Cheapest Car Insurance Quotes in Hobart

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Hobart 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 Hobart

The car insurance rate in Hobart is $891 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $476, making it a popular choice for budget-conscious drivers. Rates in Hobart 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 Hobart

$891

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Hobart

1st place: Kemper

At $476 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $640 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 $661 for six months, making it the third cheapest auto insurance company in Hobart.

Hobart Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hobart, WA is Kemper, offering policies at just $476 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $640.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $923 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hobart drivers find the best deals.

Cheap Car Insurance Companies in Hobart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$476	$79
Nationwide	$640	$109
Auto-Owners Insurance Co	$661	$110
Chubb	$751	$128
Capital Insurance Group	$764	$128
State Farm	$799	$135
USAA	$827	$139
Progressive	$889	$150
PEMCO	$909	$153
American Family	$937	$158
Travelers	$1013	$171
Farmers	$1075	$181
Allstate	$1254	$211
Granwest P&C	$1557	$264
California Causality	$785	$133
Mutual of Enumclaw	$923	$157

Key Takeaways

Way's key takeaways about car insurance in Hobart

The auto insurance costs in Hobart fall around $476 for six months.
The cheapest auto insurance company in Hobart is USAA.
Teen drivers pay the highest rate in Hobart at $144 per month.

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Cheapest Minimum Liability Car Insurance in Hobart

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 Hobart are given below.

USAA provides the cheapest minimum car insurance coverage in Hobart. Their Average 6 Month Premium is $220. California Causality is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Hobart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$220	$37
California Casualty	$248	$42
Granwest P&C	$255	$43
PEMCO	$262	$44
Auto-Owners Insurance Co	$269	$45
Chubb	$317	$53
Travelers	$324	$55
Nationwide	$331	$56
Capital Insurance Group	$351	$58
State Farm	$351	$59
Progressive	$365	$61
American Family	$413	$70
Mutual of Enumclaw	$420	$70
Farmers	$441	$74
Allstate	$745	$125
Encompass	$241	$41
Grange	$248	$42
California Causality	$276	$46

Cheapest Full Coverage Car Insurance in Hobart

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 Hobart is Kemper at $79 per month and $476 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hobart, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$476	$79
Nationwide	$640	$109
Auto-Owners Insurance Co	$661	$110
Chubb	$751	$128
Capital Insurance Group	$764	$128
State Farm	$799	$135
USAA	$827	$139
Progressive	$889	$150
PEMCO	$909	$153
American Family	$937	$158
Travelers	$1013	$171
Farmers	$1075	$181
Allstate	$1254	$211
Granwest P&C	$1557	$264
California Causality	$785	$133
Mutual of Enumclaw	$923	$157

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Average Car Insurance in Hobart 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 Hobart, WA increasing?

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

Car Insurance Premiums by Age in Hobart

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	$785
30s	PEMCO	$550
40s	PEMCO	$556
50s	PEMCO	$528
60s	PEMCO	$556
70s	PEMCO	$690

Cheapest Car Insurance Rates for Teen Drivers in Hobart,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Hobart at $65 per month. At $848 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$386	$65
Auto-Owners Insurance Co	$393	$67
Chubb	$441	$73
State Farm	$896	$151
American Family	$1179	$198
Progressive	$1350	$227
USAA	$1420	$239
Pemco	$1447	$244
Farmers	$2053	$346
Allstate	$2370	$399
California Causality	$848	$144

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 Hobart.

As young drivers face the highest rates in Hobart, PEMCO offers the cheapest auto insurance rates at $785 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 Hobart, AutoOwners Insurance Co is the cheapest car insurance provider. At $269 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 Hobart is California Causality, offering rates of around $633 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$269	$45
Chubb	$317	$53
Travelers	$324	$55
Nationwide	$379	$63
Kemper	$413	$71
American Family	$628	$106
Progressive	$731	$123
State Farm	$848	$143
Farmers	$937	$158
Pemco	$1082	$182
USAA	$1116	$190
Allstate	$2233	$372
National General	$455	$75
California Causality	$633	$108

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Car Insurance Rates with An Accident in Hobart

