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Finding the cheapest car insurance quotes in Clearlake 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.
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 Clearlake
The car insurance rate in Clearlake is $707 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in Clearlake 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.
At $377 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $508 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 $524
for six months, making it
the third cheapest auto insurance company in Clearlake.
Clearlake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Clearlake, WA is Kemper, offering policies at just $377 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $508.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $732 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clearlake drivers find the best deals.
Way's key takeaways about car insurance in Clearlake
The auto insurance costs in Clearlake fall around $377 for six
months.
The cheapest auto insurance company in Clearlake is USAA.
Teen drivers pay the highest rate in Clearlake at $114 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 Clearlake
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 Clearlake are given below.
USAA provides
the cheapest minimum car insurance
coverage in Clearlake. Their Average 6 Month Premium is $175.
California Causality is the most
expensive at $219 for the same
period.
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 Clearlake is Kemper
at $63 per month and $377
for six months.
Cheapest Full Coverage Car Insurance Quotes in Clearlake,
WA
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Instantly!
Average Car Insurance in Clearlake 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 Clearlake, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Clearlake, 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, Clearlake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Clearlake
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
$623
30s
PEMCO
$436
40s
PEMCO
$441
50s
PEMCO
$419
60s
PEMCO
$441
70s
PEMCO
$547
Cheapest Car Insurance Rates for Teen Drivers in
Clearlake,WA
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Clearlake at $52
per
month. At $673 for a six-month premium,
California Causality offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Clearlake.
As young drivers face the highest rates in Clearlake, PEMCO
offers the cheapest auto insurance rates at $623 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 Clearlake,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $213 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
Clearlake is California Causality, offering
rates of around $502 for six
months.
Save up to $971/yr on car insurance rates in Clearlake.
Car Insurance Rates with An Accident in Clearlake
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 Clearlake, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Clearlake
The cheapest car insurance companies after an at-fault accident in
Clearlake include AutoOwners Insurance Co
and Encompass, offering $273
and $312,
respectively. California Causality is an expensive provider
with an average six-month premium of
$377.
Here is a list of driving violations that can increase your car
insurance rates in Clearlake WA. For example, the car
insurance in Clearlake
after a DUI increases to $749 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Clearlake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$983
$164
One Med/PIP claim
$983
$167
Not-at-fault accident
$1017
$169
Two Med/PIP claims
$1017
$173
One comp claim
$1022
$170
Two comp claims
$1065
$181
Failure to show documents
$1175
$196
Child safety restraint
$1186
$201
Driving without lights
$1197
$200
Failure to wear a seat belt
$1197
$203
Speeding 11 - 15 MPH over limit
$1197
$200
Speeding 16 - 20 MPH over limit
$1197
$203
Speeding 6 - 10 MPH over limit
$1197
$200
Driving too slowly
$1208
$205
Driving with expired registration
$1208
$201
Cell phone violation
$1213
$206
Failure to yield
$1213
$202
Improper passing
$1213
$206
Texting while driving
$1213
$202
Wrong way/wrong lane
$1213
$206
Failure to stop at a red light
$1219
$203
Following too closely
$1219
$207
Illegal turn
$1219
$203
Speeding in school zone
$1273
$216
Passing school bus
$1279
$213
At-fault accident - less than $1000
$1295
$220
Speeding 21 - 25 MPH over limit
$1295
$216
Open container
$1301
$221
In 65 MPH zone
$1350
$225
At-fault accident - $1000-$2000
$1399
$238
At-fault accident - greater than $2000
$1405
$234
Operating a vehicle without permission
$1415
$241
Refusal to submit to a chemical test
$1694
$282
Reckless driving
$1699
$289
Driving with a suspended license
$1716
$286
DUI
$1732
$294
Racing
$1792
$299
Leaving scene of an accident/hit and run
$1803
$306
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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 Clearlake 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 Clearlake.
The cheapest car insurance premiums in
Clearlake are
offered by Chubb at $312 for a six-month policy.
However, it can be as
expensive as $333 with companies
like National General.
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 Clearlake are offered by Chubb
at $273. However,
it can be as expensive as $306
with companies like California Causality for a similar
six-month premium.
Cheapest Car Insurance in Clearlake after Speeding ticket
Car Insurance Price Trends in Clearlake,
Washington
Car insurance rates in Clearlake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Clearlake rose by
$139 in December
compared to $136 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 Clearlake rose to $47 in December,
compared to $46 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Clearlake by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Clearlake. At $1413 for a
six-month policy, insuring
your car at 98235 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Clearlake?
The car insurance in Clearlake is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Clearlake?
The cheapest car insurance in Clearlake
is $63 per month
for full coverage.
How much is car insurance in Clearlake for teenagers?
Car insurance for teenagers costs $306 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
Clearlake?
The average cost of car insurance is $768 for a six-month
policy. It will cost around $119 per month to insure your
car in Clearlake.
Is car insurance expensive in Clearlake?
Car insurance can be expensive in Clearlake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Clearlake can be
affordable.
What is the best car insurance in Clearlake,
WA?
The best car insurance company in Clearlake
WA is
Kemper, offering $377 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Clearlake, WA
Car Insurance Rates by State in the USA (2025 Update)
Clearlake Car Insurance
