Cheapest Car Insurance Quotes in Ocean Shores

Finding the cheapest car insurance quotes in Ocean Shores shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Ocean Shores 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 Ocean Shores

The car insurance rate in Ocean Shores is $699 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Ocean Shores 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 Shores

$699

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Ocean Shores

1st place: Kemper

At $373 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $502 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 $519 for six months, making it the third cheapest auto insurance company in Ocean Shores.

Ocean Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Shores, WA is Kemper, offering policies at just $373 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $502.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $724 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Shores drivers find the best deals.

Cheap Car Insurance Companies in Ocean Shores, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$373	$62
Nationwide	$502	$86
Auto-Owners Insurance Co	$519	$86
Chubb	$589	$100
Capital Insurance Group	$600	$100
State Farm	$627	$106
USAA	$649	$109
Progressive	$697	$117
PEMCO	$713	$120
American Family	$735	$124
Travelers	$794	$134
Farmers	$844	$142
Allstate	$984	$166
Granwest P&C	$1221	$207
California Causality	$616	$105
Mutual of Enumclaw	$724	$123

Key Takeaways

Way's key takeaways about car insurance in Ocean Shores

The auto insurance costs in Ocean Shores fall around $373 for six months.
The cheapest auto insurance company in Ocean Shores is USAA.
Teen drivers pay the highest rate in Ocean Shores at $113 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ocean Shores

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 Shores are given below.

USAA provides the cheapest minimum car insurance coverage in Ocean Shores. Their Average 6 Month Premium is $173. California Causality is the most expensive at $217 for the same period.

Cheapest Liability Coverage in Ocean Shores, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$173	$29
California Casualty	$195	$33
Granwest P&C	$200	$34
PEMCO	$206	$35
Auto-Owners Insurance Co	$211	$35
Chubb	$248	$42
Travelers	$254	$43
Nationwide	$259	$44
Capital Insurance Group	$276	$46
State Farm	$276	$46
Progressive	$287	$48
American Family	$324	$55
Mutual of Enumclaw	$329	$55
Farmers	$346	$58
Allstate	$584	$98
Encompass	$189	$32
Grange	$195	$33
California Causality	$217	$36

Cheapest Full Coverage Car Insurance in Ocean Shores

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 Shores is Kemper at $62 per month and $373 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Shores, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$373	$62
Nationwide	$502	$86
Auto-Owners Insurance Co	$519	$86
Chubb	$589	$100
Capital Insurance Group	$600	$100
State Farm	$627	$106
USAA	$649	$109
Progressive	$697	$117
PEMCO	$713	$120
American Family	$735	$124
Travelers	$794	$134
Farmers	$844	$142
Allstate	$984	$166
Granwest P&C	$1221	$207
California Causality	$616	$105
Mutual of Enumclaw	$724	$123

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Ocean Shores Instantly!

Average Car Insurance in Ocean Shores 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 Shores, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Ocean Shores, 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 Shores'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 Shores

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	$616
30s	PEMCO	$431
40s	PEMCO	$436
50s	PEMCO	$414
60s	PEMCO	$436
70s	PEMCO	$541

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Ocean Shores at $51 per month. At $665 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$303	$51
Auto-Owners Insurance Co	$308	$53
Chubb	$346	$57
State Farm	$703	$118
American Family	$925	$156
Progressive	$1059	$178
USAA	$1114	$187
Pemco	$1135	$191
Farmers	$1611	$271
Allstate	$1859	$313
California Causality	$665	$113

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 Shores.

As young drivers face the highest rates in Ocean Shores, PEMCO offers the cheapest auto insurance rates at $616 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 Shores, AutoOwners Insurance Co is the cheapest car insurance provider. At $211 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 Shores is California Causality, offering rates of around $497 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$211	$35
Chubb	$248	$42
Travelers	$254	$43
Nationwide	$298	$49
Kemper	$324	$56
American Family	$492	$83
Progressive	$573	$96
State Farm	$665	$112
Farmers	$735	$124
Pemco	$849	$143
USAA	$875	$149
Allstate	$1752	$292
National General	$357	$59
California Causality	$497	$85

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Ocean Shores

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

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

The cheapest car insurance companies after an at-fault accident in Ocean Shores include AutoOwners Insurance Co and Encompass, offering $270 and $308, respectively. California Causality is an expensive provider with an average six-month premium of $373.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$270	$46
Encompass	$308	$53
Chubb	$319	$54
Travelers	$384	$65
USAA	$410	$69
Kemper	$449	$76
State Farm	$605	$102
PEMCO	$665	$112
American Family	$724	$122
Capital Insurance Group	$800	$136
Progressive	$956	$161
Farmers	$1033	$174
Allstate	$1665	$280
California Causality	$373	$62