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

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

The cheapest car insurance companies after an at-fault accident in Hobart include AutoOwners Insurance Co and Encompass, offering $345 and $393, respectively. California Causality is an expensive provider with an average six-month premium of $476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$345	$58
Encompass	$393	$67
Chubb	$406	$68
Travelers	$490	$82
USAA	$523	$88
Kemper	$572	$97
State Farm	$771	$130
PEMCO	$848	$143
American Family	$923	$155
Capital Insurance Group	$1020	$173
Progressive	$1219	$205
Farmers	$1317	$222
Allstate	$2123	$357
California Causality	$476	$79

Hobart Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hobart WA. For example, the car insurance in Hobart after a DUI increases to $944 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Hobart auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$206
One Med/PIP claim	$1240	$211
Not-at-fault accident	$1282	$213
Two Med/PIP claims	$1282	$218
One comp claim	$1289	$215
Two comp claims	$1343	$229
Failure to show documents	$1481	$247
Child safety restraint	$1495	$254
Driving without lights	$1509	$252
Failure to wear a seat belt	$1509	$256
Speeding 11 - 15 MPH over limit	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Speeding 6 - 10 MPH over limit	$1509	$252
Driving too slowly	$1523	$259
Driving with expired registration	$1523	$254
Cell phone violation	$1530	$260
Failure to yield	$1530	$255
Improper passing	$1530	$260
Texting while driving	$1530	$255
Wrong way/wrong lane	$1530	$260
Failure to stop at a red light	$1537	$256
Following too closely	$1537	$261
Illegal turn	$1537	$256
Speeding in school zone	$1605	$273
Passing school bus	$1612	$269
At-fault accident - less than $1000	$1633	$277
Speeding 21 - 25 MPH over limit	$1633	$273
Open container	$1640	$278
In 65 MPH zone	$1702	$284
At-fault accident - $1000-$2000	$1764	$300
At-fault accident - greater than $2000	$1771	$295
Operating a vehicle without permission	$1784	$304
Refusal to submit to a chemical test	$2136	$356
Reckless driving	$2143	$364
Driving with a suspended license	$2163	$361
DUI	$2184	$371
Racing	$2260	$377
Leaving scene of an accident/hit and run	$2274	$386

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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 Hobart 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 Hobart.

The cheapest car insurance premiums in Hobart are offered by Chubb at $393 for a six-month policy. However, it can be as expensive as $420 with companies like National General.

Hobart car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$393	$67
Auto-Owners Insurance Co	$496	$82
Travelers	$537	$90
American Family	$771	$130
Progressive	$855	$144
Pemco	$868	$146
USAA	$951	$160
State Farm	$999	$168
Farmers	$1364	$230
Allstate	$2011	$339
Grange	$2109	$358
Cal Casualty	$2356	$393
National General	$420	$72

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 Hobart are offered by Chubb at $345. However, it can be as expensive as $386 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Hobart after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$345	$58
Auto-Owners Insurance Co	$358	$61
Travelers	$441	$73
State Farm	$537	$90
American Family	$771	$130
USAA	$841	$143
Pemco	$848	$143
Progressive	$1006	$169
Farmers	$1172	$197
Allstate	$1551	$263
California Causality	$386	$66

Car Insurance Price Trends in Hobart, Washington

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

The average cost of full coverage in the Hobart rose by $175 in December compared to $172 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 Hobart rose to $59 in December, compared to $58 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 Hobart?

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

What is the cheapest car insurance in Hobart?

The cheapest car insurance in Hobart is $79 per month for full coverage.

How much is car insurance in Hobart for teenagers?

Car insurance for teenagers costs $386 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 Hobart?

The average cost of car insurance is $768 for a six-month policy. It will cost around $150 per month to insure your car in Hobart.

Is car insurance expensive in Hobart?

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

Cheapest Car Insurance Quotes in Hobart

Why you can trust Way?

How Much Is Car Insurance in Hobart

Avg. Car Insurance in Hobart

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Hobart

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Hobart Car Insurance Rates by Company

Cheap Car Insurance Companies in Hobart, WA

Way's key takeaways about car insurance in Hobart

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hobart

Cheapest Liability Coverage in Hobart, WA

Cheapest Full Coverage Car Insurance in Hobart

Cheapest Full Coverage Car Insurance Quotes in Hobart, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hobart by Rating Factor

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

Car Insurance Premiums by Age in Hobart

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hobart,WA

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

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 Hobart

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

Hobart Car Insurance Rates by Violation

Hobart auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hobart after a DUI

Hobart car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hobart after Speeding ticket

Car Insurance Price Trends in Hobart, Washington

Average Car Insurance Cost in Hobart by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hobart, WA

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

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