Cheapest Car Insurance Quotes in Hartline

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401,895 Policies Sold

Hartline Car Insurance

^$ 29

/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 Hartline

The car insurance rate in Hartline is $695 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, making it a popular choice for budget-conscious drivers. Rates in Hartline 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 Hartline

$695

Avg. Car Insurance in Washington

$772

National Average

$1140

Cheapest Car Insurance Companies in Hartline

1st place: Kemper

At $369 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $497 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 $513 for six months, making it the third cheapest auto insurance company in Hartline.

Hartline Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hartline, WA is Kemper, offering policies at just $369 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $497.

At the higher end of the spectrum, Granwest P&C is the most expensive, with rates reaching $1208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hartline drivers find the best deals.

Cheap Car Insurance Companies in Hartline, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
State Farm	$620	$104
USAA	$642	$108
Progressive	$689	$116
PEMCO	$706	$119
American Family	$727	$122
Travelers	$786	$132
Farmers	$834	$140
Allstate	$973	$164
Granwest P&C	$1208	$205

Key Takeaways

Way's key takeaways about car insurance in Hartline

The auto insurance costs in Hartline fall around $369 for six months.
The cheapest auto insurance company in Hartline is USAA.
Teen drivers pay the highest rate in Hartline at $310 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hartline

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 Hartline are given below.

USAA provides the cheapest minimum car insurance coverage in Hartline. Their Average 6 Month Premium is $171. Grange is the most expensive at $193 for the same period.

Cheapest Liability Coverage in Hartline, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$171	$29
California Casualty	$193	$32
Granwest P&C	$198	$33
PEMCO	$203	$34
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
Travelers	$251	$42
Nationwide	$257	$43
Capital Insurance Group	$273	$45
State Farm	$273	$46
Progressive	$284	$48
American Family	$320	$54
Mutual of Enumclaw	$326	$54
Farmers	$342	$58
Allstate	$578	$97
Encompass	$187	$32
Grange	$193	$32

Cheapest Full Coverage Car Insurance in Hartline

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 Hartline is Kemper at $61 per month and $369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hartline, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
State Farm	$620	$104
USAA	$642	$108
Progressive	$689	$116
PEMCO	$706	$119
American Family	$727	$122
Travelers	$786	$132
Farmers	$834	$140
Allstate	$973	$164
Granwest P&C	$1208	$205

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Average Car Insurance in Hartline 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 Hartline, WA increasing?

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

Car Insurance Premiums by Age in Hartline

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	$609
30s	PEMCO	$427
40s	PEMCO	$431
50s	PEMCO	$410
60s	PEMCO	$431
70s	PEMCO	$536

Cheapest Car Insurance Rates for Teen Drivers in Hartline,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Hartline at $50 per month. At $1839 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$300	$50
Auto-Owners Insurance Co	$305	$52
Chubb	$342	$57
State Farm	$695	$117
American Family	$914	$154
Progressive	$1048	$176
USAA	$1102	$185
Pemco	$1122	$189
Farmers	$1593	$268
Allstate	$1839	$310

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 Hartline.

As young drivers face the highest rates in Hartline, PEMCO offers the cheapest auto insurance rates at $609 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 Hartline, AutoOwners Insurance Co is the cheapest car insurance provider. At $209 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 Hartline is Allstate, offering rates of around $1733 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
Travelers	$251	$42
Nationwide	$294	$49
Kemper	$320	$55
American Family	$487	$82
Progressive	$567	$95
State Farm	$658	$111
Farmers	$727	$122
Pemco	$840	$141
USAA	$866	$148
Allstate	$1733	$289

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Car Insurance Rates with An Accident in Hartline

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

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

The cheapest car insurance companies after an at-fault accident in Hartline include AutoOwners Insurance Co and Encompass, offering $267 and $305, respectively. Allstate is an expensive provider with an average six-month premium of $1647.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$45
Encompass	$305	$52
Chubb	$315	$53
Travelers	$380	$64
USAA	$406	$68
Kemper	$444	$76
State Farm	$599	$101
PEMCO	$658	$111
American Family	$716	$121
Capital Insurance Group	$791	$134
Progressive	$946	$159
Farmers	$1022	$172
Allstate	$1647	$277

