Cheapest Car Insurance Quotes in Lakeland North

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Lakeland North Car Insurance

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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 Lakeland North

The car insurance rate in Lakeland North is $968 for a six-month policy, which is $200 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $517, making it a popular choice for budget-conscious drivers. Rates in Lakeland North 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 Lakeland North

$968

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Lakeland North

1st place: Kemper

At $517 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $696 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 $718 for six months, making it the third cheapest auto insurance company in Lakeland North.

Lakeland North Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeland North, WA is Kemper, offering policies at just $517 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $696.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $1003 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeland North drivers find the best deals.

Cheap Car Insurance Companies in Lakeland North, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$517	$86
Nationwide	$696	$118
Auto-Owners Insurance Co	$718	$120
Chubb	$815	$139
Capital Insurance Group	$830	$139
State Farm	$868	$146
USAA	$898	$151
Progressive	$965	$163
PEMCO	$988	$166
American Family	$1018	$171
Travelers	$1100	$185
Farmers	$1168	$197
Allstate	$1362	$229
Granwest P&C	$1691	$287
California Causality	$853	$145
Mutual of Enumclaw	$1003	$170

Key Takeaways

Way's key takeaways about car insurance in Lakeland North

The auto insurance costs in Lakeland North fall around $517 for six months.
The cheapest auto insurance company in Lakeland North is USAA.
Teen drivers pay the highest rate in Lakeland North at $156 per month.

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Cheapest Minimum Liability Car Insurance in Lakeland North

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 Lakeland North are given below.

USAA provides the cheapest minimum car insurance coverage in Lakeland North. Their Average 6 Month Premium is $239. California Causality is the most expensive at $300 for the same period.

Cheapest Liability Coverage in Lakeland North, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$239	$40
California Casualty	$270	$45
Granwest P&C	$277	$47
PEMCO	$285	$48
Auto-Owners Insurance Co	$292	$49
Chubb	$344	$58
Travelers	$352	$59
Nationwide	$359	$60
Capital Insurance Group	$382	$63
State Farm	$382	$64
Progressive	$397	$67
American Family	$449	$76
Mutual of Enumclaw	$456	$76
Farmers	$479	$81
Allstate	$809	$136
Encompass	$262	$44
Grange	$270	$45
California Causality	$300	$50

Cheapest Full Coverage Car Insurance in Lakeland North

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 Lakeland North is Kemper at $86 per month and $517 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeland North, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$517	$86
Nationwide	$696	$118
Auto-Owners Insurance Co	$718	$120
Chubb	$815	$139
Capital Insurance Group	$830	$139
State Farm	$868	$146
USAA	$898	$151
Progressive	$965	$163
PEMCO	$988	$166
American Family	$1018	$171
Travelers	$1100	$185
Farmers	$1168	$197
Allstate	$1362	$229
Granwest P&C	$1691	$287
California Causality	$853	$145
Mutual of Enumclaw	$1003	$170

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Average Car Insurance in Lakeland North 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 Lakeland North, WA increasing?

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

Car Insurance Premiums by Age in Lakeland North

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	$853
30s	PEMCO	$597
40s	PEMCO	$604
50s	PEMCO	$573
60s	PEMCO	$604
70s	PEMCO	$750

Cheapest Car Insurance Rates for Teen Drivers in Lakeland North,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Lakeland North at $71 per month. At $921 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$420	$71
Auto-Owners Insurance Co	$427	$73
Chubb	$479	$79
State Farm	$973	$164
American Family	$1280	$215
Progressive	$1467	$247
USAA	$1542	$260
Pemco	$1571	$265
Farmers	$2230	$375
Allstate	$2574	$433
California Causality	$921	$156

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 Lakeland North.

As young drivers face the highest rates in Lakeland North, PEMCO offers the cheapest auto insurance rates at $853 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 Lakeland North, AutoOwners Insurance Co is the cheapest car insurance provider. At $292 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 Lakeland North is California Causality, offering rates of around $688 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$292	$49
Chubb	$344	$58
Travelers	$352	$59
Nationwide	$412	$68
Kemper	$449	$77
American Family	$682	$115
Progressive	$794	$134
State Farm	$921	$155
Farmers	$1018	$171
Pemco	$1176	$198
USAA	$1212	$207
Allstate	$2426	$404
National General	$494	$82
California Causality	$688	$117

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Save up to $971/yr on car insurance rates in Lakeland North.

