Cheapest Car Insurance Quotes in Sammamish

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Sammamish Car Insurance

^$ 39

/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 Sammamish

The car insurance rate in Sammamish is $1000 for a six-month policy, which is $83 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Sammamish 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 Sammamish

$1000

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Sammamish

1st place: Kemper

At $447 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $602 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 $621 for six months, making it the third cheapest auto insurance company in Sammamish.

Sammamish Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sammamish, WA is Kemper, offering policies at just $447 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $602.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2636 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sammamish drivers find the best deals.

Cheap Car Insurance Companies in Sammamish, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Nationwide	$602	$102
Auto-Owners Insurance Co	$621	$104
Chubb	$705	$120
Capital Insurance Group	$718	$120
USAA	$841	$142
Mutual of Enumclaw	$887	$148
American Family	$907	$153
State Farm	$907	$153
Progressive	$925	$156
PEMCO	$997	$168
Travelers	$1004	$169
Farmers	$1101	$185
Allstate	$1243	$209
Granwest P&C	$1463	$244
Sentry	$2636	$448

Key Takeaways

Way's key takeaways about car insurance in Sammamish

The auto insurance costs in Sammamish fall around $447 for six months.
The cheapest auto insurance company in Sammamish is California Casualty.
Teen drivers pay the highest rate in Sammamish at $742 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Sammamish

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 Sammamish are given below.

California Casualty provides the cheapest minimum car insurance coverage in Sammamish. Their Average 6 Month Premium is $233. Sentry is the most expensive at $758 for the same period.

Cheapest Liability Coverage in Sammamish, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$233	$39
USAA	$233	$39
Granwest P&C	$240	$40
Auto-Owners Insurance Co	$253	$43
Chubb	$298	$50
Nationwide	$311	$52
PEMCO	$311	$52
Capital Insurance Group	$330	$57
Progressive	$337	$57
American Family	$343	$59
Mutual of Enumclaw	$370	$62
State Farm	$370	$62
Travelers	$376	$63
Farmers	$440	$74
Allstate	$731	$123
Sentry	$758	$129

Cheapest Full Coverage Car Insurance in Sammamish

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 Sammamish is Kemper at $74 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sammamish, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Nationwide	$602	$102
Auto-Owners Insurance Co	$621	$104
Chubb	$705	$120
Capital Insurance Group	$718	$120
USAA	$841	$142
Mutual of Enumclaw	$887	$148
American Family	$907	$153
State Farm	$907	$153
Progressive	$925	$156
PEMCO	$997	$168
Travelers	$1004	$169
Farmers	$1101	$185
Allstate	$1243	$209
Granwest P&C	$1463	$244
Sentry	$2636	$448

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Average Car Insurance in Sammamish 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 Sammamish, WA increasing?

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

Car Insurance Premiums by Age in Sammamish

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	$738
30s	PEMCO	$517
40s	PEMCO	$522
50s	PEMCO	$496
60s	PEMCO	$522
70s	PEMCO	$649

Cheapest Car Insurance Rates for Teen Drivers in Sammamish,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Sammamish at $61 per month. At $4455 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$61
Auto-Owners Insurance Co	$370	$61
Chubb	$414	$71
Travelers	$1218	$205
State Farm	$1288	$217
USAA	$1495	$252
Pemco	$1839	$310
Farmers	$2220	$374
Mutual of Enumclaw	$2246	$382
Progressive	$2454	$413
Allstate	$2551	$429
Sentry	$4455	$742

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 Sammamish.

As young drivers face the highest rates in Sammamish, PEMCO offers the cheapest auto insurance rates at $738 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 Sammamish, AutoOwners Insurance Co is the cheapest car insurance provider. At $253 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 Sammamish is Sentry, offering rates of around $2636 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$43
Chubb	$298	$50
American Family	$343	$59
Nationwide	$356	$59
Kemper	$388	$66
Farmers	$1010	$170
Travelers	$1075	$181
State Farm	$1275	$215
Progressive	$1282	$216
USAA	$1315	$219
Pemco	$1502	$253
Mutual of Enumclaw	$1541	$257
Allstate	$2409	$410
Sentry	$2636	$439

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Sammamish

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

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

The cheapest car insurance companies after an at-fault accident in Sammamish include AutoOwners Insurance Co and Encompass, offering $324 and $370, respectively. Sentry is an expensive provider with an average six-month premium of $4578.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$55
Encompass	$370	$63
Chubb	$382	$64
American Family	$414	$71
Kemper	$537	$89
USAA	$577	$97
Travelers	$841	$142
State Farm	$861	$145
PEMCO	$938	$158
Capital Insurance Group	$958	$162
Mutual of Enumclaw	$1198	$199
Progressive	$1275	$215
Farmers	$1359	$229
Allstate	$2220	$374
Sentry	$4578	$763

