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Olympia Car Insurance
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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.
The car insurance rate in the Olympia is $711, which is $14 lower than the state average. Kemper offers the cheapest insurance rates in the city at $402 for a six-month policy.
$711
$725
$1146
At $402 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $541 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $559 for six months, making it the third cheapest auto insurance company in Olympia.
Based on our research, the cheapest car insurance companies in Olympia WA include Kemper, offering $402 for a six-month policy. This is followed by Nationwide, with an average six-month premium of $541. Allstate is the most expensive, at $1071.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $402 | $67 |
| Nationwide | $541 | $92 |
| Auto-Owners Insurance Co | $559 | $93 |
| USAA | $582 | $98 |
| Chubb | $634 | $106 |
| Capital Insurance Group | $646 | $110 |
| State Farm | $699 | $118 |
| Progressive | $728 | $123 |
| American Family | $733 | $123 |
| Travelers | $757 | $127 |
| Mutual of Enumclaw | $780 | $130 |
| PEMCO | $798 | $134 |
| Pemco | $798 | $134 |
| Farmers | $937 | $158 |
| Allstate | $1071 | $180 |
Save up to $971/yr with our auto insurance quotes
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 Olympia are given below.
USAA provides the cheapest minimum car insurance coverage in Olympia. Their Average 6 Month Premium is $157. Allstate is the most expensive at $617 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $157 | $26 |
| Encompass | $204 | $34 |
| Grange | $210 | $35 |
| PEMCO | $216 | $36 |
| Pemco | $221 | $37 |
| Auto-Owners Insurance Co | $227 | $38 |
| Chubb | $268 | $45 |
| Nationwide | $279 | $47 |
| State Farm | $279 | $47 |
| Travelers | $279 | $47 |
| Progressive | $291 | $49 |
| Capital Insurance Group | $297 | $49 |
| American Family | $349 | $59 |
| Farmers | $367 | $62 |
| Allstate | $617 | $104 |
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 Olympia is Kemper at $67 per month and $402 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $402 | $67 |
| Nationwide | $541 | $92 |
| Auto-Owners Insurance Co | $559 | $93 |
| USAA | $582 | $98 |
| Chubb | $634 | $106 |
| Capital Insurance Group | $646 | $110 |
| State Farm | $699 | $118 |
| Progressive | $728 | $123 |
| American Family | $733 | $123 |
| Travelers | $757 | $127 |
| Mutual of Enumclaw | $780 | $130 |
| PEMCO | $798 | $134 |
| Pemco | $798 | $134 |
| Farmers | $937 | $158 |
| Allstate | $1071 | $180 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Olympia, 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, Olympia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | PEMCO | $663 |
| 30s | PEMCO | $465 |
| 40s | PEMCO | $469 |
| 50s | PEMCO | $446 |
| 60s | PEMCO | $469 |
| 70s | PEMCO | $583 |
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Olympia at $53 per month. At $2002 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $315 | $53 |
| Auto-Owners Insurance Co | $332 | $55 |
| Chubb | $372 | $64 |
| State Farm | $966 | $163 |
| American Family | $996 | $168 |
| Progressive | $1147 | $193 |
| USAA | $1194 | $201 |
| PEMCO | $1216 | $205 |
| Pemco | $1653 | $278 |
| Farmers | $1705 | $287 |
| Allstate | $2002 | $337 |
Teen Car Insurance Rates in WA by Age
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.
For those with poor credit scores in Olympia, AutoOwners Insurance Co is the cheapest car insurance provider. At $227 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 Olympia is Allstate, offering rates of around $1887 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $227 | $38 |
| Chubb | $268 | $45 |
| Travelers | $273 | $46 |
| Nationwide | $320 | $53 |
| Kemper | $349 | $60 |
| American Family | $530 | $89 |
| Progressive | $617 | $104 |
| State Farm | $716 | $121 |
| Farmers | $792 | $133 |
| PEMCO | $914 | $154 |
| Pemco | $914 | $154 |
| USAA | $943 | $161 |
| Allstate | $1887 | $315 |
Save up to $971/yr on car insurance rates in Olympia.
