Cheapest Car Insurance Quotes in Lake Ketchum

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Lake Ketchum Car Insurance

^$ 33

/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 Lake Ketchum

The car insurance rate in Lake Ketchum is $834 for a six-month policy, which is $83 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Lake Ketchum 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 Lake Ketchum

$834

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Lake Ketchum

1st place: Kemper

At $373 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $502 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 $519 for six months, making it the third cheapest auto insurance company in Lake Ketchum.

Lake Ketchum Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Ketchum, WA is Kemper, offering policies at just $373 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $502.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Ketchum drivers find the best deals.

Cheap Car Insurance Companies in Lake Ketchum, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$373	$62
Nationwide	$502	$86
Auto-Owners Insurance Co	$519	$86
Chubb	$589	$100
Capital Insurance Group	$600	$100
USAA	$703	$118
Mutual of Enumclaw	$741	$124
American Family	$757	$127
State Farm	$757	$127
Progressive	$773	$130
PEMCO	$833	$140
Travelers	$838	$141
Farmers	$919	$155
Allstate	$1037	$175
Granwest P&C	$1221	$204
Sentry	$2200	$374

Key Takeaways

Way's key takeaways about car insurance in Lake Ketchum

The auto insurance costs in Lake Ketchum fall around $373 for six months.
The cheapest auto insurance company in Lake Ketchum is California Casualty.
Teen drivers pay the highest rate in Lake Ketchum at $620 per month.

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Cheapest Minimum Liability Car Insurance in Lake Ketchum

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 Lake Ketchum are given below.

California Casualty provides the cheapest minimum car insurance coverage in Lake Ketchum. Their Average 6 Month Premium is $195. Grange is the most expensive at $195 for the same period.

Cheapest Liability Coverage in Lake Ketchum, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$195	$33
USAA	$195	$33
Granwest P&C	$200	$34
Auto-Owners Insurance Co	$211	$35
Chubb	$248	$42
Nationwide	$259	$44
PEMCO	$259	$44
Capital Insurance Group	$276	$47
Progressive	$281	$47
American Family	$287	$49
Mutual of Enumclaw	$308	$52
State Farm	$308	$52
Travelers	$314	$53
Farmers	$368	$62
Allstate	$611	$103
Sentry	$632	$107
Encompass	$189	$32
Grange	$195	$33

Cheapest Full Coverage Car Insurance in Lake Ketchum

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 Lake Ketchum is Kemper at $62 per month and $373 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Ketchum, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$373	$62
Nationwide	$502	$86
Auto-Owners Insurance Co	$519	$86
Chubb	$589	$100
Capital Insurance Group	$600	$100
USAA	$703	$118
Mutual of Enumclaw	$741	$124
American Family	$757	$127
State Farm	$757	$127
Progressive	$773	$130
PEMCO	$833	$140
Travelers	$838	$141
Farmers	$919	$155
Allstate	$1037	$175
Granwest P&C	$1221	$204
Sentry	$2200	$374

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Average Car Insurance in Lake Ketchum 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 Lake Ketchum, WA increasing?

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

Car Insurance Premiums by Age in Lake Ketchum

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	$616
30s	PEMCO	$431
40s	PEMCO	$436
50s	PEMCO	$414
60s	PEMCO	$436
70s	PEMCO	$541

Cheapest Car Insurance Rates for Teen Drivers in Lake Ketchum,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Lake Ketchum at $51 per month. At $3719 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$298	$51
Auto-Owners Insurance Co	$308	$51
Chubb	$346	$59
Travelers	$1016	$171
State Farm	$1076	$181
USAA	$1249	$210
Pemco	$1535	$258
Farmers	$1854	$312
Mutual of Enumclaw	$1876	$319
Progressive	$2048	$345
Allstate	$2129	$359
Sentry	$3719	$620

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 Lake Ketchum.

As young drivers face the highest rates in Lake Ketchum, PEMCO offers the cheapest auto insurance rates at $616 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 Lake Ketchum, AutoOwners Insurance Co is the cheapest car insurance provider. At $211 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 Lake Ketchum is Sentry, offering rates of around $2200 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$211	$35
Chubb	$248	$42
American Family	$287	$49
Nationwide	$298	$49
Kemper	$324	$56
Farmers	$844	$142
Travelers	$897	$151
State Farm	$1065	$179
Progressive	$1070	$180
USAA	$1097	$183
Pemco	$1254	$211
Mutual of Enumclaw	$1287	$215
Allstate	$2011	$342
Sentry	$2200	$367

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Car Insurance Rates with An Accident in Lake Ketchum

