Cheapest Car Insurance Quotes in Lakewood

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Lakewood Car Insurance

^$ 44

/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 Lakewood

The car insurance rate in Lakewood is $1119 for a six-month policy, which is $202 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $500, making it a popular choice for budget-conscious drivers. Rates in Lakewood 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 Lakewood

$1119

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Lakewood

1st place: Kemper

At $500 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $673 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 $695 for six months, making it the third cheapest auto insurance company in Lakewood.

Lakewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakewood, WA is Kemper, offering policies at just $500 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $673.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2950 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakewood drivers find the best deals.

Cheap Car Insurance Companies in Lakewood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$500	$83
Nationwide	$673	$115
Auto-Owners Insurance Co	$695	$116
Chubb	$789	$134
Capital Insurance Group	$804	$134
USAA	$942	$159
Mutual of Enumclaw	$993	$166
American Family	$1015	$171
State Farm	$1015	$171
Progressive	$1036	$174
PEMCO	$1116	$188
Travelers	$1124	$189
Farmers	$1232	$207
Allstate	$1391	$234
Granwest P&C	$1637	$273
Sentry	$2950	$501

Key Takeaways

Way's key takeaways about car insurance in Lakewood

The auto insurance costs in Lakewood fall around $500 for six months.
The cheapest auto insurance company in Lakewood is California Casualty.
Teen drivers pay the highest rate in Lakewood at $831 per month.

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

Cheapest Minimum Liability Car Insurance in Lakewood

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 Lakewood are given below.

California Casualty provides the cheapest minimum car insurance coverage in Lakewood. Their Average 6 Month Premium is $261. Grange is the most expensive at $261 for the same period.

Cheapest Liability Coverage in Lakewood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$261	$44
USAA	$261	$44
Granwest P&C	$268	$45
Auto-Owners Insurance Co	$283	$48
Chubb	$333	$56
Nationwide	$348	$59
PEMCO	$348	$59
Capital Insurance Group	$370	$63
Progressive	$377	$63
American Family	$384	$66
Mutual of Enumclaw	$414	$70
State Farm	$414	$70
Travelers	$421	$71
Farmers	$493	$83
Allstate	$819	$138
Sentry	$848	$144
Encompass	$254	$43
Grange	$261	$44

Cheapest Full Coverage Car Insurance in Lakewood

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 Lakewood is Kemper at $83 per month and $500 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakewood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$500	$83
Nationwide	$673	$115
Auto-Owners Insurance Co	$695	$116
Chubb	$789	$134
Capital Insurance Group	$804	$134
USAA	$942	$159
Mutual of Enumclaw	$993	$166
American Family	$1015	$171
State Farm	$1015	$171
Progressive	$1036	$174
PEMCO	$1116	$188
Travelers	$1124	$189
Farmers	$1232	$207
Allstate	$1391	$234
Granwest P&C	$1637	$273
Sentry	$2950	$501

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Average Car Insurance in Lakewood 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 Lakewood, WA increasing?

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

Car Insurance Premiums by Age in Lakewood

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	$826
30s	PEMCO	$578
40s	PEMCO	$584
50s	PEMCO	$555
60s	PEMCO	$584
70s	PEMCO	$726

Cheapest Car Insurance Rates for Teen Drivers in Lakewood,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Lakewood at $68 per month. At $4986 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$399	$68
Auto-Owners Insurance Co	$414	$68
Chubb	$464	$79
Travelers	$1363	$229
State Farm	$1442	$243
USAA	$1674	$282
Pemco	$2058	$346
Farmers	$2485	$418
Mutual of Enumclaw	$2514	$427
Progressive	$2746	$462
Allstate	$2855	$481
Sentry	$4986	$831

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 Lakewood.

As young drivers face the highest rates in Lakewood, PEMCO offers the cheapest auto insurance rates at $826 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 Lakewood, AutoOwners Insurance Co is the cheapest car insurance provider. At $283 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 Lakewood is Sentry, offering rates of around $2950 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$283	$48
Chubb	$333	$56
American Family	$384	$66
Nationwide	$399	$66
Kemper	$434	$74
Farmers	$1131	$190
Travelers	$1203	$203
State Farm	$1427	$240
Progressive	$1435	$242
USAA	$1471	$245
Pemco	$1681	$283
Mutual of Enumclaw	$1725	$288
Allstate	$2696	$459
Sentry	$2950	$492

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lakewood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lakewood

The cheapest car insurance companies after an at-fault accident in Lakewood include AutoOwners Insurance Co and Encompass, offering $362 and $414, respectively. Sentry is an expensive provider with an average six-month premium of $5124.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$362	$61
Encompass	$414	$71
Chubb	$427	$72
American Family	$464	$79
Kemper	$601	$100
USAA	$645	$109
Travelers	$942	$159
State Farm	$964	$162
PEMCO	$1050	$177
Capital Insurance Group	$1072	$182
Mutual of Enumclaw	$1341	$223
Progressive	$1427	$240
Farmers	$1521	$256
Allstate	$2485	$418
Sentry	$5124	$854

Lakewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakewood WA. For example, the car insurance in Lakewood after a DUI increases to $993 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Lakewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1304	$217
One Med/PIP claim	$1304	$222
Not-at-fault accident	$1348	$224
Two Med/PIP claims	$1348	$229
One comp claim	$1355	$226
Two comp claims	$1413	$240
Failure to show documents	$1558	$260
Child safety restraint	$1573	$267
Driving without lights	$1587	$265
Failure to wear a seat belt	$1587	$270
Speeding 11 - 15 MPH over limit	$1587	$265
Speeding 16 - 20 MPH over limit	$1587	$270
Speeding 6 - 10 MPH over limit	$1587	$265
Driving too slowly	$1602	$272
Driving with expired registration	$1602	$267
Cell phone violation	$1609	$273
Failure to yield	$1609	$268
Improper passing	$1609	$273
Texting while driving	$1609	$268
Wrong way/wrong lane	$1609	$273
Failure to stop at a red light	$1617	$270
Following too closely	$1617	$275
Illegal turn	$1617	$270
Speeding in school zone	$1688	$287
Passing school bus	$1696	$283
At-fault accident - less than $1000	$1718	$292
Speeding 21 - 25 MPH over limit	$1718	$287
Open container	$1725	$293
In 65 MPH zone	$1790	$299
At-fault accident - $1000-$2000	$1856	$316
At-fault accident - greater than $2000	$1863	$310
Operating a vehicle without permission	$1876	$320
Refusal to submit to a chemical test	$2246	$375
Reckless driving	$2253	$383
Driving with a suspended license	$2275	$379
DUI	$2297	$390
Racing	$2377	$397
Leaving scene of an accident/hit and run	$2391	$406

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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 Lakewood 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 Lakewood.

The cheapest car insurance premiums in Lakewood are offered by Chubb at $414 for a six-month policy. However, it can be as expensive as $3884 with companies like Sentry.

Lakewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$414	$71
American Family	$456	$76
Auto-Owners Insurance Co	$522	$89
Travelers	$993	$167
Progressive	$1000	$168
USAA	$1102	$185
Pemco	$1218	$205
State Farm	$1326	$223
Farmers	$1551	$261
Mutual of Enumclaw	$1732	$289
Grange	$2218	$377
Allstate	$2268	$382
Cal Casualty	$2478	$421
Sentry	$3884	$648

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 Lakewood are offered by Chubb at $362. However, it can be as expensive as $4747 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Lakewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$362	$62
Auto-Owners Insurance Co	$377	$62
American Family	$456	$78
State Farm	$848	$143
Travelers	$1036	$174
USAA	$1138	$189
Mutual of Enumclaw	$1210	$206
Pemco	$1261	$212
Progressive	$1290	$217
Farmers	$1420	$239
Allstate	$2181	$371
Sentry	$4747	$791

Car Insurance Price Trends in Lakewood, Washington

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

The average cost of full coverage in the Lakewood rose by $238 in January compared to $184 of December. In other words, there has been an increase by $54 when you compare January and December.

The average cost of liability insurance in the Lakewood rose to $68 in January, compared to $62 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lakewood?

The car insurance in Lakewood is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Lakewood?

The cheapest car insurance in Lakewood is $83 per month for full coverage.

How much is car insurance in Lakewood for teenagers?

Car insurance for teenagers costs $399 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 Lakewood?

The average cost of car insurance is $917 for a six-month policy. It will cost around $188 per month to insure your car in Lakewood.

Is car insurance expensive in Lakewood?

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

Cheapest Car Insurance Quotes in Lakewood

Why you can trust Way?

How Much Is Car Insurance in Lakewood

Avg. Car Insurance in Lakewood

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lakewood

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lakewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakewood, WA

Way's key takeaways about car insurance in Lakewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakewood

Cheapest Liability Coverage in Lakewood, WA

Cheapest Full Coverage Car Insurance in Lakewood

Cheapest Full Coverage Car Insurance Quotes in Lakewood, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakewood by Rating Factor

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

Car Insurance Premiums by Age in Lakewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakewood,WA

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

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 Lakewood

Cheapest Car Insurance Companies after an At-Fault Accident in Lakewood

Lakewood Car Insurance Rates by Violation

Lakewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakewood after a DUI

Lakewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakewood after Speeding ticket

Car Insurance Price Trends in Lakewood, Washington

Average Car Insurance Cost in Lakewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakewood, WA

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

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