Cheapest Car Insurance Quotes in Medina

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Medina Car Insurance

^$ 36

/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 Medina

The car insurance rate in Medina is $876 for a six-month policy, which is $108 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Medina 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 Medina

$876

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Medina

1st place: Kemper

At $467 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $629 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 $650 for six months, making it the third cheapest auto insurance company in Medina.

Medina Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Medina, WA is Kemper, offering policies at just $467 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $629.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $907 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Medina drivers find the best deals.

Cheap Car Insurance Companies in Medina, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$467	$78
Nationwide	$629	$107
Auto-Owners Insurance Co	$650	$108
Chubb	$738	$125
Capital Insurance Group	$751	$125
State Farm	$785	$132
USAA	$813	$137
Progressive	$873	$147
PEMCO	$894	$150
American Family	$921	$155
Travelers	$995	$168
Farmers	$1057	$178
Allstate	$1232	$207
Granwest P&C	$1530	$260
California Causality	$772	$131
Mutual of Enumclaw	$907	$154

Key Takeaways

Way's key takeaways about car insurance in Medina

The auto insurance costs in Medina fall around $467 for six months.
The cheapest auto insurance company in Medina is USAA.
Teen drivers pay the highest rate in Medina at $141 per month.

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

Cheapest Minimum Liability Car Insurance in Medina

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 Medina are given below.

USAA provides the cheapest minimum car insurance coverage in Medina. Their Average 6 Month Premium is $217. California Causality is the most expensive at $271 for the same period.

Cheapest Liability Coverage in Medina, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$217	$36
California Casualty	$244	$41
Granwest P&C	$251	$42
PEMCO	$258	$43
Auto-Owners Insurance Co	$264	$44
Chubb	$311	$52
Travelers	$318	$54
Nationwide	$325	$55
Capital Insurance Group	$345	$57
State Farm	$345	$58
Progressive	$359	$60
American Family	$406	$68
Mutual of Enumclaw	$413	$68
Farmers	$433	$73
Allstate	$732	$123
Encompass	$237	$40
Grange	$244	$41
California Causality	$271	$46

Cheapest Full Coverage Car Insurance in Medina

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 Medina is Kemper at $78 per month and $467 for six months.

Cheapest Full Coverage Car Insurance Quotes in Medina, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$467	$78
Nationwide	$629	$107
Auto-Owners Insurance Co	$650	$108
Chubb	$738	$125
Capital Insurance Group	$751	$125
State Farm	$785	$132
USAA	$813	$137
Progressive	$873	$147
PEMCO	$894	$150
American Family	$921	$155
Travelers	$995	$168
Farmers	$1057	$178
Allstate	$1232	$207
Granwest P&C	$1530	$260
California Causality	$772	$131
Mutual of Enumclaw	$907	$154

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Average Car Insurance in Medina 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 Medina, WA increasing?

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

Car Insurance Premiums by Age in Medina

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	$772
30s	PEMCO	$540
40s	PEMCO	$546
50s	PEMCO	$519
60s	PEMCO	$546
70s	PEMCO	$678

Cheapest Car Insurance Rates for Teen Drivers in Medina,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Medina at $64 per month. At $833 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$380	$64
Auto-Owners Insurance Co	$386	$66
Chubb	$433	$72
State Farm	$880	$148
American Family	$1158	$195
Progressive	$1327	$223
USAA	$1395	$235
Pemco	$1422	$239
Farmers	$2018	$340
Allstate	$2329	$392
California Causality	$833	$141

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 Medina.

As young drivers face the highest rates in Medina, PEMCO offers the cheapest auto insurance rates at $772 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 Medina, AutoOwners Insurance Co is the cheapest car insurance provider. At $264 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 Medina is California Causality, offering rates of around $622 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$44
Chubb	$311	$52
Travelers	$318	$54
Nationwide	$373	$62
Kemper	$406	$70
American Family	$617	$104
Progressive	$718	$121
State Farm	$833	$140
Farmers	$921	$155
Pemco	$1064	$179
USAA	$1097	$187
Allstate	$2195	$366
National General	$447	$74
California Causality	$622	$106

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

Car Insurance Rates with An Accident in Medina

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

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

The cheapest car insurance companies after an at-fault accident in Medina include AutoOwners Insurance Co and Encompass, offering $339 and $386, respectively. California Causality is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$57
Encompass	$386	$66
Chubb	$399	$67
Travelers	$481	$81
USAA	$514	$87
Kemper	$562	$96
State Farm	$758	$128
PEMCO	$833	$140
American Family	$907	$153
Capital Insurance Group	$1002	$170
Progressive	$1198	$202
Farmers	$1294	$218
Allstate	$2086	$351
California Causality	$467	$78

Medina Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Medina WA. For example, the car insurance in Medina after a DUI increases to $928 for a six month policy. While the rate increases by $264 for a six-month policy in the case of a speeding ticket.

