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Ariel Car Insurance
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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 the Ariel is $718, which is $7 lower than the state average. Kemper offers the cheapest insurance rates in the city at $406 for a six-month policy.
$718
$725
$1146
At $406 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $546 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $564 for six months, making it the third cheapest auto insurance company in Ariel.
Based on our research, the cheapest car insurance companies in Ariel WA include Kemper, offering $406 for a six-month policy. This is followed by Nationwide, with an average six-month premium of $546. Allstate is the most expensive, at $1082.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $406 | $67 |
| Nationwide | $546 | $93 |
| Auto-Owners Insurance Co | $564 | $94 |
| USAA | $588 | $99 |
| Chubb | $641 | $107 |
| Capital Insurance Group | $652 | $111 |
| State Farm | $706 | $119 |
| Progressive | $736 | $124 |
| American Family | $741 | $125 |
| Travelers | $764 | $129 |
| Mutual of Enumclaw | $788 | $132 |
| PEMCO | $806 | $136 |
| Pemco | $806 | $136 |
| Farmers | $946 | $159 |
| Allstate | $1082 | $182 |
Save up to $971/yr with our auto insurance quotes
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 Ariel are given below.
USAA provides the cheapest minimum car insurance coverage in Ariel. Their Average 6 Month Premium is $158. Allstate is the most expensive at $624 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $158 | $27 |
| Encompass | $206 | $35 |
| Grange | $212 | $36 |
| PEMCO | $218 | $37 |
| Pemco | $224 | $38 |
| Auto-Owners Insurance Co | $230 | $39 |
| Chubb | $270 | $46 |
| Nationwide | $282 | $48 |
| State Farm | $282 | $48 |
| Travelers | $282 | $48 |
| Progressive | $294 | $50 |
| Capital Insurance Group | $300 | $50 |
| American Family | $352 | $59 |
| Farmers | $370 | $62 |
| Allstate | $624 | $105 |
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 Ariel is Kemper at $67 per month and $406 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $406 | $67 |
| Nationwide | $546 | $93 |
| Auto-Owners Insurance Co | $564 | $94 |
| USAA | $588 | $99 |
| Chubb | $641 | $107 |
| Capital Insurance Group | $652 | $111 |
| State Farm | $706 | $119 |
| Progressive | $736 | $124 |
| American Family | $741 | $125 |
| Travelers | $764 | $129 |
| Mutual of Enumclaw | $788 | $132 |
| PEMCO | $806 | $136 |
| Pemco | $806 | $136 |
| Farmers | $946 | $159 |
| Allstate | $1082 | $182 |
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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 Ariel, 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, Ariel'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 | $670 |
| 30s | PEMCO | $469 |
| 40s | PEMCO | $474 |
| 50s | PEMCO | $450 |
| 60s | PEMCO | $474 |
| 70s | PEMCO | $589 |
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ariel at $53 per month. At $2023 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $318 | $53 |
| Auto-Owners Insurance Co | $336 | $55 |
| Chubb | $376 | $64 |
| State Farm | $976 | $164 |
| American Family | $1006 | $169 |
| Progressive | $1158 | $195 |
| USAA | $1206 | $203 |
| PEMCO | $1229 | $207 |
| Pemco | $1670 | $281 |
| Farmers | $1723 | $290 |
| Allstate | $2023 | $341 |
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 Ariel, AutoOwners Insurance Co is the cheapest car insurance provider. At $230 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 Ariel is Allstate, offering rates of around $1906 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $230 | $39 |
| Chubb | $270 | $46 |
| Travelers | $276 | $47 |
| Nationwide | $324 | $53 |
| Kemper | $352 | $60 |
| American Family | $536 | $90 |
| Progressive | $624 | $105 |
| State Farm | $724 | $122 |
| Farmers | $800 | $135 |
| PEMCO | $924 | $155 |
| Pemco | $924 | $155 |
| USAA | $952 | $162 |
| Allstate | $1906 | $318 |
Save up to $971/yr on car insurance rates in Ariel.
