Cheapest Car Insurance Quotes in La Grande

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La Grande Car Insurance

^$ 40

/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 La Grande

The car insurance rate in La Grande is $1018 for a six-month policy, which is $101 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in La Grande 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 La Grande

$1018

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in La Grande

1st place: Kemper

At $455 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $613 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 $633 for six months, making it the third cheapest auto insurance company in La Grande.

La Grande Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Grande, WA is Kemper, offering policies at just $455 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $613.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Grande drivers find the best deals.

Cheap Car Insurance Companies in La Grande, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$75
Nationwide	$613	$104
Auto-Owners Insurance Co	$633	$105
Chubb	$718	$122
Capital Insurance Group	$731	$122
USAA	$857	$144
Mutual of Enumclaw	$904	$151
American Family	$924	$155
State Farm	$924	$155
Progressive	$942	$159
PEMCO	$1016	$171
Travelers	$1022	$172
Farmers	$1121	$189
Allstate	$1265	$213
Granwest P&C	$1490	$249
Sentry	$2684	$456

Key Takeaways

Way's key takeaways about car insurance in La Grande

The auto insurance costs in La Grande fall around $455 for six months.
The cheapest auto insurance company in La Grande is California Casualty.
Teen drivers pay the highest rate in La Grande at $756 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in La Grande

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 La Grande are given below.

California Casualty provides the cheapest minimum car insurance coverage in La Grande. Their Average 6 Month Premium is $238. Grange is the most expensive at $238 for the same period.

Cheapest Liability Coverage in La Grande, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$238	$40
USAA	$238	$40
Granwest P&C	$244	$41
Auto-Owners Insurance Co	$258	$43
Chubb	$303	$51
Nationwide	$316	$53
PEMCO	$316	$53
Capital Insurance Group	$336	$58
Progressive	$343	$58
American Family	$350	$60
Mutual of Enumclaw	$376	$63
State Farm	$376	$63
Travelers	$383	$64
Farmers	$448	$75
Allstate	$745	$125
Sentry	$771	$131
Encompass	$231	$39
Grange	$238	$40

Cheapest Full Coverage Car Insurance in La Grande

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 La Grande is Kemper at $75 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Grande, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$75
Nationwide	$613	$104
Auto-Owners Insurance Co	$633	$105
Chubb	$718	$122
Capital Insurance Group	$731	$122
USAA	$857	$144
Mutual of Enumclaw	$904	$151
American Family	$924	$155
State Farm	$924	$155
Progressive	$942	$159
PEMCO	$1016	$171
Travelers	$1022	$172
Farmers	$1121	$189
Allstate	$1265	$213
Granwest P&C	$1490	$249
Sentry	$2684	$456

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Average Car Insurance in La Grande 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 La Grande, WA increasing?

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

Car Insurance Premiums by Age in La Grande

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	$751
30s	PEMCO	$526
40s	PEMCO	$532
50s	PEMCO	$505
60s	PEMCO	$532
70s	PEMCO	$660

Cheapest Car Insurance Rates for Teen Drivers in La Grande,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the La Grande at $62 per month. At $4537 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$363	$62
Auto-Owners Insurance Co	$376	$62
Chubb	$422	$72
Travelers	$1240	$209
State Farm	$1312	$221
USAA	$1523	$256
Pemco	$1873	$315
Farmers	$2261	$381
Mutual of Enumclaw	$2288	$389
Progressive	$2499	$421
Allstate	$2597	$437
Sentry	$4537	$756

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 La Grande.

As young drivers face the highest rates in La Grande, PEMCO offers the cheapest auto insurance rates at $751 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 La Grande, AutoOwners Insurance Co is the cheapest car insurance provider. At $258 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 La Grande is Sentry, offering rates of around $2684 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Chubb	$303	$51
American Family	$350	$60
Nationwide	$363	$60
Kemper	$395	$68
Farmers	$1029	$173
Travelers	$1094	$184
State Farm	$1299	$219
Progressive	$1305	$220
USAA	$1339	$223
Pemco	$1530	$258
Mutual of Enumclaw	$1570	$262
Allstate	$2453	$417
Sentry	$2684	$447

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in La Grande

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

Cheapest Car Insurance Companies after an At-Fault Accident in La Grande

The cheapest car insurance companies after an at-fault accident in La Grande include AutoOwners Insurance Co and Encompass, offering $330 and $376, respectively. Sentry is an expensive provider with an average six-month premium of $4662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$56
Encompass	$376	$64
Chubb	$389	$65
American Family	$422	$72
Kemper	$547	$91
USAA	$587	$99
Travelers	$857	$144
State Farm	$877	$148
PEMCO	$956	$161
Capital Insurance Group	$976	$165
Mutual of Enumclaw	$1220	$203
Progressive	$1299	$219
Farmers	$1384	$233
Allstate	$2261	$381
Sentry	$4662	$777

