Cheapest Car Insurance Quotes in Carnation

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Carnation 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 Carnation

The car insurance rate in Carnation is $860 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Carnation 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 Carnation

$860

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Carnation

1st place: Kemper

At $459 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $618 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 $638 for six months, making it the third cheapest auto insurance company in Carnation.

Carnation Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carnation, WA is Kemper, offering policies at just $459 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $618.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carnation drivers find the best deals.

Cheap Car Insurance Companies in Carnation, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$76
Nationwide	$618	$105
Auto-Owners Insurance Co	$638	$106
Chubb	$725	$123
Capital Insurance Group	$738	$123
State Farm	$772	$130
USAA	$799	$134
Progressive	$858	$144
PEMCO	$878	$148
American Family	$905	$152
Travelers	$978	$165
Farmers	$1038	$175
Allstate	$1211	$204
Granwest P&C	$1503	$255
California Causality	$758	$129
Mutual of Enumclaw	$892	$151

Key Takeaways

Way's key takeaways about car insurance in Carnation

The auto insurance costs in Carnation fall around $459 for six months.
The cheapest auto insurance company in Carnation is USAA.
Teen drivers pay the highest rate in Carnation at $139 per month.

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Cheapest Minimum Liability Car Insurance in Carnation

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 Carnation are given below.

USAA provides the cheapest minimum car insurance coverage in Carnation. Their Average 6 Month Premium is $213. California Causality is the most expensive at $267 for the same period.

Cheapest Liability Coverage in Carnation, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$213	$36
California Casualty	$240	$40
Granwest P&C	$246	$41
PEMCO	$253	$43
Auto-Owners Insurance Co	$260	$44
Chubb	$306	$52
Travelers	$312	$53
Nationwide	$319	$54
Capital Insurance Group	$339	$56
State Farm	$339	$57
Progressive	$353	$59
American Family	$399	$67
Mutual of Enumclaw	$405	$67
Farmers	$426	$72
Allstate	$719	$121
Encompass	$233	$39
Grange	$240	$40
California Causality	$267	$45

Cheapest Full Coverage Car Insurance in Carnation

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 Carnation is Kemper at $76 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carnation, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$76
Nationwide	$618	$105
Auto-Owners Insurance Co	$638	$106
Chubb	$725	$123
Capital Insurance Group	$738	$123
State Farm	$772	$130
USAA	$799	$134
Progressive	$858	$144
PEMCO	$878	$148
American Family	$905	$152
Travelers	$978	$165
Farmers	$1038	$175
Allstate	$1211	$204
Granwest P&C	$1503	$255
California Causality	$758	$129
Mutual of Enumclaw	$892	$151

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Average Car Insurance in Carnation 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 Carnation, WA increasing?

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

Car Insurance Premiums by Age in Carnation

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	$758
30s	PEMCO	$531
40s	PEMCO	$536
50s	PEMCO	$510
60s	PEMCO	$536
70s	PEMCO	$666

Cheapest Car Insurance Rates for Teen Drivers in Carnation,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Carnation at $63 per month. At $819 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$373	$63
Auto-Owners Insurance Co	$380	$65
Chubb	$426	$71
State Farm	$865	$146
American Family	$1138	$192
Progressive	$1304	$220
USAA	$1371	$231
Pemco	$1397	$235
Farmers	$1982	$334
Allstate	$2288	$385
California Causality	$819	$139

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 Carnation.

As young drivers face the highest rates in Carnation, PEMCO offers the cheapest auto insurance rates at $758 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 Carnation, AutoOwners Insurance Co is the cheapest car insurance provider. At $260 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 Carnation is California Causality, offering rates of around $612 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$260	$44
Chubb	$306	$52
Travelers	$312	$53
Nationwide	$366	$60
Kemper	$399	$68
American Family	$606	$102
Progressive	$706	$119
State Farm	$819	$138
Farmers	$905	$152
Pemco	$1045	$176
USAA	$1077	$184
Allstate	$2156	$360
National General	$439	$73
California Causality	$612	$104

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

Car Insurance Rates with An Accident in Carnation

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

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

The cheapest car insurance companies after an at-fault accident in Carnation include AutoOwners Insurance Co and Encompass, offering $333 and $380, respectively. California Causality is an expensive provider with an average six-month premium of $459.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$333	$56
Encompass	$380	$65
Chubb	$392	$66
Travelers	$473	$80
USAA	$505	$85
Kemper	$552	$94
State Farm	$745	$125
PEMCO	$819	$138
American Family	$892	$150
Capital Insurance Group	$984	$167
Progressive	$1177	$198
Farmers	$1271	$214
Allstate	$2050	$345
California Causality	$459	$76

Carnation Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carnation WA. For example, the car insurance in Carnation after a DUI increases to $912 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.

