Cheapest Car Insurance Quotes in Ocean Park

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Ocean Park Car Insurance

^$ 32

/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 Ocean Park

The car insurance rate in Ocean Park is $768 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $410, making it a popular choice for budget-conscious drivers. Rates in Ocean Park 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 Ocean Park

$768

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Ocean Park

1st place: Kemper

At $410 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $552 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 $570 for six months, making it the third cheapest auto insurance company in Ocean Park.

Ocean Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Park, WA is Kemper, offering policies at just $410 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $552.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $796 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Park drivers find the best deals.

Cheap Car Insurance Companies in Ocean Park, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$410	$68
Nationwide	$552	$94
Auto-Owners Insurance Co	$570	$95
Chubb	$647	$110
Capital Insurance Group	$659	$110
State Farm	$689	$116
USAA	$713	$120
Progressive	$766	$129
PEMCO	$784	$132
American Family	$808	$136
Travelers	$873	$147
Farmers	$927	$156
Allstate	$1081	$182
Granwest P&C	$1342	$228
California Causality	$677	$115
Mutual of Enumclaw	$796	$135

Key Takeaways

Way's key takeaways about car insurance in Ocean Park

The auto insurance costs in Ocean Park fall around $410 for six months.
The cheapest auto insurance company in Ocean Park is USAA.
Teen drivers pay the highest rate in Ocean Park at $124 per month.

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Cheapest Minimum Liability Car Insurance in Ocean Park

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 Ocean Park are given below.

USAA provides the cheapest minimum car insurance coverage in Ocean Park. Their Average 6 Month Premium is $190. California Causality is the most expensive at $238 for the same period.

Cheapest Liability Coverage in Ocean Park, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$190	$32
California Casualty	$214	$36
Granwest P&C	$220	$37
PEMCO	$226	$38
Auto-Owners Insurance Co	$232	$39
Chubb	$273	$46
Travelers	$279	$47
Nationwide	$285	$48
Capital Insurance Group	$303	$50
State Farm	$303	$51
Progressive	$315	$53
American Family	$356	$60
Mutual of Enumclaw	$362	$60
Farmers	$380	$64
Allstate	$642	$108
Encompass	$208	$35
Grange	$214	$36
California Causality	$238	$40

Cheapest Full Coverage Car Insurance in Ocean Park

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 Ocean Park is Kemper at $68 per month and $410 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Park, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$410	$68
Nationwide	$552	$94
Auto-Owners Insurance Co	$570	$95
Chubb	$647	$110
Capital Insurance Group	$659	$110
State Farm	$689	$116
USAA	$713	$120
Progressive	$766	$129
PEMCO	$784	$132
American Family	$808	$136
Travelers	$873	$147
Farmers	$927	$156
Allstate	$1081	$182
Granwest P&C	$1342	$228
California Causality	$677	$115
Mutual of Enumclaw	$796	$135

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Average Car Insurance in Ocean Park 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 Ocean Park, WA increasing?

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

Car Insurance Premiums by Age in Ocean Park

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	$677
30s	PEMCO	$474
40s	PEMCO	$479
50s	PEMCO	$455
60s	PEMCO	$479
70s	PEMCO	$595

Cheapest Car Insurance Rates for Teen Drivers in Ocean Park,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ocean Park at $56 per month. At $731 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$333	$56
Auto-Owners Insurance Co	$339	$58
Chubb	$380	$63
State Farm	$772	$130
American Family	$1016	$171
Progressive	$1164	$196
USAA	$1224	$206
Pemco	$1247	$210
Farmers	$1770	$298
Allstate	$2043	$344
California Causality	$731	$124

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 Ocean Park.

As young drivers face the highest rates in Ocean Park, PEMCO offers the cheapest auto insurance rates at $677 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 Ocean Park, AutoOwners Insurance Co is the cheapest car insurance provider. At $232 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 Ocean Park is California Causality, offering rates of around $546 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$232	$39
Chubb	$273	$46
Travelers	$279	$47
Nationwide	$327	$54
Kemper	$356	$61
American Family	$541	$91
Progressive	$630	$106
State Farm	$731	$123
Farmers	$808	$136
Pemco	$933	$157
USAA	$962	$164
Allstate	$1925	$321
National General	$392	$65
California Causality	$546	$93

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

Car Insurance Rates with An Accident in Ocean Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Park

