Cheapest Car Insurance Quotes in Sudden Valley

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Sudden Valley Car Insurance

^$ 31

/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 Sudden Valley

The car insurance rate in Sudden Valley is $789 for a six-month policy, which is $128 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Sudden Valley 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 Sudden Valley

$789

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Sudden Valley

1st place: Kemper

At $353 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $475 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 $490 for six months, making it the third cheapest auto insurance company in Sudden Valley.

Sudden Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sudden Valley, WA is Kemper, offering policies at just $353 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $475.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2079 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sudden Valley drivers find the best deals.

Cheap Car Insurance Companies in Sudden Valley, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$58
Nationwide	$475	$81
Auto-Owners Insurance Co	$490	$82
Chubb	$556	$95
Capital Insurance Group	$567	$95
USAA	$664	$112
Mutual of Enumclaw	$700	$117
American Family	$716	$120
State Farm	$716	$120
Progressive	$730	$123
PEMCO	$787	$132
Travelers	$792	$133
Farmers	$869	$146
Allstate	$980	$165
Granwest P&C	$1154	$193
Sentry	$2079	$353

Key Takeaways

Way's key takeaways about car insurance in Sudden Valley

The auto insurance costs in Sudden Valley fall around $353 for six months.
The cheapest auto insurance company in Sudden Valley is California Casualty.
Teen drivers pay the highest rate in Sudden Valley at $586 per month.

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Cheapest Minimum Liability Car Insurance in Sudden Valley

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 Sudden Valley are given below.

California Casualty provides the cheapest minimum car insurance coverage in Sudden Valley. Their Average 6 Month Premium is $184. Grange is the most expensive at $184 for the same period.

Cheapest Liability Coverage in Sudden Valley, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$184	$31
USAA	$184	$31
Granwest P&C	$189	$32
Auto-Owners Insurance Co	$200	$34
Chubb	$235	$40
Nationwide	$245	$41
PEMCO	$245	$41
Capital Insurance Group	$261	$45
Progressive	$266	$45
American Family	$271	$46
Mutual of Enumclaw	$292	$49
State Farm	$292	$49
Travelers	$297	$50
Farmers	$347	$58
Allstate	$577	$97
Sentry	$598	$101
Encompass	$179	$30
Grange	$184	$31

Cheapest Full Coverage Car Insurance in Sudden Valley

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 Sudden Valley is Kemper at $58 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sudden Valley, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$58
Nationwide	$475	$81
Auto-Owners Insurance Co	$490	$82
Chubb	$556	$95
Capital Insurance Group	$567	$95
USAA	$664	$112
Mutual of Enumclaw	$700	$117
American Family	$716	$120
State Farm	$716	$120
Progressive	$730	$123
PEMCO	$787	$132
Travelers	$792	$133
Farmers	$869	$146
Allstate	$980	$165
Granwest P&C	$1154	$193
Sentry	$2079	$353

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Average Car Insurance in Sudden Valley 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 Sudden Valley, WA increasing?

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

Car Insurance Premiums by Age in Sudden Valley

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	$582
30s	PEMCO	$408
40s	PEMCO	$412
50s	PEMCO	$391
60s	PEMCO	$412
70s	PEMCO	$512

Cheapest Car Insurance Rates for Teen Drivers in Sudden Valley,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Sudden Valley at $48 per month. At $3515 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$281	$48
Auto-Owners Insurance Co	$292	$48
Chubb	$327	$56
Travelers	$961	$162
State Farm	$1017	$171
USAA	$1180	$199
Pemco	$1451	$244
Farmers	$1752	$295
Mutual of Enumclaw	$1772	$301
Progressive	$1936	$326
Allstate	$2012	$339
Sentry	$3515	$586

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 Sudden Valley.

As young drivers face the highest rates in Sudden Valley, PEMCO offers the cheapest auto insurance rates at $582 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 Sudden Valley, AutoOwners Insurance Co is the cheapest car insurance provider. At $200 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 Sudden Valley is Sentry, offering rates of around $2079 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$200	$34
Chubb	$235	$40
American Family	$271	$46
Nationwide	$281	$46
Kemper	$306	$52
Farmers	$797	$134
Travelers	$848	$143
State Farm	$1006	$169
Progressive	$1011	$170
USAA	$1037	$173
Pemco	$1185	$200
Mutual of Enumclaw	$1216	$203
Allstate	$1901	$323
Sentry	$2079	$347

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Sudden Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sudden Valley

