to insure your car in Anacortes.

Is car insurance expensive in Anacortes?

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

Cheapest Car Insurance Quotes in Anacortes

Why you can trust Way?

How Much Is Car Insurance in Anacortes

Avg. Car Insurance in Anacortes

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Anacortes

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Anacortes Car Insurance Rates by Company

Cheap Car Insurance Companies in Anacortes, WA

Way's key takeaways about car insurance in Anacortes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Anacortes

Cheapest Liability Coverage in Anacortes, WA

Cheapest Full Coverage Car Insurance in Anacortes

Cheapest Full Coverage Car Insurance Quotes in Anacortes, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Anacortes by Rating Factor

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

Car Insurance Premiums by Age in Anacortes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Anacortes,WA

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

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 Anacortes

Cheapest Car Insurance Companies after an At-Fault Accident in Anacortes

Anacortes Car Insurance Rates by Violation

Anacortes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Anacortes after a DUI

Anacortes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Anacortes after Speeding ticket

Car Insurance Price Trends in Anacortes, Washington

Average Car Insurance Cost in Anacortes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Anacortes, WA

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

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