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Ketchum

The cheapest car insurance companies after an at-fault accident in Lake Ketchum include AutoOwners Insurance Co and Encompass, offering $270 and $308, respectively. Sentry is an expensive provider with an average six-month premium of $3822.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$270	$46
Encompass	$308	$53
Chubb	$319	$54
American Family	$346	$59
Kemper	$449	$75
USAA	$481	$81
Travelers	$703	$118
State Farm	$719	$121
PEMCO	$784	$132
Capital Insurance Group	$800	$136
Mutual of Enumclaw	$1000	$167
Progressive	$1065	$179
Farmers	$1135	$191
Allstate	$1854	$312
Sentry	$3822	$637

Lake Ketchum Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Ketchum WA. For example, the car insurance in Lake Ketchum after a DUI increases to $741 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Lake Ketchum auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$973	$162
One Med/PIP claim	$973	$166
Not-at-fault accident	$1006	$167
Two Med/PIP claims	$1006	$171
One comp claim	$1011	$168
Two comp claims	$1054	$179
Failure to show documents	$1162	$194
Child safety restraint	$1173	$199
Driving without lights	$1184	$197
Failure to wear a seat belt	$1184	$201
Speeding 11 - 15 MPH over limit	$1184	$197
Speeding 16 - 20 MPH over limit	$1184	$201
Speeding 6 - 10 MPH over limit	$1184	$197
Driving too slowly	$1195	$203
Driving with expired registration	$1195	$199
Cell phone violation	$1200	$204
Failure to yield	$1200	$200
Improper passing	$1200	$204
Texting while driving	$1200	$200
Wrong way/wrong lane	$1200	$204
Failure to stop at a red light	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Speeding in school zone	$1259	$214
Passing school bus	$1265	$211
At-fault accident - less than $1000	$1281	$217
Speeding 21 - 25 MPH over limit	$1281	$214
Open container	$1287	$218
In 65 MPH zone	$1335	$223
At-fault accident - $1000-$2000	$1384	$236
At-fault accident - greater than $2000	$1390	$231
Operating a vehicle without permission	$1400	$238
Refusal to submit to a chemical test	$1675	$279
Reckless driving	$1681	$286
Driving with a suspended license	$1697	$283
DUI	$1714	$291
Racing	$1773	$296
Leaving scene of an accident/hit and run	$1784	$303

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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 Lake Ketchum 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 Lake Ketchum.

The cheapest car insurance premiums in Lake Ketchum are offered by Chubb at $308 for a six-month policy. However, it can be as expensive as $2897 with companies like Sentry.

Lake Ketchum car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$308	$53
American Family	$340	$56
Auto-Owners Insurance Co	$389	$66
Travelers	$741	$125
Progressive	$746	$126
USAA	$822	$138
Pemco	$908	$153
State Farm	$989	$167
Farmers	$1157	$195
Mutual of Enumclaw	$1292	$216
Grange	$1654	$281
Allstate	$1692	$285
Cal Casualty	$1848	$314
Sentry	$2897	$483

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 Lake Ketchum are offered by Chubb at $270. However, it can be as expensive as $3541 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Lake Ketchum after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$270	$46
Auto-Owners Insurance Co	$281	$46
American Family	$340	$58
State Farm	$632	$106
Travelers	$773	$130
USAA	$849	$141
Mutual of Enumclaw	$903	$154
Pemco	$941	$158
Progressive	$962	$162
Farmers	$1059	$178
Allstate	$1627	$277
Sentry	$3541	$590

Car Insurance Price Trends in Lake Ketchum, Washington

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

The average cost of full coverage in the Lake Ketchum rose by $177 in January compared to $137 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Lake Ketchum rose to $51 in January, compared to $46 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 Lake Ketchum?

The car insurance in Lake Ketchum is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Ketchum?

The cheapest car insurance in Lake Ketchum is $62 per month for full coverage.

How much is car insurance in Lake Ketchum for teenagers?

Car insurance for teenagers costs $298 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 Lake Ketchum?

The average cost of car insurance is $917 for a six-month policy. It will cost around $140 per month to insure your car in Lake Ketchum.

Is car insurance expensive in Lake Ketchum?

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

Cheapest Car Insurance Quotes in Lake Ketchum

Why you can trust Way?

How Much Is Car Insurance in Lake Ketchum

Avg. Car Insurance in Lake Ketchum

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lake Ketchum

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lake Ketchum Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Ketchum, WA

Way's key takeaways about car insurance in Lake Ketchum

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Ketchum

Cheapest Liability Coverage in Lake Ketchum, WA

Cheapest Full Coverage Car Insurance in Lake Ketchum

Cheapest Full Coverage Car Insurance Quotes in Lake Ketchum, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Ketchum by Rating Factor

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

Car Insurance Premiums by Age in Lake Ketchum

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Ketchum,WA

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

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 Lake Ketchum

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Ketchum

Lake Ketchum Car Insurance Rates by Violation

Lake Ketchum auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Ketchum after a DUI

Lake Ketchum car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Ketchum after Speeding ticket

Car Insurance Price Trends in Lake Ketchum, Washington

Average Car Insurance Cost in Lake Ketchum by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Ketchum, WA

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

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