The cheapest car insurance companies after an at-fault accident in Ocean Park include AutoOwners Insurance Co and Encompass, offering $297 and $339, respectively. California Causality is an expensive provider with an average six-month premium of $410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$297	$50
Encompass	$339	$58
Chubb	$350	$59
Travelers	$422	$71
USAA	$451	$76
Kemper	$493	$84
State Farm	$665	$112
PEMCO	$731	$123
American Family	$796	$134
Capital Insurance Group	$879	$149
Progressive	$1051	$177
Farmers	$1135	$191
Allstate	$1830	$308
California Causality	$410	$68

Ocean Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Park WA. For example, the car insurance in Ocean Park after a DUI increases to $814 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Ocean Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1069	$178
One Med/PIP claim	$1069	$182
Not-at-fault accident	$1105	$184
Two Med/PIP claims	$1105	$188
One comp claim	$1111	$185
Two comp claims	$1158	$197
Failure to show documents	$1277	$213
Child safety restraint	$1289	$219
Driving without lights	$1301	$217
Failure to wear a seat belt	$1301	$221
Speeding 11 - 15 MPH over limit	$1301	$217
Speeding 16 - 20 MPH over limit	$1301	$221
Speeding 6 - 10 MPH over limit	$1301	$217
Driving too slowly	$1313	$223
Driving with expired registration	$1313	$219
Cell phone violation	$1319	$224
Failure to yield	$1319	$220
Improper passing	$1319	$224
Texting while driving	$1319	$220
Wrong way/wrong lane	$1319	$224
Failure to stop at a red light	$1325	$221
Following too closely	$1325	$225
Illegal turn	$1325	$221
Speeding in school zone	$1384	$235
Passing school bus	$1390	$232
At-fault accident - less than $1000	$1408	$239
Speeding 21 - 25 MPH over limit	$1408	$235
Open container	$1414	$240
In 65 MPH zone	$1467	$245
At-fault accident - $1000-$2000	$1521	$259
At-fault accident - greater than $2000	$1527	$254
Operating a vehicle without permission	$1538	$262
Refusal to submit to a chemical test	$1841	$307
Reckless driving	$1847	$314
Driving with a suspended license	$1865	$311
DUI	$1883	$320
Racing	$1948	$325
Leaving scene of an accident/hit and run	$1960	$333

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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 Ocean Park 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 Ocean Park.

The cheapest car insurance premiums in Ocean Park are offered by Chubb at $339 for a six-month policy. However, it can be as expensive as $362 with companies like National General.

Ocean Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$339	$58
Auto-Owners Insurance Co	$428	$71
Travelers	$463	$78
American Family	$665	$112
Progressive	$737	$124
Pemco	$748	$126
USAA	$820	$138
State Farm	$861	$145
Farmers	$1176	$198
Allstate	$1734	$292
Grange	$1818	$309
Cal Casualty	$2031	$339
National General	$362	$62

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 Ocean Park are offered by Chubb at $297. However, it can be as expensive as $333 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Ocean Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$297	$50
Auto-Owners Insurance Co	$309	$53
Travelers	$380	$63
State Farm	$463	$78
American Family	$665	$112
USAA	$725	$123
Pemco	$731	$123
Progressive	$867	$146
Farmers	$1010	$170
Allstate	$1337	$227
California Causality	$333	$57

Car Insurance Price Trends in Ocean Park, Washington

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

The average cost of full coverage in the Ocean Park rose by $151 in December compared to $148 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 Ocean Park rose to $51 in December, compared to $50 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 Ocean Park?

The car insurance in Ocean Park is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean Park?

The cheapest car insurance in Ocean Park is $68 per month for full coverage.

How much is car insurance in Ocean Park for teenagers?

Car insurance for teenagers costs $333 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 Ocean Park?

The average cost of car insurance is $768 for a six-month policy. It will cost around $129 per month to insure your car in Ocean Park.

Is car insurance expensive in Ocean Park?

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

Cheapest Car Insurance Quotes in Ocean Park

Why you can trust Way?

How Much Is Car Insurance in Ocean Park

Avg. Car Insurance in Ocean Park

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Ocean Park

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Ocean Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Park, WA

Way's key takeaways about car insurance in Ocean Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Park

Cheapest Liability Coverage in Ocean Park, WA

Cheapest Full Coverage Car Insurance in Ocean Park

Cheapest Full Coverage Car Insurance Quotes in Ocean Park, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Park by Rating Factor

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

Car Insurance Premiums by Age in Ocean Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ocean Park,WA

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

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 Ocean Park

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Park

Ocean Park Car Insurance Rates by Violation

Ocean Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Park after a DUI

Ocean Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Park after Speeding ticket

Car Insurance Price Trends in Ocean Park, Washington

Average Car Insurance Cost in Ocean Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ocean Park, WA

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

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