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 Ariel, WA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Ariel include Encompass and AutoOwners Insurance Co, offering $258 and $294, respectively. Allstate is an expensive provider with an average six-month premium of $1812.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $258 | $44 |
| Auto-Owners Insurance Co | $294 | $50 |
| Chubb | $336 | $55 |
| Travelers | $400 | $67 |
| USAA | $442 | $74 |
| Kemper | $488 | $83 |
| State Farm | $600 | $101 |
| PEMCO | $718 | $121 |
| American Family | $788 | $133 |
| Capital Insurance Group | $870 | $148 |
| Pemco | $970 | $163 |
| Progressive | $1052 | $177 |
| Farmers | $1124 | $189 |
| Allstate | $1812 | $305 |
Here is a list of driving violations that can increase your car insurance rates in Ariel WA. For example, the car insurance in Ariel after a DUI increases to $806 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1058 | $176 |
| One Med/PIP claim | $1058 | $180 |
| Not-at-fault accident | $1094 | $182 |
| Two Med/PIP claims | $1094 | $186 |
| One comp claim | $1100 | $183 |
| Two comp claims | $1146 | $195 |
| Failure to show documents | $1264 | $211 |
| Child safety restraint | $1276 | $217 |
| Driving without lights | $1288 | $215 |
| Failure to wear a seat belt | $1288 | $219 |
| Speeding 11 - 15 MPH over limit | $1288 | $215 |
| Speeding 16 - 20 MPH over limit | $1288 | $219 |
| Speeding 6 - 10 MPH over limit | $1288 | $215 |
| Driving too slowly | $1300 | $221 |
| Driving with expired registration | $1300 | $217 |
| Cell phone violation | $1306 | $222 |
| Failure to yield | $1306 | $218 |
| Improper passing | $1306 | $222 |
| Texting while driving | $1306 | $218 |
| Wrong way/wrong lane | $1306 | $222 |
| Failure to stop at a red light | $1312 | $219 |
| Following too closely | $1312 | $223 |
| Illegal turn | $1312 | $219 |
| Speeding in school zone | $1370 | $233 |
| Passing school bus | $1376 | $230 |
| At-fault accident - less than $1000 | $1394 | $237 |
| Speeding 21 - 25 MPH over limit | $1394 | $233 |
| Open container | $1400 | $238 |
| In 65 MPH zone | $1452 | $243 |
| At-fault accident - $1000-$2000 | $1506 | $256 |
| At-fault accident - greater than $2000 | $1512 | $251 |
| Operating a vehicle without permission | $1523 | $259 |
| Refusal to submit to a chemical test | $1823 | $304 |
| Reckless driving | $1829 | $311 |
| Driving with a suspended license | $1846 | $308 |
| DUI | $1864 | $317 |
| Racing | $1929 | $322 |
| Leaving scene of an accident/hit and run | $1940 | $330 |
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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 Ariel.
The cheapest car insurance premiums in Ariel are offered by Chubb at $336 for a six-month policy. However, it can be as expensive as $2011 with companies like Cal Casualty.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $336 | $57 |
| Auto-Owners Insurance Co | $424 | $70 |
| Travelers | $446 | $75 |
| American Family | $658 | $111 |
| PEMCO | $736 | $124 |
| Progressive | $736 | $124 |
| USAA | $800 | $135 |
| State Farm | $858 | $145 |
| Pemco | $876 | $148 |
| Farmers | $1164 | $196 |
| Allstate | $1717 | $289 |
| Grange | $1800 | $306 |
| Cal Casualty | $2011 | $336 |
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 Ariel are offered by Chubb at $294. However, it can be as expensive as $1324 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $294 | $50 |
| Auto-Owners Insurance Co | $306 | $50 |
| Travelers | $376 | $64 |
| State Farm | $458 | $77 |
| American Family | $658 | $111 |
| USAA | $718 | $120 |
| PEMCO | $724 | $122 |
| Pemco | $724 | $122 |
| Progressive | $858 | $145 |
| Farmers | $1000 | $168 |
| Allstate | $1324 | $221 |
Car insurance rates in Ariel have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ariel remained steady at $148 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Ariel remained steady at $50 in both August and July, indicating no change over the two month period.
How much is car insurance in Ariel?
The car insurance in Ariel is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Ariel?
The cheapest car insurance in Ariel is $67 per month for full coverage.
How much is car insurance in Ariel for teenagers?
Car insurance for teenagers costs $318 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 Ariel?
The average cost of car insurance is $725 for a six-month policy. It will cost around $121 per month to insure your car in Ariel.
Is car insurance expensive in Ariel?
Car insurance can be expensive in Ariel if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ariel can be affordable.
What is the best car insurance in Ariel, WA?
The best car insurance company in Ariel WA is Kemper, offering $406 for a six-month policy.
Cut auto insurance costs in Ariel right now.