Cheapest Car Insurance Quotes in Cathcart

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Cathcart Car Insurance

^$ 40

/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 Cathcart

The car insurance rate in Cathcart is $1009 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 $451, making it a popular choice for budget-conscious drivers. Rates in Cathcart 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 Cathcart

$1009

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Cathcart

1st place: Kemper

At $451 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $607 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 $627 for six months, making it the third cheapest auto insurance company in Cathcart.

Cathcart Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cathcart, WA is Kemper, offering policies at just $451 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $607.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2660 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cathcart drivers find the best deals.

Cheap Car Insurance Companies in Cathcart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$451	$75
Nationwide	$607	$103
Auto-Owners Insurance Co	$627	$105
Chubb	$712	$121
Capital Insurance Group	$725	$121
USAA	$849	$143
Mutual of Enumclaw	$895	$150
American Family	$915	$154
State Farm	$915	$154
Progressive	$934	$157
PEMCO	$1007	$169
Travelers	$1013	$171
Farmers	$1111	$187
Allstate	$1254	$211
Granwest P&C	$1476	$246
Sentry	$2660	$452

Key Takeaways

Way's key takeaways about car insurance in Cathcart

The auto insurance costs in Cathcart fall around $451 for six months.
The cheapest auto insurance company in Cathcart is California Casualty.
Teen drivers pay the highest rate in Cathcart at $749 per month.

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Cheapest Minimum Liability Car Insurance in Cathcart

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 Cathcart are given below.

California Casualty provides the cheapest minimum car insurance coverage in Cathcart. Their Average 6 Month Premium is $235. Grange is the most expensive at $235 for the same period.

Cheapest Liability Coverage in Cathcart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$235	$40
USAA	$235	$40
Granwest P&C	$242	$41
Auto-Owners Insurance Co	$255	$43
Chubb	$300	$51
Nationwide	$314	$53
PEMCO	$314	$53
Capital Insurance Group	$333	$57
Progressive	$340	$57
American Family	$347	$59
Mutual of Enumclaw	$373	$63
State Farm	$373	$63
Travelers	$380	$64
Farmers	$444	$75
Allstate	$738	$124
Sentry	$765	$130
Encompass	$229	$39
Grange	$235	$40

Cheapest Full Coverage Car Insurance in Cathcart

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 Cathcart is Kemper at $75 per month and $451 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cathcart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$451	$75
Nationwide	$607	$103
Auto-Owners Insurance Co	$627	$105
Chubb	$712	$121
Capital Insurance Group	$725	$121
USAA	$849	$143
Mutual of Enumclaw	$895	$150
American Family	$915	$154
State Farm	$915	$154
Progressive	$934	$157
PEMCO	$1007	$169
Travelers	$1013	$171
Farmers	$1111	$187
Allstate	$1254	$211
Granwest P&C	$1476	$246
Sentry	$2660	$452

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Average Car Insurance in Cathcart 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 Cathcart, WA increasing?

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

Car Insurance Premiums by Age in Cathcart

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	$745
30s	PEMCO	$521
40s	PEMCO	$527
50s	PEMCO	$501
60s	PEMCO	$527
70s	PEMCO	$655

Cheapest Car Insurance Rates for Teen Drivers in Cathcart,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cathcart at $62 per month. At $4496 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$360	$62
Auto-Owners Insurance Co	$373	$62
Chubb	$418	$72
Travelers	$1229	$207
State Farm	$1300	$219
USAA	$1509	$254
Pemco	$1856	$312
Farmers	$2241	$377
Mutual of Enumclaw	$2267	$385
Progressive	$2476	$417
Allstate	$2574	$433
Sentry	$4496	$749

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 Cathcart.

As young drivers face the highest rates in Cathcart, PEMCO offers the cheapest auto insurance rates at $745 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 Cathcart, AutoOwners Insurance Co is the cheapest car insurance provider. At $255 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 Cathcart is Sentry, offering rates of around $2660 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Chubb	$300	$51
American Family	$347	$59
Nationwide	$360	$59
Kemper	$392	$67
Farmers	$1020	$172
Travelers	$1085	$183
State Farm	$1287	$217
Progressive	$1294	$218
USAA	$1327	$221
Pemco	$1516	$255
Mutual of Enumclaw	$1555	$260
Allstate	$2431	$414
Sentry	$2660	$443

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

Car Insurance Rates with An Accident in Cathcart

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

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

The cheapest car insurance companies after an at-fault accident in Cathcart include AutoOwners Insurance Co and Encompass, offering $327 and $373, respectively. Sentry is an expensive provider with an average six-month premium of $4620.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$327	$55
Encompass	$373	$64
Chubb	$385	$65
American Family	$418	$72
Kemper	$542	$90
USAA	$582	$98
Travelers	$849	$143
State Farm	$869	$146
PEMCO	$947	$160
Capital Insurance Group	$967	$164
Mutual of Enumclaw	$1209	$201
Progressive	$1287	$217
Farmers	$1372	$231
Allstate	$2241	$377
Sentry	$4620	$770

