Cheapest Car Insurance Quotes in Port Townsend

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Port Townsend Car Insurance

^$ 30

/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 Townsend

The car insurance rate in Port Townsend is $752 for a six-month policy, which is $165 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $336, making it a popular choice for budget-conscious drivers. Rates in Port Townsend 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 Townsend

$752

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Port Townsend

1st place: Kemper

At $336 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $453 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 $467 for six months, making it the third cheapest auto insurance company in Port Townsend.

Port Townsend Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Townsend, WA is Kemper, offering policies at just $336 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $453.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $1983 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Townsend drivers find the best deals.

Cheap Car Insurance Companies in Port Townsend, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$336	$56
Nationwide	$453	$77
Auto-Owners Insurance Co	$467	$78
Chubb	$531	$90
Capital Insurance Group	$540	$90
USAA	$633	$107
Mutual of Enumclaw	$667	$112
American Family	$682	$115
State Farm	$682	$115
Progressive	$696	$117
PEMCO	$750	$126
Travelers	$755	$127
Farmers	$828	$139
Allstate	$935	$157
Granwest P&C	$1100	$184
Sentry	$1983	$337

Key Takeaways

Way's key takeaways about car insurance in Port Townsend

The auto insurance costs in Port Townsend fall around $336 for six months.
The cheapest auto insurance company in Port Townsend is California Casualty.
Teen drivers pay the highest rate in Port Townsend at $558 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 Port Townsend

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 Townsend are given below.

California Casualty provides the cheapest minimum car insurance coverage in Port Townsend. Their Average 6 Month Premium is $175. Grange is the most expensive at $175 for the same period.

Cheapest Liability Coverage in Port Townsend, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$175	$30
USAA	$175	$30
Granwest P&C	$180	$30
Auto-Owners Insurance Co	$190	$32
Chubb	$224	$38
Nationwide	$234	$39
PEMCO	$234	$39
Capital Insurance Group	$248	$43
Progressive	$253	$43
American Family	$258	$44
Mutual of Enumclaw	$278	$47
State Farm	$278	$47
Travelers	$283	$48
Farmers	$331	$56
Allstate	$550	$93
Sentry	$570	$97
Encompass	$171	$29
Grange	$175	$30

Cheapest Full Coverage Car Insurance in Port Townsend

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 Townsend is Kemper at $56 per month and $336 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Townsend, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$336	$56
Nationwide	$453	$77
Auto-Owners Insurance Co	$467	$78
Chubb	$531	$90
Capital Insurance Group	$540	$90
USAA	$633	$107
Mutual of Enumclaw	$667	$112
American Family	$682	$115
State Farm	$682	$115
Progressive	$696	$117
PEMCO	$750	$126
Travelers	$755	$127
Farmers	$828	$139
Allstate	$935	$157
Granwest P&C	$1100	$184
Sentry	$1983	$337

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Average Car Insurance in Port Townsend 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 Townsend, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Port Townsend, 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 Townsend'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 Townsend

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	$555
30s	PEMCO	$389
40s	PEMCO	$393
50s	PEMCO	$373
60s	PEMCO	$393
70s	PEMCO	$488

Cheapest Car Insurance Rates for Teen Drivers in Port Townsend,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 Townsend at $46 per month. At $3351 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$268	$46
Auto-Owners Insurance Co	$278	$46
Chubb	$312	$53
Travelers	$916	$154
State Farm	$969	$163
USAA	$1125	$189
Pemco	$1383	$233
Farmers	$1670	$281
Mutual of Enumclaw	$1690	$287
Progressive	$1846	$311
Allstate	$1919	$323
Sentry	$3351	$558

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 Townsend.

As young drivers face the highest rates in Port Townsend, PEMCO offers the cheapest auto insurance rates at $555 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 Townsend, AutoOwners Insurance Co is the cheapest car insurance provider. At $190 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 Townsend is Sentry, offering rates of around $1983 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$190	$32
Chubb	$224	$38
American Family	$258	$44
Nationwide	$268	$44
Kemper	$292	$50
Farmers	$760	$128
Travelers	$809	$136
State Farm	$959	$162
Progressive	$964	$162
USAA	$989	$165
Pemco	$1130	$190
Mutual of Enumclaw	$1159	$194
Allstate	$1812	$308
Sentry	$1983	$330

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Port Townsend

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

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

The cheapest car insurance companies after an at-fault accident in Port Townsend include AutoOwners Insurance Co and Encompass, offering $244 and $278, respectively. Sentry is an expensive provider with an average six-month premium of $3444.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Encompass	$278	$48
Chubb	$287	$48
American Family	$312	$53
Kemper	$404	$67
USAA	$434	$73
Travelers	$633	$107
State Farm	$648	$109
PEMCO	$706	$119
Capital Insurance Group	$721	$122
Mutual of Enumclaw	$901	$150
Progressive	$959	$162
Farmers	$1023	$172
Allstate	$1670	$281
Sentry	$3444	$574

