Cheapest Car Insurance Quotes in Stansberry Lake

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Stansberry Lake Car Insurance

^$ 34

/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 Stansberry Lake

The car insurance rate in Stansberry Lake is $806 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Stansberry 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 Stansberry Lake

$806

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Stansberry Lake

1st place: Kemper

At $431 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $580 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 $599 for six months, making it the third cheapest auto insurance company in Stansberry Lake.

Stansberry Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stansberry Lake, WA is Kemper, offering policies at just $431 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $580.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $836 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stansberry Lake drivers find the best deals.

Cheap Car Insurance Companies in Stansberry Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$71
Nationwide	$580	$99
Auto-Owners Insurance Co	$599	$100
Chubb	$679	$116
Capital Insurance Group	$692	$116
State Farm	$723	$122
USAA	$749	$126
Progressive	$804	$135
PEMCO	$823	$139
American Family	$848	$143
Travelers	$917	$154
Farmers	$973	$164
Allstate	$1135	$191
Granwest P&C	$1409	$239
California Causality	$711	$121
Mutual of Enumclaw	$836	$142

Key Takeaways

Way's key takeaways about car insurance in Stansberry Lake

The auto insurance costs in Stansberry Lake fall around $431 for six months.
The cheapest auto insurance company in Stansberry Lake is USAA.
Teen drivers pay the highest rate in Stansberry Lake at $130 per month.

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Cheapest Minimum Liability Car Insurance in Stansberry 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 Stansberry Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Stansberry Lake. Their Average 6 Month Premium is $200. California Causality is the most expensive at $250 for the same period.

Cheapest Liability Coverage in Stansberry Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$200	$34
California Casualty	$225	$38
Granwest P&C	$231	$39
PEMCO	$237	$40
Auto-Owners Insurance Co	$244	$41
Chubb	$287	$48
Travelers	$293	$49
Nationwide	$299	$50
Capital Insurance Group	$318	$53
State Farm	$318	$54
Progressive	$331	$56
American Family	$374	$63
Mutual of Enumclaw	$380	$63
Farmers	$399	$67
Allstate	$674	$113
Encompass	$218	$37
Grange	$225	$38
California Causality	$250	$42

Cheapest Full Coverage Car Insurance in Stansberry 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 Stansberry Lake is Kemper at $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stansberry Lake, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$71
Nationwide	$580	$99
Auto-Owners Insurance Co	$599	$100
Chubb	$679	$116
Capital Insurance Group	$692	$116
State Farm	$723	$122
USAA	$749	$126
Progressive	$804	$135
PEMCO	$823	$139
American Family	$848	$143
Travelers	$917	$154
Farmers	$973	$164
Allstate	$1135	$191
Granwest P&C	$1409	$239
California Causality	$711	$121
Mutual of Enumclaw	$836	$142

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Average Car Insurance in Stansberry 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 Stansberry Lake, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Stansberry 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, Stansberry 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 Stansberry 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	$711
30s	PEMCO	$498
40s	PEMCO	$503
50s	PEMCO	$478
60s	PEMCO	$503
70s	PEMCO	$625

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Stansberry Lake at $59 per month. At $768 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$350	$59
Auto-Owners Insurance Co	$356	$61
Chubb	$399	$66
State Farm	$811	$137
American Family	$1067	$180
Progressive	$1222	$206
USAA	$1285	$216
Pemco	$1309	$221
Farmers	$1859	$313
Allstate	$2145	$361
California Causality	$768	$130

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 Stansberry Lake.

As young drivers face the highest rates in Stansberry Lake, PEMCO offers the cheapest auto insurance rates at $711 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 Stansberry Lake, AutoOwners Insurance Co is the cheapest car insurance provider. At $244 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 Stansberry Lake is California Causality, offering rates of around $573 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Chubb	$287	$48
Travelers	$293	$49
Nationwide	$343	$57
Kemper	$374	$64
American Family	$568	$96
Progressive	$662	$111
State Farm	$768	$129
Farmers	$848	$143
Pemco	$980	$165
USAA	$1010	$172
Allstate	$2021	$337
National General	$412	$68
California Causality	$573	$98

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Stansberry 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 Stansberry Lake, WA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Stansberry Lake include AutoOwners Insurance Co and Encompass, offering $312 and $356, respectively. California Causality is an expensive provider with an average six-month premium of $431.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$53
Encompass	$356	$61
Chubb	$368	$62
Travelers	$443	$75
USAA	$474	$80
Kemper	$518	$88
State Farm	$698	$118
PEMCO	$768	$129
American Family	$836	$141
Capital Insurance Group	$923	$156
Progressive	$1104	$186
Farmers	$1192	$201
Allstate	$1922	$323
California Causality	$431	$71

