Cheapest Car Insurance Quotes in Edmonds

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Edmonds Car Insurance

^$ 38

/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 Edmonds

The car insurance rate in Edmonds is $922 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Edmonds 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 Edmonds

$922

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Edmonds

1st place: Kemper

At $492 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $662 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 $684 for six months, making it the third cheapest auto insurance company in Edmonds.

Edmonds Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edmonds, WA is Kemper, offering policies at just $492 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $662.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $955 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edmonds drivers find the best deals.

Cheap Car Insurance Companies in Edmonds, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$492	$82
Nationwide	$662	$113
Auto-Owners Insurance Co	$684	$114
Chubb	$776	$132
Capital Insurance Group	$791	$132
State Farm	$827	$139
USAA	$856	$144
Progressive	$919	$155
PEMCO	$941	$158
American Family	$970	$163
Travelers	$1048	$176
Farmers	$1112	$187
Allstate	$1297	$218
Granwest P&C	$1610	$274
California Causality	$812	$138
Mutual of Enumclaw	$955	$162

Key Takeaways

Way's key takeaways about car insurance in Edmonds

The auto insurance costs in Edmonds fall around $492 for six months.
The cheapest auto insurance company in Edmonds is USAA.
Teen drivers pay the highest rate in Edmonds at $149 per month.

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Cheapest Minimum Liability Car Insurance in Edmonds

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 Edmonds are given below.

USAA provides the cheapest minimum car insurance coverage in Edmonds. Their Average 6 Month Premium is $228. California Causality is the most expensive at $286 for the same period.

Cheapest Liability Coverage in Edmonds, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$228	$38
California Casualty	$257	$43
Granwest P&C	$264	$44
PEMCO	$271	$46
Auto-Owners Insurance Co	$278	$47
Chubb	$328	$55
Travelers	$335	$56
Nationwide	$342	$58
Capital Insurance Group	$364	$60
State Farm	$364	$61
Progressive	$378	$64
American Family	$427	$72
Mutual of Enumclaw	$434	$72
Farmers	$456	$77
Allstate	$770	$130
Encompass	$250	$42
Grange	$257	$43
California Causality	$286	$48

Cheapest Full Coverage Car Insurance in Edmonds

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 Edmonds is Kemper at $82 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Edmonds, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$492	$82
Nationwide	$662	$113
Auto-Owners Insurance Co	$684	$114
Chubb	$776	$132
Capital Insurance Group	$791	$132
State Farm	$827	$139
USAA	$856	$144
Progressive	$919	$155
PEMCO	$941	$158
American Family	$970	$163
Travelers	$1048	$176
Farmers	$1112	$187
Allstate	$1297	$218
Granwest P&C	$1610	$274
California Causality	$812	$138
Mutual of Enumclaw	$955	$162

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Average Car Insurance in Edmonds 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 Edmonds, WA increasing?

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

Car Insurance Premiums by Age in Edmonds

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	$812
30s	PEMCO	$569
40s	PEMCO	$575
50s	PEMCO	$546
60s	PEMCO	$575
70s	PEMCO	$714

Cheapest Car Insurance Rates for Teen Drivers in Edmonds,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Edmonds at $67 per month. At $877 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$400	$67
Auto-Owners Insurance Co	$407	$70
Chubb	$456	$76
State Farm	$926	$156
American Family	$1219	$205
Progressive	$1397	$235
USAA	$1469	$247
Pemco	$1496	$252
Farmers	$2124	$358
Allstate	$2452	$413
California Causality	$877	$149

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 Edmonds.

As young drivers face the highest rates in Edmonds, PEMCO offers the cheapest auto insurance rates at $812 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 Edmonds, AutoOwners Insurance Co is the cheapest car insurance provider. At $278 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 Edmonds is California Causality, offering rates of around $655 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$278	$47
Chubb	$328	$55
Travelers	$335	$56
Nationwide	$392	$65
Kemper	$427	$73
American Family	$649	$109
Progressive	$756	$127
State Farm	$877	$148
Farmers	$970	$163
Pemco	$1120	$188
USAA	$1154	$197
Allstate	$2310	$385
National General	$470	$78
California Causality	$655	$112

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

Car Insurance Rates with An Accident in Edmonds

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

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

The cheapest car insurance companies after an at-fault accident in Edmonds include AutoOwners Insurance Co and Encompass, offering $356 and $407, respectively. California Causality is an expensive provider with an average six-month premium of $492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$60
Encompass	$407	$70
Chubb	$420	$71
Travelers	$506	$85
USAA	$541	$91
Kemper	$592	$101
State Farm	$798	$134
PEMCO	$877	$148
American Family	$955	$161
Capital Insurance Group	$1055	$179
Progressive	$1261	$212
Farmers	$1362	$229
Allstate	$2196	$370
California Causality	$492	$82

