Cheapest Car Insurance Quotes in Prairie Ridge

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Prairie Ridge Car Insurance

^$ 36

/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 Ridge

The car insurance rate in Prairie Ridge is $868 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Prairie Ridge 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 Ridge

$868

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Prairie Ridge

1st place: Kemper

At $463 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $624 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 $644 for six months, making it the third cheapest auto insurance company in Prairie Ridge.

Prairie Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prairie Ridge, WA is Kemper, offering policies at just $463 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $624.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $899 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prairie Ridge drivers find the best deals.

Cheap Car Insurance Companies in Prairie Ridge, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Nationwide	$624	$106
Auto-Owners Insurance Co	$644	$107
Chubb	$731	$124
Capital Insurance Group	$745	$124
State Farm	$779	$131
USAA	$806	$136
Progressive	$866	$146
PEMCO	$886	$149
American Family	$913	$154
Travelers	$986	$166
Farmers	$1048	$176
Allstate	$1222	$206
Granwest P&C	$1516	$258
California Causality	$765	$130
Mutual of Enumclaw	$899	$153

Key Takeaways

Way's key takeaways about car insurance in Prairie Ridge

The auto insurance costs in Prairie Ridge fall around $463 for six months.
The cheapest auto insurance company in Prairie Ridge is USAA.
Teen drivers pay the highest rate in Prairie Ridge at $140 per month.

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Cheapest Minimum Liability Car Insurance in Prairie Ridge

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 Ridge are given below.

USAA provides the cheapest minimum car insurance coverage in Prairie Ridge. Their Average 6 Month Premium is $215. California Causality is the most expensive at $269 for the same period.

Cheapest Liability Coverage in Prairie Ridge, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$215	$36
California Casualty	$242	$41
Granwest P&C	$249	$42
PEMCO	$255	$43
Auto-Owners Insurance Co	$262	$44
Chubb	$308	$52
Travelers	$315	$53
Nationwide	$322	$54
Capital Insurance Group	$342	$56
State Farm	$342	$58
Progressive	$356	$60
American Family	$402	$68
Mutual of Enumclaw	$409	$68
Farmers	$429	$72
Allstate	$725	$122
Encompass	$235	$40
Grange	$242	$41
California Causality	$269	$45

Cheapest Full Coverage Car Insurance in Prairie Ridge

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 Ridge is Kemper at $77 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie Ridge, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Nationwide	$624	$106
Auto-Owners Insurance Co	$644	$107
Chubb	$731	$124
Capital Insurance Group	$745	$124
State Farm	$779	$131
USAA	$806	$136
Progressive	$866	$146
PEMCO	$886	$149
American Family	$913	$154
Travelers	$986	$166
Farmers	$1048	$176
Allstate	$1222	$206
Granwest P&C	$1516	$258
California Causality	$765	$130
Mutual of Enumclaw	$899	$153

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Average Car Insurance in Prairie Ridge 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 Ridge, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Prairie Ridge, 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 Ridge'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 Ridge

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	$765
30s	PEMCO	$536
40s	PEMCO	$541
50s	PEMCO	$514
60s	PEMCO	$541
70s	PEMCO	$672

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Prairie Ridge at $63 per month. At $826 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$376	$63
Auto-Owners Insurance Co	$383	$66
Chubb	$429	$71
State Farm	$872	$147
American Family	$1148	$193
Progressive	$1315	$221
USAA	$1383	$233
Pemco	$1409	$237
Farmers	$2000	$337
Allstate	$2309	$389
California Causality	$826	$140

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 Ridge.

As young drivers face the highest rates in Prairie Ridge, PEMCO offers the cheapest auto insurance rates at $765 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 Ridge, AutoOwners Insurance Co is the cheapest car insurance provider. At $262 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 Ridge is California Causality, offering rates of around $617 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$262	$44
Chubb	$308	$52
Travelers	$315	$53
Nationwide	$370	$61
Kemper	$402	$69
American Family	$611	$103
Progressive	$712	$120
State Farm	$826	$139
Farmers	$913	$154
Pemco	$1054	$177
USAA	$1087	$185
Allstate	$2175	$363
National General	$443	$73
California Causality	$617	$105

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

Car Insurance Rates with An Accident in Prairie Ridge

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

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

The cheapest car insurance companies after an at-fault accident in Prairie Ridge include AutoOwners Insurance Co and Encompass, offering $336 and $383, respectively. California Causality is an expensive provider with an average six-month premium of $463.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$336	$56
Encompass	$383	$66
Chubb	$395	$67
Travelers	$477	$80
USAA	$510	$86
Kemper	$557	$95
State Farm	$751	$127
PEMCO	$826	$139
American Family	$899	$151
Capital Insurance Group	$993	$168
Progressive	$1188	$200
Farmers	$1283	$216
Allstate	$2068	$348
California Causality	$463	$77

