Cheapest Car Insurance Quotes in Metaline Falls

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Metaline Falls Car Insurance

^$ 31

/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 Metaline Falls

The car insurance rate in Metaline Falls is $745 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Metaline Falls 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 Metaline Falls

$745

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Metaline Falls

1st place: Kemper

At $398 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $535 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 $553 for six months, making it the third cheapest auto insurance company in Metaline Falls.

Metaline Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Metaline Falls, WA is Kemper, offering policies at just $398 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $535.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $772 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Metaline Falls drivers find the best deals.

Cheap Car Insurance Companies in Metaline Falls, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
Nationwide	$535	$91
Auto-Owners Insurance Co	$553	$92
Chubb	$628	$107
Capital Insurance Group	$639	$107
State Farm	$668	$113
USAA	$692	$116
Progressive	$743	$125
PEMCO	$760	$128
American Family	$784	$132
Travelers	$847	$143
Farmers	$899	$151
Allstate	$1049	$177
Granwest P&C	$1302	$221
California Causality	$657	$112
Mutual of Enumclaw	$772	$131

Key Takeaways

Way's key takeaways about car insurance in Metaline Falls

The auto insurance costs in Metaline Falls fall around $398 for six months.
The cheapest auto insurance company in Metaline Falls is USAA.
Teen drivers pay the highest rate in Metaline Falls at $120 per month.

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Cheapest Minimum Liability Car Insurance in Metaline Falls

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 Metaline Falls are given below.

USAA provides the cheapest minimum car insurance coverage in Metaline Falls. Their Average 6 Month Premium is $184. California Causality is the most expensive at $231 for the same period.

Cheapest Liability Coverage in Metaline Falls, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
California Casualty	$208	$35
Granwest P&C	$213	$36
PEMCO	$219	$37
Auto-Owners Insurance Co	$225	$38
Chubb	$265	$45
Travelers	$271	$46
Nationwide	$276	$47
Capital Insurance Group	$294	$49
State Farm	$294	$49
Progressive	$306	$51
American Family	$345	$58
Mutual of Enumclaw	$351	$58
Farmers	$369	$62
Allstate	$623	$105
Encompass	$202	$34
Grange	$208	$35
California Causality	$231	$39

Cheapest Full Coverage Car Insurance in Metaline Falls

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 Metaline Falls is Kemper at $66 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Metaline Falls, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
Nationwide	$535	$91
Auto-Owners Insurance Co	$553	$92
Chubb	$628	$107
Capital Insurance Group	$639	$107
State Farm	$668	$113
USAA	$692	$116
Progressive	$743	$125
PEMCO	$760	$128
American Family	$784	$132
Travelers	$847	$143
Farmers	$899	$151
Allstate	$1049	$177
Granwest P&C	$1302	$221
California Causality	$657	$112
Mutual of Enumclaw	$772	$131

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Average Car Insurance in Metaline Falls 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 Metaline Falls, WA increasing?

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

Car Insurance Premiums by Age in Metaline Falls

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	$657
30s	PEMCO	$460
40s	PEMCO	$465
50s	PEMCO	$441
60s	PEMCO	$465
70s	PEMCO	$577

Cheapest Car Insurance Rates for Teen Drivers in Metaline Falls,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Metaline Falls at $54 per month. At $709 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$323	$54
Auto-Owners Insurance Co	$329	$56
Chubb	$369	$61
State Farm	$749	$126
American Family	$986	$166
Progressive	$1129	$190
USAA	$1187	$200
Pemco	$1210	$204
Farmers	$1717	$289
Allstate	$1982	$334
California Causality	$709	$120

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 Metaline Falls.

As young drivers face the highest rates in Metaline Falls, PEMCO offers the cheapest auto insurance rates at $657 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 Metaline Falls, AutoOwners Insurance Co is the cheapest car insurance provider. At $225 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 Metaline Falls is California Causality, offering rates of around $530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$225	$38
Chubb	$265	$45
Travelers	$271	$46
Nationwide	$317	$52
Kemper	$345	$59
American Family	$525	$88
Progressive	$611	$103
State Farm	$709	$119
Farmers	$784	$132
Pemco	$905	$152
USAA	$933	$159
Allstate	$1867	$311
National General	$380	$63
California Causality	$530	$90

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

Car Insurance Rates with An Accident in Metaline Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Metaline Falls