Edmonds Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edmonds WA. For example, the car insurance in Edmonds after a DUI increases to $977 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

Edmonds auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One Med/PIP claim	$1283	$218
Not-at-fault accident	$1326	$221
Two Med/PIP claims	$1326	$226
One comp claim	$1333	$222
Two comp claims	$1390	$236
Failure to show documents	$1532	$256
Child safety restraint	$1547	$263
Driving without lights	$1561	$260
Failure to wear a seat belt	$1561	$265
Speeding 11 - 15 MPH over limit	$1561	$260
Speeding 16 - 20 MPH over limit	$1561	$265
Speeding 6 - 10 MPH over limit	$1561	$260
Driving too slowly	$1576	$268
Driving with expired registration	$1576	$263
Cell phone violation	$1583	$269
Failure to yield	$1583	$264
Improper passing	$1583	$269
Texting while driving	$1583	$264
Wrong way/wrong lane	$1583	$269
Failure to stop at a red light	$1590	$265
Following too closely	$1590	$270
Illegal turn	$1590	$265
Speeding in school zone	$1661	$282
Passing school bus	$1668	$278
At-fault accident - less than $1000	$1690	$287
Speeding 21 - 25 MPH over limit	$1690	$282
Open container	$1697	$288
In 65 MPH zone	$1760	$294
At-fault accident - $1000-$2000	$1825	$311
At-fault accident - greater than $2000	$1832	$305
Operating a vehicle without permission	$1846	$314
Refusal to submit to a chemical test	$2209	$368
Reckless driving	$2216	$377
Driving with a suspended license	$2238	$373
DUI	$2260	$384
Racing	$2338	$390
Leaving scene of an accident/hit and run	$2352	$400

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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 Edmonds 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 Edmonds.

The cheapest car insurance premiums in Edmonds are offered by Chubb at $407 for a six-month policy. However, it can be as expensive as $434 with companies like National General.

Edmonds car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$407	$70
Auto-Owners Insurance Co	$514	$85
Travelers	$556	$94
American Family	$798	$134
Progressive	$884	$149
Pemco	$898	$151
USAA	$984	$166
State Farm	$1033	$174
Farmers	$1411	$238
Allstate	$2081	$350
Grange	$2182	$371
Cal Casualty	$2437	$407
National General	$434	$74

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 Edmonds are offered by Chubb at $356. However, it can be as expensive as $400 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Edmonds after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$356	$60
Auto-Owners Insurance Co	$371	$64
Travelers	$456	$76
State Farm	$556	$94
American Family	$798	$134
USAA	$870	$148
Pemco	$877	$148
Progressive	$1040	$175
Farmers	$1212	$204
Allstate	$1604	$272
California Causality	$400	$68

Car Insurance Price Trends in Edmonds, Washington

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

The average cost of full coverage in the Edmonds rose by $181 in December compared to $178 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 Edmonds rose to $61 in December, compared to $60 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 Edmonds?

The car insurance in Edmonds is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Edmonds?

The cheapest car insurance in Edmonds is $82 per month for full coverage.

How much is car insurance in Edmonds for teenagers?

Car insurance for teenagers costs $400 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 Edmonds?

The average cost of car insurance is $768 for a six-month policy. It will cost around $155 per month to insure your car in Edmonds.

Is car insurance expensive in Edmonds?

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

Cheapest Car Insurance Quotes in Edmonds

Why you can trust Way?

How Much Is Car Insurance in Edmonds

Avg. Car Insurance in Edmonds

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Edmonds

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Edmonds Car Insurance Rates by Company

Cheap Car Insurance Companies in Edmonds, WA

Way's key takeaways about car insurance in Edmonds

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Edmonds

Cheapest Liability Coverage in Edmonds, WA

Cheapest Full Coverage Car Insurance in Edmonds

Cheapest Full Coverage Car Insurance Quotes in Edmonds, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Edmonds by Rating Factor

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

Car Insurance Premiums by Age in Edmonds

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Edmonds,WA

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

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 Edmonds

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

Edmonds Car Insurance Rates by Violation

Edmonds auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Edmonds after a DUI

Edmonds car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Edmonds after Speeding ticket

Car Insurance Price Trends in Edmonds, Washington

Average Car Insurance Cost in Edmonds by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Edmonds, WA

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

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