Cheapest Car Insurance Quotes in Steilacoom

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Steilacoom Car Insurance

^$ 42

/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 Steilacoom

The car insurance rate in Steilacoom is $1082 for a six-month policy, which is $165 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Steilacoom 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 Steilacoom

$1082

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Steilacoom

1st place: Kemper

At $484 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $651 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 $673 for six months, making it the third cheapest auto insurance company in Steilacoom.

Steilacoom Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Steilacoom, WA is Kemper, offering policies at just $484 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $651.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2853 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Steilacoom drivers find the best deals.

Cheap Car Insurance Companies in Steilacoom, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$484	$80
Nationwide	$651	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$763	$130
Capital Insurance Group	$778	$130
USAA	$911	$153
Mutual of Enumclaw	$961	$160
American Family	$982	$165
State Farm	$982	$165
Progressive	$1002	$169
PEMCO	$1080	$182
Travelers	$1087	$183
Farmers	$1192	$201
Allstate	$1345	$227
Granwest P&C	$1584	$264
Sentry	$2853	$485

Key Takeaways

Way's key takeaways about car insurance in Steilacoom

The auto insurance costs in Steilacoom fall around $484 for six months.
The cheapest auto insurance company in Steilacoom is California Casualty.
Teen drivers pay the highest rate in Steilacoom at $804 per month.

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Cheapest Minimum Liability Car Insurance in Steilacoom

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 Steilacoom are given below.

California Casualty provides the cheapest minimum car insurance coverage in Steilacoom. Their Average 6 Month Premium is $253. Grange is the most expensive at $253 for the same period.

Cheapest Liability Coverage in Steilacoom, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$253	$42
USAA	$253	$42
Granwest P&C	$260	$44
Auto-Owners Insurance Co	$274	$46
Chubb	$322	$54
Nationwide	$336	$57
PEMCO	$336	$57
Capital Insurance Group	$358	$61
Progressive	$365	$61
American Family	$372	$64
Mutual of Enumclaw	$400	$67
State Farm	$400	$67
Travelers	$407	$68
Farmers	$477	$80
Allstate	$792	$133
Sentry	$820	$139
Encompass	$245	$41
Grange	$253	$42

Cheapest Full Coverage Car Insurance in Steilacoom

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 Steilacoom is Kemper at $80 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Steilacoom, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$484	$80
Nationwide	$651	$111
Auto-Owners Insurance Co	$673	$112
Chubb	$763	$130
Capital Insurance Group	$778	$130
USAA	$911	$153
Mutual of Enumclaw	$961	$160
American Family	$982	$165
State Farm	$982	$165
Progressive	$1002	$169
PEMCO	$1080	$182
Travelers	$1087	$183
Farmers	$1192	$201
Allstate	$1345	$227
Granwest P&C	$1584	$264
Sentry	$2853	$485

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Average Car Insurance in Steilacoom 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 Steilacoom, WA increasing?

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

Car Insurance Premiums by Age in Steilacoom

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	$799
30s	PEMCO	$559
40s	PEMCO	$565
50s	PEMCO	$537
60s	PEMCO	$565
70s	PEMCO	$702

Cheapest Car Insurance Rates for Teen Drivers in Steilacoom,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Steilacoom at $66 per month. At $4823 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$386	$66
Auto-Owners Insurance Co	$400	$66
Chubb	$448	$77
Travelers	$1318	$222
State Farm	$1395	$235
USAA	$1619	$273
Pemco	$1991	$335
Farmers	$2404	$405
Mutual of Enumclaw	$2432	$413
Progressive	$2656	$447
Allstate	$2761	$465
Sentry	$4823	$804

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 Steilacoom.

As young drivers face the highest rates in Steilacoom, PEMCO offers the cheapest auto insurance rates at $799 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 Steilacoom, AutoOwners Insurance Co is the cheapest car insurance provider. At $274 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 Steilacoom is Sentry, offering rates of around $2853 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$274	$46
Chubb	$322	$54
American Family	$372	$64
Nationwide	$386	$64
Kemper	$420	$72
Farmers	$1094	$184
Travelers	$1163	$196
State Farm	$1381	$232
Progressive	$1388	$234
USAA	$1423	$237
Pemco	$1626	$274
Mutual of Enumclaw	$1669	$278
Allstate	$2608	$444
Sentry	$2853	$476

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Car Insurance Rates with An Accident in Steilacoom

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

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

The cheapest car insurance companies after an at-fault accident in Steilacoom include AutoOwners Insurance Co and Encompass, offering $350 and $400, respectively. Sentry is an expensive provider with an average six-month premium of $4956.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$59
Encompass	$400	$68
Chubb	$413	$70
American Family	$448	$77
Kemper	$582	$97
USAA	$624	$105
Travelers	$911	$153
State Farm	$932	$157
PEMCO	$1016	$171
Capital Insurance Group	$1037	$176
Mutual of Enumclaw	$1297	$216
Progressive	$1381	$232
Farmers	$1471	$248
Allstate	$2404	$405
Sentry	$4956	$826

