Cheapest Car Insurance Quotes in Orchards

Finding the cheapest car insurance quotes in Orchards 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

406,175 Policies Sold

Orchards Car Insurance

^$ 39

/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 Orchards

The car insurance rate in Orchards is $990 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Orchards 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 Orchards

$990

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Orchards

1st place: Kemper

At $443 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $596 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 $616 for six months, making it the third cheapest auto insurance company in Orchards.

Orchards Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orchards, WA is Kemper, offering policies at just $443 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $596.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2611 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orchards drivers find the best deals.

Cheap Car Insurance Companies in Orchards, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$443	$73
Nationwide	$596	$102
Auto-Owners Insurance Co	$616	$103
Chubb	$699	$119
Capital Insurance Group	$712	$119
USAA	$834	$140
Mutual of Enumclaw	$879	$147
American Family	$899	$151
State Farm	$899	$151
Progressive	$917	$154
PEMCO	$988	$166
Travelers	$995	$167
Farmers	$1091	$184
Allstate	$1231	$207
Granwest P&C	$1449	$242
Sentry	$2611	$444

Key Takeaways

Way's key takeaways about car insurance in Orchards

The auto insurance costs in Orchards fall around $443 for six months.
The cheapest auto insurance company in Orchards is California Casualty.
Teen drivers pay the highest rate in Orchards at $735 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 Orchards

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 Orchards are given below.

California Casualty provides the cheapest minimum car insurance coverage in Orchards. Their Average 6 Month Premium is $231. Grange is the most expensive at $231 for the same period.

Cheapest Liability Coverage in Orchards, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$231	$39
USAA	$231	$39
Granwest P&C	$238	$40
Auto-Owners Insurance Co	$251	$42
Chubb	$295	$50
Nationwide	$308	$52
PEMCO	$308	$52
Capital Insurance Group	$327	$56
Progressive	$334	$56
American Family	$340	$58
Mutual of Enumclaw	$366	$62
State Farm	$366	$62
Travelers	$373	$63
Farmers	$436	$73
Allstate	$725	$122
Sentry	$751	$127
Encompass	$225	$38
Grange	$231	$39

Cheapest Full Coverage Car Insurance in Orchards

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 Orchards is Kemper at $73 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orchards, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$443	$73
Nationwide	$596	$102
Auto-Owners Insurance Co	$616	$103
Chubb	$699	$119
Capital Insurance Group	$712	$119
USAA	$834	$140
Mutual of Enumclaw	$879	$147
American Family	$899	$151
State Farm	$899	$151
Progressive	$917	$154
PEMCO	$988	$166
Travelers	$995	$167
Farmers	$1091	$184
Allstate	$1231	$207
Granwest P&C	$1449	$242
Sentry	$2611	$444

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Orchards Instantly!

Average Car Insurance in Orchards 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 Orchards, WA increasing?

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

Car Insurance Premiums by Age in Orchards

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	$731
30s	PEMCO	$512
40s	PEMCO	$517
50s	PEMCO	$491
60s	PEMCO	$517
70s	PEMCO	$643

Cheapest Car Insurance Rates for Teen Drivers in Orchards,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Orchards at $60 per month. At $4414 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$353	$60
Auto-Owners Insurance Co	$366	$60
Chubb	$410	$70
Travelers	$1206	$203
State Farm	$1277	$215
USAA	$1482	$249
Pemco	$1822	$307
Farmers	$2200	$370
Mutual of Enumclaw	$2226	$378
Progressive	$2431	$409
Allstate	$2527	$426
Sentry	$4414	$735

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 Orchards.

As young drivers face the highest rates in Orchards, PEMCO offers the cheapest auto insurance rates at $731 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 Orchards, AutoOwners Insurance Co is the cheapest car insurance provider. At $251 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 Orchards is Sentry, offering rates of around $2611 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$251	$42
Chubb	$295	$50
American Family	$340	$58
Nationwide	$353	$58
Kemper	$384	$66
Farmers	$1001	$168
Travelers	$1065	$179
State Farm	$1264	$213
Progressive	$1270	$214
USAA	$1302	$217
Pemco	$1488	$251
Mutual of Enumclaw	$1527	$255
Allstate	$2387	$406
Sentry	$2611	$435

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Orchards

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

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

The cheapest car insurance companies after an at-fault accident in Orchards include AutoOwners Insurance Co and Encompass, offering $321 and $366, respectively. Sentry is an expensive provider with an average six-month premium of $4536.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$54
Encompass	$366	$63
Chubb	$378	$64
American Family	$410	$70
Kemper	$532	$89
USAA	$571	$96
Travelers	$834	$140
State Farm	$853	$144
PEMCO	$930	$157
Capital Insurance Group	$949	$161
Mutual of Enumclaw	$1187	$198
Progressive	$1264	$213
Farmers	$1347	$227
Allstate	$2200	$370
Sentry	$4536	$756

Orchards Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orchards WA. For example, the car insurance in Orchards after a DUI increases to $879 for a six month policy. While the rate increases by $250 for a six-month policy in the case of a speeding ticket.