Prairie Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prairie Ridge WA. For example, the car insurance in Prairie Ridge after a DUI increases to $920 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Prairie Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1208	$201
One Med/PIP claim	$1208	$206
Not-at-fault accident	$1249	$208
Two Med/PIP claims	$1249	$212
One comp claim	$1255	$209
Two comp claims	$1309	$223
Failure to show documents	$1443	$241
Child safety restraint	$1457	$247
Driving without lights	$1470	$245
Failure to wear a seat belt	$1470	$250
Speeding 11 - 15 MPH over limit	$1470	$245
Speeding 16 - 20 MPH over limit	$1470	$250
Speeding 6 - 10 MPH over limit	$1470	$245
Driving too slowly	$1484	$252
Driving with expired registration	$1484	$247
Cell phone violation	$1490	$253
Failure to yield	$1490	$249
Improper passing	$1490	$253
Texting while driving	$1490	$249
Wrong way/wrong lane	$1490	$253
Failure to stop at a red light	$1497	$250
Following too closely	$1497	$254
Illegal turn	$1497	$250
Speeding in school zone	$1564	$266
Passing school bus	$1571	$262
At-fault accident - less than $1000	$1591	$270
Speeding 21 - 25 MPH over limit	$1591	$266
Open container	$1598	$271
In 65 MPH zone	$1658	$277
At-fault accident - $1000-$2000	$1719	$293
At-fault accident - greater than $2000	$1726	$287
Operating a vehicle without permission	$1738	$296
Refusal to submit to a chemical test	$2080	$347
Reckless driving	$2087	$355
Driving with a suspended license	$2107	$351
DUI	$2128	$362
Racing	$2201	$367
Leaving scene of an accident/hit and run	$2215	$376

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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 Ridge 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 Ridge.

The cheapest car insurance premiums in Prairie Ridge are offered by Chubb at $383 for a six-month policy. However, it can be as expensive as $409 with companies like National General.

Prairie Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$383	$66
Auto-Owners Insurance Co	$484	$80
Travelers	$523	$88
American Family	$751	$127
Progressive	$833	$140
Pemco	$845	$142
USAA	$927	$156
State Farm	$973	$164
Farmers	$1329	$224
Allstate	$1959	$330
Grange	$2054	$349
Cal Casualty	$2295	$383
National General	$409	$70

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 Ridge are offered by Chubb at $336. However, it can be as expensive as $376 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Prairie Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$336	$56
Auto-Owners Insurance Co	$349	$60
Travelers	$429	$71
State Farm	$523	$88
American Family	$751	$127
USAA	$819	$139
Pemco	$826	$139
Progressive	$980	$165
Farmers	$1141	$192
Allstate	$1511	$257
California Causality	$376	$64

Car Insurance Price Trends in Prairie Ridge, Washington

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

The average cost of full coverage in the Prairie Ridge rose by $171 in December compared to $167 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 Prairie Ridge rose to $58 in December, compared to $56 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Prairie Ridge?

The car insurance in Prairie Ridge is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Prairie Ridge?

The cheapest car insurance in Prairie Ridge is $77 per month for full coverage.

How much is car insurance in Prairie Ridge for teenagers?

Car insurance for teenagers costs $376 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 Ridge?

The average cost of car insurance is $768 for a six-month policy. It will cost around $146 per month to insure your car in Prairie Ridge.

Is car insurance expensive in Prairie Ridge?

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

Cheapest Car Insurance Quotes in Prairie Ridge

Why you can trust Way?

How Much Is Car Insurance in Prairie Ridge

Avg. Car Insurance in Prairie Ridge

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Prairie Ridge

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Prairie Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Prairie Ridge, WA

Way's key takeaways about car insurance in Prairie Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prairie Ridge

Cheapest Liability Coverage in Prairie Ridge, WA

Cheapest Full Coverage Car Insurance in Prairie Ridge

Cheapest Full Coverage Car Insurance Quotes in Prairie Ridge, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prairie Ridge by Rating Factor

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

Car Insurance Premiums by Age in Prairie Ridge

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Ridge

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

Prairie Ridge Car Insurance Rates by Violation

Prairie Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prairie Ridge after a DUI

Prairie Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prairie Ridge after Speeding ticket

Car Insurance Price Trends in Prairie Ridge, Washington

Average Car Insurance Cost in Prairie Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prairie Ridge, WA

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

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