Stansberry Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stansberry Lake WA. For example, the car insurance in Stansberry Lake after a DUI increases to $855 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Stansberry Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1122	$187
One Med/PIP claim	$1122	$191
Not-at-fault accident	$1160	$193
Two Med/PIP claims	$1160	$197
One comp claim	$1167	$194
Two comp claims	$1216	$207
Failure to show documents	$1341	$224
Child safety restraint	$1353	$230
Driving without lights	$1366	$228
Failure to wear a seat belt	$1366	$232
Speeding 11 - 15 MPH over limit	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Speeding 6 - 10 MPH over limit	$1366	$228
Driving too slowly	$1379	$234
Driving with expired registration	$1379	$230
Cell phone violation	$1385	$235
Failure to yield	$1385	$231
Improper passing	$1385	$235
Texting while driving	$1385	$231
Wrong way/wrong lane	$1385	$235
Failure to stop at a red light	$1391	$232
Following too closely	$1391	$236
Illegal turn	$1391	$232
Speeding in school zone	$1453	$247
Passing school bus	$1460	$244
At-fault accident - less than $1000	$1478	$251
Speeding 21 - 25 MPH over limit	$1478	$247
Open container	$1485	$252
In 65 MPH zone	$1540	$257
At-fault accident - $1000-$2000	$1597	$272
At-fault accident - greater than $2000	$1603	$267
Operating a vehicle without permission	$1615	$275
Refusal to submit to a chemical test	$1933	$322
Reckless driving	$1939	$330
Driving with a suspended license	$1958	$327
DUI	$1977	$336
Racing	$2045	$341
Leaving scene of an accident/hit and run	$2058	$350

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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 Stansberry 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 Stansberry Lake.

The cheapest car insurance premiums in Stansberry Lake are offered by Chubb at $356 for a six-month policy. However, it can be as expensive as $380 with companies like National General.

Stansberry Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$356	$61
Auto-Owners Insurance Co	$449	$75
Travelers	$486	$82
American Family	$698	$118
Progressive	$774	$130
Pemco	$785	$132
USAA	$861	$145
State Farm	$904	$152
Farmers	$1235	$208
Allstate	$1821	$307
Grange	$1909	$324
Cal Casualty	$2133	$356
National General	$380	$65

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 Stansberry Lake are offered by Chubb at $312. However, it can be as expensive as $350 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Stansberry Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$53
Auto-Owners Insurance Co	$324	$56
Travelers	$399	$66
State Farm	$486	$82
American Family	$698	$118
USAA	$761	$129
Pemco	$768	$129
Progressive	$910	$153
Farmers	$1061	$179
Allstate	$1404	$238
California Causality	$350	$60

Car Insurance Price Trends in Stansberry Lake, Washington

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

The average cost of full coverage in the Stansberry Lake rose by $159 in December compared to $155 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 Stansberry Lake rose to $54 in December, compared to $53 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 Stansberry Lake?

The car insurance in Stansberry Lake is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Stansberry Lake?

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

How much is car insurance in Stansberry Lake for teenagers?

Car insurance for teenagers costs $350 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 Stansberry Lake?

The average cost of car insurance is $768 for a six-month policy. It will cost around $135 per month to insure your car in Stansberry Lake.

Is car insurance expensive in Stansberry Lake?

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

Cheapest Car Insurance Quotes in Stansberry Lake

Why you can trust Way?

How Much Is Car Insurance in Stansberry Lake

Avg. Car Insurance in Stansberry Lake

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Stansberry Lake

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Stansberry Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Stansberry Lake, WA

Way's key takeaways about car insurance in Stansberry Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stansberry Lake

Cheapest Liability Coverage in Stansberry Lake, WA

Cheapest Full Coverage Car Insurance in Stansberry Lake

Cheapest Full Coverage Car Insurance Quotes in Stansberry Lake, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stansberry Lake by Rating Factor

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

Car Insurance Premiums by Age in Stansberry Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Stansberry Lake Car Insurance Rates by Violation

Stansberry Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stansberry Lake after a DUI

Stansberry Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stansberry Lake after Speeding ticket

Car Insurance Price Trends in Stansberry Lake, Washington

Average Car Insurance Cost in Stansberry Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stansberry Lake, WA

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

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