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 Olympia, WA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Olympia include Encompass and AutoOwners Insurance Co, offering $256 and $291, respectively. Allstate is an expensive provider with an average six-month premium of $1793.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $256 | $43 |
| Auto-Owners Insurance Co | $291 | $50 |
| Chubb | $332 | $55 |
| Travelers | $396 | $67 |
| USAA | $437 | $74 |
| Kemper | $483 | $82 |
| State Farm | $594 | $100 |
| PEMCO | $711 | $120 |
| American Family | $780 | $131 |
| Capital Insurance Group | $861 | $146 |
| Pemco | $960 | $162 |
| Progressive | $1042 | $175 |
| Farmers | $1112 | $187 |
| Allstate | $1793 | $302 |
Here is a list of driving violations that can increase your car insurance rates in Olympia WA. For example, the car insurance in Olympia after a DUI increases to $797 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1048 | $174 |
| One Med/PIP claim | $1048 | $178 |
| Not-at-fault accident | $1083 | $180 |
| Two Med/PIP claims | $1083 | $184 |
| One comp claim | $1089 | $181 |
| Two comp claims | $1135 | $193 |
| Failure to show documents | $1251 | $209 |
| Child safety restraint | $1263 | $215 |
| Driving without lights | $1275 | $213 |
| Failure to wear a seat belt | $1275 | $217 |
| Speeding 11 - 15 MPH over limit | $1275 | $213 |
| Speeding 16 - 20 MPH over limit | $1275 | $217 |
| Speeding 6 - 10 MPH over limit | $1275 | $213 |
| Driving too slowly | $1287 | $219 |
| Driving with expired registration | $1287 | $215 |
| Cell phone violation | $1293 | $220 |
| Failure to yield | $1293 | $216 |
| Improper passing | $1293 | $220 |
| Texting while driving | $1293 | $216 |
| Wrong way/wrong lane | $1293 | $220 |
| Failure to stop at a red light | $1299 | $217 |
| Following too closely | $1299 | $221 |
| Illegal turn | $1299 | $217 |
| Speeding in school zone | $1356 | $230 |
| Passing school bus | $1362 | $227 |
| At-fault accident - less than $1000 | $1380 | $234 |
| Speeding 21 - 25 MPH over limit | $1380 | $230 |
| Open container | $1386 | $235 |
| In 65 MPH zone | $1438 | $240 |
| At-fault accident - $1000-$2000 | $1491 | $254 |
| At-fault accident - greater than $2000 | $1496 | $249 |
| Operating a vehicle without permission | $1507 | $257 |
| Refusal to submit to a chemical test | $1804 | $301 |
| Reckless driving | $1810 | $308 |
| Driving with a suspended license | $1828 | $305 |
| DUI | $1845 | $314 |
| Racing | $1909 | $319 |
| Leaving scene of an accident/hit and run | $1921 | $326 |
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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.
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 Olympia.
The cheapest car insurance premiums in Olympia are offered by Chubb at $332 for a six-month policy. However, it can be as expensive as $1990 with companies like Cal Casualty.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $332 | $57 |
| Auto-Owners Insurance Co | $419 | $70 |
| Travelers | $442 | $74 |
| American Family | $652 | $110 |
| PEMCO | $728 | $123 |
| Progressive | $728 | $123 |
| USAA | $792 | $133 |
| State Farm | $850 | $143 |
| Pemco | $867 | $146 |
| Farmers | $1152 | $194 |
| Allstate | $1699 | $286 |
| Grange | $1782 | $303 |
| Cal Casualty | $1990 | $332 |
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 Olympia are offered by Chubb at $291. However, it can be as expensive as $1310 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $291 | $50 |
| Auto-Owners Insurance Co | $303 | $50 |
| Travelers | $372 | $64 |
| State Farm | $454 | $76 |
| American Family | $652 | $110 |
| USAA | $711 | $119 |
| PEMCO | $716 | $121 |
| Pemco | $716 | $121 |
| Progressive | $850 | $143 |
| Farmers | $990 | $167 |
| Allstate | $1310 | $219 |
Car insurance rates in Olympia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Olympia remained steady at $146 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Olympia remained steady at $49 in both August and July, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Olympia. At $774 for a six-month policy, insuring your car at 98506 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 98506 | $774 | $130 |
| 98502 | $838 | $141 |
| 98513 | $845 | $142 |
| 98516 | $802 | $135 |
| 98501 | $866 | $145 |
| 98512 | $824 | $138 |
How much is car insurance in Olympia?
The car insurance in Olympia is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Olympia?
The cheapest car insurance in Olympia is $67 per month for full coverage.
How much is car insurance in Olympia for teenagers?
Car insurance for teenagers costs $315 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 Olympia?
The average cost of car insurance is $725 for a six-month policy. It will cost around $120 per month to insure your car in Olympia.
Is car insurance expensive in Olympia?
Car insurance can be expensive in Olympia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Olympia can be affordable.
What is the best car insurance in Olympia, WA?
The best car insurance company in Olympia WA is Kemper, offering $402 for a six-month policy.
Cut auto insurance costs in Olympia right now.