Cheapest Car Insurance Quotes in Mount Vernon

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Mount Vernon Car Insurance

^$ 29

/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 Mount Vernon

The car insurance rate in Mount Vernon is $691 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, making it a popular choice for budget-conscious drivers. Rates in Mount Vernon 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 Mount Vernon

$691

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Mount Vernon

1st place: Kemper

At $369 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $497 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 $513 for six months, making it the third cheapest auto insurance company in Mount Vernon.

Mount Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Vernon, WA is Kemper, offering policies at just $369 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $497.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $716 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Vernon drivers find the best deals.

Cheap Car Insurance Companies in Mount Vernon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
State Farm	$620	$104
USAA	$642	$108
Progressive	$689	$116
PEMCO	$706	$119
American Family	$727	$122
Travelers	$786	$132
Farmers	$834	$140
Allstate	$973	$164
Granwest P&C	$1208	$205
California Causality	$609	$104
Mutual of Enumclaw	$716	$122

Key Takeaways

Way's key takeaways about car insurance in Mount Vernon

The auto insurance costs in Mount Vernon fall around $369 for six months.
The cheapest auto insurance company in Mount Vernon is USAA.
Teen drivers pay the highest rate in Mount Vernon at $112 per month.

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Cheapest Minimum Liability Car Insurance in Mount Vernon

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 Mount Vernon are given below.

USAA provides the cheapest minimum car insurance coverage in Mount Vernon. Their Average 6 Month Premium is $171. California Causality is the most expensive at $214 for the same period.

Cheapest Liability Coverage in Mount Vernon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$171	$29
California Casualty	$193	$32
Granwest P&C	$198	$33
PEMCO	$203	$34
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
Travelers	$251	$42
Nationwide	$257	$43
Capital Insurance Group	$273	$45
State Farm	$273	$46
Progressive	$284	$48
American Family	$320	$54
Mutual of Enumclaw	$326	$54
Farmers	$342	$58
Allstate	$578	$97
Encompass	$187	$32
Grange	$193	$32
California Causality	$214	$36

Cheapest Full Coverage Car Insurance in Mount Vernon

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 Mount Vernon is Kemper at $61 per month and $369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
State Farm	$620	$104
USAA	$642	$108
Progressive	$689	$116
PEMCO	$706	$119
American Family	$727	$122
Travelers	$786	$132
Farmers	$834	$140
Allstate	$973	$164
Granwest P&C	$1208	$205
California Causality	$609	$104
Mutual of Enumclaw	$716	$122

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Average Car Insurance in Mount Vernon 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 Mount Vernon, WA increasing?

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

Car Insurance Premiums by Age in Mount Vernon

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	$609
30s	PEMCO	$427
40s	PEMCO	$431
50s	PEMCO	$410
60s	PEMCO	$431
70s	PEMCO	$536

Cheapest Car Insurance Rates for Teen Drivers in Mount Vernon,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Mount Vernon at $50 per month. At $658 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$300	$50
Auto-Owners Insurance Co	$305	$52
Chubb	$342	$57
State Farm	$695	$117
American Family	$914	$154
Progressive	$1048	$176
USAA	$1102	$185
Pemco	$1122	$189
Farmers	$1593	$268
Allstate	$1839	$310
California Causality	$658	$112

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 Mount Vernon.

As young drivers face the highest rates in Mount Vernon, PEMCO offers the cheapest auto insurance rates at $609 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 Mount Vernon, AutoOwners Insurance Co is the cheapest car insurance provider. At $209 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 Mount Vernon is California Causality, offering rates of around $491 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
Travelers	$251	$42
Nationwide	$294	$49
Kemper	$320	$55
American Family	$487	$82
Progressive	$567	$95
State Farm	$658	$111
Farmers	$727	$122
Pemco	$840	$141
USAA	$866	$148
Allstate	$1733	$289
National General	$353	$59
California Causality	$491	$84

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

Car Insurance Rates with An Accident in Mount Vernon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

The cheapest car insurance companies after an at-fault accident in Mount Vernon include AutoOwners Insurance Co and Encompass, offering $267 and $305, respectively. California Causality is an expensive provider with an average six-month premium of $369.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$45
Encompass	$305	$52
Chubb	$315	$53
Travelers	$380	$64
USAA	$406	$68
Kemper	$444	$76
State Farm	$599	$101
PEMCO	$658	$111
American Family	$716	$121
Capital Insurance Group	$791	$134
Progressive	$946	$159
Farmers	$1022	$172
Allstate	$1647	$277
California Causality	$369	$61

