Cheapest Car Insurance Quotes in Lake Shore

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Lake Shore Car Insurance

^$ 39

/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 Shore

The car insurance rate in Lake Shore is $981 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in Lake Shore 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 Shore

$981

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Lake Shore

1st place: Kemper

At $439 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $591 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 $610 for six months, making it the third cheapest auto insurance company in Lake Shore.

Lake Shore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Shore, WA is Kemper, offering policies at just $439 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $591.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2587 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Shore drivers find the best deals.

Cheap Car Insurance Companies in Lake Shore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$439	$73
Nationwide	$591	$101
Auto-Owners Insurance Co	$610	$102
Chubb	$692	$118
Capital Insurance Group	$705	$118
USAA	$826	$139
Mutual of Enumclaw	$871	$146
American Family	$890	$150
State Farm	$890	$150
Progressive	$908	$153
PEMCO	$979	$165
Travelers	$985	$166
Farmers	$1081	$182
Allstate	$1220	$205
Granwest P&C	$1436	$240
Sentry	$2587	$440

Key Takeaways

Way's key takeaways about car insurance in Lake Shore

The auto insurance costs in Lake Shore fall around $439 for six months.
The cheapest auto insurance company in Lake Shore is California Casualty.
Teen drivers pay the highest rate in Lake Shore at $729 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 Lake Shore

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 Shore are given below.

California Casualty provides the cheapest minimum car insurance coverage in Lake Shore. Their Average 6 Month Premium is $229. Grange is the most expensive at $229 for the same period.

Cheapest Liability Coverage in Lake Shore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$229	$39
USAA	$229	$39
Granwest P&C	$235	$40
Auto-Owners Insurance Co	$248	$42
Chubb	$292	$49
Nationwide	$305	$51
PEMCO	$305	$51
Capital Insurance Group	$324	$56
Progressive	$331	$56
American Family	$337	$58
Mutual of Enumclaw	$363	$61
State Farm	$363	$61
Travelers	$369	$62
Farmers	$432	$73
Allstate	$718	$121
Sentry	$744	$126
Encompass	$223	$37
Grange	$229	$39

Cheapest Full Coverage Car Insurance in Lake Shore

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 Shore is Kemper at $73 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Shore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$439	$73
Nationwide	$591	$101
Auto-Owners Insurance Co	$610	$102
Chubb	$692	$118
Capital Insurance Group	$705	$118
USAA	$826	$139
Mutual of Enumclaw	$871	$146
American Family	$890	$150
State Farm	$890	$150
Progressive	$908	$153
PEMCO	$979	$165
Travelers	$985	$166
Farmers	$1081	$182
Allstate	$1220	$205
Granwest P&C	$1436	$240
Sentry	$2587	$440

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Average Car Insurance in Lake Shore 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 Shore, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Shore, 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 Shore'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 Shore

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	$724
30s	PEMCO	$507
40s	PEMCO	$513
50s	PEMCO	$487
60s	PEMCO	$513
70s	PEMCO	$637

Cheapest Car Insurance Rates for Teen Drivers in Lake Shore,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 Shore at $60 per month. At $4373 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$350	$60
Auto-Owners Insurance Co	$363	$60
Chubb	$407	$70
Travelers	$1195	$201
State Farm	$1265	$213
USAA	$1468	$247
Pemco	$1805	$304
Farmers	$2180	$367
Mutual of Enumclaw	$2205	$375
Progressive	$2409	$406
Allstate	$2504	$422
Sentry	$4373	$729

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 Shore.

As young drivers face the highest rates in Lake Shore, PEMCO offers the cheapest auto insurance rates at $724 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 Shore, AutoOwners Insurance Co is the cheapest car insurance provider. At $248 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 Shore is Sentry, offering rates of around $2587 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$42
Chubb	$292	$49
American Family	$337	$58
Nationwide	$350	$58
Kemper	$381	$65
Farmers	$992	$167
Travelers	$1055	$178
State Farm	$1252	$211
Progressive	$1258	$212
USAA	$1290	$215
Pemco	$1474	$248
Mutual of Enumclaw	$1513	$253
Allstate	$2365	$402
Sentry	$2587	$431

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lake Shore.

