Cheapest Car Insurance Quotes in Rainier

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Rainier 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 Rainier

The car insurance rate in Rainier is $799 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $426, making it a popular choice for budget-conscious drivers. Rates in Rainier 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 Rainier

$799

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Rainier

1st place: Kemper

At $426 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $574 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 $593 for six months, making it the third cheapest auto insurance company in Rainier.

Rainier Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rainier, WA is Kemper, offering policies at just $426 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $574.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rainier drivers find the best deals.

Cheap Car Insurance Companies in Rainier, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
Nationwide	$574	$98
Auto-Owners Insurance Co	$593	$99
Chubb	$673	$114
Capital Insurance Group	$685	$114
State Farm	$717	$121
USAA	$742	$125
Progressive	$797	$134
PEMCO	$815	$137
American Family	$840	$141
Travelers	$908	$153
Farmers	$964	$162
Allstate	$1124	$189
Granwest P&C	$1396	$237
California Causality	$704	$120
Mutual of Enumclaw	$828	$140

Key Takeaways

Way's key takeaways about car insurance in Rainier

The auto insurance costs in Rainier fall around $426 for six months.
The cheapest auto insurance company in Rainier is USAA.
Teen drivers pay the highest rate in Rainier at $129 per month.

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

Cheapest Minimum Liability Car Insurance in Rainier

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 Rainier are given below.

USAA provides the cheapest minimum car insurance coverage in Rainier. Their Average 6 Month Premium is $198. California Causality is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Rainier, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$198	$33
California Casualty	$223	$37
Granwest P&C	$229	$38
PEMCO	$235	$40
Auto-Owners Insurance Co	$241	$41
Chubb	$284	$48
Travelers	$290	$49
Nationwide	$296	$50
Capital Insurance Group	$315	$52
State Farm	$315	$53
Progressive	$328	$55
American Family	$370	$62
Mutual of Enumclaw	$376	$62
Farmers	$395	$67
Allstate	$668	$112
Encompass	$216	$36
Grange	$223	$37
California Causality	$248	$42

Cheapest Full Coverage Car Insurance in Rainier

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 Rainier is Kemper at $71 per month and $426 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rainier, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
Nationwide	$574	$98
Auto-Owners Insurance Co	$593	$99
Chubb	$673	$114
Capital Insurance Group	$685	$114
State Farm	$717	$121
USAA	$742	$125
Progressive	$797	$134
PEMCO	$815	$137
American Family	$840	$141
Travelers	$908	$153
Farmers	$964	$162
Allstate	$1124	$189
Granwest P&C	$1396	$237
California Causality	$704	$120
Mutual of Enumclaw	$828	$140

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Average Car Insurance in Rainier 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 Rainier, WA increasing?

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

Car Insurance Premiums by Age in Rainier

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	$704
30s	PEMCO	$493
40s	PEMCO	$498
50s	PEMCO	$473
60s	PEMCO	$498
70s	PEMCO	$619

Cheapest Car Insurance Rates for Teen Drivers in Rainier,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Rainier at $58 per month. At $760 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$346	$58
Auto-Owners Insurance Co	$353	$60
Chubb	$395	$66
State Farm	$803	$135
American Family	$1057	$178
Progressive	$1211	$204
USAA	$1273	$214
Pemco	$1297	$218
Farmers	$1841	$310
Allstate	$2125	$358
California Causality	$760	$129

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 Rainier.

As young drivers face the highest rates in Rainier, PEMCO offers the cheapest auto insurance rates at $704 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 Rainier, AutoOwners Insurance Co is the cheapest car insurance provider. At $241 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 Rainier is California Causality, offering rates of around $568 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$241	$41
Chubb	$284	$48
Travelers	$290	$49
Nationwide	$340	$56
Kemper	$370	$63
American Family	$563	$95
Progressive	$655	$110
State Farm	$760	$128
Farmers	$840	$141
Pemco	$970	$163
USAA	$1000	$171
Allstate	$2002	$334
National General	$408	$68
California Causality	$568	$97

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

Car Insurance Rates with An Accident in Rainier

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rainier

The cheapest car insurance companies after an at-fault accident in Rainier include AutoOwners Insurance Co and Encompass, offering $309 and $353, respectively. California Causality is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$52
Encompass	$353	$60
Chubb	$364	$61
Travelers	$439	$74
USAA	$469	$79
Kemper	$513	$87
State Farm	$692	$116
PEMCO	$760	$128
American Family	$828	$139
Capital Insurance Group	$914	$155
Progressive	$1093	$184
Farmers	$1180	$199
Allstate	$1903	$320
California Causality	$426	$71