Medina auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1219	$203
One Med/PIP claim	$1219	$207
Not-at-fault accident	$1260	$210
Two Med/PIP claims	$1260	$214
One comp claim	$1267	$211
Two comp claims	$1320	$225
Failure to show documents	$1456	$243
Child safety restraint	$1469	$250
Driving without lights	$1483	$247
Failure to wear a seat belt	$1483	$252
Speeding 11 - 15 MPH over limit	$1483	$247
Speeding 16 - 20 MPH over limit	$1483	$252
Speeding 6 - 10 MPH over limit	$1483	$247
Driving too slowly	$1497	$254
Driving with expired registration	$1497	$250
Cell phone violation	$1504	$255
Failure to yield	$1504	$251
Improper passing	$1504	$255
Texting while driving	$1504	$251
Wrong way/wrong lane	$1504	$255
Failure to stop at a red light	$1510	$252
Following too closely	$1510	$257
Illegal turn	$1510	$252
Speeding in school zone	$1578	$268
Passing school bus	$1585	$264
At-fault accident - less than $1000	$1605	$272
Speeding 21 - 25 MPH over limit	$1605	$268
Open container	$1612	$274
In 65 MPH zone	$1672	$279
At-fault accident - $1000-$2000	$1734	$295
At-fault accident - greater than $2000	$1741	$290
Operating a vehicle without permission	$1753	$299
Refusal to submit to a chemical test	$2099	$350
Reckless driving	$2106	$358
Driving with a suspended license	$2126	$355
DUI	$2147	$365
Racing	$2221	$370
Leaving scene of an accident/hit and run	$2234	$380

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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 Medina 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 Medina.

The cheapest car insurance premiums in Medina are offered by Chubb at $386 for a six-month policy. However, it can be as expensive as $413 with companies like National General.

Medina car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$386	$66
Auto-Owners Insurance Co	$488	$81
Travelers	$528	$89
American Family	$758	$128
Progressive	$840	$141
Pemco	$853	$144
USAA	$935	$157
State Farm	$982	$165
Farmers	$1341	$226
Allstate	$1977	$333
Grange	$2073	$352
Cal Casualty	$2315	$386
National General	$413	$71

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 Medina are offered by Chubb at $339. However, it can be as expensive as $380 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Medina after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$57
Auto-Owners Insurance Co	$352	$60
Travelers	$433	$72
State Farm	$528	$89
American Family	$758	$128
USAA	$826	$140
Pemco	$833	$140
Progressive	$988	$166
Farmers	$1151	$194
Allstate	$1524	$259
California Causality	$380	$65

Car Insurance Price Trends in Medina, Washington

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

The average cost of full coverage in the Medina rose by $172 in December compared to $169 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Medina rose to $58 in December, compared to $57 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 Medina?

The car insurance in Medina is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Medina?

The cheapest car insurance in Medina is $78 per month for full coverage.

How much is car insurance in Medina for teenagers?

Car insurance for teenagers costs $380 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 Medina?

The average cost of car insurance is $768 for a six-month policy. It will cost around $147 per month to insure your car in Medina.

Is car insurance expensive in Medina?

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

Cheapest Car Insurance Quotes in Medina

Why you can trust Way?

How Much Is Car Insurance in Medina

Avg. Car Insurance in Medina

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Medina

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Medina Car Insurance Rates by Company

Cheap Car Insurance Companies in Medina, WA

Way's key takeaways about car insurance in Medina

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Medina

Cheapest Liability Coverage in Medina, WA

Cheapest Full Coverage Car Insurance in Medina

Cheapest Full Coverage Car Insurance Quotes in Medina, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Medina by Rating Factor

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

Car Insurance Premiums by Age in Medina

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Medina,WA

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

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 Medina

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

Medina Car Insurance Rates by Violation

Medina auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Medina after a DUI

Medina car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Medina after Speeding ticket

Car Insurance Price Trends in Medina, Washington

Average Car Insurance Cost in Medina by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Medina, WA

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

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