Cheapest Car Insurance Quotes in Orient

Finding the cheapest car insurance quotes in Orient 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

Orient Car Insurance

^$ 35

/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 Orient

The car insurance rate in Orient is $889 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Orient 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 Orient

$889

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Orient

1st place: Kemper

At $398 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $535 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 $553 for six months, making it the third cheapest auto insurance company in Orient.

Orient Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orient, WA is Kemper, offering policies at just $398 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $535.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2345 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orient drivers find the best deals.

Cheap Car Insurance Companies in Orient, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
Nationwide	$535	$91
Auto-Owners Insurance Co	$553	$92
Chubb	$628	$107
Capital Insurance Group	$639	$107
USAA	$749	$126
Mutual of Enumclaw	$790	$132
American Family	$807	$136
State Farm	$807	$136
Progressive	$824	$139
PEMCO	$888	$149
Travelers	$893	$150
Farmers	$980	$165
Allstate	$1106	$186
Granwest P&C	$1302	$217
Sentry	$2345	$399

Key Takeaways

Way's key takeaways about car insurance in Orient

The auto insurance costs in Orient fall around $398 for six months.
The cheapest auto insurance company in Orient is California Casualty.
Teen drivers pay the highest rate in Orient at $661 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 Orient

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 Orient are given below.

California Casualty provides the cheapest minimum car insurance coverage in Orient. Their Average 6 Month Premium is $208. Grange is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Orient, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$208	$35
USAA	$208	$35
Granwest P&C	$213	$36
Auto-Owners Insurance Co	$225	$38
Chubb	$265	$45
Nationwide	$276	$47
PEMCO	$276	$47
Capital Insurance Group	$294	$50
Progressive	$300	$50
American Family	$306	$52
Mutual of Enumclaw	$329	$55
State Farm	$329	$55
Travelers	$335	$56
Farmers	$392	$66
Allstate	$651	$110
Sentry	$674	$114
Encompass	$202	$34
Grange	$208	$35

Cheapest Full Coverage Car Insurance in Orient

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 Orient is Kemper at $66 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orient, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
Nationwide	$535	$91
Auto-Owners Insurance Co	$553	$92
Chubb	$628	$107
Capital Insurance Group	$639	$107
USAA	$749	$126
Mutual of Enumclaw	$790	$132
American Family	$807	$136
State Farm	$807	$136
Progressive	$824	$139
PEMCO	$888	$149
Travelers	$893	$150
Farmers	$980	$165
Allstate	$1106	$186
Granwest P&C	$1302	$217
Sentry	$2345	$399

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Orient Instantly!

Average Car Insurance in Orient 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 Orient, WA increasing?

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

Car Insurance Premiums by Age in Orient

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	$657
30s	PEMCO	$460
40s	PEMCO	$465
50s	PEMCO	$441
60s	PEMCO	$465
70s	PEMCO	$577

Cheapest Car Insurance Rates for Teen Drivers in Orient,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Orient at $54 per month. At $3964 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$317	$54
Auto-Owners Insurance Co	$329	$54
Chubb	$369	$63
Travelers	$1083	$182
State Farm	$1147	$193
USAA	$1331	$224
Pemco	$1636	$275
Farmers	$1976	$333
Mutual of Enumclaw	$1999	$340
Progressive	$2183	$368
Allstate	$2270	$382
Sentry	$3964	$661

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 Orient.

As young drivers face the highest rates in Orient, PEMCO offers the cheapest auto insurance rates at $657 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 Orient, AutoOwners Insurance Co is the cheapest car insurance provider. At $225 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 Orient is Sentry, offering rates of around $2345 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$225	$38
Chubb	$265	$45
American Family	$306	$52
Nationwide	$317	$52
Kemper	$345	$59
Farmers	$899	$151
Travelers	$956	$161
State Farm	$1135	$191
Progressive	$1141	$192
USAA	$1170	$195
Pemco	$1337	$225
Mutual of Enumclaw	$1372	$229
Allstate	$2144	$365
Sentry	$2345	$391

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Orient

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

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

The cheapest car insurance companies after an at-fault accident in Orient include AutoOwners Insurance Co and Encompass, offering $288 and $329, respectively. Sentry is an expensive provider with an average six-month premium of $4074.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$49
Encompass	$329	$56
Chubb	$340	$57
American Family	$369	$63
Kemper	$478	$80
USAA	$513	$86
Travelers	$749	$126
State Farm	$766	$129
PEMCO	$835	$141
Capital Insurance Group	$853	$145
Mutual of Enumclaw	$1066	$178
Progressive	$1135	$191
Farmers	$1210	$204
Allstate	$1976	$333
Sentry	$4074	$679

