Cheapest Car Insurance Quotes in Neah Bay

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Neah Bay Car Insurance

^$ 28

/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 Neah Bay

The car insurance rate in Neah Bay is $668 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Neah Bay 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 Neah Bay

$668

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Neah Bay

1st place: Kemper

At $357 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $480 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 $496 for six months, making it the third cheapest auto insurance company in Neah Bay.

Neah Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Neah Bay, WA is Kemper, offering policies at just $357 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $480.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $693 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Neah Bay drivers find the best deals.

Cheap Car Insurance Companies in Neah Bay, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
Nationwide	$480	$82
Auto-Owners Insurance Co	$496	$83
Chubb	$563	$96
Capital Insurance Group	$573	$96
State Farm	$599	$101
USAA	$620	$104
Progressive	$666	$112
PEMCO	$682	$115
American Family	$703	$118
Travelers	$760	$128
Farmers	$806	$136
Allstate	$940	$158
Granwest P&C	$1168	$198
California Causality	$589	$100
Mutual of Enumclaw	$693	$117

Key Takeaways

Way's key takeaways about car insurance in Neah Bay

The auto insurance costs in Neah Bay fall around $357 for six months.
The cheapest auto insurance company in Neah Bay is USAA.
Teen drivers pay the highest rate in Neah Bay at $108 per month.

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Cheapest Minimum Liability Car Insurance in Neah Bay

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 Neah Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Neah Bay. Their Average 6 Month Premium is $165. California Causality is the most expensive at $207 for the same period.

Cheapest Liability Coverage in Neah Bay, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
California Casualty	$186	$31
Granwest P&C	$191	$32
PEMCO	$197	$33
Auto-Owners Insurance Co	$202	$34
Chubb	$238	$40
Travelers	$243	$41
Nationwide	$248	$42
Capital Insurance Group	$264	$44
State Farm	$264	$44
Progressive	$274	$46
American Family	$310	$52
Mutual of Enumclaw	$315	$52
Farmers	$331	$56
Allstate	$559	$94
Encompass	$181	$30
Grange	$186	$31
California Causality	$207	$35

Cheapest Full Coverage Car Insurance in Neah Bay

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 Neah Bay is Kemper at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Neah Bay, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
Nationwide	$480	$82
Auto-Owners Insurance Co	$496	$83
Chubb	$563	$96
Capital Insurance Group	$573	$96
State Farm	$599	$101
USAA	$620	$104
Progressive	$666	$112
PEMCO	$682	$115
American Family	$703	$118
Travelers	$760	$128
Farmers	$806	$136
Allstate	$940	$158
Granwest P&C	$1168	$198
California Causality	$589	$100
Mutual of Enumclaw	$693	$117

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Average Car Insurance in Neah Bay 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 Neah Bay, WA increasing?

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

Car Insurance Premiums by Age in Neah Bay

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	$589
30s	PEMCO	$412
40s	PEMCO	$417
50s	PEMCO	$396
60s	PEMCO	$417
70s	PEMCO	$518

Cheapest Car Insurance Rates for Teen Drivers in Neah Bay,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Neah Bay at $49 per month. At $636 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$290	$49
Auto-Owners Insurance Co	$295	$50
Chubb	$331	$55
State Farm	$672	$113
American Family	$884	$149
Progressive	$1013	$171
USAA	$1065	$179
Pemco	$1085	$183
Farmers	$1540	$259
Allstate	$1777	$299
California Causality	$636	$108

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 Neah Bay.

As young drivers face the highest rates in Neah Bay, PEMCO offers the cheapest auto insurance rates at $589 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 Neah Bay, AutoOwners Insurance Co is the cheapest car insurance provider. At $202 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 Neah Bay is California Causality, offering rates of around $475 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
Chubb	$238	$40
Travelers	$243	$41
Nationwide	$284	$47
Kemper	$310	$53
American Family	$471	$79
Progressive	$548	$92
State Farm	$636	$107
Farmers	$703	$118
Pemco	$812	$137
USAA	$837	$143
Allstate	$1675	$279
National General	$341	$57
California Causality	$475	$81

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

Car Insurance Rates with An Accident in Neah Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Neah Bay

The cheapest car insurance companies after an at-fault accident in Neah Bay include AutoOwners Insurance Co and Encompass, offering $258 and $295, respectively. California Causality is an expensive provider with an average six-month premium of $357.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$44
Encompass	$295	$50
Chubb	$305	$51
Travelers	$367	$62
USAA	$392	$66
Kemper	$429	$73
State Farm	$579	$97
PEMCO	$636	$107
American Family	$693	$117
Capital Insurance Group	$765	$130
Progressive	$914	$154
Farmers	$987	$166
Allstate	$1592	$268
California Causality	$357	$59

