Cheapest Car Insurance Quotes in Cathlamet

Finding the cheapest car insurance quotes in Cathlamet shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Cathlamet Car Insurance

^$ 35

/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 Cathlamet

The car insurance rate in Cathlamet is $899 for a six-month policy, which is $18 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Cathlamet 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 Cathlamet

$899

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Cathlamet

1st place: Kemper

At $402 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $541 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 $559 for six months, making it the third cheapest auto insurance company in Cathlamet.

Cathlamet Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cathlamet, WA is Kemper, offering policies at just $402 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $541.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2370 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cathlamet drivers find the best deals.

Cheap Car Insurance Companies in Cathlamet, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$402	$67
Nationwide	$541	$92
Auto-Owners Insurance Co	$559	$93
Chubb	$634	$108
Capital Insurance Group	$646	$108
USAA	$757	$127
Mutual of Enumclaw	$798	$133
American Family	$815	$137
State Farm	$815	$137
Progressive	$832	$140
PEMCO	$897	$151
Travelers	$903	$152
Farmers	$990	$167
Allstate	$1117	$188
Granwest P&C	$1315	$220
Sentry	$2370	$403

Key Takeaways

Way's key takeaways about car insurance in Cathlamet

The auto insurance costs in Cathlamet fall around $402 for six months.
The cheapest auto insurance company in Cathlamet is California Casualty.
Teen drivers pay the highest rate in Cathlamet at $667 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Cathlamet

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 Cathlamet are given below.

California Casualty provides the cheapest minimum car insurance coverage in Cathlamet. Their Average 6 Month Premium is $210. Grange is the most expensive at $210 for the same period.

Cheapest Liability Coverage in Cathlamet, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$210	$35
USAA	$210	$35
Granwest P&C	$216	$36
Auto-Owners Insurance Co	$227	$38
Chubb	$268	$45
Nationwide	$279	$47
PEMCO	$279	$47
Capital Insurance Group	$297	$51
Progressive	$303	$51
American Family	$309	$53
Mutual of Enumclaw	$332	$56
State Farm	$332	$56
Travelers	$338	$57
Farmers	$396	$67
Allstate	$658	$111
Sentry	$681	$116
Encompass	$204	$34
Grange	$210	$35

Cheapest Full Coverage Car Insurance in Cathlamet

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 Cathlamet is Kemper at $67 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cathlamet, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$402	$67
Nationwide	$541	$92
Auto-Owners Insurance Co	$559	$93
Chubb	$634	$108
Capital Insurance Group	$646	$108
USAA	$757	$127
Mutual of Enumclaw	$798	$133
American Family	$815	$137
State Farm	$815	$137
Progressive	$832	$140
PEMCO	$897	$151
Travelers	$903	$152
Farmers	$990	$167
Allstate	$1117	$188
Granwest P&C	$1315	$220
Sentry	$2370	$403

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Cathlamet Instantly!

Average Car Insurance in Cathlamet 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 Cathlamet, WA increasing?

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

Car Insurance Premiums by Age in Cathlamet

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	$663
30s	PEMCO	$465
40s	PEMCO	$469
50s	PEMCO	$446
60s	PEMCO	$469
70s	PEMCO	$583

Cheapest Car Insurance Rates for Teen Drivers in Cathlamet,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cathlamet at $55 per month. At $4005 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$55
Auto-Owners Insurance Co	$332	$55
Chubb	$372	$64
Travelers	$1095	$184
State Farm	$1158	$195
USAA	$1345	$226
Pemco	$1653	$278
Farmers	$1996	$336
Mutual of Enumclaw	$2020	$343
Progressive	$2206	$371
Allstate	$2293	$386
Sentry	$4005	$667

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 Cathlamet.

As young drivers face the highest rates in Cathlamet, PEMCO offers the cheapest auto insurance rates at $663 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 Cathlamet, AutoOwners Insurance Co is the cheapest car insurance provider. At $227 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 Cathlamet is Sentry, offering rates of around $2370 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Chubb	$268	$45
American Family	$309	$53
Nationwide	$320	$53
Kemper	$349	$60
Farmers	$908	$153
Travelers	$966	$163
State Farm	$1147	$193
Progressive	$1152	$194
USAA	$1182	$197
Pemco	$1350	$227
Mutual of Enumclaw	$1386	$231
Allstate	$2166	$368
Sentry	$2370	$395

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cathlamet

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

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

The cheapest car insurance companies after an at-fault accident in Cathlamet include AutoOwners Insurance Co and Encompass, offering $291 and $332, respectively. Sentry is an expensive provider with an average six-month premium of $4116.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$49
Encompass	$332	$57
Chubb	$343	$58
American Family	$372	$64
Kemper	$483	$80
USAA	$518	$87
Travelers	$757	$127
State Farm	$774	$130
PEMCO	$844	$142
Capital Insurance Group	$861	$146
Mutual of Enumclaw	$1077	$179
Progressive	$1147	$193
Farmers	$1222	$206
Allstate	$1996	$336
Sentry	$4116	$686