Orient Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orient WA. For example, the car insurance in Orient after a DUI increases to $790 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Orient auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1037	$173
One Med/PIP claim	$1037	$177
Not-at-fault accident	$1072	$178
Two Med/PIP claims	$1072	$182
One comp claim	$1078	$179
Two comp claims	$1123	$191
Failure to show documents	$1239	$207
Child safety restraint	$1250	$212
Driving without lights	$1262	$210
Failure to wear a seat belt	$1262	$214
Speeding 11 - 15 MPH over limit	$1262	$210
Speeding 16 - 20 MPH over limit	$1262	$214
Speeding 6 - 10 MPH over limit	$1262	$210
Driving too slowly	$1274	$216
Driving with expired registration	$1274	$212
Cell phone violation	$1279	$217
Failure to yield	$1279	$213
Improper passing	$1279	$217
Texting while driving	$1279	$213
Wrong way/wrong lane	$1279	$217
Failure to stop at a red light	$1285	$214
Following too closely	$1285	$218
Illegal turn	$1285	$214
Speeding in school zone	$1342	$228
Passing school bus	$1348	$225
At-fault accident - less than $1000	$1366	$232
Speeding 21 - 25 MPH over limit	$1366	$228
Open container	$1372	$233
In 65 MPH zone	$1423	$238
At-fault accident - $1000-$2000	$1475	$251
At-fault accident - greater than $2000	$1481	$246
Operating a vehicle without permission	$1492	$254
Refusal to submit to a chemical test	$1786	$298
Reckless driving	$1792	$305
Driving with a suspended license	$1809	$302
DUI	$1827	$310
Racing	$1890	$315
Leaving scene of an accident/hit and run	$1901	$323

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 Orient 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 Orient.

The cheapest car insurance premiums in Orient are offered by Chubb at $329 for a six-month policy. However, it can be as expensive as $3088 with companies like Sentry.

Orient car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$329	$56
American Family	$363	$60
Auto-Owners Insurance Co	$415	$71
Travelers	$790	$133
Progressive	$795	$134
USAA	$876	$147
Pemco	$968	$163
State Farm	$1054	$178
Farmers	$1233	$208
Mutual of Enumclaw	$1377	$230
Grange	$1763	$300
Allstate	$1803	$304
Cal Casualty	$1970	$335
Sentry	$3088	$515

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 Orient are offered by Chubb at $288. However, it can be as expensive as $3774 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Orient after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$288	$49
Auto-Owners Insurance Co	$300	$49
American Family	$363	$62
State Farm	$674	$113
Travelers	$824	$139
USAA	$905	$150
Mutual of Enumclaw	$962	$164
Pemco	$1003	$169
Progressive	$1025	$173
Farmers	$1129	$190
Allstate	$1734	$295
Sentry	$3774	$629

Car Insurance Price Trends in Orient, Washington

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

The average cost of full coverage in the Orient rose by $189 in January compared to $146 of December. In other words, there has been an increase by $43 when you compare January and December.

The average cost of liability insurance in the Orient rose to $54 in January, compared to $49 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 Orient?

The car insurance in Orient is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Orient?

The cheapest car insurance in Orient is $66 per month for full coverage.

How much is car insurance in Orient for teenagers?

Car insurance for teenagers costs $317 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 Orient?

The average cost of car insurance is $917 for a six-month policy. It will cost around $149 per month to insure your car in Orient.

Is car insurance expensive in Orient?

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

Cheapest Car Insurance Quotes in Orient

Why you can trust Way?

How Much Is Car Insurance in Orient

Avg. Car Insurance in Orient

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Orient

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Orient Car Insurance Rates by Company

Cheap Car Insurance Companies in Orient, WA

Way's key takeaways about car insurance in Orient

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orient

Cheapest Liability Coverage in Orient, WA

Cheapest Full Coverage Car Insurance in Orient

Cheapest Full Coverage Car Insurance Quotes in Orient, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orient by Rating Factor

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

Car Insurance Premiums by Age in Orient

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orient,WA

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

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 Orient

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

Orient Car Insurance Rates by Violation

Orient auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orient after a DUI

Orient car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orient after Speeding ticket

Car Insurance Price Trends in Orient, Washington

Average Car Insurance Cost in Orient by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orient, WA

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

Featured Blogs

Data Sources