Cheapest Car Insurance Quotes in Prairie Heights

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Prairie Heights 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 Prairie Heights

The car insurance rate in Prairie Heights is $845 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $451, making it a popular choice for budget-conscious drivers. Rates in Prairie Heights 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 Prairie Heights

$845

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Prairie Heights

1st place: Kemper

At $451 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $607 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 $627 for six months, making it the third cheapest auto insurance company in Prairie Heights.

Prairie Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prairie Heights, WA is Kemper, offering policies at just $451 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $607.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prairie Heights drivers find the best deals.

Cheap Car Insurance Companies in Prairie Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$451	$75
Nationwide	$607	$103
Auto-Owners Insurance Co	$627	$105
Chubb	$712	$121
Capital Insurance Group	$725	$121
State Farm	$758	$128
USAA	$784	$132
Progressive	$843	$142
PEMCO	$862	$145
American Family	$889	$150
Travelers	$960	$162
Farmers	$1020	$172
Allstate	$1189	$200
Granwest P&C	$1476	$251
California Causality	$745	$127
Mutual of Enumclaw	$876	$149

Key Takeaways

Way's key takeaways about car insurance in Prairie Heights

The auto insurance costs in Prairie Heights fall around $451 for six months.
The cheapest auto insurance company in Prairie Heights is USAA.
Teen drivers pay the highest rate in Prairie Heights at $136 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Prairie Heights

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 Prairie Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Prairie Heights. Their Average 6 Month Premium is $209. California Causality is the most expensive at $262 for the same period.

Cheapest Liability Coverage in Prairie Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$209	$35
California Casualty	$235	$40
Granwest P&C	$242	$41
PEMCO	$249	$42
Auto-Owners Insurance Co	$255	$43
Chubb	$300	$51
Travelers	$307	$52
Nationwide	$314	$53
Capital Insurance Group	$333	$55
State Farm	$333	$56
Progressive	$347	$58
American Family	$392	$66
Mutual of Enumclaw	$398	$66
Farmers	$418	$70
Allstate	$706	$119
Encompass	$229	$39
Grange	$235	$40
California Causality	$262	$44

Cheapest Full Coverage Car Insurance in Prairie Heights

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 Prairie Heights is Kemper at $75 per month and $451 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$451	$75
Nationwide	$607	$103
Auto-Owners Insurance Co	$627	$105
Chubb	$712	$121
Capital Insurance Group	$725	$121
State Farm	$758	$128
USAA	$784	$132
Progressive	$843	$142
PEMCO	$862	$145
American Family	$889	$150
Travelers	$960	$162
Farmers	$1020	$172
Allstate	$1189	$200
Granwest P&C	$1476	$251
California Causality	$745	$127
Mutual of Enumclaw	$876	$149

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Average Car Insurance in Prairie Heights 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 Prairie Heights, WA increasing?

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

Car Insurance Premiums by Age in Prairie Heights

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	$745
30s	PEMCO	$521
40s	PEMCO	$527
50s	PEMCO	$501
60s	PEMCO	$527
70s	PEMCO	$655

Cheapest Car Insurance Rates for Teen Drivers in Prairie Heights,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Prairie Heights at $62 per month. At $804 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$366	$62
Auto-Owners Insurance Co	$373	$64
Chubb	$418	$69
State Farm	$849	$143
American Family	$1118	$188
Progressive	$1280	$216
USAA	$1346	$227
Pemco	$1372	$231
Farmers	$1947	$328
Allstate	$2247	$378
California Causality	$804	$136

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 Prairie Heights.

As young drivers face the highest rates in Prairie Heights, PEMCO offers the cheapest auto insurance rates at $745 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 Prairie Heights, AutoOwners Insurance Co is the cheapest car insurance provider. At $255 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 Prairie Heights is California Causality, offering rates of around $601 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Chubb	$300	$51
Travelers	$307	$52
Nationwide	$360	$59
Kemper	$392	$67
American Family	$595	$100
Progressive	$693	$117
State Farm	$804	$135
Farmers	$889	$150
Pemco	$1026	$173
USAA	$1058	$180
Allstate	$2118	$353
National General	$431	$72
California Causality	$601	$102

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

Car Insurance Rates with An Accident in Prairie Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Heights

The cheapest car insurance companies after an at-fault accident in Prairie Heights include AutoOwners Insurance Co and Encompass, offering $327 and $373, respectively. California Causality is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$327	$55
Encompass	$373	$64
Chubb	$385	$65
Travelers	$464	$78
USAA	$496	$84
Kemper	$542	$92
State Farm	$732	$123
PEMCO	$804	$135
American Family	$876	$147
Capital Insurance Group	$967	$164
Progressive	$1156	$195
Farmers	$1249	$210
Allstate	$2013	$339
California Causality	$451	$75