Hartline Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hartline WA. For example, the car insurance in Hartline after a DUI increases to $733 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Hartline auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$995	$166
Two Med/PIP claims	$995	$169
One comp claim	$1000	$167
Two comp claims	$1042	$177
Failure to show documents	$1149	$192
Child safety restraint	$1160	$197
Driving without lights	$1171	$195
Failure to wear a seat belt	$1171	$199
Speeding 11 - 15 MPH over limit	$1171	$195
Speeding 16 - 20 MPH over limit	$1171	$199
Speeding 6 - 10 MPH over limit	$1171	$195
Driving too slowly	$1182	$201
Driving with expired registration	$1182	$197
Cell phone violation	$1187	$202
Failure to yield	$1187	$198
Improper passing	$1187	$202
Texting while driving	$1187	$198
Wrong way/wrong lane	$1187	$202
Failure to stop at a red light	$1193	$199
Following too closely	$1193	$203
Illegal turn	$1193	$199
Speeding in school zone	$1246	$212
Passing school bus	$1251	$209
At-fault accident - less than $1000	$1267	$215
Speeding 21 - 25 MPH over limit	$1267	$212
Open container	$1273	$216
In 65 MPH zone	$1320	$221
At-fault accident - $1000-$2000	$1369	$233
At-fault accident - greater than $2000	$1374	$229
Operating a vehicle without permission	$1384	$236
Refusal to submit to a chemical test	$1657	$276
Reckless driving	$1662	$283
Driving with a suspended license	$1679	$280
DUI	$1695	$288
Racing	$1753	$293
Leaving scene of an accident/hit and run	$1764	$300

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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 Hartline 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 Hartline.

The cheapest car insurance premiums in Hartline are offered by Chubb at $305 for a six-month policy. However, it can be as expensive as $1828 with companies like Cal Casualty.

Hartline car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$305	$52
Auto-Owners Insurance Co	$385	$64
Travelers	$417	$70
American Family	$599	$101
Progressive	$663	$112
Pemco	$673	$113
USAA	$738	$124
State Farm	$775	$131
Farmers	$1058	$178
Allstate	$1561	$263
Grange	$1636	$278
Cal Casualty	$1828	$305

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 Hartline are offered by Chubb at $267. However, it can be as expensive as $1203 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hartline after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$45
Auto-Owners Insurance Co	$278	$48
Travelers	$342	$57
State Farm	$417	$70
American Family	$599	$101
USAA	$653	$111
Pemco	$658	$111
Progressive	$780	$131
Farmers	$909	$153
Allstate	$1203	$204

Car Insurance Price Trends in Hartline, Washington

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

The average cost of full coverage in the Hartline remained steady at $136 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hartline remained steady at $46 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 Hartline?

The car insurance in Hartline is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Hartline?

The cheapest car insurance in Hartline is $61 per month for full coverage.

How much is car insurance in Hartline for teenagers?

Car insurance for teenagers costs $300 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 Hartline?

The average cost of car insurance is $772 for a six-month policy. It will cost around $117 per month to insure your car in Hartline.

Is car insurance expensive in Hartline?

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

Cheapest Car Insurance Quotes in Hartline

Why you can trust Way?

How Much Is Car Insurance in Hartline

Avg. Car Insurance in Hartline

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Hartline

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Hartline Car Insurance Rates by Company

Cheap Car Insurance Companies in Hartline, WA

Way's key takeaways about car insurance in Hartline

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hartline

Cheapest Liability Coverage in Hartline, WA

Cheapest Full Coverage Car Insurance in Hartline

Cheapest Full Coverage Car Insurance Quotes in Hartline, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hartline by Rating Factor

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

Car Insurance Premiums by Age in Hartline

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hartline,WA

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

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 Hartline

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

Hartline Car Insurance Rates by Violation

Hartline auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hartline after a DUI

Hartline car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hartline after Speeding ticket

Car Insurance Price Trends in Hartline, Washington

Average Car Insurance Cost in Hartline by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hartline, WA

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

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