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Finding the cheapest car insurance quotes in Deer Harbor 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 Deer Harbor
The car insurance rate in Deer Harbor is $761 for a six-month policy, which is $156 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Deer Harbor 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 $340 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $458 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 $473
for six months, making it
the third cheapest auto insurance company in Deer Harbor.
Deer Harbor Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Deer Harbor, WA is Kemper, offering policies at just $340 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $458.
At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2007 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deer Harbor drivers find the best deals.
Way's key takeaways about car insurance in Deer Harbor
The auto insurance costs in Deer Harbor fall around $340 for six
months.
The cheapest auto insurance company in Deer Harbor is California Casualty.
Teen drivers pay the highest rate in Deer Harbor at $565 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 Deer Harbor
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 Deer Harbor are given below.
California Casualty provides
the cheapest minimum car insurance
coverage in Deer Harbor. Their Average 6 Month Premium is $178.
Grange is the most
expensive at $178 for the same
period.
Cheapest Full Coverage Car Insurance in Deer Harbor
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 Deer Harbor is Kemper
at $56 per month and $340
for six months.
Cheapest Full Coverage Car Insurance Quotes in Deer Harbor,
WA
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Average Car Insurance in Deer Harbor 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 Deer Harbor, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Deer Harbor, 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, Deer Harbor's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Deer Harbor
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
$562
30s
PEMCO
$393
40s
PEMCO
$398
50s
PEMCO
$378
60s
PEMCO
$398
70s
PEMCO
$494
Cheapest Car Insurance Rates for Teen Drivers in
Deer Harbor,WA
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Deer Harbor at $46
per
month. At $3392 for a six-month premium,
Sentry offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Deer Harbor.
As young drivers face the highest rates in Deer Harbor, PEMCO
offers the cheapest auto insurance rates at $562 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 Deer Harbor,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $193 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
Deer Harbor is Sentry, offering
rates of around $2007 for six
months.
Save up to $971/yr on car insurance rates in Deer Harbor.
Car Insurance Rates with An Accident in Deer Harbor
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 Deer Harbor, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Deer Harbor
The cheapest car insurance companies after an at-fault accident in
Deer Harbor include AutoOwners Insurance Co
and Encompass, offering $247
and $281,
respectively. Sentry is an expensive provider
with an average six-month premium of
$3486.
Here is a list of driving violations that can increase your car
insurance rates in Deer Harbor WA. For example, the car
insurance in Deer Harbor
after a DUI increases to $676 for a six
month policy. While the rate increases by $193 for a six-month policy in the case of
a speeding ticket.
Deer Harbor auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$887
$148
One Med/PIP claim
$887
$151
Not-at-fault accident
$917
$153
Two Med/PIP claims
$917
$156
One comp claim
$922
$154
Two comp claims
$961
$164
Failure to show documents
$1060
$177
Child safety restraint
$1070
$182
Driving without lights
$1080
$180
Failure to wear a seat belt
$1080
$183
Speeding 11 - 15 MPH over limit
$1080
$180
Speeding 16 - 20 MPH over limit
$1080
$183
Speeding 6 - 10 MPH over limit
$1080
$180
Driving too slowly
$1090
$185
Driving with expired registration
$1090
$182
Cell phone violation
$1095
$186
Failure to yield
$1095
$183
Improper passing
$1095
$186
Texting while driving
$1095
$183
Wrong way/wrong lane
$1095
$186
Failure to stop at a red light
$1100
$183
Following too closely
$1100
$187
Illegal turn
$1100
$183
Speeding in school zone
$1149
$195
Passing school bus
$1154
$193
At-fault accident - less than $1000
$1169
$198
Speeding 21 - 25 MPH over limit
$1169
$195
Open container
$1174
$199
In 65 MPH zone
$1218
$203
At-fault accident - $1000-$2000
$1262
$215
At-fault accident - greater than $2000
$1267
$211
Operating a vehicle without permission
$1277
$217
Refusal to submit to a chemical test
$1528
$255
Reckless driving
$1533
$261
Driving with a suspended license
$1548
$258
DUI
$1563
$266
Racing
$1617
$270
Leaving scene of an accident/hit and run
$1627
$276
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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 Deer Harbor 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 Deer Harbor.
The cheapest car insurance premiums in
Deer Harbor are
offered by Chubb at $281 for a six-month policy.
However, it can be as
expensive as $2643 with companies
like Sentry.
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 Deer Harbor are offered by Chubb
at $247. However,
it can be as expensive as $3230
with companies like Sentry for a similar
six-month premium.
Cheapest Car Insurance in Deer Harbor after Speeding ticket
Car Insurance Price Trends in Deer Harbor,
Washington
Car insurance rates in Deer Harbor have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Deer Harbor rose by
$162 in January
compared to $125 of December. In other words, there has been an increase by $37 when you
compare January and December.
The average cost of liability insurance in the Deer Harbor rose to $46 in January,
compared to $42 in December.
This represents an increase of $4
when comparing January and December.
Average Car Insurance Cost in Deer Harbor 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
Deer Harbor. At $1522 for a
six-month policy, insuring
your car at 98243 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 Deer Harbor?
The car insurance in Deer Harbor is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Deer Harbor?
The cheapest car insurance in Deer Harbor
is $56 per month
for full coverage.
How much is car insurance in Deer Harbor for teenagers?
Car insurance for teenagers costs $271 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
Deer Harbor?
The average cost of car insurance is $917 for a six-month
policy. It will cost around $128 per month to insure your
car in Deer Harbor.
Is car insurance expensive in Deer Harbor?
Car insurance can be expensive in Deer Harbor if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Deer Harbor can be
affordable.
What is the best car insurance in Deer Harbor,
WA?
The best car insurance company in Deer Harbor
WA is
Kemper, offering $340 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Deer Harbor, WA
Car Insurance Rates by State in the USA (2025 Update)
Deer Harbor Car Insurance
