Cheapest Car Insurance Quotes in Friday Harbor

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Friday Harbor Car Insurance

^$ 27

/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 Friday Harbor

The car insurance rate in Friday Harbor is $645 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $344, making it a popular choice for budget-conscious drivers. Rates in Friday 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.

Avg. Car Insurance in Friday Harbor

$645

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Friday Harbor

1st place: Kemper

At $344 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $464 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 $479 for six months, making it the third cheapest auto insurance company in Friday Harbor.

Friday Harbor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Friday Harbor, WA is Kemper, offering policies at just $344 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $464.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Friday Harbor drivers find the best deals.

Cheap Car Insurance Companies in Friday Harbor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$344	$57
Nationwide	$464	$79
Auto-Owners Insurance Co	$479	$80
Chubb	$543	$92
Capital Insurance Group	$554	$92
State Farm	$579	$97
USAA	$599	$101
Progressive	$643	$108
PEMCO	$659	$111
American Family	$679	$114
Travelers	$733	$123
Farmers	$779	$131
Allstate	$908	$153
Granwest P&C	$1127	$192
California Causality	$569	$97
Mutual of Enumclaw	$669	$113

Key Takeaways

Way's key takeaways about car insurance in Friday Harbor

The auto insurance costs in Friday Harbor fall around $344 for six months.
The cheapest auto insurance company in Friday Harbor is USAA.
Teen drivers pay the highest rate in Friday Harbor at $104 per month.

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Cheapest Minimum Liability Car Insurance in Friday 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 Friday Harbor are given below.

USAA provides the cheapest minimum car insurance coverage in Friday Harbor. Their Average 6 Month Premium is $160. California Causality is the most expensive at $200 for the same period.

Cheapest Liability Coverage in Friday Harbor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
California Casualty	$180	$30
Granwest P&C	$185	$31
PEMCO	$190	$32
Auto-Owners Insurance Co	$195	$33
Chubb	$229	$39
Travelers	$234	$39
Nationwide	$239	$40
Capital Insurance Group	$255	$42
State Farm	$255	$43
Progressive	$265	$45
American Family	$299	$50
Mutual of Enumclaw	$304	$50
Farmers	$319	$54
Allstate	$539	$91
Encompass	$175	$29
Grange	$180	$30
California Causality	$200	$34

Cheapest Full Coverage Car Insurance in Friday 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 Friday Harbor is Kemper at $57 per month and $344 for six months.

Cheapest Full Coverage Car Insurance Quotes in Friday Harbor, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$344	$57
Nationwide	$464	$79
Auto-Owners Insurance Co	$479	$80
Chubb	$543	$92
Capital Insurance Group	$554	$92
State Farm	$579	$97
USAA	$599	$101
Progressive	$643	$108
PEMCO	$659	$111
American Family	$679	$114
Travelers	$733	$123
Farmers	$779	$131
Allstate	$908	$153
Granwest P&C	$1127	$192
California Causality	$569	$97
Mutual of Enumclaw	$669	$113

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Average Car Insurance in Friday 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 Friday Harbor, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Friday 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, Friday 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 Friday 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	$569
30s	PEMCO	$398
40s	PEMCO	$402
50s	PEMCO	$382
60s	PEMCO	$402
70s	PEMCO	$500

Cheapest Car Insurance Rates for Teen Drivers in Friday Harbor,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Friday Harbor at $47 per month. At $614 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$280	$47
Auto-Owners Insurance Co	$285	$49
Chubb	$319	$53
State Farm	$648	$109
American Family	$853	$144
Progressive	$978	$165
USAA	$1028	$173
Pemco	$1047	$176
Farmers	$1487	$250
Allstate	$1716	$289
California Causality	$614	$104

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 Friday Harbor.

As young drivers face the highest rates in Friday Harbor, PEMCO offers the cheapest auto insurance rates at $569 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 Friday Harbor, AutoOwners Insurance Co is the cheapest car insurance provider. At $195 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 Friday Harbor is California Causality, offering rates of around $459 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$195	$33
Chubb	$229	$39
Travelers	$234	$39
Nationwide	$275	$45
Kemper	$299	$51
American Family	$454	$76
Progressive	$529	$89
State Farm	$614	$103
Farmers	$679	$114
Pemco	$784	$132
USAA	$808	$138
Allstate	$1617	$270
National General	$329	$55
California Causality	$459	$78

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

Car Insurance Rates with An Accident in Friday 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 Friday Harbor, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Friday Harbor

The cheapest car insurance companies after an at-fault accident in Friday Harbor include AutoOwners Insurance Co and Encompass, offering $249 and $285, respectively. California Causality is an expensive provider with an average six-month premium of $344.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$249	$42
Encompass	$285	$49
Chubb	$294	$50
Travelers	$354	$60
USAA	$379	$64
Kemper	$414	$71
State Farm	$559	$94
PEMCO	$614	$103
American Family	$669	$113
Capital Insurance Group	$738	$125
Progressive	$883	$149
Farmers	$953	$160
Allstate	$1537	$259
California Causality	$344	$57

