Cheapest Car Insurance Quotes in Soap Lake

Finding the cheapest car insurance quotes in Soap Lake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Soap Lake Car Insurance

^$ 28

/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 Soap Lake

The car insurance rate in Soap Lake is $684 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $365, making it a popular choice for budget-conscious drivers. Rates in Soap Lake 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 Soap Lake

$684

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Soap Lake

1st place: Kemper

At $365 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $491 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 $507 for six months, making it the third cheapest auto insurance company in Soap Lake.

Soap Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Soap Lake, WA is Kemper, offering policies at just $365 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $491.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $708 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Soap Lake drivers find the best deals.

Cheap Car Insurance Companies in Soap Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$365	$61
Nationwide	$491	$84
Auto-Owners Insurance Co	$507	$85
Chubb	$576	$98
Capital Insurance Group	$587	$98
State Farm	$613	$103
USAA	$635	$107
Progressive	$682	$115
PEMCO	$698	$117
American Family	$719	$121
Travelers	$777	$131
Farmers	$825	$139
Allstate	$962	$162
Granwest P&C	$1194	$203
California Causality	$603	$102
Mutual of Enumclaw	$708	$120

Key Takeaways

Way's key takeaways about car insurance in Soap Lake

The auto insurance costs in Soap Lake fall around $365 for six months.
The cheapest auto insurance company in Soap Lake is USAA.
Teen drivers pay the highest rate in Soap Lake at $110 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Soap Lake

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 Soap Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Soap Lake. Their Average 6 Month Premium is $169. California Causality is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Soap Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$169	$28
California Casualty	$190	$32
Granwest P&C	$196	$33
PEMCO	$201	$34
Auto-Owners Insurance Co	$206	$35
Chubb	$243	$41
Travelers	$248	$42
Nationwide	$254	$43
Capital Insurance Group	$270	$45
State Farm	$270	$45
Progressive	$280	$47
American Family	$317	$53
Mutual of Enumclaw	$322	$53
Farmers	$338	$57
Allstate	$571	$96
Encompass	$185	$31
Grange	$190	$32
California Causality	$212	$36

Cheapest Full Coverage Car Insurance in Soap Lake

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 Soap Lake is Kemper at $61 per month and $365 for six months.

Cheapest Full Coverage Car Insurance Quotes in Soap Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$365	$61
Nationwide	$491	$84
Auto-Owners Insurance Co	$507	$85
Chubb	$576	$98
Capital Insurance Group	$587	$98
State Farm	$613	$103
USAA	$635	$107
Progressive	$682	$115
PEMCO	$698	$117
American Family	$719	$121
Travelers	$777	$131
Farmers	$825	$139
Allstate	$962	$162
Granwest P&C	$1194	$203
California Causality	$603	$102
Mutual of Enumclaw	$708	$120

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Average Car Insurance in Soap Lake 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 Soap Lake, WA increasing?

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

Car Insurance Premiums by Age in Soap Lake

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	$603
30s	PEMCO	$422
40s	PEMCO	$426
50s	PEMCO	$405
60s	PEMCO	$426
70s	PEMCO	$530

Cheapest Car Insurance Rates for Teen Drivers in Soap Lake,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Soap Lake at $50 per month. At $651 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$296	$50
Auto-Owners Insurance Co	$302	$52
Chubb	$338	$56
State Farm	$687	$116
American Family	$904	$152
Progressive	$1036	$174
USAA	$1089	$183
Pemco	$1110	$187
Farmers	$1575	$265
Allstate	$1818	$306
California Causality	$651	$110

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 Soap Lake.

As young drivers face the highest rates in Soap Lake, PEMCO offers the cheapest auto insurance rates at $603 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 Soap Lake, AutoOwners Insurance Co is the cheapest car insurance provider. At $206 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 Soap Lake is California Causality, offering rates of around $486 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$206	$35
Chubb	$243	$41
Travelers	$248	$42
Nationwide	$291	$48
Kemper	$317	$54
American Family	$481	$81
Progressive	$561	$94
State Farm	$651	$109
Farmers	$719	$121
Pemco	$830	$140
USAA	$856	$146
Allstate	$1713	$286
National General	$349	$58
California Causality	$486	$83

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Soap Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Soap Lake

