Cheapest Car Insurance Quotes in Pacific

Finding the cheapest car insurance quotes in Pacific 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.
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Pacific Car Insurance

^$ 40

/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 Pacific

The car insurance rate in Pacific is $960 for a six-month policy, which is $192 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $513, making it a popular choice for budget-conscious drivers. Rates in Pacific 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 Pacific

$960

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Pacific

1st place: Kemper

At $513 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $690 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 $713 for six months, making it the third cheapest auto insurance company in Pacific.

Pacific Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pacific, WA is Kemper, offering policies at just $513 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $690.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $995 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pacific drivers find the best deals.

Cheap Car Insurance Companies in Pacific, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$85
Nationwide	$690	$118
Auto-Owners Insurance Co	$713	$119
Chubb	$809	$138
Capital Insurance Group	$824	$138
State Farm	$861	$145
USAA	$891	$150
Progressive	$958	$161
PEMCO	$980	$165
American Family	$1010	$170
Travelers	$1091	$184
Farmers	$1159	$195
Allstate	$1351	$228
Granwest P&C	$1678	$285
California Causality	$846	$144
Mutual of Enumclaw	$995	$169

Key Takeaways

Way's key takeaways about car insurance in Pacific

The auto insurance costs in Pacific fall around $513 for six months.
The cheapest auto insurance company in Pacific is USAA.
Teen drivers pay the highest rate in Pacific at $155 per month.

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Cheapest Minimum Liability Car Insurance in Pacific

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 Pacific are given below.

USAA provides the cheapest minimum car insurance coverage in Pacific. Their Average 6 Month Premium is $238. California Causality is the most expensive at $298 for the same period.

Cheapest Liability Coverage in Pacific, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$238	$40
California Casualty	$268	$45
Granwest P&C	$275	$46
PEMCO	$283	$48
Auto-Owners Insurance Co	$290	$49
Chubb	$341	$58
Travelers	$349	$59
Nationwide	$356	$60
Capital Insurance Group	$379	$63
State Farm	$379	$64
Progressive	$394	$66
American Family	$445	$75
Mutual of Enumclaw	$453	$75
Farmers	$475	$80
Allstate	$803	$135
Encompass	$260	$44
Grange	$268	$45
California Causality	$298	$50

Cheapest Full Coverage Car Insurance in Pacific

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 Pacific is Kemper at $85 per month and $513 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pacific, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$85
Nationwide	$690	$118
Auto-Owners Insurance Co	$713	$119
Chubb	$809	$138
Capital Insurance Group	$824	$138
State Farm	$861	$145
USAA	$891	$150
Progressive	$958	$161
PEMCO	$980	$165
American Family	$1010	$170
Travelers	$1091	$184
Farmers	$1159	$195
Allstate	$1351	$228
Granwest P&C	$1678	$285
California Causality	$846	$144
Mutual of Enumclaw	$995	$169

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Average Car Insurance in Pacific 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 Pacific, WA increasing?

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

Car Insurance Premiums by Age in Pacific

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	$846
30s	PEMCO	$593
40s	PEMCO	$599
50s	PEMCO	$569
60s	PEMCO	$599
70s	PEMCO	$744

Cheapest Car Insurance Rates for Teen Drivers in Pacific,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Pacific at $70 per month. At $914 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$416	$70
Auto-Owners Insurance Co	$424	$73
Chubb	$475	$79
State Farm	$965	$163
American Family	$1270	$214
Progressive	$1455	$245
USAA	$1530	$258
Pemco	$1559	$263
Farmers	$2213	$373
Allstate	$2554	$430
California Causality	$914	$155

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 Pacific.

As young drivers face the highest rates in Pacific, PEMCO offers the cheapest auto insurance rates at $846 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 Pacific, AutoOwners Insurance Co is the cheapest car insurance provider. At $290 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 Pacific is California Causality, offering rates of around $683 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$290	$49
Chubb	$341	$58
Travelers	$349	$59
Nationwide	$409	$68
Kemper	$445	$76
American Family	$676	$114
Progressive	$788	$133
State Farm	$914	$154
Farmers	$1010	$170
Pemco	$1166	$196
USAA	$1203	$205
Allstate	$2406	$401
National General	$490	$81
California Causality	$683	$116