Friday Harbor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Friday Harbor WA. For example, the car insurance in Friday Harbor after a DUI increases to $684 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Friday Harbor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$898	$150
One Med/PIP claim	$898	$153
Not-at-fault accident	$928	$155
Two Med/PIP claims	$928	$158
One comp claim	$933	$155
Two comp claims	$973	$165
Failure to show documents	$1073	$179
Child safety restraint	$1083	$184
Driving without lights	$1093	$182
Failure to wear a seat belt	$1093	$186
Speeding 11 - 15 MPH over limit	$1093	$182
Speeding 16 - 20 MPH over limit	$1093	$186
Speeding 6 - 10 MPH over limit	$1093	$182
Driving too slowly	$1103	$187
Driving with expired registration	$1103	$184
Cell phone violation	$1108	$188
Failure to yield	$1108	$185
Improper passing	$1108	$188
Texting while driving	$1108	$185
Wrong way/wrong lane	$1108	$188
Failure to stop at a red light	$1113	$186
Following too closely	$1113	$189
Illegal turn	$1113	$186
Speeding in school zone	$1163	$197
Passing school bus	$1168	$195
At-fault accident - less than $1000	$1183	$201
Speeding 21 - 25 MPH over limit	$1183	$197
Open container	$1188	$202
In 65 MPH zone	$1232	$206
At-fault accident - $1000-$2000	$1278	$218
At-fault accident - greater than $2000	$1283	$213
Operating a vehicle without permission	$1292	$220
Refusal to submit to a chemical test	$1546	$258
Reckless driving	$1551	$264
Driving with a suspended license	$1567	$261
DUI	$1582	$269
Racing	$1636	$273
Leaving scene of an accident/hit and run	$1646	$280

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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 Friday 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 Friday Harbor.

The cheapest car insurance premiums in Friday Harbor are offered by Chubb at $285 for a six-month policy. However, it can be as expensive as $304 with companies like National General.

Friday Harbor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$49
Auto-Owners Insurance Co	$360	$60
Travelers	$389	$66
American Family	$559	$94
Progressive	$619	$104
Pemco	$628	$106
USAA	$689	$116
State Farm	$723	$122
Farmers	$988	$166
Allstate	$1457	$245
Grange	$1527	$260
Cal Casualty	$1706	$285
National General	$304	$52

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 Friday Harbor are offered by Chubb at $249. However, it can be as expensive as $280 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Friday Harbor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$249	$42
Auto-Owners Insurance Co	$260	$45
Travelers	$319	$53
State Farm	$389	$66
American Family	$559	$94
USAA	$609	$103
Pemco	$614	$103
Progressive	$728	$123
Farmers	$848	$143
Allstate	$1123	$191
California Causality	$280	$48

Car Insurance Price Trends in Friday Harbor, Washington

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

The average cost of full coverage in the Friday Harbor rose by $127 in December compared to $124 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 Friday Harbor rose to $43 in December, compared to $42 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 Friday Harbor?

The car insurance in Friday Harbor is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Friday Harbor?

The cheapest car insurance in Friday Harbor is $57 per month for full coverage.

How much is car insurance in Friday Harbor for teenagers?

Car insurance for teenagers costs $280 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 Friday Harbor?

The average cost of car insurance is $768 for a six-month policy. It will cost around $108 per month to insure your car in Friday Harbor.

Is car insurance expensive in Friday Harbor?

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

Cheapest Car Insurance Quotes in Friday Harbor

Why you can trust Way?

How Much Is Car Insurance in Friday Harbor

Avg. Car Insurance in Friday Harbor

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Friday Harbor

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Friday Harbor Car Insurance Rates by Company

Cheap Car Insurance Companies in Friday Harbor, WA

Way's key takeaways about car insurance in Friday Harbor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Friday Harbor

Cheapest Liability Coverage in Friday Harbor, WA

Cheapest Full Coverage Car Insurance in Friday Harbor

Cheapest Full Coverage Car Insurance Quotes in Friday Harbor, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Friday Harbor by Rating Factor

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

Car Insurance Premiums by Age in Friday Harbor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Friday Harbor,WA

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

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 Friday Harbor

Cheapest Car Insurance Companies after an At-Fault Accident in Friday Harbor

Friday Harbor Car Insurance Rates by Violation

Friday Harbor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Friday Harbor after a DUI

Friday Harbor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Friday Harbor after Speeding ticket

Car Insurance Price Trends in Friday Harbor, Washington

Average Car Insurance Cost in Friday Harbor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Friday Harbor, WA

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

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