Cheapest Car Insurance Quotes in Black Diamond

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Black Diamond Car Insurance

^$ 36

/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 Black Diamond

The car insurance rate in Black Diamond is $852 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Black Diamond 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 Black Diamond

$852

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Black Diamond

1st place: Kemper

At $455 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $613 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 $633 for six months, making it the third cheapest auto insurance company in Black Diamond.

Black Diamond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Black Diamond, WA is Kemper, offering policies at just $455 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $613.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $884 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Black Diamond drivers find the best deals.

Cheap Car Insurance Companies in Black Diamond, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$75
Nationwide	$613	$104
Auto-Owners Insurance Co	$633	$105
Chubb	$718	$122
Capital Insurance Group	$731	$122
State Farm	$765	$129
USAA	$791	$133
Progressive	$850	$143
PEMCO	$870	$147
American Family	$897	$151
Travelers	$969	$163
Farmers	$1029	$173
Allstate	$1200	$202
Granwest P&C	$1490	$253
California Causality	$751	$128
Mutual of Enumclaw	$884	$150

Key Takeaways

Way's key takeaways about car insurance in Black Diamond

The auto insurance costs in Black Diamond fall around $455 for six months.
The cheapest auto insurance company in Black Diamond is USAA.
Teen drivers pay the highest rate in Black Diamond at $138 per month.

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Cheapest Minimum Liability Car Insurance in Black Diamond

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 Black Diamond are given below.

USAA provides the cheapest minimum car insurance coverage in Black Diamond. Their Average 6 Month Premium is $211. California Causality is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Black Diamond, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$211	$36
California Casualty	$238	$40
Granwest P&C	$244	$41
PEMCO	$251	$42
Auto-Owners Insurance Co	$258	$43
Chubb	$303	$51
Travelers	$310	$52
Nationwide	$316	$53
Capital Insurance Group	$336	$56
State Farm	$336	$57
Progressive	$350	$59
American Family	$395	$67
Mutual of Enumclaw	$402	$67
Farmers	$422	$71
Allstate	$713	$120
Encompass	$231	$39
Grange	$238	$40
California Causality	$264	$44

Cheapest Full Coverage Car Insurance in Black Diamond

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 Black Diamond is Kemper at $75 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Black Diamond, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$75
Nationwide	$613	$104
Auto-Owners Insurance Co	$633	$105
Chubb	$718	$122
Capital Insurance Group	$731	$122
State Farm	$765	$129
USAA	$791	$133
Progressive	$850	$143
PEMCO	$870	$147
American Family	$897	$151
Travelers	$969	$163
Farmers	$1029	$173
Allstate	$1200	$202
Granwest P&C	$1490	$253
California Causality	$751	$128
Mutual of Enumclaw	$884	$150

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Average Car Insurance in Black Diamond 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 Black Diamond, WA increasing?

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

Car Insurance Premiums by Age in Black Diamond

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	$751
30s	PEMCO	$526
40s	PEMCO	$532
50s	PEMCO	$505
60s	PEMCO	$532
70s	PEMCO	$660

Cheapest Car Insurance Rates for Teen Drivers in Black Diamond,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Black Diamond at $62 per month. At $811 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$370	$62
Auto-Owners Insurance Co	$376	$64
Chubb	$422	$70
State Farm	$857	$144
American Family	$1128	$190
Progressive	$1292	$218
USAA	$1359	$229
Pemco	$1384	$233
Farmers	$1965	$331
Allstate	$2268	$382
California Causality	$811	$138

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 Black Diamond.

As young drivers face the highest rates in Black Diamond, PEMCO offers the cheapest auto insurance rates at $751 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 Black Diamond, AutoOwners Insurance Co is the cheapest car insurance provider. At $258 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 Black Diamond is California Causality, offering rates of around $606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Chubb	$303	$51
Travelers	$310	$52
Nationwide	$363	$60
Kemper	$395	$68
American Family	$601	$101
Progressive	$699	$118
State Farm	$811	$137
Farmers	$897	$151
Pemco	$1036	$174
USAA	$1068	$182
Allstate	$2137	$356
National General	$435	$72
California Causality	$606	$103

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Car Insurance Rates with An Accident in Black Diamond

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

Cheapest Car Insurance Companies after an At-Fault Accident in Black Diamond

The cheapest car insurance companies after an at-fault accident in Black Diamond include AutoOwners Insurance Co and Encompass, offering $330 and $376, respectively. California Causality is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$56
Encompass	$376	$64
Chubb	$389	$65
Travelers	$468	$79
USAA	$501	$84
Kemper	$547	$93
State Farm	$738	$124
PEMCO	$811	$137
American Family	$884	$149
Capital Insurance Group	$976	$165
Progressive	$1167	$196
Farmers	$1260	$212
Allstate	$2031	$342
California Causality	$455	$75

