Cheapest Car Insurance Quotes in Fircrest

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Fircrest Car Insurance

^$ 39

/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 Fircrest

The car insurance rate in Fircrest is $929 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $496, making it a popular choice for budget-conscious drivers. Rates in Fircrest 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 Fircrest

$929

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Fircrest

1st place: Kemper

At $496 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $668 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 $690 for six months, making it the third cheapest auto insurance company in Fircrest.

Fircrest Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fircrest, WA is Kemper, offering policies at just $496 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $668.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $963 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fircrest drivers find the best deals.

Cheap Car Insurance Companies in Fircrest, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$496	$82
Nationwide	$668	$114
Auto-Owners Insurance Co	$690	$115
Chubb	$783	$133
Capital Insurance Group	$797	$133
State Farm	$834	$140
USAA	$863	$145
Progressive	$927	$156
PEMCO	$949	$160
American Family	$978	$165
Travelers	$1056	$178
Farmers	$1122	$189
Allstate	$1308	$220
Granwest P&C	$1624	$276
California Causality	$819	$139
Mutual of Enumclaw	$963	$163

Key Takeaways

Way's key takeaways about car insurance in Fircrest

The auto insurance costs in Fircrest fall around $496 for six months.
The cheapest auto insurance company in Fircrest is USAA.
Teen drivers pay the highest rate in Fircrest at $150 per month.

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Cheapest Minimum Liability Car Insurance in Fircrest

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 Fircrest are given below.

USAA provides the cheapest minimum car insurance coverage in Fircrest. Their Average 6 Month Premium is $230. California Causality is the most expensive at $288 for the same period.

Cheapest Liability Coverage in Fircrest, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$230	$39
California Casualty	$259	$44
Granwest P&C	$266	$45
PEMCO	$273	$46
Auto-Owners Insurance Co	$281	$47
Chubb	$330	$56
Travelers	$338	$57
Nationwide	$345	$58
Capital Insurance Group	$367	$61
State Farm	$367	$62
Progressive	$381	$64
American Family	$431	$73
Mutual of Enumclaw	$438	$73
Farmers	$460	$77
Allstate	$777	$131
Encompass	$252	$42
Grange	$259	$44
California Causality	$288	$48

Cheapest Full Coverage Car Insurance in Fircrest

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 Fircrest is Kemper at $82 per month and $496 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fircrest, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$496	$82
Nationwide	$668	$114
Auto-Owners Insurance Co	$690	$115
Chubb	$783	$133
Capital Insurance Group	$797	$133
State Farm	$834	$140
USAA	$863	$145
Progressive	$927	$156
PEMCO	$949	$160
American Family	$978	$165
Travelers	$1056	$178
Farmers	$1122	$189
Allstate	$1308	$220
Granwest P&C	$1624	$276
California Causality	$819	$139
Mutual of Enumclaw	$963	$163

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Average Car Insurance in Fircrest 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 Fircrest, WA increasing?

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

Car Insurance Premiums by Age in Fircrest

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	$819
30s	PEMCO	$574
40s	PEMCO	$580
50s	PEMCO	$551
60s	PEMCO	$580
70s	PEMCO	$720

Cheapest Car Insurance Rates for Teen Drivers in Fircrest,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Fircrest at $68 per month. At $885 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$403	$68
Auto-Owners Insurance Co	$410	$70
Chubb	$460	$76
State Farm	$934	$157
American Family	$1229	$207
Progressive	$1408	$237
USAA	$1481	$249
Pemco	$1509	$254
Farmers	$2142	$361
Allstate	$2472	$416
California Causality	$885	$150

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 Fircrest.

As young drivers face the highest rates in Fircrest, PEMCO offers the cheapest auto insurance rates at $819 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 Fircrest, AutoOwners Insurance Co is the cheapest car insurance provider. At $281 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 Fircrest is California Causality, offering rates of around $661 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$47
Chubb	$330	$56
Travelers	$338	$57
Nationwide	$396	$65
Kemper	$431	$74
American Family	$655	$110
Progressive	$762	$128
State Farm	$885	$149
Farmers	$978	$165
Pemco	$1129	$190
USAA	$1164	$198
Allstate	$2329	$388
National General	$474	$79
California Causality	$661	$113

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

Car Insurance Rates with An Accident in Fircrest

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

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

The cheapest car insurance companies after an at-fault accident in Fircrest include AutoOwners Insurance Co and Encompass, offering $359 and $410, respectively. California Causality is an expensive provider with an average six-month premium of $496.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$359	$61
Encompass	$410	$70
Chubb	$424	$71
Travelers	$511	$86
USAA	$546	$92
Kemper	$597	$102
State Farm	$805	$136
PEMCO	$885	$149
American Family	$963	$162
Capital Insurance Group	$1064	$180
Progressive	$1272	$214
Farmers	$1373	$231
Allstate	$2214	$373
California Causality	$496	$82

Fircrest Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fircrest WA. For example, the car insurance in Fircrest after a DUI increases to $985 for a six month policy. While the rate increases by $281 for a six-month policy in the case of a speeding ticket.

