Cheapest Car Insurance Quotes in Carlsborg

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Carlsborg Car Insurance

^$ 27

/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 Carlsborg

The car insurance rate in Carlsborg is $653 for a six-month policy, which is $115 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Carlsborg 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 Carlsborg

$653

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Carlsborg

1st place: Kemper

At $349 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $469 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 $485 for six months, making it the third cheapest auto insurance company in Carlsborg.

Carlsborg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carlsborg, WA is Kemper, offering policies at just $349 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $469.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $677 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carlsborg drivers find the best deals.

Cheap Car Insurance Companies in Carlsborg, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$58
Nationwide	$469	$80
Auto-Owners Insurance Co	$485	$81
Chubb	$550	$94
Capital Insurance Group	$560	$94
State Farm	$586	$99
USAA	$606	$102
Progressive	$651	$110
PEMCO	$666	$112
American Family	$687	$116
Travelers	$742	$125
Farmers	$788	$133
Allstate	$919	$155
Granwest P&C	$1141	$194
California Causality	$575	$98
Mutual of Enumclaw	$677	$115

Key Takeaways

Way's key takeaways about car insurance in Carlsborg

The auto insurance costs in Carlsborg fall around $349 for six months.
The cheapest auto insurance company in Carlsborg is USAA.
Teen drivers pay the highest rate in Carlsborg at $105 per month.

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Cheapest Minimum Liability Car Insurance in Carlsborg

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 Carlsborg are given below.

USAA provides the cheapest minimum car insurance coverage in Carlsborg. Their Average 6 Month Premium is $162. California Causality is the most expensive at $202 for the same period.

Cheapest Liability Coverage in Carlsborg, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
California Casualty	$182	$31
Granwest P&C	$187	$31
PEMCO	$192	$32
Auto-Owners Insurance Co	$197	$33
Chubb	$232	$39
Travelers	$237	$40
Nationwide	$242	$41
Capital Insurance Group	$258	$43
State Farm	$258	$43
Progressive	$268	$45
American Family	$303	$51
Mutual of Enumclaw	$308	$51
Farmers	$323	$54
Allstate	$546	$92
Encompass	$177	$30
Grange	$182	$31
California Causality	$202	$34

Cheapest Full Coverage Car Insurance in Carlsborg

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 Carlsborg is Kemper at $58 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carlsborg, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$58
Nationwide	$469	$80
Auto-Owners Insurance Co	$485	$81
Chubb	$550	$94
Capital Insurance Group	$560	$94
State Farm	$586	$99
USAA	$606	$102
Progressive	$651	$110
PEMCO	$666	$112
American Family	$687	$116
Travelers	$742	$125
Farmers	$788	$133
Allstate	$919	$155
Granwest P&C	$1141	$194
California Causality	$575	$98
Mutual of Enumclaw	$677	$115

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Average Car Insurance in Carlsborg 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 Carlsborg, WA increasing?

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

Car Insurance Premiums by Age in Carlsborg

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	$575
30s	PEMCO	$403
40s	PEMCO	$407
50s	PEMCO	$387
60s	PEMCO	$407
70s	PEMCO	$506

Cheapest Car Insurance Rates for Teen Drivers in Carlsborg,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Carlsborg at $48 per month. At $621 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$283	$48
Auto-Owners Insurance Co	$288	$49
Chubb	$323	$54
State Farm	$656	$111
American Family	$864	$145
Progressive	$989	$167
USAA	$1040	$175
Pemco	$1060	$179
Farmers	$1505	$253
Allstate	$1737	$292
California Causality	$621	$105

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 Carlsborg.

As young drivers face the highest rates in Carlsborg, PEMCO offers the cheapest auto insurance rates at $575 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 Carlsborg, AutoOwners Insurance Co is the cheapest car insurance provider. At $197 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 Carlsborg is California Causality, offering rates of around $464 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$197	$33
Chubb	$232	$39
Travelers	$237	$40
Nationwide	$278	$46
Kemper	$303	$52
American Family	$460	$77
Progressive	$536	$90
State Farm	$621	$105
Farmers	$687	$116
Pemco	$793	$133
USAA	$818	$139
Allstate	$1636	$273
National General	$333	$55
California Causality	$464	$79

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

Car Insurance Rates with An Accident in Carlsborg

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

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

The cheapest car insurance companies after an at-fault accident in Carlsborg include AutoOwners Insurance Co and Encompass, offering $252 and $288, respectively. California Causality is an expensive provider with an average six-month premium of $349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$252	$43
Encompass	$288	$49
Chubb	$298	$50
Travelers	$359	$60
USAA	$383	$65
Kemper	$419	$71
State Farm	$565	$95
PEMCO	$621	$105
American Family	$677	$114
Capital Insurance Group	$747	$127
Progressive	$893	$150
Farmers	$965	$162
Allstate	$1556	$262
California Causality	$349	$58

