Cheapest Car Insurance Quotes in Okanogan

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Okanogan Car Insurance

^$ 30

/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 Okanogan

The car insurance rate in Okanogan is $718 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Okanogan 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 Okanogan

$718

Avg. Car Insurance in Washington

$772

National Average

$1140

Cheapest Car Insurance Companies in Okanogan

1st place: Kemper

At $381 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $513 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 $530 for six months, making it the third cheapest auto insurance company in Okanogan.

Okanogan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Okanogan, WA is Kemper, offering policies at just $381 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $513.

At the higher end of the spectrum, Granwest P&C is the most expensive, with rates reaching $1248 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Okanogan drivers find the best deals.

Cheap Car Insurance Companies in Okanogan, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$63
Nationwide	$513	$87
Auto-Owners Insurance Co	$530	$88
Chubb	$602	$102
Capital Insurance Group	$613	$102
State Farm	$641	$108
USAA	$663	$112
Progressive	$712	$120
PEMCO	$729	$123
American Family	$751	$126
Travelers	$812	$137
Farmers	$862	$145
Allstate	$1005	$169
Granwest P&C	$1248	$212

Key Takeaways

Way's key takeaways about car insurance in Okanogan

The auto insurance costs in Okanogan fall around $381 for six months.
The cheapest auto insurance company in Okanogan is USAA.
Teen drivers pay the highest rate in Okanogan at $320 per month.

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Cheapest Minimum Liability Car Insurance in Okanogan

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 Okanogan are given below.

USAA provides the cheapest minimum car insurance coverage in Okanogan. Their Average 6 Month Premium is $177. Grange is the most expensive at $199 for the same period.

Cheapest Liability Coverage in Okanogan, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$177	$30
California Casualty	$199	$33
Granwest P&C	$205	$34
PEMCO	$210	$35
Auto-Owners Insurance Co	$216	$36
Chubb	$254	$43
Travelers	$259	$44
Nationwide	$265	$45
Capital Insurance Group	$282	$47
State Farm	$282	$47
Progressive	$293	$49
American Family	$331	$56
Mutual of Enumclaw	$337	$56
Farmers	$353	$60
Allstate	$597	$100
Encompass	$193	$33
Grange	$199	$33

Cheapest Full Coverage Car Insurance in Okanogan

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 Okanogan is Kemper at $63 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in Okanogan, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$63
Nationwide	$513	$87
Auto-Owners Insurance Co	$530	$88
Chubb	$602	$102
Capital Insurance Group	$613	$102
State Farm	$641	$108
USAA	$663	$112
Progressive	$712	$120
PEMCO	$729	$123
American Family	$751	$126
Travelers	$812	$137
Farmers	$862	$145
Allstate	$1005	$169
Granwest P&C	$1248	$212

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Average Car Insurance in Okanogan 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 Okanogan, WA increasing?

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

Car Insurance Premiums by Age in Okanogan

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	$630
30s	PEMCO	$441
40s	PEMCO	$445
50s	PEMCO	$423
60s	PEMCO	$445
70s	PEMCO	$553

Cheapest Car Insurance Rates for Teen Drivers in Okanogan,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Okanogan at $52 per month. At $1900 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$310	$52
Auto-Owners Insurance Co	$315	$54
Chubb	$353	$59
State Farm	$718	$121
American Family	$945	$159
Progressive	$1083	$182
USAA	$1138	$192
Pemco	$1160	$195
Farmers	$1646	$277
Allstate	$1900	$320

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 Okanogan.

As young drivers face the highest rates in Okanogan, PEMCO offers the cheapest auto insurance rates at $630 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 Okanogan, AutoOwners Insurance Co is the cheapest car insurance provider. At $216 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 Okanogan is Allstate, offering rates of around $1790 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Chubb	$254	$43
Travelers	$259	$44
Nationwide	$304	$50
Kemper	$331	$57
American Family	$503	$85
Progressive	$586	$99
State Farm	$680	$114
Farmers	$751	$126
Pemco	$868	$146
USAA	$895	$153
Allstate	$1790	$299

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Car Insurance Rates with An Accident in Okanogan

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

Cheapest Car Insurance Companies after an At-Fault Accident in Okanogan

The cheapest car insurance companies after an at-fault accident in Okanogan include AutoOwners Insurance Co and Encompass, offering $276 and $315, respectively. Allstate is an expensive provider with an average six-month premium of $1702.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$47
Encompass	$315	$54
Chubb	$326	$55
Travelers	$392	$66
USAA	$419	$71
Kemper	$458	$78
State Farm	$618	$104
PEMCO	$680	$114
American Family	$740	$125
Capital Insurance Group	$817	$139
Progressive	$977	$165
Farmers	$1056	$178
Allstate	$1702	$286

