Cheapest Car Insurance Quotes in North Lynnwood

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North Lynnwood Car Insurance

^$ 38

/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 North Lynnwood

The car insurance rate in North Lynnwood is $906 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in North Lynnwood 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 North Lynnwood

$906

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in North Lynnwood

1st place: Kemper

At $484 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $651 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 $673 for six months, making it the third cheapest auto insurance company in North Lynnwood.

North Lynnwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Lynnwood, WA is Kemper, offering policies at just $484 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $651.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Lynnwood drivers find the best deals.

Cheap Car Insurance Companies in North Lynnwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$484	$80
Nationwide	$651	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$763	$130
Capital Insurance Group	$778	$130
State Farm	$813	$137
USAA	$841	$142
Progressive	$904	$152
PEMCO	$925	$156
American Family	$953	$160
Travelers	$1030	$173
Farmers	$1094	$184
Allstate	$1276	$215
Granwest P&C	$1584	$269
California Causality	$799	$136
Mutual of Enumclaw	$939	$159

Key Takeaways

Way's key takeaways about car insurance in North Lynnwood

The auto insurance costs in North Lynnwood fall around $484 for six months.
The cheapest auto insurance company in North Lynnwood is USAA.
Teen drivers pay the highest rate in North Lynnwood at $146 per month.

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Cheapest Minimum Liability Car Insurance in North Lynnwood

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 North Lynnwood are given below.

USAA provides the cheapest minimum car insurance coverage in North Lynnwood. Their Average 6 Month Premium is $224. California Causality is the most expensive at $281 for the same period.

Cheapest Liability Coverage in North Lynnwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$224	$38
California Casualty	$253	$42
Granwest P&C	$260	$44
PEMCO	$267	$45
Auto-Owners Insurance Co	$274	$46
Chubb	$322	$54
Travelers	$329	$55
Nationwide	$336	$57
Capital Insurance Group	$358	$59
State Farm	$358	$60
Progressive	$372	$63
American Family	$420	$71
Mutual of Enumclaw	$427	$71
Farmers	$448	$76
Allstate	$758	$127
Encompass	$245	$41
Grange	$253	$42
California Causality	$281	$47

Cheapest Full Coverage Car Insurance in North Lynnwood

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 North Lynnwood is Kemper at $80 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Lynnwood, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$484	$80
Nationwide	$651	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$763	$130
Capital Insurance Group	$778	$130
State Farm	$813	$137
USAA	$841	$142
Progressive	$904	$152
PEMCO	$925	$156
American Family	$953	$160
Travelers	$1030	$173
Farmers	$1094	$184
Allstate	$1276	$215
Granwest P&C	$1584	$269
California Causality	$799	$136
Mutual of Enumclaw	$939	$159

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Average Car Insurance in North Lynnwood 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 North Lynnwood, WA increasing?

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

Car Insurance Premiums by Age in North Lynnwood

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	$799
30s	PEMCO	$559
40s	PEMCO	$565
50s	PEMCO	$537
60s	PEMCO	$565
70s	PEMCO	$702

Cheapest Car Insurance Rates for Teen Drivers in North Lynnwood,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the North Lynnwood at $66 per month. At $863 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$393	$66
Auto-Owners Insurance Co	$400	$68
Chubb	$448	$74
State Farm	$911	$153
American Family	$1199	$202
Progressive	$1374	$231
USAA	$1444	$243
Pemco	$1471	$248
Farmers	$2089	$352
Allstate	$2411	$406
California Causality	$863	$146

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 North Lynnwood.

As young drivers face the highest rates in North Lynnwood, PEMCO offers the cheapest auto insurance rates at $799 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 North Lynnwood, AutoOwners Insurance Co is the cheapest car insurance provider. At $274 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 North Lynnwood is California Causality, offering rates of around $644 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$274	$46
Chubb	$322	$54
Travelers	$329	$55
Nationwide	$386	$64
Kemper	$420	$72
American Family	$638	$107
Progressive	$743	$125
State Farm	$863	$145
Farmers	$953	$160
Pemco	$1101	$185
USAA	$1135	$194
Allstate	$2272	$379
National General	$463	$77
California Causality	$644	$110

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

Car Insurance Rates with An Accident in North Lynnwood

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Lynnwood

The cheapest car insurance companies after an at-fault accident in North Lynnwood include AutoOwners Insurance Co and Encompass, offering $350 and $400, respectively. California Causality is an expensive provider with an average six-month premium of $484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$59
Encompass	$400	$68
Chubb	$413	$70
Travelers	$498	$84
USAA	$532	$90
Kemper	$582	$99
State Farm	$785	$132
PEMCO	$863	$145
American Family	$939	$158
Capital Insurance Group	$1037	$176
Progressive	$1240	$209
Farmers	$1339	$225
Allstate	$2159	$363
California Causality	$484	$80

North Lynnwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Lynnwood WA. For example, the car insurance in North Lynnwood after a DUI increases to $961 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

North Lynnwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1261	$210
One Med/PIP claim	$1261	$215
Not-at-fault accident	$1304	$217
Two Med/PIP claims	$1304	$222
One comp claim	$1311	$218
Two comp claims	$1366	$232
Failure to show documents	$1507	$251
Child safety restraint	$1521	$258
Driving without lights	$1535	$256
Failure to wear a seat belt	$1535	$261
Speeding 11 - 15 MPH over limit	$1535	$256
Speeding 16 - 20 MPH over limit	$1535	$261
Speeding 6 - 10 MPH over limit	$1535	$256
Driving too slowly	$1549	$263
Driving with expired registration	$1549	$258
Cell phone violation	$1556	$264
Failure to yield	$1556	$260
Improper passing	$1556	$264
Texting while driving	$1556	$260
Wrong way/wrong lane	$1556	$264
Failure to stop at a red light	$1564	$261
Following too closely	$1564	$266
Illegal turn	$1564	$261
Speeding in school zone	$1633	$277
Passing school bus	$1640	$274
At-fault accident - less than $1000	$1661	$282
Speeding 21 - 25 MPH over limit	$1661	$277
Open container	$1669	$283
In 65 MPH zone	$1731	$289
At-fault accident - $1000-$2000	$1795	$306
At-fault accident - greater than $2000	$1802	$300
Operating a vehicle without permission	$1815	$309
Refusal to submit to a chemical test	$2172	$362
Reckless driving	$2179	$371
Driving with a suspended license	$2201	$367
DUI	$2222	$378
Racing	$2299	$384
Leaving scene of an accident/hit and run	$2313	$393

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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 North Lynnwood 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 North Lynnwood.

The cheapest car insurance premiums in North Lynnwood are offered by Chubb at $400 for a six-month policy. However, it can be as expensive as $427 with companies like National General.

North Lynnwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$400	$68
Auto-Owners Insurance Co	$505	$84
Travelers	$546	$92
American Family	$785	$132
Progressive	$870	$146
Pemco	$883	$149
USAA	$968	$163
State Farm	$1016	$171
Farmers	$1388	$234
Allstate	$2046	$345
Grange	$2145	$365
Cal Casualty	$2397	$400
National General	$427	$73

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 North Lynnwood are offered by Chubb at $350. However, it can be as expensive as $393 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in North Lynnwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$350	$59
Auto-Owners Insurance Co	$365	$63
Travelers	$448	$74
State Farm	$546	$92
American Family	$785	$132
USAA	$856	$145
Pemco	$863	$145
Progressive	$1023	$172
Farmers	$1192	$201
Allstate	$1578	$268
California Causality	$393	$67

Car Insurance Price Trends in North Lynnwood, Washington

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

The average cost of full coverage in the North Lynnwood rose by $178 in December compared to $175 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 North Lynnwood rose to $60 in December, compared to $59 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 North Lynnwood?

The car insurance in North Lynnwood is $38 per month, which is lower than the national average.

What is the cheapest car insurance in North Lynnwood?

The cheapest car insurance in North Lynnwood is $80 per month for full coverage.

How much is car insurance in North Lynnwood for teenagers?

Car insurance for teenagers costs $393 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 North Lynnwood?

The average cost of car insurance is $768 for a six-month policy. It will cost around $152 per month to insure your car in North Lynnwood.

Is car insurance expensive in North Lynnwood?

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

Cheapest Car Insurance Quotes in North Lynnwood

Why you can trust Way?

How Much Is Car Insurance in North Lynnwood

Avg. Car Insurance in North Lynnwood

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in North Lynnwood

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

North Lynnwood Car Insurance Rates by Company

Cheap Car Insurance Companies in North Lynnwood, WA

Way's key takeaways about car insurance in North Lynnwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Lynnwood

Cheapest Liability Coverage in North Lynnwood, WA

Cheapest Full Coverage Car Insurance in North Lynnwood

Cheapest Full Coverage Car Insurance Quotes in North Lynnwood, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Lynnwood by Rating Factor

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

Car Insurance Premiums by Age in North Lynnwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Lynnwood,WA

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

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 North Lynnwood

Cheapest Car Insurance Companies after an At-Fault Accident in North Lynnwood

North Lynnwood Car Insurance Rates by Violation

North Lynnwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Lynnwood after a DUI

North Lynnwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Lynnwood after Speeding ticket

Car Insurance Price Trends in North Lynnwood, Washington

Average Car Insurance Cost in North Lynnwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Lynnwood, WA

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

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