Cheapest Car Insurance Quotes in Fairwood

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Fairwood Car Insurance

^$ 37

/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 Fairwood

The car insurance rate in Fairwood is $883 for a six-month policy, which is $115 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Fairwood 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 Fairwood

$883

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Fairwood

1st place: Kemper

At $471 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $635 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 $656 for six months, making it the third cheapest auto insurance company in Fairwood.

Fairwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairwood, WA is Kemper, offering policies at just $471 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $635.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairwood drivers find the best deals.

Cheap Car Insurance Companies in Fairwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$471	$78
Nationwide	$635	$108
Auto-Owners Insurance Co	$656	$109
Chubb	$744	$126
Capital Insurance Group	$758	$126
State Farm	$792	$133
USAA	$820	$138
Progressive	$881	$148
PEMCO	$902	$152
American Family	$929	$156
Travelers	$1004	$169
Farmers	$1066	$179
Allstate	$1243	$209
Granwest P&C	$1543	$262
California Causality	$779	$132
Mutual of Enumclaw	$915	$155

Key Takeaways

Way's key takeaways about car insurance in Fairwood

The auto insurance costs in Fairwood fall around $471 for six months.
The cheapest auto insurance company in Fairwood is USAA.
Teen drivers pay the highest rate in Fairwood at $143 per month.

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Cheapest Minimum Liability Car Insurance in Fairwood

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 Fairwood are given below.

USAA provides the cheapest minimum car insurance coverage in Fairwood. Their Average 6 Month Premium is $218. California Causality is the most expensive at $274 for the same period.

Cheapest Liability Coverage in Fairwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$218	$37
California Casualty	$246	$41
Granwest P&C	$253	$43
PEMCO	$260	$44
Auto-Owners Insurance Co	$267	$45
Chubb	$314	$53
Travelers	$321	$54
Nationwide	$328	$55
Capital Insurance Group	$348	$57
State Farm	$348	$59
Progressive	$362	$61
American Family	$409	$69
Mutual of Enumclaw	$416	$69
Farmers	$437	$74
Allstate	$738	$124
Encompass	$239	$40
Grange	$246	$41
California Causality	$274	$46

Cheapest Full Coverage Car Insurance in Fairwood

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 Fairwood is Kemper at $78 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$471	$78
Nationwide	$635	$108
Auto-Owners Insurance Co	$656	$109
Chubb	$744	$126
Capital Insurance Group	$758	$126
State Farm	$792	$133
USAA	$820	$138
Progressive	$881	$148
PEMCO	$902	$152
American Family	$929	$156
Travelers	$1004	$169
Farmers	$1066	$179
Allstate	$1243	$209
Granwest P&C	$1543	$262
California Causality	$779	$132
Mutual of Enumclaw	$915	$155

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Average Car Insurance in Fairwood 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 Fairwood, WA increasing?

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

Car Insurance Premiums by Age in Fairwood

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	$779
30s	PEMCO	$545
40s	PEMCO	$551
50s	PEMCO	$523
60s	PEMCO	$551
70s	PEMCO	$684

Cheapest Car Insurance Rates for Teen Drivers in Fairwood,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Fairwood at $64 per month. At $841 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$383	$64
Auto-Owners Insurance Co	$390	$67
Chubb	$437	$72
State Farm	$888	$150
American Family	$1168	$197
Progressive	$1339	$225
USAA	$1408	$237
Pemco	$1434	$241
Farmers	$2035	$343
Allstate	$2349	$396
California Causality	$841	$143

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 Fairwood.

As young drivers face the highest rates in Fairwood, PEMCO offers the cheapest auto insurance rates at $779 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 Fairwood, AutoOwners Insurance Co is the cheapest car insurance provider. At $267 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 Fairwood is California Causality, offering rates of around $628 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$45
Chubb	$314	$53
Travelers	$321	$54
Nationwide	$376	$62
Kemper	$409	$70
American Family	$622	$105
Progressive	$725	$122
State Farm	$841	$141
Farmers	$929	$156
Pemco	$1073	$181
USAA	$1106	$189
Allstate	$2214	$369
National General	$451	$75
California Causality	$628	$107