Ocean Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Shores WA. For example, the car insurance in Ocean Shores after a DUI increases to $741 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Ocean Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$973	$162
One Med/PIP claim	$973	$166
Not-at-fault accident	$1006	$167
Two Med/PIP claims	$1006	$171
One comp claim	$1011	$168
Two comp claims	$1054	$179
Failure to show documents	$1162	$194
Child safety restraint	$1173	$199
Driving without lights	$1184	$197
Failure to wear a seat belt	$1184	$201
Speeding 11 - 15 MPH over limit	$1184	$197
Speeding 16 - 20 MPH over limit	$1184	$201
Speeding 6 - 10 MPH over limit	$1184	$197
Driving too slowly	$1195	$203
Driving with expired registration	$1195	$199
Cell phone violation	$1200	$204
Failure to yield	$1200	$200
Improper passing	$1200	$204
Texting while driving	$1200	$200
Wrong way/wrong lane	$1200	$204
Failure to stop at a red light	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Speeding in school zone	$1259	$214
Passing school bus	$1265	$211
At-fault accident - less than $1000	$1281	$217
Speeding 21 - 25 MPH over limit	$1281	$214
Open container	$1287	$218
In 65 MPH zone	$1335	$223
At-fault accident - $1000-$2000	$1384	$236
At-fault accident - greater than $2000	$1390	$231
Operating a vehicle without permission	$1400	$238
Refusal to submit to a chemical test	$1675	$279
Reckless driving	$1681	$286
Driving with a suspended license	$1697	$283
DUI	$1714	$291
Racing	$1773	$296
Leaving scene of an accident/hit and run	$1784	$303

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Shores 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 Shores.

The cheapest car insurance premiums in Ocean Shores are offered by Chubb at $308 for a six-month policy. However, it can be as expensive as $329 with companies like National General.

Ocean Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$308	$53
Auto-Owners Insurance Co	$389	$65
Travelers	$421	$71
American Family	$605	$102
Progressive	$671	$113
Pemco	$681	$115
USAA	$746	$126
State Farm	$784	$132
Farmers	$1070	$180
Allstate	$1578	$266
Grange	$1654	$281
Cal Casualty	$1848	$308
National General	$329	$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 Ocean Shores are offered by Chubb at $270. However, it can be as expensive as $303 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Ocean Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$270	$46
Auto-Owners Insurance Co	$281	$48
Travelers	$346	$57
State Farm	$421	$71
American Family	$605	$102
USAA	$660	$112
Pemco	$665	$112
Progressive	$789	$133
Farmers	$919	$155
Allstate	$1217	$207
California Causality	$303	$52

Car Insurance Price Trends in Ocean Shores, Washington

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

The average cost of full coverage in the Ocean Shores rose by $137 in December compared to $135 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 Ocean Shores remained steady at $46 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Ocean Shores?

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

What is the cheapest car insurance in Ocean Shores?

The cheapest car insurance in Ocean Shores is $62 per month for full coverage.

How much is car insurance in Ocean Shores for teenagers?

Car insurance for teenagers costs $303 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 Shores?

The average cost of car insurance is $768 for a six-month policy. It will cost around $117 per month to insure your car in Ocean Shores.

Is car insurance expensive in Ocean Shores?

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

Cheapest Car Insurance Quotes in Ocean Shores

Why you can trust Way?

How Much Is Car Insurance in Ocean Shores

Avg. Car Insurance in Ocean Shores

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Ocean Shores

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Ocean Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Shores, WA

Way's key takeaways about car insurance in Ocean Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Shores

Cheapest Liability Coverage in Ocean Shores, WA

Cheapest Full Coverage Car Insurance in Ocean Shores

Cheapest Full Coverage Car Insurance Quotes in Ocean Shores, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Shores by Rating Factor

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

Car Insurance Premiums by Age in Ocean Shores

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Shores

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

Ocean Shores Car Insurance Rates by Violation

Ocean Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Shores after a DUI

Ocean Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Shores after Speeding ticket

Car Insurance Price Trends in Ocean Shores, Washington

Average Car Insurance Cost in Ocean Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ocean Shores, WA

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

Featured Blogs

Data Sources