Car Insurance Rates with An Accident in Lakeland North

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lakeland North

The cheapest car insurance companies after an at-fault accident in Lakeland North include AutoOwners Insurance Co and Encompass, offering $374 and $427, respectively. California Causality is an expensive provider with an average six-month premium of $517.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$374	$63
Encompass	$427	$73
Chubb	$441	$74
Travelers	$532	$89
USAA	$568	$96
Kemper	$621	$106
State Farm	$838	$141
PEMCO	$921	$155
American Family	$1003	$169
Capital Insurance Group	$1108	$188
Progressive	$1324	$223
Farmers	$1430	$241
Allstate	$2306	$388
California Causality	$517	$86

Lakeland North Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeland North WA. For example, the car insurance in Lakeland North after a DUI increases to $1026 for a six month policy. While the rate increases by $292 for a six-month policy in the case of a speeding ticket.

Lakeland North auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1347	$224
One Med/PIP claim	$1347	$229
Not-at-fault accident	$1392	$232
Two Med/PIP claims	$1392	$237
One comp claim	$1400	$233
Two comp claims	$1459	$248
Failure to show documents	$1609	$268
Child safety restraint	$1624	$276
Driving without lights	$1639	$273
Failure to wear a seat belt	$1639	$278
Speeding 11 - 15 MPH over limit	$1639	$273
Speeding 16 - 20 MPH over limit	$1639	$278
Speeding 6 - 10 MPH over limit	$1639	$273
Driving too slowly	$1654	$281
Driving with expired registration	$1654	$276
Cell phone violation	$1662	$282
Failure to yield	$1662	$277
Improper passing	$1662	$282
Texting while driving	$1662	$277
Wrong way/wrong lane	$1662	$282
Failure to stop at a red light	$1670	$278
Following too closely	$1670	$284
Illegal turn	$1670	$278
Speeding in school zone	$1744	$296
Passing school bus	$1751	$292
At-fault accident - less than $1000	$1774	$301
Speeding 21 - 25 MPH over limit	$1774	$296
Open container	$1782	$302
In 65 MPH zone	$1848	$309
At-fault accident - $1000-$2000	$1916	$326
At-fault accident - greater than $2000	$1924	$320
Operating a vehicle without permission	$1938	$330
Refusal to submit to a chemical test	$2320	$387
Reckless driving	$2327	$396
Driving with a suspended license	$2350	$392
DUI	$2373	$403
Racing	$2454	$410
Leaving scene of an accident/hit and run	$2470	$420

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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 Lakeland North 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 Lakeland North.

The cheapest car insurance premiums in Lakeland North are offered by Chubb at $427 for a six-month policy. However, it can be as expensive as $456 with companies like National General.

Lakeland North car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$427	$73
Auto-Owners Insurance Co	$539	$89
Travelers	$583	$98
American Family	$838	$141
Progressive	$929	$156
Pemco	$942	$159
USAA	$1033	$174
State Farm	$1085	$183
Farmers	$1482	$249
Allstate	$2185	$368
Grange	$2291	$389
Cal Casualty	$2559	$427
National General	$456	$78

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 Lakeland North are offered by Chubb at $374. However, it can be as expensive as $420 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Lakeland North after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$374	$63
Auto-Owners Insurance Co	$389	$67
Travelers	$479	$79
State Farm	$583	$98
American Family	$838	$141
USAA	$914	$155
Pemco	$921	$155
Progressive	$1092	$184
Farmers	$1273	$214
Allstate	$1685	$286
California Causality	$420	$72

Car Insurance Price Trends in Lakeland North, Washington

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

The average cost of full coverage in the Lakeland North rose by $190 in December compared to $186 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 Lakeland North rose to $64 in December, compared to $63 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 Lakeland North?

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

What is the cheapest car insurance in Lakeland North?

The cheapest car insurance in Lakeland North is $86 per month for full coverage.

How much is car insurance in Lakeland North for teenagers?

Car insurance for teenagers costs $420 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 Lakeland North?

The average cost of car insurance is $768 for a six-month policy. It will cost around $163 per month to insure your car in Lakeland North.

Is car insurance expensive in Lakeland North?

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

Cheapest Car Insurance Quotes in Lakeland North

Why you can trust Way?

How Much Is Car Insurance in Lakeland North

Avg. Car Insurance in Lakeland North

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lakeland North

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lakeland North Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeland North, WA

Way's key takeaways about car insurance in Lakeland North

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakeland North

Cheapest Liability Coverage in Lakeland North, WA

Cheapest Full Coverage Car Insurance in Lakeland North

Cheapest Full Coverage Car Insurance Quotes in Lakeland North, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakeland North by Rating Factor

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

Car Insurance Premiums by Age in Lakeland North

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakeland North,WA

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

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 Lakeland North

Cheapest Car Insurance Companies after an At-Fault Accident in Lakeland North

Lakeland North Car Insurance Rates by Violation

Lakeland North auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakeland North after a DUI

Lakeland North car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakeland North after Speeding ticket

Car Insurance Price Trends in Lakeland North, Washington

Average Car Insurance Cost in Lakeland North by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakeland North, WA

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

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