Cheapest Car Insurance Quotes in Esperance

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Esperance 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 Esperance

The car insurance rate in Esperance is $914 for a six-month policy, which is $146 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Esperance 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 Esperance

$914

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Esperance

1st place: Kemper

At $488 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $657 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 $678 for six months, making it the third cheapest auto insurance company in Esperance.

Esperance Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Esperance, WA is Kemper, offering policies at just $488 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $657.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $947 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Esperance drivers find the best deals.

Cheap Car Insurance Companies in Esperance, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$488	$81
Nationwide	$657	$112
Auto-Owners Insurance Co	$678	$113
Chubb	$770	$131
Capital Insurance Group	$784	$131
State Farm	$820	$138
USAA	$848	$143
Progressive	$912	$154
PEMCO	$933	$157
American Family	$962	$162
Travelers	$1039	$175
Farmers	$1103	$186
Allstate	$1286	$217
Granwest P&C	$1597	$271
California Causality	$806	$137
Mutual of Enumclaw	$947	$161

Key Takeaways

Way's key takeaways about car insurance in Esperance

The auto insurance costs in Esperance fall around $488 for six months.
The cheapest auto insurance company in Esperance is USAA.
Teen drivers pay the highest rate in Esperance at $148 per month.

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Cheapest Minimum Liability Car Insurance in Esperance

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 Esperance are given below.

USAA provides the cheapest minimum car insurance coverage in Esperance. Their Average 6 Month Premium is $226. California Causality is the most expensive at $283 for the same period.

Cheapest Liability Coverage in Esperance, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$226	$38
California Casualty	$255	$43
Granwest P&C	$262	$44
PEMCO	$269	$45
Auto-Owners Insurance Co	$276	$46
Chubb	$325	$55
Travelers	$332	$56
Nationwide	$339	$57
Capital Insurance Group	$361	$60
State Farm	$361	$61
Progressive	$375	$63
American Family	$424	$71
Mutual of Enumclaw	$431	$71
Farmers	$452	$76
Allstate	$764	$129
Encompass	$248	$42
Grange	$255	$43
California Causality	$283	$48

Cheapest Full Coverage Car Insurance in Esperance

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 Esperance is Kemper at $81 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Esperance, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$488	$81
Nationwide	$657	$112
Auto-Owners Insurance Co	$678	$113
Chubb	$770	$131
Capital Insurance Group	$784	$131
State Farm	$820	$138
USAA	$848	$143
Progressive	$912	$154
PEMCO	$933	$157
American Family	$962	$162
Travelers	$1039	$175
Farmers	$1103	$186
Allstate	$1286	$217
Granwest P&C	$1597	$271
California Causality	$806	$137
Mutual of Enumclaw	$947	$161

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Average Car Insurance in Esperance 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 Esperance, WA increasing?

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

Car Insurance Premiums by Age in Esperance

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	$806
30s	PEMCO	$564
40s	PEMCO	$570
50s	PEMCO	$541
60s	PEMCO	$570
70s	PEMCO	$708

Cheapest Car Insurance Rates for Teen Drivers in Esperance,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Esperance at $67 per month. At $870 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$396	$67
Auto-Owners Insurance Co	$403	$69
Chubb	$452	$75
State Farm	$919	$155
American Family	$1209	$203
Progressive	$1385	$233
USAA	$1457	$245
Pemco	$1484	$250
Farmers	$2106	$355
Allstate	$2431	$409
California Causality	$870	$148

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 Esperance.

As young drivers face the highest rates in Esperance, PEMCO offers the cheapest auto insurance rates at $806 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 Esperance, AutoOwners Insurance Co is the cheapest car insurance provider. At $276 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 Esperance is California Causality, offering rates of around $650 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$46
Chubb	$325	$55
Travelers	$332	$56
Nationwide	$389	$64
Kemper	$424	$73
American Family	$644	$108
Progressive	$750	$126
State Farm	$870	$146
Farmers	$962	$162
Pemco	$1110	$187
USAA	$1145	$195
Allstate	$2291	$382
National General	$466	$77
California Causality	$650	$111

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Car Insurance Rates with An Accident in Esperance

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

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

The cheapest car insurance companies after an at-fault accident in Esperance include AutoOwners Insurance Co and Encompass, offering $353 and $403, respectively. California Causality is an expensive provider with an average six-month premium of $488.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$353	$60
Encompass	$403	$69
Chubb	$417	$70
Travelers	$502	$84
USAA	$537	$90
Kemper	$587	$100
State Farm	$791	$133
PEMCO	$870	$146
American Family	$947	$159
Capital Insurance Group	$1046	$177
Progressive	$1251	$211
Farmers	$1351	$227
Allstate	$2178	$367
California Causality	$488	$81

Esperance Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Esperance WA. For example, the car insurance in Esperance after a DUI increases to $969 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.