Port Townsend Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Townsend WA. For example, the car insurance in Port Townsend after a DUI increases to $667 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Port Townsend auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$146
One Med/PIP claim	$877	$149
Not-at-fault accident	$906	$151
Two Med/PIP claims	$906	$154
One comp claim	$911	$152
Two comp claims	$950	$162
Failure to show documents	$1047	$175
Child safety restraint	$1057	$180
Driving without lights	$1067	$178
Failure to wear a seat belt	$1067	$181
Speeding 11 - 15 MPH over limit	$1067	$178
Speeding 16 - 20 MPH over limit	$1067	$181
Speeding 6 - 10 MPH over limit	$1067	$178
Driving too slowly	$1077	$183
Driving with expired registration	$1077	$180
Cell phone violation	$1082	$184
Failure to yield	$1082	$180
Improper passing	$1082	$184
Texting while driving	$1082	$180
Wrong way/wrong lane	$1082	$184
Failure to stop at a red light	$1087	$181
Following too closely	$1087	$185
Illegal turn	$1087	$181
Speeding in school zone	$1135	$193
Passing school bus	$1140	$190
At-fault accident - less than $1000	$1155	$196
Speeding 21 - 25 MPH over limit	$1155	$193
Open container	$1159	$197
In 65 MPH zone	$1203	$201
At-fault accident - $1000-$2000	$1247	$212
At-fault accident - greater than $2000	$1252	$208
Operating a vehicle without permission	$1261	$215
Refusal to submit to a chemical test	$1510	$252
Reckless driving	$1515	$257
Driving with a suspended license	$1529	$255
DUI	$1544	$262
Racing	$1597	$267
Leaving scene of an accident/hit and run	$1607	$273

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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 Townsend 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 Townsend.

The cheapest car insurance premiums in Port Townsend are offered by Chubb at $278 for a six-month policy. However, it can be as expensive as $2611 with companies like Sentry.

Port Townsend car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$278	$48
American Family	$307	$51
Auto-Owners Insurance Co	$351	$60
Travelers	$667	$112
Progressive	$672	$113
USAA	$740	$125
Pemco	$818	$138
State Farm	$891	$150
Farmers	$1042	$175
Mutual of Enumclaw	$1164	$194
Grange	$1491	$253
Allstate	$1524	$257
Cal Casualty	$1665	$283
Sentry	$2611	$435

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 Townsend are offered by Chubb at $244. However, it can be as expensive as $3191 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Port Townsend after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$244	$42
Auto-Owners Insurance Co	$253	$42
American Family	$307	$52
State Farm	$570	$96
Travelers	$696	$117
USAA	$765	$127
Mutual of Enumclaw	$813	$139
Pemco	$848	$143
Progressive	$867	$146
Farmers	$954	$161
Allstate	$1466	$249
Sentry	$3191	$531

Car Insurance Price Trends in Port Townsend, Washington

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

The average cost of full coverage in the Port Townsend rose by $160 in January compared to $124 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Port Townsend rose to $46 in January, compared to $42 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Port Townsend?

The car insurance in Port Townsend is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Port Townsend?

The cheapest car insurance in Port Townsend is $56 per month for full coverage.

How much is car insurance in Port Townsend for teenagers?

Car insurance for teenagers costs $268 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 Townsend?

The average cost of car insurance is $917 for a six-month policy. It will cost around $126 per month to insure your car in Port Townsend.

Is car insurance expensive in Port Townsend?

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

Cheapest Car Insurance Quotes in Port Townsend

Why you can trust Way?

How Much Is Car Insurance in Port Townsend

Avg. Car Insurance in Port Townsend

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Port Townsend

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Port Townsend Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Townsend, WA

Way's key takeaways about car insurance in Port Townsend

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Townsend

Cheapest Liability Coverage in Port Townsend, WA

Cheapest Full Coverage Car Insurance in Port Townsend

Cheapest Full Coverage Car Insurance Quotes in Port Townsend, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Townsend by Rating Factor

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

Car Insurance Premiums by Age in Port Townsend

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Townsend

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

Port Townsend Car Insurance Rates by Violation

Port Townsend auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Townsend after a DUI

Port Townsend car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Townsend after Speeding ticket

Car Insurance Price Trends in Port Townsend, Washington

Average Car Insurance Cost in Port Townsend by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Townsend, WA

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

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