Cathcart Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cathcart WA. For example, the car insurance in Cathcart after a DUI increases to $895 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

Cathcart auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1176	$200
Not-at-fault accident	$1216	$202
Two Med/PIP claims	$1216	$207
One comp claim	$1222	$204
Two comp claims	$1274	$217
Failure to show documents	$1405	$234
Child safety restraint	$1418	$241
Driving without lights	$1431	$239
Failure to wear a seat belt	$1431	$243
Speeding 11 - 15 MPH over limit	$1431	$239
Speeding 16 - 20 MPH over limit	$1431	$243
Speeding 6 - 10 MPH over limit	$1431	$239
Driving too slowly	$1444	$245
Driving with expired registration	$1444	$241
Cell phone violation	$1451	$246
Failure to yield	$1451	$242
Improper passing	$1451	$246
Texting while driving	$1451	$242
Wrong way/wrong lane	$1451	$246
Failure to stop at a red light	$1458	$243
Following too closely	$1458	$248
Illegal turn	$1458	$243
Speeding in school zone	$1522	$259
Passing school bus	$1529	$255
At-fault accident - less than $1000	$1549	$263
Speeding 21 - 25 MPH over limit	$1549	$259
Open container	$1555	$264
In 65 MPH zone	$1614	$270
At-fault accident - $1000-$2000	$1673	$285
At-fault accident - greater than $2000	$1680	$279
Operating a vehicle without permission	$1692	$288
Refusal to submit to a chemical test	$2025	$338
Reckless driving	$2032	$345
Driving with a suspended license	$2052	$342
DUI	$2071	$352
Racing	$2143	$358
Leaving scene of an accident/hit and run	$2156	$366

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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 Cathcart 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 Cathcart.

The cheapest car insurance premiums in Cathcart are offered by Chubb at $373 for a six-month policy. However, it can be as expensive as $3502 with companies like Sentry.

Cathcart car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$373	$64
American Family	$411	$68
Auto-Owners Insurance Co	$471	$80
Travelers	$895	$151
Progressive	$902	$152
USAA	$993	$167
Pemco	$1098	$185
State Farm	$1196	$201
Farmers	$1398	$235
Mutual of Enumclaw	$1562	$261
Grange	$2000	$340
Allstate	$2045	$344
Cal Casualty	$2234	$380
Sentry	$3502	$584

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 Cathcart are offered by Chubb at $327. However, it can be as expensive as $4280 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Cathcart after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$56
Auto-Owners Insurance Co	$340	$56
American Family	$411	$70
State Farm	$765	$129
Travelers	$934	$157
USAA	$1026	$171
Mutual of Enumclaw	$1091	$186
Pemco	$1137	$191
Progressive	$1163	$196
Farmers	$1280	$216
Allstate	$1967	$334
Sentry	$4280	$713

Car Insurance Price Trends in Cathcart, Washington

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

The average cost of full coverage in the Cathcart rose by $215 in January compared to $166 of December. In other words, there has been an increase by $49 when you compare January and December.

The average cost of liability insurance in the Cathcart rose to $62 in January, compared to $56 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cathcart?

The car insurance in Cathcart is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Cathcart?

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

How much is car insurance in Cathcart for teenagers?

Car insurance for teenagers costs $360 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 Cathcart?

The average cost of car insurance is $917 for a six-month policy. It will cost around $169 per month to insure your car in Cathcart.

Is car insurance expensive in Cathcart?

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

Cheapest Car Insurance Quotes in Cathcart

Why you can trust Way?

How Much Is Car Insurance in Cathcart

Avg. Car Insurance in Cathcart

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Cathcart

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Cathcart Car Insurance Rates by Company

Cheap Car Insurance Companies in Cathcart, WA

Way's key takeaways about car insurance in Cathcart

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cathcart

Cheapest Liability Coverage in Cathcart, WA

Cheapest Full Coverage Car Insurance in Cathcart

Cheapest Full Coverage Car Insurance Quotes in Cathcart, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cathcart by Rating Factor

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

Car Insurance Premiums by Age in Cathcart

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cathcart,WA

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

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 Cathcart

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

Cathcart Car Insurance Rates by Violation

Cathcart auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cathcart after a DUI

Cathcart car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cathcart after Speeding ticket

Car Insurance Price Trends in Cathcart, Washington

Average Car Insurance Cost in Cathcart by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cathcart, WA

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

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