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

Car Insurance Rates with An Accident in Fairwood

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

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

The cheapest car insurance companies after an at-fault accident in Fairwood include AutoOwners Insurance Co and Encompass, offering $342 and $390, respectively. California Causality is an expensive provider with an average six-month premium of $471.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
Encompass	$390	$67
Chubb	$402	$68
Travelers	$485	$82
USAA	$519	$87
Kemper	$567	$97
State Farm	$765	$129
PEMCO	$841	$141
American Family	$915	$154
Capital Insurance Group	$1011	$171
Progressive	$1209	$204
Farmers	$1305	$220
Allstate	$2105	$354
California Causality	$471	$78

Fairwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairwood WA. For example, the car insurance in Fairwood after a DUI increases to $936 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Fairwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1229	$205
One Med/PIP claim	$1229	$209
Not-at-fault accident	$1271	$212
Two Med/PIP claims	$1271	$216
One comp claim	$1278	$213
Two comp claims	$1332	$227
Failure to show documents	$1469	$245
Child safety restraint	$1482	$252
Driving without lights	$1496	$250
Failure to wear a seat belt	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Driving too slowly	$1510	$256
Driving with expired registration	$1510	$252
Cell phone violation	$1517	$258
Failure to yield	$1517	$253
Improper passing	$1517	$258
Texting while driving	$1517	$253
Wrong way/wrong lane	$1517	$258
Failure to stop at a red light	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Speeding in school zone	$1592	$270
Passing school bus	$1598	$267
At-fault accident - less than $1000	$1619	$275
Speeding 21 - 25 MPH over limit	$1619	$270
Open container	$1626	$276
In 65 MPH zone	$1687	$282
At-fault accident - $1000-$2000	$1749	$298
At-fault accident - greater than $2000	$1756	$292
Operating a vehicle without permission	$1769	$301
Refusal to submit to a chemical test	$2117	$353
Reckless driving	$2124	$361
Driving with a suspended license	$2145	$358
DUI	$2165	$368
Racing	$2240	$374
Leaving scene of an accident/hit and run	$2254	$383

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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 Fairwood 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 Fairwood.

The cheapest car insurance premiums in Fairwood are offered by Chubb at $390 for a six-month policy. However, it can be as expensive as $416 with companies like National General.

Fairwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$390	$67
Auto-Owners Insurance Co	$492	$82
Travelers	$532	$90
American Family	$765	$129
Progressive	$848	$143
Pemco	$860	$145
USAA	$943	$159
State Farm	$990	$167
Farmers	$1352	$228
Allstate	$1994	$336
Grange	$2091	$355
Cal Casualty	$2336	$390
National General	$416	$71

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 Fairwood are offered by Chubb at $342. However, it can be as expensive as $383 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Fairwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$342	$57
Auto-Owners Insurance Co	$355	$61
Travelers	$437	$72
State Farm	$532	$90
American Family	$765	$129
USAA	$834	$141
Pemco	$841	$141
Progressive	$997	$168
Farmers	$1162	$195
Allstate	$1538	$261
California Causality	$383	$66

Car Insurance Price Trends in Fairwood, Washington

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

The average cost of full coverage in the Fairwood rose by $174 in December compared to $170 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 Fairwood rose to $59 in December, compared to $57 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fairwood?

The car insurance in Fairwood is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Fairwood?

The cheapest car insurance in Fairwood is $78 per month for full coverage.

How much is car insurance in Fairwood for teenagers?

Car insurance for teenagers costs $383 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 Fairwood?

The average cost of car insurance is $768 for a six-month policy. It will cost around $148 per month to insure your car in Fairwood.

Is car insurance expensive in Fairwood?

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

Cheapest Car Insurance Quotes in Fairwood

Why you can trust Way?

How Much Is Car Insurance in Fairwood

Avg. Car Insurance in Fairwood

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Fairwood

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Fairwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairwood, WA

Way's key takeaways about car insurance in Fairwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairwood

Cheapest Liability Coverage in Fairwood, WA

Cheapest Full Coverage Car Insurance in Fairwood

Cheapest Full Coverage Car Insurance Quotes in Fairwood, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairwood by Rating Factor

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

Car Insurance Premiums by Age in Fairwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairwood,WA

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

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 Fairwood

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

Fairwood Car Insurance Rates by Violation

Fairwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairwood after a DUI

Fairwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairwood after Speeding ticket

Car Insurance Price Trends in Fairwood, Washington

Average Car Insurance Cost in Fairwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairwood, WA

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

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