Okanogan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Okanogan WA. For example, the car insurance in Okanogan after a DUI increases to $757 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Okanogan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$994	$166
One Med/PIP claim	$994	$169
Not-at-fault accident	$1028	$171
Two Med/PIP claims	$1028	$175
One comp claim	$1033	$172
Two comp claims	$1077	$183
Failure to show documents	$1188	$198
Child safety restraint	$1199	$204
Driving without lights	$1210	$202
Failure to wear a seat belt	$1210	$206
Speeding 11 - 15 MPH over limit	$1210	$202
Speeding 16 - 20 MPH over limit	$1210	$206
Speeding 6 - 10 MPH over limit	$1210	$202
Driving too slowly	$1221	$207
Driving with expired registration	$1221	$204
Cell phone violation	$1227	$208
Failure to yield	$1227	$205
Improper passing	$1227	$208
Texting while driving	$1227	$205
Wrong way/wrong lane	$1227	$208
Failure to stop at a red light	$1232	$206
Following too closely	$1232	$209
Illegal turn	$1232	$206
Speeding in school zone	$1287	$219
Passing school bus	$1293	$216
At-fault accident - less than $1000	$1309	$222
Speeding 21 - 25 MPH over limit	$1309	$219
Open container	$1315	$223
In 65 MPH zone	$1364	$228
At-fault accident - $1000-$2000	$1415	$241
At-fault accident - greater than $2000	$1420	$236
Operating a vehicle without permission	$1430	$244
Refusal to submit to a chemical test	$1712	$286
Reckless driving	$1718	$292
Driving with a suspended license	$1734	$289
DUI	$1751	$298
Racing	$1812	$302
Leaving scene of an accident/hit and run	$1823	$310

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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 Okanogan 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 Okanogan.

The cheapest car insurance premiums in Okanogan are offered by Chubb at $315 for a six-month policy. However, it can be as expensive as $1889 with companies like Cal Casualty.

Okanogan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$54
Auto-Owners Insurance Co	$398	$66
Travelers	$431	$73
American Family	$618	$104
Progressive	$685	$115
Pemco	$696	$117
USAA	$763	$128
State Farm	$801	$135
Farmers	$1094	$184
Allstate	$1613	$272
Grange	$1691	$287
Cal Casualty	$1889	$315

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 Okanogan are offered by Chubb at $276. However, it can be as expensive as $1243 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Okanogan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$47
Auto-Owners Insurance Co	$287	$49
Travelers	$353	$59
State Farm	$431	$73
American Family	$618	$104
USAA	$674	$114
Pemco	$680	$114
Progressive	$806	$136
Farmers	$939	$158
Allstate	$1243	$211

Car Insurance Price Trends in Okanogan, Washington

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

The average cost of full coverage in the Okanogan remained steady at $140 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Okanogan remained steady at $47 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Okanogan?

The car insurance in Okanogan is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Okanogan?

The cheapest car insurance in Okanogan is $63 per month for full coverage.

How much is car insurance in Okanogan for teenagers?

Car insurance for teenagers costs $310 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 Okanogan?

The average cost of car insurance is $772 for a six-month policy. It will cost around $121 per month to insure your car in Okanogan.

Is car insurance expensive in Okanogan?

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

Cheapest Car Insurance Quotes in Okanogan

Why you can trust Way?

How Much Is Car Insurance in Okanogan

Avg. Car Insurance in Okanogan

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Okanogan

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Okanogan Car Insurance Rates by Company

Cheap Car Insurance Companies in Okanogan, WA

Way's key takeaways about car insurance in Okanogan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Okanogan

Cheapest Liability Coverage in Okanogan, WA

Cheapest Full Coverage Car Insurance in Okanogan

Cheapest Full Coverage Car Insurance Quotes in Okanogan, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Okanogan by Rating Factor

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

Car Insurance Premiums by Age in Okanogan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Okanogan,WA

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

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 Okanogan

Cheapest Car Insurance Companies after an At-Fault Accident in Okanogan

Okanogan Car Insurance Rates by Violation

Okanogan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Okanogan after a DUI

Okanogan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Okanogan after Speeding ticket

Car Insurance Price Trends in Okanogan, Washington

Average Car Insurance Cost in Okanogan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Okanogan, WA

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

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