The cheapest car insurance companies after an at-fault accident in Sudden Valley include AutoOwners Insurance Co and Encompass, offering $255 and $292, respectively. Sentry is an expensive provider with an average six-month premium of $3612.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Encompass	$292	$50
Chubb	$301	$51
American Family	$327	$56
Kemper	$424	$71
USAA	$455	$77
Travelers	$664	$112
State Farm	$679	$114
PEMCO	$740	$125
Capital Insurance Group	$756	$128
Mutual of Enumclaw	$945	$157
Progressive	$1006	$169
Farmers	$1072	$181
Allstate	$1752	$295
Sentry	$3612	$602

Sudden Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sudden Valley WA. For example, the car insurance in Sudden Valley after a DUI increases to $700 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Sudden Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$919	$153
One Med/PIP claim	$919	$157
Not-at-fault accident	$950	$158
Two Med/PIP claims	$950	$162
One comp claim	$955	$159
Two comp claims	$996	$169
Failure to show documents	$1098	$183
Child safety restraint	$1109	$188
Driving without lights	$1119	$187
Failure to wear a seat belt	$1119	$190
Speeding 11 - 15 MPH over limit	$1119	$187
Speeding 16 - 20 MPH over limit	$1119	$190
Speeding 6 - 10 MPH over limit	$1119	$187
Driving too slowly	$1129	$192
Driving with expired registration	$1129	$188
Cell phone violation	$1134	$193
Failure to yield	$1134	$189
Improper passing	$1134	$193
Texting while driving	$1134	$189
Wrong way/wrong lane	$1134	$193
Failure to stop at a red light	$1140	$190
Following too closely	$1140	$194
Illegal turn	$1140	$190
Speeding in school zone	$1190	$202
Passing school bus	$1195	$200
At-fault accident - less than $1000	$1211	$206
Speeding 21 - 25 MPH over limit	$1211	$202
Open container	$1216	$206
In 65 MPH zone	$1262	$211
At-fault accident - $1000-$2000	$1308	$223
At-fault accident - greater than $2000	$1313	$218
Operating a vehicle without permission	$1323	$225
Refusal to submit to a chemical test	$1583	$264
Reckless driving	$1588	$270
Driving with a suspended license	$1604	$267
DUI	$1619	$275
Racing	$1675	$280
Leaving scene of an accident/hit and run	$1686	$286

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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 Sudden Valley 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 Sudden Valley.

The cheapest car insurance premiums in Sudden Valley are offered by Chubb at $292 for a six-month policy. However, it can be as expensive as $2738 with companies like Sentry.

Sudden Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$292	$50
American Family	$322	$53
Auto-Owners Insurance Co	$368	$63
Travelers	$700	$118
Progressive	$705	$119
USAA	$777	$131
Pemco	$858	$144
State Farm	$935	$157
Farmers	$1093	$184
Mutual of Enumclaw	$1221	$204
Grange	$1563	$266
Allstate	$1599	$269
Cal Casualty	$1747	$297
Sentry	$2738	$457

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 Sudden Valley are offered by Chubb at $255. However, it can be as expensive as $3346 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Sudden Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$255	$44
Auto-Owners Insurance Co	$266	$44
American Family	$322	$55
State Farm	$598	$101
Travelers	$730	$123
USAA	$802	$133
Mutual of Enumclaw	$853	$145
Pemco	$889	$150
Progressive	$909	$153
Farmers	$1001	$169
Allstate	$1538	$261
Sentry	$3346	$557

Car Insurance Price Trends in Sudden Valley, Washington

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

The average cost of full coverage in the Sudden Valley rose by $168 in January compared to $130 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Sudden Valley rose to $48 in January, compared to $44 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sudden Valley?

The car insurance in Sudden Valley is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Sudden Valley?

The cheapest car insurance in Sudden Valley is $58 per month for full coverage.

How much is car insurance in Sudden Valley for teenagers?

Car insurance for teenagers costs $281 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 Sudden Valley?

The average cost of car insurance is $917 for a six-month policy. It will cost around $132 per month to insure your car in Sudden Valley.

Is car insurance expensive in Sudden Valley?

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

Cheapest Car Insurance Quotes in Sudden Valley

Why you can trust Way?

How Much Is Car Insurance in Sudden Valley

Avg. Car Insurance in Sudden Valley

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Sudden Valley

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Sudden Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Sudden Valley, WA

Way's key takeaways about car insurance in Sudden Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sudden Valley

Cheapest Liability Coverage in Sudden Valley, WA

Cheapest Full Coverage Car Insurance in Sudden Valley

Cheapest Full Coverage Car Insurance Quotes in Sudden Valley, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sudden Valley by Rating Factor

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

Car Insurance Premiums by Age in Sudden Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sudden Valley,WA

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

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 Sudden Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Sudden Valley

Sudden Valley Car Insurance Rates by Violation

Sudden Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sudden Valley after a DUI

Sudden Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sudden Valley after Speeding ticket

Car Insurance Price Trends in Sudden Valley, Washington

Average Car Insurance Cost in Sudden Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sudden Valley, WA

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

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