Steilacoom Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Steilacoom WA. For example, the car insurance in Steilacoom after a DUI increases to $961 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Steilacoom auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1261	$210
One Med/PIP claim	$1261	$215
Not-at-fault accident	$1304	$217
Two Med/PIP claims	$1304	$222
One comp claim	$1311	$218
Two comp claims	$1366	$232
Failure to show documents	$1507	$251
Child safety restraint	$1521	$258
Driving without lights	$1535	$256
Failure to wear a seat belt	$1535	$261
Speeding 11 - 15 MPH over limit	$1535	$256
Speeding 16 - 20 MPH over limit	$1535	$261
Speeding 6 - 10 MPH over limit	$1535	$256
Driving too slowly	$1549	$263
Driving with expired registration	$1549	$258
Cell phone violation	$1556	$264
Failure to yield	$1556	$260
Improper passing	$1556	$264
Texting while driving	$1556	$260
Wrong way/wrong lane	$1556	$264
Failure to stop at a red light	$1564	$261
Following too closely	$1564	$266
Illegal turn	$1564	$261
Speeding in school zone	$1633	$277
Passing school bus	$1640	$274
At-fault accident - less than $1000	$1661	$282
Speeding 21 - 25 MPH over limit	$1661	$277
Open container	$1669	$283
In 65 MPH zone	$1731	$289
At-fault accident - $1000-$2000	$1795	$306
At-fault accident - greater than $2000	$1802	$300
Operating a vehicle without permission	$1815	$309
Refusal to submit to a chemical test	$2172	$362
Reckless driving	$2179	$371
Driving with a suspended license	$2201	$367
DUI	$2222	$378
Racing	$2299	$384
Leaving scene of an accident/hit and run	$2313	$393

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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 Steilacoom 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 Steilacoom.

The cheapest car insurance premiums in Steilacoom are offered by Chubb at $400 for a six-month policy. However, it can be as expensive as $3757 with companies like Sentry.

Steilacoom car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$400	$68
American Family	$441	$73
Auto-Owners Insurance Co	$505	$86
Travelers	$961	$162
Progressive	$968	$163
USAA	$1066	$179
Pemco	$1178	$198
State Farm	$1283	$216
Farmers	$1500	$253
Mutual of Enumclaw	$1676	$280
Grange	$2145	$365
Allstate	$2194	$369
Cal Casualty	$2397	$407
Sentry	$3757	$627

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 Steilacoom are offered by Chubb at $350. However, it can be as expensive as $4591 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Steilacoom after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$350	$60
Auto-Owners Insurance Co	$365	$60
American Family	$441	$76
State Farm	$820	$138
Travelers	$1002	$169
USAA	$1101	$183
Mutual of Enumclaw	$1171	$199
Pemco	$1220	$205
Progressive	$1247	$210
Farmers	$1374	$231
Allstate	$2110	$359
Sentry	$4591	$765

Car Insurance Price Trends in Steilacoom, Washington

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

The average cost of full coverage in the Steilacoom rose by $230 in January compared to $178 of December. In other words, there has been an increase by $52 when you compare January and December.

The average cost of liability insurance in the Steilacoom rose to $66 in January, compared to $60 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Steilacoom?

The car insurance in Steilacoom is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Steilacoom?

The cheapest car insurance in Steilacoom is $80 per month for full coverage.

How much is car insurance in Steilacoom for teenagers?

Car insurance for teenagers costs $386 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 Steilacoom?

The average cost of car insurance is $917 for a six-month policy. It will cost around $182 per month to insure your car in Steilacoom.

Is car insurance expensive in Steilacoom?

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

Cheapest Car Insurance Quotes in Steilacoom

Why you can trust Way?

How Much Is Car Insurance in Steilacoom

Avg. Car Insurance in Steilacoom

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Steilacoom

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Steilacoom Car Insurance Rates by Company

Cheap Car Insurance Companies in Steilacoom, WA

Way's key takeaways about car insurance in Steilacoom

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Steilacoom

Cheapest Liability Coverage in Steilacoom, WA

Cheapest Full Coverage Car Insurance in Steilacoom

Cheapest Full Coverage Car Insurance Quotes in Steilacoom, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Steilacoom by Rating Factor

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

Car Insurance Premiums by Age in Steilacoom

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Steilacoom,WA

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

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 Steilacoom

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

Steilacoom Car Insurance Rates by Violation

Steilacoom auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Steilacoom after a DUI

Steilacoom car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Steilacoom after Speeding ticket

Car Insurance Price Trends in Steilacoom, Washington

Average Car Insurance Cost in Steilacoom by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Steilacoom, WA

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

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