Neah Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Neah Bay WA. For example, the car insurance in Neah Bay after a DUI increases to $708 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Neah Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$930	$158
Not-at-fault accident	$961	$160
Two Med/PIP claims	$961	$164
One comp claim	$967	$161
Two comp claims	$1007	$171
Failure to show documents	$1111	$185
Child safety restraint	$1121	$191
Driving without lights	$1132	$189
Failure to wear a seat belt	$1132	$192
Speeding 11 - 15 MPH over limit	$1132	$189
Speeding 16 - 20 MPH over limit	$1132	$192
Speeding 6 - 10 MPH over limit	$1132	$189
Driving too slowly	$1142	$194
Driving with expired registration	$1142	$191
Cell phone violation	$1148	$195
Failure to yield	$1148	$191
Improper passing	$1148	$195
Texting while driving	$1148	$191
Wrong way/wrong lane	$1148	$195
Failure to stop at a red light	$1153	$192
Following too closely	$1153	$196
Illegal turn	$1153	$192
Speeding in school zone	$1204	$204
Passing school bus	$1209	$202
At-fault accident - less than $1000	$1225	$208
Speeding 21 - 25 MPH over limit	$1225	$204
Open container	$1230	$209
In 65 MPH zone	$1276	$213
At-fault accident - $1000-$2000	$1323	$225
At-fault accident - greater than $2000	$1328	$221
Operating a vehicle without permission	$1338	$228
Refusal to submit to a chemical test	$1602	$267
Reckless driving	$1607	$273
Driving with a suspended license	$1623	$271
DUI	$1638	$278
Racing	$1695	$283
Leaving scene of an accident/hit and run	$1705	$290

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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 Neah Bay 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 Neah Bay.

The cheapest car insurance premiums in Neah Bay are offered by Chubb at $295 for a six-month policy. However, it can be as expensive as $315 with companies like National General.

Neah Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$295	$50
Auto-Owners Insurance Co	$372	$62
Travelers	$403	$68
American Family	$579	$97
Progressive	$641	$108
Pemco	$651	$110
USAA	$713	$120
State Farm	$749	$126
Farmers	$1023	$172
Allstate	$1509	$254
Grange	$1582	$269
Cal Casualty	$1767	$295
National General	$315	$54

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 Neah Bay are offered by Chubb at $258. However, it can be as expensive as $290 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Neah Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$44
Auto-Owners Insurance Co	$269	$46
Travelers	$331	$55
State Farm	$403	$68
American Family	$579	$97
USAA	$631	$107
Pemco	$636	$107
Progressive	$754	$127
Farmers	$879	$148
Allstate	$1163	$197
California Causality	$290	$50

Car Insurance Price Trends in Neah Bay, Washington

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

The average cost of full coverage in the Neah Bay rose by $131 in December compared to $129 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 Neah Bay remained steady at $44 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 Neah Bay?

The car insurance in Neah Bay is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Neah Bay?

The cheapest car insurance in Neah Bay is $59 per month for full coverage.

How much is car insurance in Neah Bay for teenagers?

Car insurance for teenagers costs $290 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 Neah Bay?

The average cost of car insurance is $768 for a six-month policy. It will cost around $112 per month to insure your car in Neah Bay.

Is car insurance expensive in Neah Bay?

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

Cheapest Car Insurance Quotes in Neah Bay

Why you can trust Way?

How Much Is Car Insurance in Neah Bay

Avg. Car Insurance in Neah Bay

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Neah Bay

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Neah Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Neah Bay, WA

Way's key takeaways about car insurance in Neah Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Neah Bay

Cheapest Liability Coverage in Neah Bay, WA

Cheapest Full Coverage Car Insurance in Neah Bay

Cheapest Full Coverage Car Insurance Quotes in Neah Bay, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Neah Bay by Rating Factor

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

Car Insurance Premiums by Age in Neah Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Neah Bay,WA

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

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 Neah Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Neah Bay

Neah Bay Car Insurance Rates by Violation

Neah Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Neah Bay after a DUI

Neah Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Neah Bay after Speeding ticket

Car Insurance Price Trends in Neah Bay, Washington

Average Car Insurance Cost in Neah Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Neah Bay, WA

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

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