Cheapest Car Insurance Quotes in Browns Point

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Browns Point 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 Browns Point

The car insurance rate in Browns Point is $991 for a six-month policy, which is $223 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $529, making it a popular choice for budget-conscious drivers. Rates in Browns Point 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 Browns Point

$991

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Browns Point

1st place: Kemper

At $529 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $712 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 $735 for six months, making it the third cheapest auto insurance company in Browns Point.

Browns Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Browns Point, WA is Kemper, offering policies at just $529 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $712.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $1027 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Browns Point drivers find the best deals.

Cheap Car Insurance Companies in Browns Point, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$529	$88
Nationwide	$712	$121
Auto-Owners Insurance Co	$735	$123
Chubb	$835	$142
Capital Insurance Group	$850	$142
State Farm	$889	$150
USAA	$920	$155
Progressive	$988	$166
PEMCO	$1011	$170
American Family	$1042	$175
Travelers	$1126	$190
Farmers	$1196	$201
Allstate	$1394	$235
Granwest P&C	$1731	$294
California Causality	$873	$148
Mutual of Enumclaw	$1027	$174

Key Takeaways

Way's key takeaways about car insurance in Browns Point

The auto insurance costs in Browns Point fall around $529 for six months.
The cheapest auto insurance company in Browns Point is USAA.
Teen drivers pay the highest rate in Browns Point at $160 per month.

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Cheapest Minimum Liability Car Insurance in Browns Point

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 Browns Point are given below.

USAA provides the cheapest minimum car insurance coverage in Browns Point. Their Average 6 Month Premium is $245. California Causality is the most expensive at $307 for the same period.

Cheapest Liability Coverage in Browns Point, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$245	$41
California Casualty	$276	$46
Granwest P&C	$284	$48
PEMCO	$292	$49
Auto-Owners Insurance Co	$299	$50
Chubb	$352	$59
Travelers	$360	$61
Nationwide	$368	$62
Capital Insurance Group	$391	$65
State Farm	$391	$66
Progressive	$406	$68
American Family	$459	$77
Mutual of Enumclaw	$467	$77
Farmers	$490	$83
Allstate	$828	$139
Encompass	$268	$45
Grange	$276	$46
California Causality	$307	$52

Cheapest Full Coverage Car Insurance in Browns Point

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 Browns Point is Kemper at $88 per month and $529 for six months.

Cheapest Full Coverage Car Insurance Quotes in Browns Point, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$529	$88
Nationwide	$712	$121
Auto-Owners Insurance Co	$735	$123
Chubb	$835	$142
Capital Insurance Group	$850	$142
State Farm	$889	$150
USAA	$920	$155
Progressive	$988	$166
PEMCO	$1011	$170
American Family	$1042	$175
Travelers	$1126	$190
Farmers	$1196	$201
Allstate	$1394	$235
Granwest P&C	$1731	$294
California Causality	$873	$148
Mutual of Enumclaw	$1027	$174

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Average Car Insurance in Browns Point 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 Browns Point, WA increasing?

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

Car Insurance Premiums by Age in Browns Point

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	$873
30s	PEMCO	$611
40s	PEMCO	$618
50s	PEMCO	$587
60s	PEMCO	$618
70s	PEMCO	$768

Cheapest Car Insurance Rates for Teen Drivers in Browns Point,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Browns Point at $72 per month. At $943 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$430	$72
Auto-Owners Insurance Co	$437	$75
Chubb	$490	$81
State Farm	$996	$168
American Family	$1311	$221
Progressive	$1502	$253
USAA	$1579	$266
Pemco	$1609	$271
Farmers	$2283	$384
Allstate	$2635	$444
California Causality	$943	$160

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 Browns Point.

As young drivers face the highest rates in Browns Point, PEMCO offers the cheapest auto insurance rates at $873 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 Browns Point, AutoOwners Insurance Co is the cheapest car insurance provider. At $299 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 Browns Point is California Causality, offering rates of around $704 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$299	$50
Chubb	$352	$59
Travelers	$360	$61
Nationwide	$422	$70
Kemper	$459	$79
American Family	$698	$117
Progressive	$813	$137
State Farm	$943	$159
Farmers	$1042	$175
Pemco	$1204	$203
USAA	$1241	$212
Allstate	$2483	$414
National General	$506	$84
California Causality	$704	$120

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Save up to $971/yr on car insurance rates in Browns Point.