Carnation auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1197	$199
One Med/PIP claim	$1197	$204
Not-at-fault accident	$1238	$206
Two Med/PIP claims	$1238	$211
One comp claim	$1244	$207
Two comp claims	$1297	$221
Failure to show documents	$1430	$239
Child safety restraint	$1444	$245
Driving without lights	$1457	$243
Failure to wear a seat belt	$1457	$248
Speeding 11 - 15 MPH over limit	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Speeding 6 - 10 MPH over limit	$1457	$243
Driving too slowly	$1471	$250
Driving with expired registration	$1471	$245
Cell phone violation	$1477	$251
Failure to yield	$1477	$246
Improper passing	$1477	$251
Texting while driving	$1477	$246
Wrong way/wrong lane	$1477	$251
Failure to stop at a red light	$1484	$248
Following too closely	$1484	$252
Illegal turn	$1484	$248
Speeding in school zone	$1550	$263
Passing school bus	$1557	$260
At-fault accident - less than $1000	$1577	$268
Speeding 21 - 25 MPH over limit	$1577	$263
Open container	$1584	$269
In 65 MPH zone	$1643	$274
At-fault accident - $1000-$2000	$1704	$290
At-fault accident - greater than $2000	$1710	$284
Operating a vehicle without permission	$1723	$293
Refusal to submit to a chemical test	$2062	$344
Reckless driving	$2069	$352
Driving with a suspended license	$2089	$348
DUI	$2109	$358
Racing	$2182	$364
Leaving scene of an accident/hit and run	$2195	$373

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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 Carnation 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 Carnation.

The cheapest car insurance premiums in Carnation are offered by Chubb at $380 for a six-month policy. However, it can be as expensive as $405 with companies like National General.

Carnation car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$380	$65
Auto-Owners Insurance Co	$479	$80
Travelers	$519	$87
American Family	$745	$125
Progressive	$825	$139
Pemco	$838	$141
USAA	$918	$155
State Farm	$964	$162
Farmers	$1317	$222
Allstate	$1942	$327
Grange	$2036	$346
Cal Casualty	$2275	$380
National General	$405	$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 Carnation are offered by Chubb at $333. However, it can be as expensive as $373 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Carnation after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$333	$56
Auto-Owners Insurance Co	$346	$59
Travelers	$426	$71
State Farm	$519	$87
American Family	$745	$125
USAA	$812	$138
Pemco	$819	$138
Progressive	$971	$164
Farmers	$1131	$190
Allstate	$1497	$254
California Causality	$373	$64

Car Insurance Price Trends in Carnation, Washington

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

The average cost of full coverage in the Carnation rose by $169 in December compared to $166 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Carnation 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 Carnation?

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

What is the cheapest car insurance in Carnation?

The cheapest car insurance in Carnation is $76 per month for full coverage.

How much is car insurance in Carnation for teenagers?

Car insurance for teenagers costs $373 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 Carnation?

The average cost of car insurance is $768 for a six-month policy. It will cost around $144 per month to insure your car in Carnation.

Is car insurance expensive in Carnation?

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

Cheapest Car Insurance Quotes in Carnation

Why you can trust Way?

How Much Is Car Insurance in Carnation

Avg. Car Insurance in Carnation

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Carnation

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Carnation Car Insurance Rates by Company

Cheap Car Insurance Companies in Carnation, WA

Way's key takeaways about car insurance in Carnation

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carnation

Cheapest Liability Coverage in Carnation, WA

Cheapest Full Coverage Car Insurance in Carnation

Cheapest Full Coverage Car Insurance Quotes in Carnation, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carnation by Rating Factor

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

Car Insurance Premiums by Age in Carnation

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carnation,WA

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

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 Carnation

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

Carnation Car Insurance Rates by Violation

Carnation auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carnation after a DUI

Carnation car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carnation after Speeding ticket

Car Insurance Price Trends in Carnation, Washington

Average Car Insurance Cost in Carnation by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carnation, WA

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

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