Prairie Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prairie Heights WA. For example, the car insurance in Prairie Heights after a DUI increases to $895 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

Prairie Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1176	$200
Not-at-fault accident	$1216	$202
Two Med/PIP claims	$1216	$207
One comp claim	$1222	$204
Two comp claims	$1274	$217
Failure to show documents	$1405	$234
Child safety restraint	$1418	$241
Driving without lights	$1431	$239
Failure to wear a seat belt	$1431	$243
Speeding 11 - 15 MPH over limit	$1431	$239
Speeding 16 - 20 MPH over limit	$1431	$243
Speeding 6 - 10 MPH over limit	$1431	$239
Driving too slowly	$1444	$245
Driving with expired registration	$1444	$241
Cell phone violation	$1451	$246
Failure to yield	$1451	$242
Improper passing	$1451	$246
Texting while driving	$1451	$242
Wrong way/wrong lane	$1451	$246
Failure to stop at a red light	$1458	$243
Following too closely	$1458	$248
Illegal turn	$1458	$243
Speeding in school zone	$1522	$259
Passing school bus	$1529	$255
At-fault accident - less than $1000	$1549	$263
Speeding 21 - 25 MPH over limit	$1549	$259
Open container	$1555	$264
In 65 MPH zone	$1614	$270
At-fault accident - $1000-$2000	$1673	$285
At-fault accident - greater than $2000	$1680	$279
Operating a vehicle without permission	$1692	$288
Refusal to submit to a chemical test	$2025	$338
Reckless driving	$2032	$345
Driving with a suspended license	$2052	$342
DUI	$2071	$352
Racing	$2143	$358
Leaving scene of an accident/hit and run	$2156	$366

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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 Prairie Heights 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 Prairie Heights.

The cheapest car insurance premiums in Prairie Heights are offered by Chubb at $373 for a six-month policy. However, it can be as expensive as $398 with companies like National General.

Prairie Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$373	$64
Auto-Owners Insurance Co	$471	$78
Travelers	$509	$86
American Family	$732	$123
Progressive	$811	$136
Pemco	$823	$139
USAA	$902	$152
State Farm	$947	$160
Farmers	$1294	$218
Allstate	$1907	$321
Grange	$2000	$340
Cal Casualty	$2234	$373
National General	$398	$68

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 Prairie Heights are offered by Chubb at $327. However, it can be as expensive as $366 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Prairie Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$327	$55
Auto-Owners Insurance Co	$340	$58
Travelers	$418	$69
State Farm	$509	$86
American Family	$732	$123
USAA	$798	$135
Pemco	$804	$135
Progressive	$954	$161
Farmers	$1111	$187
Allstate	$1471	$250
California Causality	$366	$63

Car Insurance Price Trends in Prairie Heights, Washington

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

The average cost of full coverage in the Prairie Heights rose by $166 in December compared to $163 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Prairie Heights rose to $56 in December, compared to $55 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 Prairie Heights?

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

What is the cheapest car insurance in Prairie Heights?

The cheapest car insurance in Prairie Heights is $75 per month for full coverage.

How much is car insurance in Prairie Heights for teenagers?

Car insurance for teenagers costs $366 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 Prairie Heights?

The average cost of car insurance is $768 for a six-month policy. It will cost around $142 per month to insure your car in Prairie Heights.

Is car insurance expensive in Prairie Heights?

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

Cheapest Car Insurance Quotes in Prairie Heights

Why you can trust Way?

How Much Is Car Insurance in Prairie Heights

Avg. Car Insurance in Prairie Heights

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Prairie Heights

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Prairie Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Prairie Heights, WA

Way's key takeaways about car insurance in Prairie Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prairie Heights

Cheapest Liability Coverage in Prairie Heights, WA

Cheapest Full Coverage Car Insurance in Prairie Heights

Cheapest Full Coverage Car Insurance Quotes in Prairie Heights, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prairie Heights by Rating Factor

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

Car Insurance Premiums by Age in Prairie Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prairie Heights,WA

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

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 Prairie Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Heights

Prairie Heights Car Insurance Rates by Violation

Prairie Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prairie Heights after a DUI

Prairie Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prairie Heights after Speeding ticket

Car Insurance Price Trends in Prairie Heights, Washington

Average Car Insurance Cost in Prairie Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prairie Heights, WA

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

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