Esperance auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
One Med/PIP claim	$1272	$217
Not-at-fault accident	$1315	$219
Two Med/PIP claims	$1315	$224
One comp claim	$1322	$220
Two comp claims	$1378	$234
Failure to show documents	$1520	$253
Child safety restraint	$1534	$261
Driving without lights	$1548	$258
Failure to wear a seat belt	$1548	$263
Speeding 11 - 15 MPH over limit	$1548	$258
Speeding 16 - 20 MPH over limit	$1548	$263
Speeding 6 - 10 MPH over limit	$1548	$258
Driving too slowly	$1562	$265
Driving with expired registration	$1562	$261
Cell phone violation	$1570	$267
Failure to yield	$1570	$262
Improper passing	$1570	$267
Texting while driving	$1570	$262
Wrong way/wrong lane	$1570	$267
Failure to stop at a red light	$1577	$263
Following too closely	$1577	$268
Illegal turn	$1577	$263
Speeding in school zone	$1647	$280
Passing school bus	$1654	$276
At-fault accident - less than $1000	$1676	$284
Speeding 21 - 25 MPH over limit	$1676	$280
Open container	$1683	$286
In 65 MPH zone	$1746	$292
At-fault accident - $1000-$2000	$1810	$308
At-fault accident - greater than $2000	$1817	$302
Operating a vehicle without permission	$1830	$312
Refusal to submit to a chemical test	$2191	$365
Reckless driving	$2198	$374
Driving with a suspended license	$2219	$370
DUI	$2241	$381
Racing	$2318	$387
Leaving scene of an accident/hit and run	$2332	$396

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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 Esperance 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 Esperance.

The cheapest car insurance premiums in Esperance are offered by Chubb at $403 for a six-month policy. However, it can be as expensive as $431 with companies like National General.

Esperance car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$403	$69
Auto-Owners Insurance Co	$509	$84
Travelers	$551	$93
American Family	$791	$133
Progressive	$877	$148
Pemco	$890	$150
USAA	$976	$164
State Farm	$1025	$173
Farmers	$1399	$236
Allstate	$2063	$347
Grange	$2163	$368
Cal Casualty	$2417	$403
National General	$431	$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 Esperance are offered by Chubb at $353. However, it can be as expensive as $396 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Esperance after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$353	$60
Auto-Owners Insurance Co	$368	$63
Travelers	$452	$75
State Farm	$551	$93
American Family	$791	$133
USAA	$863	$146
Pemco	$870	$146
Progressive	$1032	$174
Farmers	$1202	$202
Allstate	$1591	$270
California Causality	$396	$68

Car Insurance Price Trends in Esperance, Washington

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

The average cost of full coverage in the Esperance rose by $180 in December compared to $176 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Esperance 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 Esperance?

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

What is the cheapest car insurance in Esperance?

The cheapest car insurance in Esperance is $81 per month for full coverage.

How much is car insurance in Esperance for teenagers?

Car insurance for teenagers costs $396 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 Esperance?

The average cost of car insurance is $768 for a six-month policy. It will cost around $154 per month to insure your car in Esperance.

Is car insurance expensive in Esperance?

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

Cheapest Car Insurance Quotes in Esperance

Why you can trust Way?

How Much Is Car Insurance in Esperance

Avg. Car Insurance in Esperance

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Esperance

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Esperance Car Insurance Rates by Company

Cheap Car Insurance Companies in Esperance, WA

Way's key takeaways about car insurance in Esperance

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Esperance

Cheapest Liability Coverage in Esperance, WA

Cheapest Full Coverage Car Insurance in Esperance

Cheapest Full Coverage Car Insurance Quotes in Esperance, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Esperance by Rating Factor

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

Car Insurance Premiums by Age in Esperance

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Esperance,WA

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

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 Esperance

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

Esperance Car Insurance Rates by Violation

Esperance auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Esperance after a DUI

Esperance car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Esperance after Speeding ticket

Car Insurance Price Trends in Esperance, Washington

Average Car Insurance Cost in Esperance by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Esperance, WA

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

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