Sammamish Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sammamish WA. For example, the car insurance in Sammamish after a DUI increases to $887 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Sammamish auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
One Med/PIP claim	$1165	$198
Not-at-fault accident	$1204	$201
Two Med/PIP claims	$1204	$205
One comp claim	$1211	$202
Two comp claims	$1262	$215
Failure to show documents	$1392	$232
Child safety restraint	$1405	$239
Driving without lights	$1418	$237
Failure to wear a seat belt	$1418	$241
Speeding 11 - 15 MPH over limit	$1418	$237
Speeding 16 - 20 MPH over limit	$1418	$241
Speeding 6 - 10 MPH over limit	$1418	$237
Driving too slowly	$1431	$243
Driving with expired registration	$1431	$239
Cell phone violation	$1438	$244
Failure to yield	$1438	$240
Improper passing	$1438	$244
Texting while driving	$1438	$240
Wrong way/wrong lane	$1438	$244
Failure to stop at a red light	$1444	$241
Following too closely	$1444	$245
Illegal turn	$1444	$241
Speeding in school zone	$1509	$256
Passing school bus	$1515	$253
At-fault accident - less than $1000	$1535	$261
Speeding 21 - 25 MPH over limit	$1535	$256
Open container	$1541	$262
In 65 MPH zone	$1599	$267
At-fault accident - $1000-$2000	$1658	$282
At-fault accident - greater than $2000	$1664	$277
Operating a vehicle without permission	$1676	$286
Refusal to submit to a chemical test	$2007	$335
Reckless driving	$2013	$342
Driving with a suspended license	$2033	$339
DUI	$2052	$349
Racing	$2123	$354
Leaving scene of an accident/hit and run	$2136	$363

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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 Sammamish 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 Sammamish.

The cheapest car insurance premiums in Sammamish are offered by Chubb at $370 for a six-month policy. However, it can be as expensive as $3471 with companies like Sentry.

Sammamish car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$370	$63
American Family	$408	$68
Auto-Owners Insurance Co	$467	$80
Travelers	$887	$149
Progressive	$894	$150
USAA	$984	$166
Pemco	$1088	$183
State Farm	$1185	$199
Farmers	$1385	$233
Mutual of Enumclaw	$1548	$258
Grange	$1982	$337
Allstate	$2026	$341
Cal Casualty	$2214	$376
Sentry	$3471	$579

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 Sammamish are offered by Chubb at $324. However, it can be as expensive as $4241 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Sammamish after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$324	$56
Auto-Owners Insurance Co	$337	$56
American Family	$408	$70
State Farm	$758	$128
Travelers	$925	$156
USAA	$1017	$169
Mutual of Enumclaw	$1081	$184
Pemco	$1127	$190
Progressive	$1152	$194
Farmers	$1269	$214
Allstate	$1949	$331
Sentry	$4241	$706

Car Insurance Price Trends in Sammamish, Washington

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

The average cost of full coverage in the Sammamish remained steady at $213 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Sammamish remained steady at $61 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Sammamish?

The car insurance in Sammamish is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Sammamish?

The cheapest car insurance in Sammamish is $74 per month for full coverage.

How much is car insurance in Sammamish for teenagers?

Car insurance for teenagers costs $356 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 Sammamish?

The average cost of car insurance is $917 for a six-month policy. It will cost around $168 per month to insure your car in Sammamish.

Is car insurance expensive in Sammamish?

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

Cheapest Car Insurance Quotes in Sammamish

Why you can trust Way?

How Much Is Car Insurance in Sammamish

Avg. Car Insurance in Sammamish

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Sammamish

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Sammamish Car Insurance Rates by Company

Cheap Car Insurance Companies in Sammamish, WA

Way's key takeaways about car insurance in Sammamish

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sammamish

Cheapest Liability Coverage in Sammamish, WA

Cheapest Full Coverage Car Insurance in Sammamish

Cheapest Full Coverage Car Insurance Quotes in Sammamish, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sammamish by Rating Factor

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

Car Insurance Premiums by Age in Sammamish

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sammamish,WA

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

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 Sammamish

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

Sammamish Car Insurance Rates by Violation

Sammamish auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sammamish after a DUI

Sammamish car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sammamish after Speeding ticket

Car Insurance Price Trends in Sammamish, Washington

Average Car Insurance Cost in Sammamish by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sammamish, WA

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

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