Cheapest Car Insurance Quotes in Lake Stevens

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Lake Stevens Car Insurance

^$ 34

/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 Stevens

The car insurance rate in Lake Stevens is $822 for a six-month policy, which is $54 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 Stevens 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 Stevens

$822

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Lake Stevens

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 Stevens.

Lake Stevens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Stevens, 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, Mutual of Enumclaw is the most expensive, with rates reaching $852 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Stevens drivers find the best deals.

Cheap Car Insurance Companies in Lake Stevens, 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
State Farm	$737	$124
USAA	$763	$128
Progressive	$820	$138
PEMCO	$839	$141
American Family	$865	$146
Travelers	$934	$157
Farmers	$992	$167
Allstate	$1157	$195
Granwest P&C	$1436	$244
California Causality	$724	$123
Mutual of Enumclaw	$852	$144

Key Takeaways

Way's key takeaways about car insurance in Lake Stevens

The auto insurance costs in Lake Stevens fall around $439 for six months.
The cheapest auto insurance company in Lake Stevens is USAA.
Teen drivers pay the highest rate in Lake Stevens at $133 per month.

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Cheapest Minimum Liability Car Insurance in Lake Stevens

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 Stevens are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Stevens. Their Average 6 Month Premium is $203. California Causality is the most expensive at $255 for the same period.

Cheapest Liability Coverage in Lake Stevens, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$203	$34
California Casualty	$229	$39
Granwest P&C	$235	$40
PEMCO	$242	$41
Auto-Owners Insurance Co	$248	$42
Chubb	$292	$49
Travelers	$299	$50
Nationwide	$305	$51
Capital Insurance Group	$324	$54
State Farm	$324	$55
Progressive	$337	$57
American Family	$381	$64
Mutual of Enumclaw	$387	$64
Farmers	$407	$68
Allstate	$687	$116
Encompass	$223	$37
Grange	$229	$39
California Causality	$255	$43

Cheapest Full Coverage Car Insurance in Lake Stevens

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

Cheapest Full Coverage Car Insurance Quotes in Lake Stevens, 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
State Farm	$737	$124
USAA	$763	$128
Progressive	$820	$138
PEMCO	$839	$141
American Family	$865	$146
Travelers	$934	$157
Farmers	$992	$167
Allstate	$1157	$195
Granwest P&C	$1436	$244
California Causality	$724	$123
Mutual of Enumclaw	$852	$144

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Average Car Insurance in Lake Stevens 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 Stevens, WA increasing?

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

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 Stevens,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lake Stevens at $60 per month. At $782 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$356	$60
Auto-Owners Insurance Co	$363	$62
Chubb	$407	$67
State Farm	$826	$139
American Family	$1087	$183
Progressive	$1245	$210
USAA	$1310	$220
Pemco	$1334	$225
Farmers	$1894	$319
Allstate	$2186	$368
California Causality	$782	$133

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 Stevens.

As young drivers face the highest rates in Lake Stevens, 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 Stevens, 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 Stevens is California Causality, offering rates of around $584 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$42
Chubb	$292	$49
Travelers	$299	$50
Nationwide	$350	$58
Kemper	$381	$65
American Family	$579	$97
Progressive	$674	$113
State Farm	$782	$132
Farmers	$865	$146
Pemco	$998	$168
USAA	$1029	$175
Allstate	$2060	$343
National General	$419	$70
California Causality	$584	$100

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

Car Insurance Rates with An Accident in Lake Stevens

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

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

The cheapest car insurance companies after an at-fault accident in Lake Stevens include AutoOwners Insurance Co and Encompass, offering $318 and $363, respectively. California Causality is an expensive provider with an average six-month premium of $439.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$54
Encompass	$363	$62
Chubb	$375	$63
Travelers	$452	$76
USAA	$483	$81
Kemper	$528	$90
State Farm	$712	$120
PEMCO	$782	$132
American Family	$852	$143
Capital Insurance Group	$941	$159
Progressive	$1125	$189
Farmers	$1214	$204
Allstate	$1958	$330
California Causality	$439	$73

Lake Stevens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Stevens WA. For example, the car insurance in Lake Stevens 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 Stevens 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 Stevens 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 Stevens.

The cheapest car insurance premiums in Lake Stevens are offered by Chubb at $363 for a six-month policy. However, it can be as expensive as $387 with companies like National General.

Lake Stevens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$363	$62
Auto-Owners Insurance Co	$458	$76
Travelers	$495	$83
American Family	$712	$120
Progressive	$789	$133
Pemco	$800	$135
USAA	$877	$148
State Farm	$921	$155
Farmers	$1258	$212
Allstate	$1855	$312
Grange	$1945	$331
Cal Casualty	$2173	$363
National General	$387	$66

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 Stevens are offered by Chubb at $318. However, it can be as expensive as $356 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Lake Stevens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$318	$54
Auto-Owners Insurance Co	$331	$57
Travelers	$407	$67
State Farm	$495	$83
American Family	$712	$120
USAA	$776	$132
Pemco	$782	$132
Progressive	$928	$156
Farmers	$1081	$182
Allstate	$1431	$243
California Causality	$356	$61

Car Insurance Price Trends in Lake Stevens, Washington

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

The average cost of full coverage in the Lake Stevens rose by $162 in December compared to $158 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Lake Stevens rose to $55 in December, compared to $54 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 Lake Stevens?

The car insurance in Lake Stevens is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Stevens?

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

How much is car insurance in Lake Stevens for teenagers?

Car insurance for teenagers costs $356 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 Stevens?

The average cost of car insurance is $768 for a six-month policy. It will cost around $138 per month to insure your car in Lake Stevens.

Is car insurance expensive in Lake Stevens?

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

Cheapest Car Insurance Quotes in Lake Stevens

Why you can trust Way?

How Much Is Car Insurance in Lake Stevens

Avg. Car Insurance in Lake Stevens

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lake Stevens

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lake Stevens Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Stevens, WA

Way's key takeaways about car insurance in Lake Stevens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Stevens

Cheapest Liability Coverage in Lake Stevens, WA

Cheapest Full Coverage Car Insurance in Lake Stevens

Cheapest Full Coverage Car Insurance Quotes in Lake Stevens, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Stevens by Rating Factor

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

Car Insurance Premiums by Age in Lake Stevens

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Stevens

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

Lake Stevens Car Insurance Rates by Violation

Lake Stevens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Stevens after a DUI

Lake Stevens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Stevens after Speeding ticket

Car Insurance Price Trends in Lake Stevens, Washington

Average Car Insurance Cost in Lake Stevens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Stevens, WA

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

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