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Finding the cheapest car insurance quotes in Stehekin 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Stehekin
The car insurance rate in Stehekin is $745 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Stehekin 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.
At $398 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $535 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 $553
for six months, making it
the third cheapest auto insurance company in Stehekin.
Stehekin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stehekin, WA is Kemper, offering policies at just $398 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $535.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $772 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stehekin drivers find the best deals.
Way's key takeaways about car insurance in Stehekin
The auto insurance costs in Stehekin fall around $398 for six
months.
The cheapest auto insurance company in Stehekin is USAA.
Teen drivers pay the highest rate in Stehekin at $120 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Stehekin
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 Stehekin are given below.
USAA provides
the cheapest minimum car insurance
coverage in Stehekin. Their Average 6 Month Premium is $184.
California Causality is the most
expensive at $231 for the same
period.
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 Stehekin is Kemper
at $66 per month and $398
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stehekin,
WA
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Instantly!
Average Car Insurance in Stehekin 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 Stehekin, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stehekin, 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, Stehekin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stehekin
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
$657
30s
PEMCO
$460
40s
PEMCO
$465
50s
PEMCO
$441
60s
PEMCO
$465
70s
PEMCO
$577
Cheapest Car Insurance Rates for Teen Drivers in
Stehekin,WA
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Stehekin at $54
per
month. At $709 for a six-month premium,
California Causality offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Stehekin.
As young drivers face the highest rates in Stehekin, PEMCO
offers the cheapest auto insurance rates at $657 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 Stehekin,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $225 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
Stehekin is California Causality, offering
rates of around $530 for six
months.
Save up to $971/yr on car insurance rates in Stehekin.
Car Insurance Rates with An Accident in Stehekin
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 Stehekin, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stehekin
The cheapest car insurance companies after an at-fault accident in
Stehekin include AutoOwners Insurance Co
and Encompass, offering $288
and $329,
respectively. California Causality is an expensive provider
with an average six-month premium of
$398.
Here is a list of driving violations that can increase your car
insurance rates in Stehekin WA. For example, the car
insurance in Stehekin
after a DUI increases to $790 for a six
month policy. While the rate increases by $225 for a six-month policy in the case of
a speeding ticket.
Stehekin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1037
$173
One Med/PIP claim
$1037
$177
Not-at-fault accident
$1072
$178
Two Med/PIP claims
$1072
$182
One comp claim
$1078
$179
Two comp claims
$1123
$191
Failure to show documents
$1239
$207
Child safety restraint
$1250
$212
Driving without lights
$1262
$210
Failure to wear a seat belt
$1262
$214
Speeding 11 - 15 MPH over limit
$1262
$210
Speeding 16 - 20 MPH over limit
$1262
$214
Speeding 6 - 10 MPH over limit
$1262
$210
Driving too slowly
$1274
$216
Driving with expired registration
$1274
$212
Cell phone violation
$1279
$217
Failure to yield
$1279
$213
Improper passing
$1279
$217
Texting while driving
$1279
$213
Wrong way/wrong lane
$1279
$217
Failure to stop at a red light
$1285
$214
Following too closely
$1285
$218
Illegal turn
$1285
$214
Speeding in school zone
$1342
$228
Passing school bus
$1348
$225
At-fault accident - less than $1000
$1366
$232
Speeding 21 - 25 MPH over limit
$1366
$228
Open container
$1372
$233
In 65 MPH zone
$1423
$238
At-fault accident - $1000-$2000
$1475
$251
At-fault accident - greater than $2000
$1481
$246
Operating a vehicle without permission
$1492
$254
Refusal to submit to a chemical test
$1786
$298
Reckless driving
$1792
$305
Driving with a suspended license
$1809
$302
DUI
$1827
$310
Racing
$1890
$315
Leaving scene of an accident/hit and run
$1901
$323
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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 Stehekin 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 Stehekin.
The cheapest car insurance premiums in
Stehekin are
offered by Chubb at $329 for a six-month policy.
However, it can be as
expensive as $351 with companies
like National General.
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 Stehekin are offered by Chubb
at $288. However,
it can be as expensive as $323
with companies like California Causality for a similar
six-month premium.
Cheapest Car Insurance in Stehekin after Speeding ticket
Car Insurance Price Trends in Stehekin,
Washington
Car insurance rates in Stehekin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stehekin rose by
$146 in December
compared to $144 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 Stehekin remained steady at $49 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Stehekin 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
Stehekin. At $1489 for a
six-month policy, insuring
your car at 98852 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Stehekin?
The car insurance in Stehekin is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Stehekin?
The cheapest car insurance in Stehekin
is $66 per month
for full coverage.
How much is car insurance in Stehekin for teenagers?
Car insurance for teenagers costs $323 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
Stehekin?
The average cost of car insurance is $768 for a six-month
policy. It will cost around $125 per month to insure your
car in Stehekin.
Is car insurance expensive in Stehekin?
Car insurance can be expensive in Stehekin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stehekin can be
affordable.
What is the best car insurance in Stehekin,
WA?
The best car insurance company in Stehekin
WA is
Kemper, offering $398 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stehekin, WA
Car Insurance Rates by State in the USA (2025 Update)
Stehekin Car Insurance