Car Insurance Rates with An Accident in Browns Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in Browns Point

The cheapest car insurance companies after an at-fault accident in Browns Point include AutoOwners Insurance Co and Encompass, offering $383 and $437, respectively. California Causality is an expensive provider with an average six-month premium of $529.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$383	$65
Encompass	$437	$75
Chubb	$452	$76
Travelers	$544	$92
USAA	$582	$98
Kemper	$636	$108
State Farm	$858	$144
PEMCO	$943	$159
American Family	$1027	$173
Capital Insurance Group	$1134	$192
Progressive	$1356	$228
Farmers	$1464	$246
Allstate	$2361	$397
California Causality	$529	$88

Browns Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Browns Point WA. For example, the car insurance in Browns Point after a DUI increases to $1050 for a six month policy. While the rate increases by $299 for a six-month policy in the case of a speeding ticket.

Browns Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1379	$230
One Med/PIP claim	$1379	$235
Not-at-fault accident	$1425	$237
Two Med/PIP claims	$1425	$243
One comp claim	$1433	$239
Two comp claims	$1494	$254
Failure to show documents	$1647	$275
Child safety restraint	$1663	$283
Driving without lights	$1678	$280
Failure to wear a seat belt	$1678	$285
Speeding 11 - 15 MPH over limit	$1678	$280
Speeding 16 - 20 MPH over limit	$1678	$285
Speeding 6 - 10 MPH over limit	$1678	$280
Driving too slowly	$1694	$288
Driving with expired registration	$1694	$283
Cell phone violation	$1702	$289
Failure to yield	$1702	$284
Improper passing	$1702	$289
Texting while driving	$1702	$284
Wrong way/wrong lane	$1702	$289
Failure to stop at a red light	$1709	$285
Following too closely	$1709	$290
Illegal turn	$1709	$285
Speeding in school zone	$1785	$303
Passing school bus	$1793	$299
At-fault accident - less than $1000	$1816	$308
Speeding 21 - 25 MPH over limit	$1816	$303
Open container	$1824	$310
In 65 MPH zone	$1892	$316
At-fault accident - $1000-$2000	$1962	$334
At-fault accident - greater than $2000	$1970	$328
Operating a vehicle without permission	$1984	$338
Refusal to submit to a chemical test	$2375	$396
Reckless driving	$2383	$405
Driving with a suspended license	$2406	$401
DUI	$2429	$413
Racing	$2513	$419
Leaving scene of an accident/hit and run	$2528	$430

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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 Browns Point 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 Browns Point.

The cheapest car insurance premiums in Browns Point are offered by Chubb at $437 for a six-month policy. However, it can be as expensive as $467 with companies like National General.

Browns Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$437	$75
Auto-Owners Insurance Co	$552	$92
Travelers	$597	$101
American Family	$858	$144
Progressive	$951	$160
Pemco	$965	$163
USAA	$1058	$178
State Farm	$1111	$187
Farmers	$1517	$255
Allstate	$2237	$377
Grange	$2345	$399
Cal Casualty	$2620	$437
National General	$467	$80

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 Browns Point are offered by Chubb at $383. However, it can be as expensive as $430 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Browns Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$383	$65
Auto-Owners Insurance Co	$399	$68
Travelers	$490	$81
State Farm	$597	$101
American Family	$858	$144
USAA	$935	$159
Pemco	$943	$159
Progressive	$1118	$188
Farmers	$1303	$219
Allstate	$1725	$293
California Causality	$430	$74

Car Insurance Price Trends in Browns Point, Washington

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

The average cost of full coverage in the Browns Point rose by $195 in December compared to $191 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 Browns Point rose to $66 in December, compared to $65 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 Browns Point?

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

What is the cheapest car insurance in Browns Point?

The cheapest car insurance in Browns Point is $88 per month for full coverage.

How much is car insurance in Browns Point for teenagers?

Car insurance for teenagers costs $430 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 Browns Point?

The average cost of car insurance is $768 for a six-month policy. It will cost around $166 per month to insure your car in Browns Point.

Is car insurance expensive in Browns Point?

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

Cheapest Car Insurance Quotes in Browns Point

Why you can trust Way?

How Much Is Car Insurance in Browns Point

Avg. Car Insurance in Browns Point

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Browns Point

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Browns Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Browns Point, WA

Way's key takeaways about car insurance in Browns Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Browns Point

Cheapest Liability Coverage in Browns Point, WA

Cheapest Full Coverage Car Insurance in Browns Point

Cheapest Full Coverage Car Insurance Quotes in Browns Point, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Browns Point by Rating Factor

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

Car Insurance Premiums by Age in Browns Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Browns Point,WA

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

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 Browns Point

Cheapest Car Insurance Companies after an At-Fault Accident in Browns Point

Browns Point Car Insurance Rates by Violation

Browns Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Browns Point after a DUI

Browns Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Browns Point after Speeding ticket

Car Insurance Price Trends in Browns Point, Washington

Average Car Insurance Cost in Browns Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Browns Point, WA

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

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