Cathlamet Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cathlamet WA. For example, the car insurance in Cathlamet after a DUI increases to $797 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Cathlamet auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1048	$174
One Med/PIP claim	$1048	$178
Not-at-fault accident	$1083	$180
Two Med/PIP claims	$1083	$184
One comp claim	$1089	$181
Two comp claims	$1135	$193
Failure to show documents	$1251	$209
Child safety restraint	$1263	$215
Driving without lights	$1275	$213
Failure to wear a seat belt	$1275	$217
Speeding 11 - 15 MPH over limit	$1275	$213
Speeding 16 - 20 MPH over limit	$1275	$217
Speeding 6 - 10 MPH over limit	$1275	$213
Driving too slowly	$1287	$219
Driving with expired registration	$1287	$215
Cell phone violation	$1293	$220
Failure to yield	$1293	$216
Improper passing	$1293	$220
Texting while driving	$1293	$216
Wrong way/wrong lane	$1293	$220
Failure to stop at a red light	$1299	$217
Following too closely	$1299	$221
Illegal turn	$1299	$217
Speeding in school zone	$1356	$230
Passing school bus	$1362	$227
At-fault accident - less than $1000	$1380	$234
Speeding 21 - 25 MPH over limit	$1380	$230
Open container	$1386	$235
In 65 MPH zone	$1438	$240
At-fault accident - $1000-$2000	$1491	$254
At-fault accident - greater than $2000	$1496	$249
Operating a vehicle without permission	$1507	$257
Refusal to submit to a chemical test	$1804	$301
Reckless driving	$1810	$308
Driving with a suspended license	$1828	$305
DUI	$1845	$314
Racing	$1909	$319
Leaving scene of an accident/hit and run	$1921	$326

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Cathlamet 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 Cathlamet.

The cheapest car insurance premiums in Cathlamet are offered by Chubb at $332 for a six-month policy. However, it can be as expensive as $3120 with companies like Sentry.

Cathlamet car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$332	$57
American Family	$367	$61
Auto-Owners Insurance Co	$419	$72
Travelers	$798	$134
Progressive	$804	$135
USAA	$885	$149
Pemco	$978	$165
State Farm	$1065	$179
Farmers	$1246	$210
Mutual of Enumclaw	$1392	$232
Grange	$1782	$303
Allstate	$1822	$307
Cal Casualty	$1990	$338
Sentry	$3120	$520

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 Cathlamet are offered by Chubb at $291. However, it can be as expensive as $3813 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Cathlamet after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$50
Auto-Owners Insurance Co	$303	$50
American Family	$367	$63
State Farm	$681	$115
Travelers	$832	$140
USAA	$914	$152
Mutual of Enumclaw	$972	$166
Pemco	$1013	$171
Progressive	$1036	$174
Farmers	$1141	$192
Allstate	$1752	$298
Sentry	$3813	$635

Car Insurance Price Trends in Cathlamet, Washington

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

The average cost of full coverage in the Cathlamet rose by $191 in January compared to $148 of December. In other words, there has been an increase by $43 when you compare January and December.

The average cost of liability insurance in the Cathlamet rose to $55 in January, compared to $50 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Cathlamet?

The car insurance in Cathlamet is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Cathlamet?

The cheapest car insurance in Cathlamet is $67 per month for full coverage.

How much is car insurance in Cathlamet for teenagers?

Car insurance for teenagers costs $320 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 Cathlamet?

The average cost of car insurance is $917 for a six-month policy. It will cost around $151 per month to insure your car in Cathlamet.

Is car insurance expensive in Cathlamet?

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

Cheapest Car Insurance Quotes in Cathlamet

Why you can trust Way?

How Much Is Car Insurance in Cathlamet

Avg. Car Insurance in Cathlamet

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Cathlamet

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Cathlamet Car Insurance Rates by Company

Cheap Car Insurance Companies in Cathlamet, WA

Way's key takeaways about car insurance in Cathlamet

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cathlamet

Cheapest Liability Coverage in Cathlamet, WA

Cheapest Full Coverage Car Insurance in Cathlamet

Cheapest Full Coverage Car Insurance Quotes in Cathlamet, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cathlamet by Rating Factor

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

Car Insurance Premiums by Age in Cathlamet

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cathlamet,WA

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

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 Cathlamet

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

Cathlamet Car Insurance Rates by Violation

Cathlamet auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cathlamet after a DUI

Cathlamet car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cathlamet after Speeding ticket

Car Insurance Price Trends in Cathlamet, Washington

Average Car Insurance Cost in Cathlamet by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cathlamet, WA

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

Featured Blogs

Data Sources