Fircrest auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1293	$215
One Med/PIP claim	$1293	$220
Not-at-fault accident	$1337	$223
Two Med/PIP claims	$1337	$227
One comp claim	$1344	$224
Two comp claims	$1401	$238
Failure to show documents	$1545	$258
Child safety restraint	$1560	$265
Driving without lights	$1574	$263
Failure to wear a seat belt	$1574	$267
Speeding 11 - 15 MPH over limit	$1574	$263
Speeding 16 - 20 MPH over limit	$1574	$267
Speeding 6 - 10 MPH over limit	$1574	$263
Driving too slowly	$1589	$270
Driving with expired registration	$1589	$265
Cell phone violation	$1596	$271
Failure to yield	$1596	$266
Improper passing	$1596	$271
Texting while driving	$1596	$266
Wrong way/wrong lane	$1596	$271
Failure to stop at a red light	$1603	$267
Following too closely	$1603	$272
Illegal turn	$1603	$267
Speeding in school zone	$1675	$284
Passing school bus	$1682	$281
At-fault accident - less than $1000	$1704	$289
Speeding 21 - 25 MPH over limit	$1704	$284
Open container	$1711	$290
In 65 MPH zone	$1775	$296
At-fault accident - $1000-$2000	$1840	$313
At-fault accident - greater than $2000	$1848	$307
Operating a vehicle without permission	$1861	$317
Refusal to submit to a chemical test	$2228	$371
Reckless driving	$2235	$380
Driving with a suspended license	$2257	$376
DUI	$2278	$387
Racing	$2357	$393
Leaving scene of an accident/hit and run	$2372	$403

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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 Fircrest 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 Fircrest.

The cheapest car insurance premiums in Fircrest are offered by Chubb at $410 for a six-month policy. However, it can be as expensive as $438 with companies like National General.

Fircrest car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$410	$70
Auto-Owners Insurance Co	$518	$86
Travelers	$560	$94
American Family	$805	$136
Progressive	$892	$150
Pemco	$905	$152
USAA	$992	$167
State Farm	$1042	$175
Farmers	$1423	$240
Allstate	$2098	$353
Grange	$2200	$374
Cal Casualty	$2458	$410
National General	$438	$75

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 Fircrest are offered by Chubb at $359. However, it can be as expensive as $403 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Fircrest after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$359	$61
Auto-Owners Insurance Co	$374	$64
Travelers	$460	$76
State Farm	$560	$94
American Family	$805	$136
USAA	$877	$149
Pemco	$885	$149
Progressive	$1049	$177
Farmers	$1222	$206
Allstate	$1618	$275
California Causality	$403	$69

Car Insurance Price Trends in Fircrest, Washington

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

The average cost of full coverage in the Fircrest rose by $183 in December compared to $179 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 Fircrest rose to $62 in December, compared to $61 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 Fircrest?

The car insurance in Fircrest is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Fircrest?

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

How much is car insurance in Fircrest for teenagers?

Car insurance for teenagers costs $403 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 Fircrest?

The average cost of car insurance is $768 for a six-month policy. It will cost around $156 per month to insure your car in Fircrest.

Is car insurance expensive in Fircrest?

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

Cheapest Car Insurance Quotes in Fircrest

Why you can trust Way?

How Much Is Car Insurance in Fircrest

Avg. Car Insurance in Fircrest

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Fircrest

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Fircrest Car Insurance Rates by Company

Cheap Car Insurance Companies in Fircrest, WA

Way's key takeaways about car insurance in Fircrest

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fircrest

Cheapest Liability Coverage in Fircrest, WA

Cheapest Full Coverage Car Insurance in Fircrest

Cheapest Full Coverage Car Insurance Quotes in Fircrest, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fircrest by Rating Factor

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

Car Insurance Premiums by Age in Fircrest

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fircrest,WA

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

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 Fircrest

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

Fircrest Car Insurance Rates by Violation

Fircrest auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fircrest after a DUI

Fircrest car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fircrest after Speeding ticket

Car Insurance Price Trends in Fircrest, Washington

Average Car Insurance Cost in Fircrest by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fircrest, WA

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

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