Rainier Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rainier WA. For example, the car insurance in Rainier after a DUI increases to $846 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Rainier auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1112	$185
One Med/PIP claim	$1112	$189
Not-at-fault accident	$1149	$191
Two Med/PIP claims	$1149	$196
One comp claim	$1155	$192
Two comp claims	$1204	$205
Failure to show documents	$1328	$222
Child safety restraint	$1341	$228
Driving without lights	$1353	$226
Failure to wear a seat belt	$1353	$230
Speeding 11 - 15 MPH over limit	$1353	$226
Speeding 16 - 20 MPH over limit	$1353	$230
Speeding 6 - 10 MPH over limit	$1353	$226
Driving too slowly	$1366	$232
Driving with expired registration	$1366	$228
Cell phone violation	$1372	$233
Failure to yield	$1372	$229
Improper passing	$1372	$233
Texting while driving	$1372	$229
Wrong way/wrong lane	$1372	$233
Failure to stop at a red light	$1378	$230
Following too closely	$1378	$234
Illegal turn	$1378	$230
Speeding in school zone	$1439	$244
Passing school bus	$1446	$241
At-fault accident - less than $1000	$1464	$249
Speeding 21 - 25 MPH over limit	$1464	$244
Open container	$1471	$250
In 65 MPH zone	$1526	$255
At-fault accident - $1000-$2000	$1582	$269
At-fault accident - greater than $2000	$1588	$264
Operating a vehicle without permission	$1600	$272
Refusal to submit to a chemical test	$1915	$319
Reckless driving	$1921	$327
Driving with a suspended license	$1940	$323
DUI	$1958	$333
Racing	$2026	$338
Leaving scene of an accident/hit and run	$2038	$346

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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 Rainier 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 Rainier.

The cheapest car insurance premiums in Rainier are offered by Chubb at $353 for a six-month policy. However, it can be as expensive as $376 with companies like National General.

Rainier car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$353	$60
Auto-Owners Insurance Co	$445	$74
Travelers	$482	$81
American Family	$692	$116
Progressive	$766	$129
Pemco	$778	$131
USAA	$853	$144
State Farm	$895	$151
Farmers	$1223	$206
Allstate	$1803	$304
Grange	$1891	$321
Cal Casualty	$2112	$353
National General	$376	$64

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 Rainier are offered by Chubb at $309. However, it can be as expensive as $346 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Rainier after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$309	$52
Auto-Owners Insurance Co	$321	$55
Travelers	$395	$66
State Farm	$482	$81
American Family	$692	$116
USAA	$754	$128
Pemco	$760	$128
Progressive	$902	$152
Farmers	$1050	$177
Allstate	$1390	$236
California Causality	$346	$59

Car Insurance Price Trends in Rainier, Washington

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

The average cost of full coverage in the Rainier rose by $157 in December compared to $154 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 Rainier rose to $53 in December, compared to $52 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 Rainier?

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

What is the cheapest car insurance in Rainier?

The cheapest car insurance in Rainier is $71 per month for full coverage.

How much is car insurance in Rainier for teenagers?

Car insurance for teenagers costs $346 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 Rainier?

The average cost of car insurance is $768 for a six-month policy. It will cost around $134 per month to insure your car in Rainier.

Is car insurance expensive in Rainier?

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

Cheapest Car Insurance Quotes in Rainier

Why you can trust Way?

How Much Is Car Insurance in Rainier

Avg. Car Insurance in Rainier

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Rainier

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Rainier Car Insurance Rates by Company

Cheap Car Insurance Companies in Rainier, WA

Way's key takeaways about car insurance in Rainier

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rainier

Cheapest Liability Coverage in Rainier, WA

Cheapest Full Coverage Car Insurance in Rainier

Cheapest Full Coverage Car Insurance Quotes in Rainier, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rainier by Rating Factor

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

Car Insurance Premiums by Age in Rainier

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rainier,WA

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

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 Rainier

Cheapest Car Insurance Companies after an At-Fault Accident in Rainier

Rainier Car Insurance Rates by Violation

Rainier auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rainier after a DUI

Rainier car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rainier after Speeding ticket

Car Insurance Price Trends in Rainier, Washington

Average Car Insurance Cost in Rainier by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rainier, WA

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

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