Black Diamond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Black Diamond WA. For example, the car insurance in Black Diamond after a DUI increases to $903 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Black Diamond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1187	$198
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1227	$204
Two Med/PIP claims	$1227	$209
One comp claim	$1233	$205
Two comp claims	$1285	$219
Failure to show documents	$1417	$236
Child safety restraint	$1431	$243
Driving without lights	$1444	$241
Failure to wear a seat belt	$1444	$245
Speeding 11 - 15 MPH over limit	$1444	$241
Speeding 16 - 20 MPH over limit	$1444	$245
Speeding 6 - 10 MPH over limit	$1444	$241
Driving too slowly	$1457	$248
Driving with expired registration	$1457	$243
Cell phone violation	$1464	$249
Failure to yield	$1464	$244
Improper passing	$1464	$249
Texting while driving	$1464	$244
Wrong way/wrong lane	$1464	$249
Failure to stop at a red light	$1471	$245
Following too closely	$1471	$250
Illegal turn	$1471	$245
Speeding in school zone	$1536	$261
Passing school bus	$1543	$258
At-fault accident - less than $1000	$1563	$265
Speeding 21 - 25 MPH over limit	$1563	$261
Open container	$1570	$266
In 65 MPH zone	$1628	$272
At-fault accident - $1000-$2000	$1688	$287
At-fault accident - greater than $2000	$1695	$282
Operating a vehicle without permission	$1707	$291
Refusal to submit to a chemical test	$2044	$341
Reckless driving	$2050	$349
Driving with a suspended license	$2070	$345
DUI	$2090	$355
Racing	$2162	$361
Leaving scene of an accident/hit and run	$2176	$370

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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 Black Diamond 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 Black Diamond.

The cheapest car insurance premiums in Black Diamond are offered by Chubb at $376 for a six-month policy. However, it can be as expensive as $402 with companies like National General.

Black Diamond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$376	$64
Auto-Owners Insurance Co	$475	$79
Travelers	$514	$87
American Family	$738	$124
Progressive	$818	$138
Pemco	$830	$140
USAA	$910	$153
State Farm	$956	$161
Farmers	$1305	$220
Allstate	$1925	$324
Grange	$2018	$343
Cal Casualty	$2254	$376
National General	$402	$69

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 Black Diamond are offered by Chubb at $330. However, it can be as expensive as $370 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Black Diamond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$330	$56
Auto-Owners Insurance Co	$343	$59
Travelers	$422	$70
State Farm	$514	$87
American Family	$738	$124
USAA	$805	$137
Pemco	$811	$137
Progressive	$962	$162
Farmers	$1121	$189
Allstate	$1484	$252
California Causality	$370	$63

Car Insurance Price Trends in Black Diamond, Washington

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

The average cost of full coverage in the Black Diamond rose by $168 in December compared to $164 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Black Diamond rose to $57 in December, compared to $56 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Black Diamond?

The car insurance in Black Diamond is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Black Diamond?

The cheapest car insurance in Black Diamond is $75 per month for full coverage.

How much is car insurance in Black Diamond for teenagers?

Car insurance for teenagers costs $370 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 Black Diamond?

The average cost of car insurance is $768 for a six-month policy. It will cost around $143 per month to insure your car in Black Diamond.

Is car insurance expensive in Black Diamond?

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

Cheapest Car Insurance Quotes in Black Diamond

Why you can trust Way?

How Much Is Car Insurance in Black Diamond

Avg. Car Insurance in Black Diamond

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Black Diamond

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Black Diamond Car Insurance Rates by Company

Cheap Car Insurance Companies in Black Diamond, WA

Way's key takeaways about car insurance in Black Diamond

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Black Diamond

Cheapest Liability Coverage in Black Diamond, WA

Cheapest Full Coverage Car Insurance in Black Diamond

Cheapest Full Coverage Car Insurance Quotes in Black Diamond, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Black Diamond by Rating Factor

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

Car Insurance Premiums by Age in Black Diamond

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Black Diamond,WA

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

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 Black Diamond

Cheapest Car Insurance Companies after an At-Fault Accident in Black Diamond

Black Diamond Car Insurance Rates by Violation

Black Diamond auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Black Diamond after a DUI

Black Diamond car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Black Diamond after Speeding ticket

Car Insurance Price Trends in Black Diamond, Washington

Average Car Insurance Cost in Black Diamond by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Black Diamond, WA

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

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