Carlsborg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carlsborg WA. For example, the car insurance in Carlsborg after a DUI increases to $692 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Carlsborg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$909	$151
One Med/PIP claim	$909	$155
Not-at-fault accident	$939	$156
Two Med/PIP claims	$939	$160
One comp claim	$944	$157
Two comp claims	$984	$167
Failure to show documents	$1085	$181
Child safety restraint	$1096	$186
Driving without lights	$1106	$184
Failure to wear a seat belt	$1106	$188
Speeding 11 - 15 MPH over limit	$1106	$184
Speeding 16 - 20 MPH over limit	$1106	$188
Speeding 6 - 10 MPH over limit	$1106	$184
Driving too slowly	$1116	$190
Driving with expired registration	$1116	$186
Cell phone violation	$1121	$190
Failure to yield	$1121	$187
Improper passing	$1121	$190
Texting while driving	$1121	$187
Wrong way/wrong lane	$1121	$190
Failure to stop at a red light	$1126	$188
Following too closely	$1126	$191
Illegal turn	$1126	$188
Speeding in school zone	$1176	$200
Passing school bus	$1182	$197
At-fault accident - less than $1000	$1197	$203
Speeding 21 - 25 MPH over limit	$1197	$200
Open container	$1202	$204
In 65 MPH zone	$1247	$208
At-fault accident - $1000-$2000	$1293	$220
At-fault accident - greater than $2000	$1298	$216
Operating a vehicle without permission	$1307	$223
Refusal to submit to a chemical test	$1565	$261
Reckless driving	$1570	$267
Driving with a suspended license	$1585	$264
DUI	$1601	$272
Racing	$1656	$276
Leaving scene of an accident/hit and run	$1666	$283

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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 Carlsborg 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 Carlsborg.

The cheapest car insurance premiums in Carlsborg are offered by Chubb at $288 for a six-month policy. However, it can be as expensive as $308 with companies like National General.

Carlsborg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$49
Auto-Owners Insurance Co	$364	$60
Travelers	$394	$66
American Family	$565	$95
Progressive	$626	$105
Pemco	$636	$107
USAA	$697	$117
State Farm	$732	$123
Farmers	$1000	$168
Allstate	$1474	$248
Grange	$1545	$263
Cal Casualty	$1726	$288
National General	$308	$53

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 Carlsborg are offered by Chubb at $252. However, it can be as expensive as $283 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Carlsborg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$252	$43
Auto-Owners Insurance Co	$263	$45
Travelers	$323	$54
State Farm	$394	$66
American Family	$565	$95
USAA	$616	$105
Pemco	$621	$105
Progressive	$737	$124
Farmers	$859	$145
Allstate	$1136	$193
California Causality	$283	$48

Car Insurance Price Trends in Carlsborg, Washington

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

The average cost of full coverage in the Carlsborg rose by $128 in December compared to $126 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Carlsborg remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Carlsborg?

The car insurance in Carlsborg is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Carlsborg?

The cheapest car insurance in Carlsborg is $58 per month for full coverage.

How much is car insurance in Carlsborg for teenagers?

Car insurance for teenagers costs $283 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 Carlsborg?

The average cost of car insurance is $768 for a six-month policy. It will cost around $110 per month to insure your car in Carlsborg.

Is car insurance expensive in Carlsborg?

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

Cheapest Car Insurance Quotes in Carlsborg

Why you can trust Way?

How Much Is Car Insurance in Carlsborg

Avg. Car Insurance in Carlsborg

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Carlsborg

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Carlsborg Car Insurance Rates by Company

Cheap Car Insurance Companies in Carlsborg, WA

Way's key takeaways about car insurance in Carlsborg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carlsborg

Cheapest Liability Coverage in Carlsborg, WA

Cheapest Full Coverage Car Insurance in Carlsborg

Cheapest Full Coverage Car Insurance Quotes in Carlsborg, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carlsborg by Rating Factor

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

Car Insurance Premiums by Age in Carlsborg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carlsborg,WA

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

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 Carlsborg

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

Carlsborg Car Insurance Rates by Violation

Carlsborg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carlsborg after a DUI

Carlsborg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carlsborg after Speeding ticket

Car Insurance Price Trends in Carlsborg, Washington

Average Car Insurance Cost in Carlsborg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carlsborg, WA

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

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