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

Car Insurance Rates with An Accident in Pacific

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

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

The cheapest car insurance companies after an at-fault accident in Pacific include AutoOwners Insurance Co and Encompass, offering $371 and $424, respectively. California Causality is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$371	$63
Encompass	$424	$73
Chubb	$438	$74
Travelers	$528	$89
USAA	$564	$95
Kemper	$616	$105
State Farm	$831	$140
PEMCO	$914	$154
American Family	$995	$168
Capital Insurance Group	$1099	$186
Progressive	$1314	$221
Farmers	$1419	$239
Allstate	$2288	$385
California Causality	$513	$85

Pacific Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pacific WA. For example, the car insurance in Pacific after a DUI increases to $1018 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Pacific auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1336	$223
One Med/PIP claim	$1336	$228
Not-at-fault accident	$1381	$230
Two Med/PIP claims	$1381	$235
One comp claim	$1389	$231
Two comp claims	$1448	$246
Failure to show documents	$1596	$266
Child safety restraint	$1611	$274
Driving without lights	$1626	$271
Failure to wear a seat belt	$1626	$276
Speeding 11 - 15 MPH over limit	$1626	$271
Speeding 16 - 20 MPH over limit	$1626	$276
Speeding 6 - 10 MPH over limit	$1626	$271
Driving too slowly	$1641	$279
Driving with expired registration	$1641	$274
Cell phone violation	$1649	$280
Failure to yield	$1649	$275
Improper passing	$1649	$280
Texting while driving	$1649	$275
Wrong way/wrong lane	$1649	$280
Failure to stop at a red light	$1656	$276
Following too closely	$1656	$281
Illegal turn	$1656	$276
Speeding in school zone	$1730	$294
Passing school bus	$1738	$290
At-fault accident - less than $1000	$1760	$299
Speeding 21 - 25 MPH over limit	$1760	$294
Open container	$1768	$300
In 65 MPH zone	$1834	$306
At-fault accident - $1000-$2000	$1901	$324
At-fault accident - greater than $2000	$1909	$318
Operating a vehicle without permission	$1923	$328
Refusal to submit to a chemical test	$2301	$384
Reckless driving	$2309	$393
Driving with a suspended license	$2331	$389
DUI	$2354	$400
Racing	$2435	$406
Leaving scene of an accident/hit and run	$2450	$416

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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 Pacific 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 Pacific.

The cheapest car insurance premiums in Pacific are offered by Chubb at $424 for a six-month policy. However, it can be as expensive as $453 with companies like National General.

Pacific car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$424	$73
Auto-Owners Insurance Co	$535	$89
Travelers	$579	$98
American Family	$831	$140
Progressive	$921	$155
Pemco	$935	$158
USAA	$1025	$173
State Farm	$1076	$181
Farmers	$1470	$248
Allstate	$2168	$365
Grange	$2273	$386
Cal Casualty	$2539	$424
National General	$453	$78

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 Pacific are offered by Chubb at $371. However, it can be as expensive as $416 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Pacific after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$371	$63
Auto-Owners Insurance Co	$386	$66
Travelers	$475	$79
State Farm	$579	$98
American Family	$831	$140
USAA	$906	$154
Pemco	$914	$154
Progressive	$1084	$183
Farmers	$1263	$213
Allstate	$1671	$284
California Causality	$416	$71

Car Insurance Price Trends in Pacific, Washington

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

The average cost of full coverage in the Pacific rose by $189 in December compared to $185 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Pacific rose to $64 in December, compared to $63 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pacific?

The car insurance in Pacific is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Pacific?

The cheapest car insurance in Pacific is $85 per month for full coverage.

How much is car insurance in Pacific for teenagers?

Car insurance for teenagers costs $416 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 Pacific?

The average cost of car insurance is $768 for a six-month policy. It will cost around $161 per month to insure your car in Pacific.

Is car insurance expensive in Pacific?

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

Cheapest Car Insurance Quotes in Pacific

Why you can trust Way?

How Much Is Car Insurance in Pacific

Avg. Car Insurance in Pacific

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Pacific

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Pacific Car Insurance Rates by Company

Cheap Car Insurance Companies in Pacific, WA

Way's key takeaways about car insurance in Pacific

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pacific

Cheapest Liability Coverage in Pacific, WA

Cheapest Full Coverage Car Insurance in Pacific

Cheapest Full Coverage Car Insurance Quotes in Pacific, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pacific by Rating Factor

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

Car Insurance Premiums by Age in Pacific

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pacific,WA

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

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 Pacific

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

Pacific Car Insurance Rates by Violation

Pacific auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pacific after a DUI

Pacific car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pacific after Speeding ticket

Car Insurance Price Trends in Pacific, Washington

Average Car Insurance Cost in Pacific by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pacific, WA

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

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Data Sources