Cheapest Car Insurance Quotes in Renton

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Renton Car Insurance

^$ 40

/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 Renton

The car insurance rate in Renton is $952 for a six-month policy, which is $184 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Renton 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 Renton

$952

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Renton

1st place: Kemper

At $508 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $684 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 $707 for six months, making it the third cheapest auto insurance company in Renton.

Renton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Renton, WA is Kemper, offering policies at just $508 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $684.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Renton drivers find the best deals.

Cheap Car Insurance Companies in Renton, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$84
Nationwide	$684	$117
Auto-Owners Insurance Co	$707	$118
Chubb	$802	$136
Capital Insurance Group	$817	$136
State Farm	$854	$144
USAA	$884	$149
Progressive	$950	$160
PEMCO	$972	$164
American Family	$1002	$169
Travelers	$1083	$182
Farmers	$1149	$193
Allstate	$1340	$226
Granwest P&C	$1664	$283
California Causality	$839	$143
Mutual of Enumclaw	$987	$167

Key Takeaways

Way's key takeaways about car insurance in Renton

The auto insurance costs in Renton fall around $508 for six months.
The cheapest auto insurance company in Renton is USAA.
Teen drivers pay the highest rate in Renton at $154 per month.

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Cheapest Minimum Liability Car Insurance in Renton

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 Renton are given below.

USAA provides the cheapest minimum car insurance coverage in Renton. Their Average 6 Month Premium is $236. California Causality is the most expensive at $295 for the same period.

Cheapest Liability Coverage in Renton, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$236	$40
California Casualty	$265	$45
Granwest P&C	$273	$46
PEMCO	$280	$47
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
Travelers	$346	$58
Nationwide	$353	$60
Capital Insurance Group	$376	$62
State Farm	$376	$63
Progressive	$391	$66
American Family	$441	$74
Mutual of Enumclaw	$449	$74
Farmers	$471	$79
Allstate	$796	$134
Encompass	$258	$43
Grange	$265	$45
California Causality	$295	$50

Cheapest Full Coverage Car Insurance in Renton

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 Renton is Kemper at $84 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Renton, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$84
Nationwide	$684	$117
Auto-Owners Insurance Co	$707	$118
Chubb	$802	$136
Capital Insurance Group	$817	$136
State Farm	$854	$144
USAA	$884	$149
Progressive	$950	$160
PEMCO	$972	$164
American Family	$1002	$169
Travelers	$1083	$182
Farmers	$1149	$193
Allstate	$1340	$226
Granwest P&C	$1664	$283
California Causality	$839	$143
Mutual of Enumclaw	$987	$167

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Average Car Insurance in Renton 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 Renton, WA increasing?

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

Car Insurance Premiums by Age in Renton

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	$839
30s	PEMCO	$588
40s	PEMCO	$594
50s	PEMCO	$564
60s	PEMCO	$594
70s	PEMCO	$738

Cheapest Car Insurance Rates for Teen Drivers in Renton,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Renton at $69 per month. At $906 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$413	$69
Auto-Owners Insurance Co	$420	$72
Chubb	$471	$78
State Farm	$957	$161
American Family	$1260	$212
Progressive	$1443	$243
USAA	$1518	$255
Pemco	$1546	$260
Farmers	$2195	$370
Allstate	$2533	$427
California Causality	$906	$154

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 Renton.

As young drivers face the highest rates in Renton, PEMCO offers the cheapest auto insurance rates at $839 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 Renton, AutoOwners Insurance Co is the cheapest car insurance provider. At $288 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 Renton is California Causality, offering rates of around $677 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
Travelers	$346	$58
Nationwide	$405	$67
Kemper	$441	$76
American Family	$671	$113
Progressive	$781	$131
State Farm	$906	$153
Farmers	$1002	$169
Pemco	$1157	$195
USAA	$1193	$203
Allstate	$2387	$398
National General	$486	$81
California Causality	$677	$115

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Car Insurance Rates with An Accident in Renton

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

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

The cheapest car insurance companies after an at-fault accident in Renton include AutoOwners Insurance Co and Encompass, offering $368 and $420, respectively. California Causality is an expensive provider with an average six-month premium of $508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$62
Encompass	$420	$72
Chubb	$434	$73
Travelers	$523	$88
USAA	$559	$94
Kemper	$611	$104
State Farm	$825	$139
PEMCO	$906	$153
American Family	$987	$166
Capital Insurance Group	$1090	$185
Progressive	$1303	$219
Farmers	$1407	$237
Allstate	$2269	$382
California Causality	$508	$84

Renton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Renton WA. For example, the car insurance in Renton after a DUI increases to $1009 for a six month policy. While the rate increases by $287 for a six-month policy in the case of a speeding ticket.