The cheapest car insurance companies after an at-fault accident in Metaline Falls include AutoOwners Insurance Co and Encompass, offering $288 and $329, respectively. California Causality is an expensive provider with an average six-month premium of $398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$49
Encompass	$329	$56
Chubb	$340	$57
Travelers	$409	$69
USAA	$437	$74
Kemper	$478	$81
State Farm	$645	$109
PEMCO	$709	$119
American Family	$772	$130
Capital Insurance Group	$853	$145
Progressive	$1019	$172
Farmers	$1101	$185
Allstate	$1775	$299
California Causality	$398	$66

Metaline Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Metaline Falls WA. For example, the car insurance in Metaline Falls after a DUI increases to $790 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Metaline Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1037	$173
One Med/PIP claim	$1037	$177
Not-at-fault accident	$1072	$178
Two Med/PIP claims	$1072	$182
One comp claim	$1078	$179
Two comp claims	$1123	$191
Failure to show documents	$1239	$207
Child safety restraint	$1250	$212
Driving without lights	$1262	$210
Failure to wear a seat belt	$1262	$214
Speeding 11 - 15 MPH over limit	$1262	$210
Speeding 16 - 20 MPH over limit	$1262	$214
Speeding 6 - 10 MPH over limit	$1262	$210
Driving too slowly	$1274	$216
Driving with expired registration	$1274	$212
Cell phone violation	$1279	$217
Failure to yield	$1279	$213
Improper passing	$1279	$217
Texting while driving	$1279	$213
Wrong way/wrong lane	$1279	$217
Failure to stop at a red light	$1285	$214
Following too closely	$1285	$218
Illegal turn	$1285	$214
Speeding in school zone	$1342	$228
Passing school bus	$1348	$225
At-fault accident - less than $1000	$1366	$232
Speeding 21 - 25 MPH over limit	$1366	$228
Open container	$1372	$233
In 65 MPH zone	$1423	$238
At-fault accident - $1000-$2000	$1475	$251
At-fault accident - greater than $2000	$1481	$246
Operating a vehicle without permission	$1492	$254
Refusal to submit to a chemical test	$1786	$298
Reckless driving	$1792	$305
Driving with a suspended license	$1809	$302
DUI	$1827	$310
Racing	$1890	$315
Leaving scene of an accident/hit and run	$1901	$323

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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 Metaline Falls 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 Metaline Falls.

The cheapest car insurance premiums in Metaline Falls are offered by Chubb at $329 for a six-month policy. However, it can be as expensive as $351 with companies like National General.

Metaline Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$329	$56
Auto-Owners Insurance Co	$415	$69
Travelers	$449	$76
American Family	$645	$109
Progressive	$715	$120
Pemco	$726	$122
USAA	$795	$134
State Farm	$835	$141
Farmers	$1141	$192
Allstate	$1682	$283
Grange	$1763	$300
Cal Casualty	$1970	$329
National General	$351	$60

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 Metaline Falls are offered by Chubb at $288. However, it can be as expensive as $323 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Metaline Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$49
Auto-Owners Insurance Co	$300	$51
Travelers	$369	$61
State Farm	$449	$76
American Family	$645	$109
USAA	$703	$119
Pemco	$709	$119
Progressive	$841	$142
Farmers	$980	$165
Allstate	$1297	$220
California Causality	$323	$55

Car Insurance Price Trends in Metaline Falls, Washington

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

The average cost of full coverage in the Metaline Falls rose by $146 in December compared to $144 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Metaline Falls remained steady at $49 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Metaline Falls?

The car insurance in Metaline Falls is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Metaline Falls?

The cheapest car insurance in Metaline Falls is $66 per month for full coverage.

How much is car insurance in Metaline Falls for teenagers?

Car insurance for teenagers costs $323 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 Metaline Falls?

The average cost of car insurance is $768 for a six-month policy. It will cost around $125 per month to insure your car in Metaline Falls.

Is car insurance expensive in Metaline Falls?

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

Cheapest Car Insurance Quotes in Metaline Falls

Why you can trust Way?

How Much Is Car Insurance in Metaline Falls

Avg. Car Insurance in Metaline Falls

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Metaline Falls

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Metaline Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Metaline Falls, WA

Way's key takeaways about car insurance in Metaline Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Metaline Falls

Cheapest Liability Coverage in Metaline Falls, WA

Cheapest Full Coverage Car Insurance in Metaline Falls

Cheapest Full Coverage Car Insurance Quotes in Metaline Falls, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Metaline Falls by Rating Factor

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

Car Insurance Premiums by Age in Metaline Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Metaline Falls,WA

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

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 Metaline Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Metaline Falls

Metaline Falls Car Insurance Rates by Violation

Metaline Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Metaline Falls after a DUI

Metaline Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Metaline Falls after Speeding ticket

Car Insurance Price Trends in Metaline Falls, Washington

Average Car Insurance Cost in Metaline Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Metaline Falls, WA

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

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