Car Insurance Rates with An Accident in Lake Shore

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

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

The cheapest car insurance companies after an at-fault accident in Lake Shore include AutoOwners Insurance Co and Encompass, offering $318 and $363, respectively. Sentry is an expensive provider with an average six-month premium of $4494.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$54
Encompass	$363	$62
Chubb	$375	$63
American Family	$407	$70
Kemper	$528	$88
USAA	$566	$95
Travelers	$826	$139
State Farm	$845	$142
PEMCO	$921	$155
Capital Insurance Group	$941	$159
Mutual of Enumclaw	$1176	$196
Progressive	$1252	$211
Farmers	$1334	$225
Allstate	$2180	$367
Sentry	$4494	$749

Lake Shore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Shore WA. For example, the car insurance in Lake Shore after a DUI increases to $871 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Lake Shore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1144	$190
One Med/PIP claim	$1144	$195
Not-at-fault accident	$1182	$197
Two Med/PIP claims	$1182	$201
One comp claim	$1189	$198
Two comp claims	$1239	$211
Failure to show documents	$1366	$228
Child safety restraint	$1379	$234
Driving without lights	$1392	$232
Failure to wear a seat belt	$1392	$236
Speeding 11 - 15 MPH over limit	$1392	$232
Speeding 16 - 20 MPH over limit	$1392	$236
Speeding 6 - 10 MPH over limit	$1392	$232
Driving too slowly	$1405	$239
Driving with expired registration	$1405	$234
Cell phone violation	$1411	$240
Failure to yield	$1411	$235
Improper passing	$1411	$240
Texting while driving	$1411	$235
Wrong way/wrong lane	$1411	$240
Failure to stop at a red light	$1418	$236
Following too closely	$1418	$241
Illegal turn	$1418	$236
Speeding in school zone	$1481	$251
Passing school bus	$1487	$248
At-fault accident - less than $1000	$1507	$256
Speeding 21 - 25 MPH over limit	$1507	$251
Open container	$1513	$257
In 65 MPH zone	$1570	$262
At-fault accident - $1000-$2000	$1627	$277
At-fault accident - greater than $2000	$1634	$272
Operating a vehicle without permission	$1646	$280
Refusal to submit to a chemical test	$1970	$328
Reckless driving	$1976	$336
Driving with a suspended license	$1996	$333
DUI	$2015	$342
Racing	$2084	$348
Leaving scene of an accident/hit and run	$2097	$356

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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 Shore 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 Shore.

The cheapest car insurance premiums in Lake Shore are offered by Chubb at $363 for a six-month policy. However, it can be as expensive as $3407 with companies like Sentry.

Lake Shore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$363	$62
American Family	$400	$66
Auto-Owners Insurance Co	$458	$78
Travelers	$871	$147
Progressive	$877	$148
USAA	$966	$163
Pemco	$1068	$180
State Farm	$1163	$196
Farmers	$1360	$229
Mutual of Enumclaw	$1519	$254
Grange	$1945	$331
Allstate	$1989	$335
Cal Casualty	$2173	$369
Sentry	$3407	$568

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 Shore are offered by Chubb at $318. However, it can be as expensive as $4163 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Lake Shore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$318	$55
Auto-Owners Insurance Co	$331	$55
American Family	$400	$68
State Farm	$744	$125
Travelers	$908	$153
USAA	$998	$166
Mutual of Enumclaw	$1061	$181
Pemco	$1106	$186
Progressive	$1131	$190
Farmers	$1245	$210
Allstate	$1913	$325
Sentry	$4163	$693

Car Insurance Price Trends in Lake Shore, Washington

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

The average cost of full coverage in the Lake Shore rose by $209 in January compared to $162 of December. In other words, there has been an increase by $47 when you compare January and December.

The average cost of liability insurance in the Lake Shore rose to $60 in January, compared to $55 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 Shore?

The car insurance in Lake Shore is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Shore?

The cheapest car insurance in Lake Shore is $73 per month for full coverage.

How much is car insurance in Lake Shore for teenagers?

Car insurance for teenagers costs $350 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 Shore?

The average cost of car insurance is $917 for a six-month policy. It will cost around $165 per month to insure your car in Lake Shore.

Is car insurance expensive in Lake Shore?

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

Cheapest Car Insurance Quotes in Lake Shore

Why you can trust Way?

How Much Is Car Insurance in Lake Shore

Avg. Car Insurance in Lake Shore

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lake Shore

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lake Shore Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Shore, WA

Way's key takeaways about car insurance in Lake Shore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Shore

Cheapest Liability Coverage in Lake Shore, WA

Cheapest Full Coverage Car Insurance in Lake Shore

Cheapest Full Coverage Car Insurance Quotes in Lake Shore, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Shore by Rating Factor

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

Car Insurance Premiums by Age in Lake Shore

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Shore

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

Lake Shore Car Insurance Rates by Violation

Lake Shore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Shore after a DUI

Lake Shore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Shore after Speeding ticket

Car Insurance Price Trends in Lake Shore, Washington

Average Car Insurance Cost in Lake Shore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Shore, WA

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

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