Mount Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Vernon WA. For example, the car insurance in Mount Vernon after a DUI increases to $733 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Mount Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$995	$166
Two Med/PIP claims	$995	$169
One comp claim	$1000	$167
Two comp claims	$1042	$177
Failure to show documents	$1149	$192
Child safety restraint	$1160	$197
Driving without lights	$1171	$195
Failure to wear a seat belt	$1171	$199
Speeding 11 - 15 MPH over limit	$1171	$195
Speeding 16 - 20 MPH over limit	$1171	$199
Speeding 6 - 10 MPH over limit	$1171	$195
Driving too slowly	$1182	$201
Driving with expired registration	$1182	$197
Cell phone violation	$1187	$202
Failure to yield	$1187	$198
Improper passing	$1187	$202
Texting while driving	$1187	$198
Wrong way/wrong lane	$1187	$202
Failure to stop at a red light	$1193	$199
Following too closely	$1193	$203
Illegal turn	$1193	$199
Speeding in school zone	$1246	$212
Passing school bus	$1251	$209
At-fault accident - less than $1000	$1267	$215
Speeding 21 - 25 MPH over limit	$1267	$212
Open container	$1273	$216
In 65 MPH zone	$1320	$221
At-fault accident - $1000-$2000	$1369	$233
At-fault accident - greater than $2000	$1374	$229
Operating a vehicle without permission	$1384	$236
Refusal to submit to a chemical test	$1657	$276
Reckless driving	$1662	$283
Driving with a suspended license	$1679	$280
DUI	$1695	$288
Racing	$1753	$293
Leaving scene of an accident/hit and run	$1764	$300

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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 Mount Vernon 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 Mount Vernon.

The cheapest car insurance premiums in Mount Vernon are offered by Chubb at $305 for a six-month policy. However, it can be as expensive as $326 with companies like National General.

Mount Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$305	$52
Auto-Owners Insurance Co	$385	$64
Travelers	$417	$70
American Family	$599	$101
Progressive	$663	$112
Pemco	$673	$113
USAA	$738	$124
State Farm	$775	$131
Farmers	$1058	$178
Allstate	$1561	$263
Grange	$1636	$278
Cal Casualty	$1828	$305
National General	$326	$56

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 Mount Vernon are offered by Chubb at $267. However, it can be as expensive as $300 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$45
Auto-Owners Insurance Co	$278	$48
Travelers	$342	$57
State Farm	$417	$70
American Family	$599	$101
USAA	$653	$111
Pemco	$658	$111
Progressive	$780	$131
Farmers	$909	$153
Allstate	$1203	$204
California Causality	$300	$51

Car Insurance Price Trends in Mount Vernon, Washington

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

The average cost of full coverage in the Mount Vernon rose by $136 in December compared to $133 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 Mount Vernon rose to $46 in December, compared to $45 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 Mount Vernon?

The car insurance in Mount Vernon is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Vernon?

The cheapest car insurance in Mount Vernon is $61 per month for full coverage.

How much is car insurance in Mount Vernon for teenagers?

Car insurance for teenagers costs $300 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 Mount Vernon?

The average cost of car insurance is $768 for a six-month policy. It will cost around $116 per month to insure your car in Mount Vernon.

Is car insurance expensive in Mount Vernon?

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

Cheapest Car Insurance Quotes in Mount Vernon

Why you can trust Way?

How Much Is Car Insurance in Mount Vernon

Avg. Car Insurance in Mount Vernon

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Mount Vernon

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Mount Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Vernon, WA

Way's key takeaways about car insurance in Mount Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Vernon

Cheapest Liability Coverage in Mount Vernon, WA

Cheapest Full Coverage Car Insurance in Mount Vernon

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Vernon by Rating Factor

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

Car Insurance Premiums by Age in Mount Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Vernon,WA

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

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 Mount Vernon

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

Mount Vernon Car Insurance Rates by Violation

Mount Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Vernon after a DUI

Mount Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Car Insurance Price Trends in Mount Vernon, Washington

Average Car Insurance Cost in Mount Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Vernon, WA

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

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