La Grande Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Grande WA. For example, the car insurance in La Grande after a DUI increases to $903 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

La Grande auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1187	$198
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1227	$204
Two Med/PIP claims	$1227	$209
One comp claim	$1233	$205
Two comp claims	$1285	$219
Failure to show documents	$1417	$236
Child safety restraint	$1431	$243
Driving without lights	$1444	$241
Failure to wear a seat belt	$1444	$245
Speeding 11 - 15 MPH over limit	$1444	$241
Speeding 16 - 20 MPH over limit	$1444	$245
Speeding 6 - 10 MPH over limit	$1444	$241
Driving too slowly	$1457	$248
Driving with expired registration	$1457	$243
Cell phone violation	$1464	$249
Failure to yield	$1464	$244
Improper passing	$1464	$249
Texting while driving	$1464	$244
Wrong way/wrong lane	$1464	$249
Failure to stop at a red light	$1471	$245
Following too closely	$1471	$250
Illegal turn	$1471	$245
Speeding in school zone	$1536	$261
Passing school bus	$1543	$258
At-fault accident - less than $1000	$1563	$265
Speeding 21 - 25 MPH over limit	$1563	$261
Open container	$1570	$266
In 65 MPH zone	$1628	$272
At-fault accident - $1000-$2000	$1688	$287
At-fault accident - greater than $2000	$1695	$282
Operating a vehicle without permission	$1707	$291
Refusal to submit to a chemical test	$2044	$341
Reckless driving	$2050	$349
Driving with a suspended license	$2070	$345
DUI	$2090	$355
Racing	$2162	$361
Leaving scene of an accident/hit and run	$2176	$370

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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 La Grande 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 La Grande.

The cheapest car insurance premiums in La Grande are offered by Chubb at $376 for a six-month policy. However, it can be as expensive as $3534 with companies like Sentry.

La Grande car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$376	$64
American Family	$415	$69
Auto-Owners Insurance Co	$475	$81
Travelers	$904	$152
Progressive	$910	$153
USAA	$1002	$169
Pemco	$1108	$186
State Farm	$1207	$203
Farmers	$1411	$238
Mutual of Enumclaw	$1576	$263
Grange	$2018	$343
Allstate	$2063	$347
Cal Casualty	$2254	$383
Sentry	$3534	$589

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 La Grande are offered by Chubb at $330. However, it can be as expensive as $4319 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in La Grande after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$330	$57
Auto-Owners Insurance Co	$343	$57
American Family	$415	$71
State Farm	$771	$130
Travelers	$942	$159
USAA	$1036	$172
Mutual of Enumclaw	$1101	$188
Pemco	$1148	$193
Progressive	$1173	$198
Farmers	$1292	$218
Allstate	$1985	$337
Sentry	$4319	$719

Car Insurance Price Trends in La Grande, Washington

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

The average cost of full coverage in the La Grande rose by $216 in January compared to $168 of December. In other words, there has been an increase by $48 when you compare January and December.

The average cost of liability insurance in the La Grande rose to $62 in January, compared to $57 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in La Grande?

The car insurance in La Grande is $40 per month, which is lower than the national average.

What is the cheapest car insurance in La Grande?

The cheapest car insurance in La Grande is $75 per month for full coverage.

How much is car insurance in La Grande for teenagers?

Car insurance for teenagers costs $363 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 La Grande?

The average cost of car insurance is $917 for a six-month policy. It will cost around $171 per month to insure your car in La Grande.

Is car insurance expensive in La Grande?

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

Cheapest Car Insurance Quotes in La Grande

Why you can trust Way?

How Much Is Car Insurance in La Grande

Avg. Car Insurance in La Grande

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in La Grande

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

La Grande Car Insurance Rates by Company

Cheap Car Insurance Companies in La Grande, WA

Way's key takeaways about car insurance in La Grande

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in La Grande

Cheapest Liability Coverage in La Grande, WA

Cheapest Full Coverage Car Insurance in La Grande

Cheapest Full Coverage Car Insurance Quotes in La Grande, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in La Grande by Rating Factor

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

Car Insurance Premiums by Age in La Grande

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in La Grande,WA

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

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 La Grande

Cheapest Car Insurance Companies after an At-Fault Accident in La Grande

La Grande Car Insurance Rates by Violation

La Grande auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in La Grande after a DUI

La Grande car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in La Grande after Speeding ticket

Car Insurance Price Trends in La Grande, Washington

Average Car Insurance Cost in La Grande by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near La Grande, WA

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

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