Cheapest Car Insurance Quotes in Prairie Heights

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Prairie Heights Car Insurance

^$ 38

/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 $963 for a six-month policy, which is $46 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, 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

$963

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Prairie Heights

1st place: Kemper

At $431 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $580 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 $599 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 $431 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $580.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2539 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	$431	$71
Nationwide	$580	$99
Auto-Owners Insurance Co	$599	$100
Chubb	$679	$116
Capital Insurance Group	$692	$116
USAA	$811	$137
Mutual of Enumclaw	$855	$143
American Family	$874	$147
State Farm	$874	$147
Progressive	$891	$150
PEMCO	$961	$162
Travelers	$967	$163
Farmers	$1061	$179
Allstate	$1197	$202
Granwest P&C	$1409	$235
Sentry	$2539	$432

Key Takeaways

Way's key takeaways about car insurance in Prairie Heights

The auto insurance costs in Prairie Heights fall around $431 for six months.
The cheapest auto insurance company in Prairie Heights is California Casualty.
Teen drivers pay the highest rate in Prairie Heights at $715 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.

California Casualty provides the cheapest minimum car insurance coverage in Prairie Heights. Their Average 6 Month Premium is $225. Grange is the most expensive at $225 for the same period.

Cheapest Liability Coverage in Prairie Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$225	$38
USAA	$225	$38
Granwest P&C	$231	$39
Auto-Owners Insurance Co	$244	$41
Chubb	$287	$48
Nationwide	$299	$50
PEMCO	$299	$50
Capital Insurance Group	$318	$55
Progressive	$324	$55
American Family	$331	$57
Mutual of Enumclaw	$356	$60
State Farm	$356	$60
Travelers	$362	$61
Farmers	$424	$71
Allstate	$705	$119
Sentry	$730	$124
Encompass	$218	$37
Grange	$225	$38

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 $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie Heights, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$71
Nationwide	$580	$99
Auto-Owners Insurance Co	$599	$100
Chubb	$679	$116
Capital Insurance Group	$692	$116
USAA	$811	$137
Mutual of Enumclaw	$855	$143
American Family	$874	$147
State Farm	$874	$147
Progressive	$891	$150
PEMCO	$961	$162
Travelers	$967	$163
Farmers	$1061	$179
Allstate	$1197	$202
Granwest P&C	$1409	$235
Sentry	$2539	$432

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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	$711
30s	PEMCO	$498
40s	PEMCO	$503
50s	PEMCO	$478
60s	PEMCO	$503
70s	PEMCO	$625

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, American Family provides the cheapest car insurance in the Prairie Heights at $59 per month. At $4291 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$343	$59
Auto-Owners Insurance Co	$356	$59
Chubb	$399	$68
Travelers	$1173	$197
State Farm	$1241	$209
USAA	$1441	$243
Pemco	$1771	$298
Farmers	$2139	$360
Mutual of Enumclaw	$2164	$368
Progressive	$2364	$398
Allstate	$2457	$414
Sentry	$4291	$715

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 $711 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 $244 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 Sentry, offering rates of around $2539 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Chubb	$287	$48
American Family	$331	$57
Nationwide	$343	$57
Kemper	$374	$64
Farmers	$973	$164
Travelers	$1035	$174
State Farm	$1229	$207
Progressive	$1235	$208
USAA	$1266	$211
Pemco	$1447	$244
Mutual of Enumclaw	$1485	$248
Allstate	$2321	$395
Sentry	$2539	$423

Escape the Trap of Rising Insurance Costs.

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 $312 and $356, respectively. Sentry is an expensive provider with an average six-month premium of $4410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$53
Encompass	$356	$61
Chubb	$368	$62
American Family	$399	$68
Kemper	$518	$86
USAA	$555	$93
Travelers	$811	$137
State Farm	$830	$140
PEMCO	$904	$152
Capital Insurance Group	$923	$156
Mutual of Enumclaw	$1154	$192
Progressive	$1229	$207
Farmers	$1309	$221
Allstate	$2139	$360
Sentry	$4410	$735

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 $855 for a six month policy. While the rate increases by $244 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	$1122	$187
One Med/PIP claim	$1122	$191
Not-at-fault accident	$1160	$193
Two Med/PIP claims	$1160	$197
One comp claim	$1167	$194
Two comp claims	$1216	$207
Failure to show documents	$1341	$224
Child safety restraint	$1353	$230
Driving without lights	$1366	$228
Failure to wear a seat belt	$1366	$232
Speeding 11 - 15 MPH over limit	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding 6 - 10 MPH over limit	$1366	$228
Driving too slowly	$1379	$234
Driving with expired registration	$1379	$230
Cell phone violation	$1385	$235
Failure to yield	$1385	$231
Improper passing	$1385	$235
Texting while driving	$1385	$231
Wrong way/wrong lane	$1385	$235
Failure to stop at a red light	$1391	$232
Following too closely	$1391	$236
Illegal turn	$1391	$232
Speeding in school zone	$1453	$247
Passing school bus	$1460	$244
At-fault accident - less than $1000	$1478	$251
Speeding 21 - 25 MPH over limit	$1478	$247
Open container	$1485	$252
In 65 MPH zone	$1540	$257
At-fault accident - $1000-$2000	$1597	$272
At-fault accident - greater than $2000	$1603	$267
Operating a vehicle without permission	$1615	$275
Refusal to submit to a chemical test	$1933	$322
Reckless driving	$1939	$330
Driving with a suspended license	$1958	$327
DUI	$1977	$336
Racing	$2045	$341
Leaving scene of an accident/hit and run	$2058	$350

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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 $356 for a six-month policy. However, it can be as expensive as $3343 with companies like Sentry.

Prairie Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$356	$61
American Family	$393	$65
Auto-Owners Insurance Co	$449	$77
Travelers	$855	$144
Progressive	$861	$145
USAA	$948	$160
Pemco	$1048	$176
State Farm	$1141	$192
Farmers	$1335	$225
Mutual of Enumclaw	$1491	$249
Grange	$1909	$324
Allstate	$1952	$329
Cal Casualty	$2133	$362
Sentry	$3343	$558

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 $312. However, it can be as expensive as $4086 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Prairie Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$54
Auto-Owners Insurance Co	$324	$54
American Family	$393	$67
State Farm	$730	$123
Travelers	$891	$150
USAA	$980	$163
Mutual of Enumclaw	$1042	$177
Pemco	$1086	$183
Progressive	$1110	$187
Farmers	$1222	$206
Allstate	$1877	$319
Sentry	$4086	$680

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 $205 in January compared to $159 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Prairie Heights rose to $59 in January, compared to $54 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 Prairie Heights?

The car insurance in Prairie Heights is $38 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 $71 per month for full coverage.

How much is car insurance in Prairie Heights for teenagers?

Car insurance for teenagers costs $343 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 $917 for a six-month policy. It will cost around $162 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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