Cheapest Car Insurance Quotes in Grays River

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Grays River Car Insurance

^$ 32

/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 Grays River

The car insurance rate in Grays River is $760 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $406, making it a popular choice for budget-conscious drivers. Rates in Grays River 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 Grays River

$760

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Grays River

1st place: Kemper

At $406 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $546 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 $564 for six months, making it the third cheapest auto insurance company in Grays River.

Grays River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grays River, WA is Kemper, offering policies at just $406 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $546.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $788 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grays River drivers find the best deals.

Cheap Car Insurance Companies in Grays River, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$406	$67
Nationwide	$546	$93
Auto-Owners Insurance Co	$564	$94
Chubb	$641	$109
Capital Insurance Group	$652	$109
State Farm	$682	$115
USAA	$706	$119
Progressive	$758	$128
PEMCO	$776	$131
American Family	$800	$135
Travelers	$864	$146
Farmers	$918	$154
Allstate	$1070	$180
Granwest P&C	$1329	$226
California Causality	$670	$114
Mutual of Enumclaw	$788	$134

Key Takeaways

Way's key takeaways about car insurance in Grays River

The auto insurance costs in Grays River fall around $406 for six months.
The cheapest auto insurance company in Grays River is USAA.
Teen drivers pay the highest rate in Grays River at $123 per month.

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Cheapest Minimum Liability Car Insurance in Grays River

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 Grays River are given below.

USAA provides the cheapest minimum car insurance coverage in Grays River. Their Average 6 Month Premium is $188. California Causality is the most expensive at $236 for the same period.

Cheapest Liability Coverage in Grays River, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$188	$32
California Casualty	$212	$36
Granwest P&C	$218	$37
PEMCO	$224	$38
Auto-Owners Insurance Co	$230	$39
Chubb	$270	$46
Travelers	$276	$47
Nationwide	$282	$48
Capital Insurance Group	$300	$50
State Farm	$300	$50
Progressive	$312	$52
American Family	$352	$59
Mutual of Enumclaw	$358	$59
Farmers	$376	$63
Allstate	$636	$107
Encompass	$206	$35
Grange	$212	$36
California Causality	$236	$40

Cheapest Full Coverage Car Insurance in Grays River

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 Grays River is Kemper at $67 per month and $406 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grays River, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$406	$67
Nationwide	$546	$93
Auto-Owners Insurance Co	$564	$94
Chubb	$641	$109
Capital Insurance Group	$652	$109
State Farm	$682	$115
USAA	$706	$119
Progressive	$758	$128
PEMCO	$776	$131
American Family	$800	$135
Travelers	$864	$146
Farmers	$918	$154
Allstate	$1070	$180
Granwest P&C	$1329	$226
California Causality	$670	$114
Mutual of Enumclaw	$788	$134

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Average Car Insurance in Grays River 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 Grays River, WA increasing?

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

Car Insurance Premiums by Age in Grays River

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	$670
30s	PEMCO	$469
40s	PEMCO	$474
50s	PEMCO	$450
60s	PEMCO	$474
70s	PEMCO	$589

Cheapest Car Insurance Rates for Teen Drivers in Grays River,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Grays River at $55 per month. At $724 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$330	$55
Auto-Owners Insurance Co	$336	$57
Chubb	$376	$62
State Farm	$764	$129
American Family	$1006	$169
Progressive	$1152	$194
USAA	$1212	$204
Pemco	$1235	$208
Farmers	$1752	$295
Allstate	$2023	$341
California Causality	$724	$123

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 Grays River.

As young drivers face the highest rates in Grays River, PEMCO offers the cheapest auto insurance rates at $670 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 Grays River, AutoOwners Insurance Co is the cheapest car insurance provider. At $230 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 Grays River is California Causality, offering rates of around $541 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$230	$39
Chubb	$270	$46
Travelers	$276	$47
Nationwide	$324	$53
Kemper	$352	$60
American Family	$536	$90
Progressive	$624	$105
State Farm	$724	$122
Farmers	$800	$135
Pemco	$924	$155
USAA	$952	$162
Allstate	$1906	$318
National General	$388	$64
California Causality	$541	$92

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Grays River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Grays River

The cheapest car insurance companies after an at-fault accident in Grays River include AutoOwners Insurance Co and Encompass, offering $294 and $336, respectively. California Causality is an expensive provider with an average six-month premium of $406.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$50
Encompass	$336	$57
Chubb	$347	$58
Travelers	$418	$70
USAA	$446	$75
Kemper	$488	$83
State Farm	$658	$111
PEMCO	$724	$122
American Family	$788	$133
Capital Insurance Group	$870	$148
Progressive	$1040	$175
Farmers	$1124	$189
Allstate	$1812	$305
California Causality	$406	$67