The cheapest car insurance companies after an at-fault accident in Soap Lake include AutoOwners Insurance Co and Encompass, offering $264 and $302, respectively. California Causality is an expensive provider with an average six-month premium of $365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$45
Encompass	$302	$52
Chubb	$312	$53
Travelers	$376	$63
USAA	$401	$68
Kemper	$439	$75
State Farm	$592	$100
PEMCO	$651	$109
American Family	$708	$119
Capital Insurance Group	$782	$133
Progressive	$935	$158
Farmers	$1010	$170
Allstate	$1629	$274
California Causality	$365	$61

Soap Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Soap Lake WA. For example, the car insurance in Soap Lake after a DUI increases to $725 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Soap Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$951	$158
One Med/PIP claim	$951	$162
Not-at-fault accident	$983	$164
Two Med/PIP claims	$983	$167
One comp claim	$989	$165
Two comp claims	$1031	$175
Failure to show documents	$1137	$190
Child safety restraint	$1147	$195
Driving without lights	$1158	$193
Failure to wear a seat belt	$1158	$197
Speeding 11 - 15 MPH over limit	$1158	$193
Speeding 16 - 20 MPH over limit	$1158	$197
Speeding 6 - 10 MPH over limit	$1158	$193
Driving too slowly	$1169	$198
Driving with expired registration	$1169	$195
Cell phone violation	$1174	$199
Failure to yield	$1174	$196
Improper passing	$1174	$199
Texting while driving	$1174	$196
Wrong way/wrong lane	$1174	$199
Failure to stop at a red light	$1179	$197
Following too closely	$1179	$200
Illegal turn	$1179	$197
Speeding in school zone	$1232	$209
Passing school bus	$1237	$206
At-fault accident - less than $1000	$1253	$213
Speeding 21 - 25 MPH over limit	$1253	$209
Open container	$1258	$214
In 65 MPH zone	$1306	$218
At-fault accident - $1000-$2000	$1354	$231
At-fault accident - greater than $2000	$1359	$226
Operating a vehicle without permission	$1369	$233
Refusal to submit to a chemical test	$1638	$273
Reckless driving	$1644	$279
Driving with a suspended license	$1660	$277
DUI	$1676	$285
Racing	$1734	$289
Leaving scene of an accident/hit and run	$1744	$296

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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 Soap Lake 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 Soap Lake.

The cheapest car insurance premiums in Soap Lake are offered by Chubb at $302 for a six-month policy. However, it can be as expensive as $322 with companies like National General.

Soap Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$302	$52
Auto-Owners Insurance Co	$381	$63
Travelers	$412	$69
American Family	$592	$100
Progressive	$656	$110
Pemco	$666	$112
USAA	$730	$123
State Farm	$766	$129
Farmers	$1047	$176
Allstate	$1543	$260
Grange	$1618	$275
Cal Casualty	$1808	$302
National General	$322	$55

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 Soap Lake are offered by Chubb at $264. However, it can be as expensive as $296 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Soap Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$264	$45
Auto-Owners Insurance Co	$275	$47
Travelers	$338	$56
State Farm	$412	$69
American Family	$592	$100
USAA	$645	$109
Pemco	$651	$109
Progressive	$772	$130
Farmers	$899	$151
Allstate	$1190	$202
California Causality	$296	$51

Car Insurance Price Trends in Soap Lake, Washington

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

The average cost of full coverage in the Soap Lake rose by $134 in December compared to $132 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Soap Lake remained steady at $45 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Soap Lake?

The car insurance in Soap Lake is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Soap Lake?

The cheapest car insurance in Soap Lake is $61 per month for full coverage.

How much is car insurance in Soap Lake for teenagers?

Car insurance for teenagers costs $296 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 Soap Lake?

The average cost of car insurance is $768 for a six-month policy. It will cost around $115 per month to insure your car in Soap Lake.

Is car insurance expensive in Soap Lake?

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

Cheapest Car Insurance Quotes in Soap Lake

Why you can trust Way?

How Much Is Car Insurance in Soap Lake

Avg. Car Insurance in Soap Lake

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Soap Lake

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Soap Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Soap Lake, WA

Way's key takeaways about car insurance in Soap Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Soap Lake

Cheapest Liability Coverage in Soap Lake, WA

Cheapest Full Coverage Car Insurance in Soap Lake

Cheapest Full Coverage Car Insurance Quotes in Soap Lake, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Soap Lake by Rating Factor

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

Car Insurance Premiums by Age in Soap Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Soap Lake,WA

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

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 Soap Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Soap Lake

Soap Lake Car Insurance Rates by Violation

Soap Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Soap Lake after a DUI

Soap Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Soap Lake after Speeding ticket

Car Insurance Price Trends in Soap Lake, Washington

Average Car Insurance Cost in Soap Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Soap Lake, WA

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

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