Orchards auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1155	$192
One Med/PIP claim	$1155	$197
Not-at-fault accident	$1193	$199
Two Med/PIP claims	$1193	$203
One comp claim	$1200	$200
Two comp claims	$1251	$213
Failure to show documents	$1379	$230
Child safety restraint	$1392	$237
Driving without lights	$1405	$234
Failure to wear a seat belt	$1405	$239
Speeding 11 - 15 MPH over limit	$1405	$234
Speeding 16 - 20 MPH over limit	$1405	$239
Speeding 6 - 10 MPH over limit	$1405	$234
Driving too slowly	$1418	$241
Driving with expired registration	$1418	$237
Cell phone violation	$1425	$242
Failure to yield	$1425	$238
Improper passing	$1425	$242
Texting while driving	$1425	$238
Wrong way/wrong lane	$1425	$242
Failure to stop at a red light	$1431	$239
Following too closely	$1431	$243
Illegal turn	$1431	$239
Speeding in school zone	$1495	$254
Passing school bus	$1501	$251
At-fault accident - less than $1000	$1521	$258
Speeding 21 - 25 MPH over limit	$1521	$254
Open container	$1527	$259
In 65 MPH zone	$1584	$265
At-fault accident - $1000-$2000	$1643	$280
At-fault accident - greater than $2000	$1649	$274
Operating a vehicle without permission	$1661	$283
Refusal to submit to a chemical test	$1988	$332
Reckless driving	$1995	$339
Driving with a suspended license	$2014	$336
DUI	$2034	$346
Racing	$2104	$351
Leaving scene of an accident/hit and run	$2117	$360

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 Orchards 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 Orchards.

The cheapest car insurance premiums in Orchards are offered by Chubb at $366 for a six-month policy. However, it can be as expensive as $3439 with companies like Sentry.

Orchards car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$366	$63
American Family	$404	$67
Auto-Owners Insurance Co	$462	$79
Travelers	$879	$148
Progressive	$886	$149
USAA	$975	$164
Pemco	$1078	$181
State Farm	$1174	$198
Farmers	$1373	$231
Mutual of Enumclaw	$1534	$256
Grange	$1963	$334
Allstate	$2008	$338
Cal Casualty	$2193	$373
Sentry	$3439	$573

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 Orchards are offered by Chubb at $321. However, it can be as expensive as $4202 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Orchards after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$321	$55
Auto-Owners Insurance Co	$334	$55
American Family	$404	$69
State Farm	$751	$126
Travelers	$917	$154
USAA	$1008	$167
Mutual of Enumclaw	$1071	$183
Pemco	$1117	$188
Progressive	$1142	$192
Farmers	$1257	$212
Allstate	$1931	$328
Sentry	$4202	$700

Car Insurance Price Trends in Orchards, Washington

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

The average cost of full coverage in the Orchards rose by $211 in January compared to $163 of December. In other words, there has been an increase by $48 when you compare January and December.

The average cost of liability insurance in the Orchards rose to $60 in January, compared to $55 in December. This represents an increase of $5 when comparing January and December.

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 Orchards?

The car insurance in Orchards is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Orchards?

The cheapest car insurance in Orchards is $73 per month for full coverage.

How much is car insurance in Orchards for teenagers?

Car insurance for teenagers costs $353 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 Orchards?

The average cost of car insurance is $917 for a six-month policy. It will cost around $166 per month to insure your car in Orchards.

Is car insurance expensive in Orchards?

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

Cheapest Car Insurance Quotes in Orchards

Why you can trust Way?

How Much Is Car Insurance in Orchards

Avg. Car Insurance in Orchards

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Orchards

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Orchards Car Insurance Rates by Company

Cheap Car Insurance Companies in Orchards, WA

Way's key takeaways about car insurance in Orchards

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orchards

Cheapest Liability Coverage in Orchards, WA

Cheapest Full Coverage Car Insurance in Orchards

Cheapest Full Coverage Car Insurance Quotes in Orchards, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orchards by Rating Factor

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

Car Insurance Premiums by Age in Orchards

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orchards,WA

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

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 Orchards

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

Orchards Car Insurance Rates by Violation

Orchards auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orchards after a DUI

Orchards car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orchards after Speeding ticket

Car Insurance Price Trends in Orchards, Washington

Average Car Insurance Cost in Orchards by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orchards, WA

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

Featured Blogs

Data Sources