Grays River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grays River WA. For example, the car insurance in Grays River after a DUI increases to $806 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Grays River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1058	$176
One Med/PIP claim	$1058	$180
Not-at-fault accident	$1094	$182
Two Med/PIP claims	$1094	$186
One comp claim	$1100	$183
Two comp claims	$1146	$195
Failure to show documents	$1264	$211
Child safety restraint	$1276	$217
Driving without lights	$1288	$215
Failure to wear a seat belt	$1288	$219
Speeding 11 - 15 MPH over limit	$1288	$215
Speeding 16 - 20 MPH over limit	$1288	$219
Speeding 6 - 10 MPH over limit	$1288	$215
Driving too slowly	$1300	$221
Driving with expired registration	$1300	$217
Cell phone violation	$1306	$222
Failure to yield	$1306	$218
Improper passing	$1306	$222
Texting while driving	$1306	$218
Wrong way/wrong lane	$1306	$222
Failure to stop at a red light	$1312	$219
Following too closely	$1312	$223
Illegal turn	$1312	$219
Speeding in school zone	$1370	$233
Passing school bus	$1376	$230
At-fault accident - less than $1000	$1394	$237
Speeding 21 - 25 MPH over limit	$1394	$233
Open container	$1400	$238
In 65 MPH zone	$1452	$243
At-fault accident - $1000-$2000	$1506	$256
At-fault accident - greater than $2000	$1512	$251
Operating a vehicle without permission	$1523	$259
Refusal to submit to a chemical test	$1823	$304
Reckless driving	$1829	$311
Driving with a suspended license	$1846	$308
DUI	$1864	$317
Racing	$1929	$322
Leaving scene of an accident/hit and run	$1940	$330

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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 Grays River 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 Grays River.

The cheapest car insurance premiums in Grays River are offered by Chubb at $336 for a six-month policy. However, it can be as expensive as $358 with companies like National General.

Grays River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$336	$57
Auto-Owners Insurance Co	$424	$70
Travelers	$458	$77
American Family	$658	$111
Progressive	$730	$123
Pemco	$741	$125
USAA	$812	$137
State Farm	$852	$144
Farmers	$1164	$196
Allstate	$1717	$289
Grange	$1800	$306
Cal Casualty	$2011	$336
National General	$358	$61

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 Grays River are offered by Chubb at $294. However, it can be as expensive as $330 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Grays River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$294	$50
Auto-Owners Insurance Co	$306	$52
Travelers	$376	$62
State Farm	$458	$77
American Family	$658	$111
USAA	$718	$122
Pemco	$724	$122
Progressive	$858	$145
Farmers	$1000	$168
Allstate	$1324	$225
California Causality	$330	$56

Car Insurance Price Trends in Grays River, Washington

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

The average cost of full coverage in the Grays River rose by $149 in December compared to $147 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Grays River remained steady at $50 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Grays River?

The car insurance in Grays River is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Grays River?

The cheapest car insurance in Grays River is $67 per month for full coverage.

How much is car insurance in Grays River for teenagers?

Car insurance for teenagers costs $330 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 Grays River?

The average cost of car insurance is $768 for a six-month policy. It will cost around $128 per month to insure your car in Grays River.

Is car insurance expensive in Grays River?

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

Cheapest Car Insurance Quotes in Grays River

Why you can trust Way?

How Much Is Car Insurance in Grays River

Avg. Car Insurance in Grays River

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Grays River

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Grays River Car Insurance Rates by Company

Cheap Car Insurance Companies in Grays River, WA

Way's key takeaways about car insurance in Grays River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grays River

Cheapest Liability Coverage in Grays River, WA

Cheapest Full Coverage Car Insurance in Grays River

Cheapest Full Coverage Car Insurance Quotes in Grays River, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grays River by Rating Factor

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

Car Insurance Premiums by Age in Grays River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grays River,WA

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

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 Grays River

Cheapest Car Insurance Companies after an At-Fault Accident in Grays River

Grays River Car Insurance Rates by Violation

Grays River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grays River after a DUI

Grays River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grays River after Speeding ticket

Car Insurance Price Trends in Grays River, Washington

Average Car Insurance Cost in Grays River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grays River, WA

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

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