Cheapest Car Insurance Quotes in Port Orchard

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Port Orchard Car Insurance

^$ 33

/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 Port Orchard

The car insurance rate in Port Orchard is $853 for a six-month policy, which is $64 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 Port Orchard 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 Port Orchard

$853

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Port Orchard

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 Port Orchard.

Port Orchard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Orchard, 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, Sentry is the most expensive, with rates reaching $2249 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Orchard drivers find the best deals.

Cheap Car Insurance Companies in Port Orchard, 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
USAA	$718	$121
Mutual of Enumclaw	$757	$126
American Family	$774	$130
State Farm	$774	$130
Progressive	$790	$133
PEMCO	$851	$143
Travelers	$857	$144
Farmers	$939	$158
Allstate	$1060	$179
Granwest P&C	$1248	$208
Sentry	$2249	$382

Key Takeaways

Way's key takeaways about car insurance in Port Orchard

The auto insurance costs in Port Orchard fall around $381 for six months.
The cheapest auto insurance company in Port Orchard is California Casualty.
Teen drivers pay the highest rate in Port Orchard at $633 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Port Orchard

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 Port Orchard are given below.

California Casualty provides the cheapest minimum car insurance coverage in Port Orchard. Their Average 6 Month Premium is $199. Grange is the most expensive at $199 for the same period.

Cheapest Liability Coverage in Port Orchard, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$199	$33
USAA	$199	$33
Granwest P&C	$205	$34
Auto-Owners Insurance Co	$216	$36
Chubb	$254	$43
Nationwide	$265	$45
PEMCO	$265	$45
Capital Insurance Group	$282	$48
Progressive	$287	$48
American Family	$293	$50
Mutual of Enumclaw	$315	$53
State Farm	$315	$53
Travelers	$321	$54
Farmers	$376	$63
Allstate	$624	$105
Sentry	$646	$110
Encompass	$193	$33
Grange	$199	$33

Cheapest Full Coverage Car Insurance in Port Orchard

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

Cheapest Full Coverage Car Insurance Quotes in Port Orchard, 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
USAA	$718	$121
Mutual of Enumclaw	$757	$126
American Family	$774	$130
State Farm	$774	$130
Progressive	$790	$133
PEMCO	$851	$143
Travelers	$857	$144
Farmers	$939	$158
Allstate	$1060	$179
Granwest P&C	$1248	$208
Sentry	$2249	$382

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Average Car Insurance in Port Orchard 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 Port Orchard, WA increasing?

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

Car Insurance Premiums by Age in Port Orchard

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 Port Orchard,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Port Orchard at $52 per month. At $3801 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$304	$52
Auto-Owners Insurance Co	$315	$52
Chubb	$353	$60
Travelers	$1039	$175
State Farm	$1099	$185
USAA	$1276	$215
Pemco	$1569	$264
Farmers	$1894	$319
Mutual of Enumclaw	$1917	$326
Progressive	$2093	$352
Allstate	$2176	$366
Sentry	$3801	$633

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 Port Orchard.

As young drivers face the highest rates in Port Orchard, 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 Port Orchard, 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 Port Orchard is Sentry, offering rates of around $2249 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Chubb	$254	$43
American Family	$293	$50
Nationwide	$304	$50
Kemper	$331	$57
Farmers	$862	$145
Travelers	$917	$154
State Farm	$1088	$183
Progressive	$1094	$184
USAA	$1122	$187
Pemco	$1282	$216
Mutual of Enumclaw	$1315	$219
Allstate	$2055	$350
Sentry	$2249	$375

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Port Orchard

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Orchard

The cheapest car insurance companies after an at-fault accident in Port Orchard include AutoOwners Insurance Co and Encompass, offering $276 and $315, respectively. Sentry is an expensive provider with an average six-month premium of $3906.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$47
Encompass	$315	$54
Chubb	$326	$55
American Family	$353	$60
Kemper	$458	$76
USAA	$492	$83
Travelers	$718	$121
State Farm	$735	$124
PEMCO	$801	$135
Capital Insurance Group	$817	$139
Mutual of Enumclaw	$1022	$170
Progressive	$1088	$183
Farmers	$1160	$195
Allstate	$1894	$319
Sentry	$3906	$651

Port Orchard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Orchard WA. For example, the car insurance in Port Orchard 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.

Port Orchard 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 Port Orchard 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 Port Orchard.

The cheapest car insurance premiums in Port Orchard are offered by Chubb at $315 for a six-month policy. However, it can be as expensive as $2961 with companies like Sentry.

Port Orchard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$54
American Family	$348	$58
Auto-Owners Insurance Co	$398	$68
Travelers	$757	$127
Progressive	$763	$128
USAA	$840	$141
Pemco	$928	$156
State Farm	$1011	$170
Farmers	$1182	$199
Mutual of Enumclaw	$1321	$220
Grange	$1691	$287
Allstate	$1729	$291
Cal Casualty	$1889	$321
Sentry	$2961	$494

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 Port Orchard are offered by Chubb at $276. However, it can be as expensive as $3619 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Port Orchard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$276	$47
Auto-Owners Insurance Co	$287	$47
American Family	$348	$60
State Farm	$646	$109
Travelers	$790	$133
USAA	$868	$144
Mutual of Enumclaw	$923	$157
Pemco	$962	$162
Progressive	$983	$166
Farmers	$1083	$182
Allstate	$1663	$283
Sentry	$3619	$603

Car Insurance Price Trends in Port Orchard, Washington

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

The average cost of full coverage in the Port Orchard rose by $181 in January compared to $140 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Port Orchard rose to $52 in January, compared to $47 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Port Orchard?

The car insurance in Port Orchard is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Port Orchard?

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

How much is car insurance in Port Orchard for teenagers?

Car insurance for teenagers costs $304 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 Port Orchard?

The average cost of car insurance is $917 for a six-month policy. It will cost around $143 per month to insure your car in Port Orchard.

Is car insurance expensive in Port Orchard?

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

Cheapest Car Insurance Quotes in Port Orchard

Why you can trust Way?

How Much Is Car Insurance in Port Orchard

Avg. Car Insurance in Port Orchard

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Port Orchard

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Port Orchard Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Orchard, WA

Way's key takeaways about car insurance in Port Orchard

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Orchard

Cheapest Liability Coverage in Port Orchard, WA

Cheapest Full Coverage Car Insurance in Port Orchard

Cheapest Full Coverage Car Insurance Quotes in Port Orchard, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Orchard by Rating Factor

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

Car Insurance Premiums by Age in Port Orchard

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Orchard,WA

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

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 Port Orchard

Cheapest Car Insurance Companies after an At-Fault Accident in Port Orchard

Port Orchard Car Insurance Rates by Violation

Port Orchard auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Orchard after a DUI

Port Orchard car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Orchard after Speeding ticket

Car Insurance Price Trends in Port Orchard, Washington

Average Car Insurance Cost in Port Orchard by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Orchard, WA

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

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