Renton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1326	$221
One Med/PIP claim	$1326	$226
Not-at-fault accident	$1370	$228
Two Med/PIP claims	$1370	$233
One comp claim	$1378	$229
Two comp claims	$1436	$244
Failure to show documents	$1583	$264
Child safety restraint	$1598	$272
Driving without lights	$1613	$269
Failure to wear a seat belt	$1613	$274
Speeding 11 - 15 MPH over limit	$1613	$269
Speeding 16 - 20 MPH over limit	$1613	$274
Speeding 6 - 10 MPH over limit	$1613	$269
Driving too slowly	$1628	$277
Driving with expired registration	$1628	$272
Cell phone violation	$1636	$278
Failure to yield	$1636	$273
Improper passing	$1636	$278
Texting while driving	$1636	$273
Wrong way/wrong lane	$1636	$278
Failure to stop at a red light	$1643	$274
Following too closely	$1643	$279
Illegal turn	$1643	$274
Speeding in school zone	$1716	$291
Passing school bus	$1724	$288
At-fault accident - less than $1000	$1746	$296
Speeding 21 - 25 MPH over limit	$1746	$291
Open container	$1753	$298
In 65 MPH zone	$1819	$304
At-fault accident - $1000-$2000	$1886	$321
At-fault accident - greater than $2000	$1893	$315
Operating a vehicle without permission	$1907	$325
Refusal to submit to a chemical test	$2283	$381
Reckless driving	$2290	$389
Driving with a suspended license	$2313	$386
DUI	$2335	$397
Racing	$2416	$403
Leaving scene of an accident/hit and run	$2430	$413

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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 Renton 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 Renton.

The cheapest car insurance premiums in Renton are offered by Chubb at $420 for a six-month policy. However, it can be as expensive as $449 with companies like National General.

Renton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$420	$72
Auto-Owners Insurance Co	$531	$88
Travelers	$574	$97
American Family	$825	$139
Progressive	$914	$154
Pemco	$928	$156
USAA	$1017	$171
State Farm	$1068	$180
Farmers	$1458	$246
Allstate	$2150	$362
Grange	$2254	$383
Cal Casualty	$2518	$420
National General	$449	$77

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 Renton are offered by Chubb at $368. However, it can be as expensive as $413 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Renton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$368	$62
Auto-Owners Insurance Co	$383	$66
Travelers	$471	$78
State Farm	$574	$97
American Family	$825	$139
USAA	$899	$153
Pemco	$906	$153
Progressive	$1075	$181
Farmers	$1252	$211
Allstate	$1658	$281
California Causality	$413	$71

Car Insurance Price Trends in Renton, Washington

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

The average cost of full coverage in the Renton rose by $187 in December compared to $184 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 Renton rose to $63 in December, compared to $62 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Renton by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Renton. At $1190 for a six-month policy, insuring your car at 98059 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
98059	$1190	$199
98058	$1218	$204
98055	$1095	$183
98057	$1028	$172
98056	$1161	$195

Frequently Asked Questions

How much is car insurance in Renton?

The car insurance in Renton is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Renton?

The cheapest car insurance in Renton is $84 per month for full coverage.

How much is car insurance in Renton for teenagers?

Car insurance for teenagers costs $413 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 Renton?

The average cost of car insurance is $768 for a six-month policy. It will cost around $160 per month to insure your car in Renton.

Is car insurance expensive in Renton?

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

Cheapest Car Insurance Quotes in Renton

Why you can trust Way?

How Much Is Car Insurance in Renton

Avg. Car Insurance in Renton

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Renton

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Renton Car Insurance Rates by Company

Cheap Car Insurance Companies in Renton, WA

Way's key takeaways about car insurance in Renton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Renton

Cheapest Liability Coverage in Renton, WA

Cheapest Full Coverage Car Insurance in Renton

Cheapest Full Coverage Car Insurance Quotes in Renton, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Renton by Rating Factor

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

Car Insurance Premiums by Age in Renton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Renton,WA

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

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 Renton

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

Renton Car Insurance Rates by Violation

Renton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Renton after a DUI

Renton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Renton after Speeding ticket

Car Insurance Price Trends in Renton, Washington

Average Car Insurance Cost in Renton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Renton, WA

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

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