Cheapest Car Insurance Quotes in Three Lakes

Finding the cheapest car insurance quotes in Three Lakes 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Three Lakes 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 Three Lakes

The car insurance rate in Three Lakes is $814 for a six-month policy, which is $46 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $435, making it a popular choice for budget-conscious drivers. Rates in Three Lakes 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 Three Lakes

$814

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Three Lakes

1st place: Kemper

At $435 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $585 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 $604 for six months, making it the third cheapest auto insurance company in Three Lakes.

Three Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Three Lakes, WA is Kemper, offering policies at just $435 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $585.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Three Lakes drivers find the best deals.

Cheap Car Insurance Companies in Three Lakes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
Nationwide	$585	$100
Auto-Owners Insurance Co	$604	$101
Chubb	$686	$117
Capital Insurance Group	$699	$117
State Farm	$730	$123
USAA	$756	$127
Progressive	$812	$137
PEMCO	$831	$140
American Family	$856	$144
Travelers	$925	$156
Farmers	$983	$165
Allstate	$1146	$193
Granwest P&C	$1423	$242
California Causality	$718	$122
Mutual of Enumclaw	$844	$143

Key Takeaways

Way's key takeaways about car insurance in Three Lakes

The auto insurance costs in Three Lakes fall around $435 for six months.
The cheapest auto insurance company in Three Lakes is USAA.
Teen drivers pay the highest rate in Three Lakes at $131 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 Three Lakes

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 Three Lakes are given below.

USAA provides the cheapest minimum car insurance coverage in Three Lakes. Their Average 6 Month Premium is $201. California Causality is the most expensive at $252 for the same period.

Cheapest Liability Coverage in Three Lakes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$201	$34
California Casualty	$227	$38
Granwest P&C	$233	$39
PEMCO	$240	$40
Auto-Owners Insurance Co	$246	$41
Chubb	$289	$49
Travelers	$296	$50
Nationwide	$302	$51
Capital Insurance Group	$321	$53
State Farm	$321	$54
Progressive	$334	$56
American Family	$377	$64
Mutual of Enumclaw	$384	$64
Farmers	$403	$68
Allstate	$681	$114
Encompass	$220	$37
Grange	$227	$38
California Causality	$252	$42

Cheapest Full Coverage Car Insurance in Three Lakes

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 Three Lakes is Kemper at $72 per month and $435 for six months.

Cheapest Full Coverage Car Insurance Quotes in Three Lakes, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
Nationwide	$585	$100
Auto-Owners Insurance Co	$604	$101
Chubb	$686	$117
Capital Insurance Group	$699	$117
State Farm	$730	$123
USAA	$756	$127
Progressive	$812	$137
PEMCO	$831	$140
American Family	$856	$144
Travelers	$925	$156
Farmers	$983	$165
Allstate	$1146	$193
Granwest P&C	$1423	$242
California Causality	$718	$122
Mutual of Enumclaw	$844	$143

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Three Lakes Instantly!

Average Car Insurance in Three Lakes 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 Three Lakes, WA increasing?

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

Car Insurance Premiums by Age in Three Lakes

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	$718
30s	PEMCO	$502
40s	PEMCO	$508
50s	PEMCO	$482
60s	PEMCO	$508
70s	PEMCO	$631

Cheapest Car Insurance Rates for Teen Drivers in Three Lakes,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Three Lakes at $59 per month. At $775 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$353	$59
Auto-Owners Insurance Co	$359	$61
Chubb	$403	$67
State Farm	$818	$138
American Family	$1077	$181
Progressive	$1234	$208
USAA	$1297	$218
Pemco	$1322	$223
Farmers	$1876	$316
Allstate	$2166	$365
California Causality	$775	$131

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 Three Lakes.

As young drivers face the highest rates in Three Lakes, PEMCO offers the cheapest auto insurance rates at $718 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 Three Lakes, AutoOwners Insurance Co is the cheapest car insurance provider. At $246 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 Three Lakes is California Causality, offering rates of around $579 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$246	$41
Chubb	$289	$49
Travelers	$296	$50
Nationwide	$347	$57
Kemper	$377	$65
American Family	$573	$96
Progressive	$668	$112
State Farm	$775	$130
Farmers	$856	$144
Pemco	$989	$166
USAA	$1020	$174
Allstate	$2041	$340
National General	$416	$69
California Causality	$579	$99

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Three Lakes.

Car Insurance Rates with An Accident in Three Lakes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Three Lakes

The cheapest car insurance companies after an at-fault accident in Three Lakes include AutoOwners Insurance Co and Encompass, offering $315 and $359, respectively. California Causality is an expensive provider with an average six-month premium of $435.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$315	$53
Encompass	$359	$61
Chubb	$371	$63
Travelers	$447	$75
USAA	$478	$81
Kemper	$523	$89
State Farm	$705	$119
PEMCO	$775	$130
American Family	$844	$142
Capital Insurance Group	$932	$158
Progressive	$1114	$188
Farmers	$1203	$202
Allstate	$1940	$326
California Causality	$435	$72

Three Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Three Lakes WA. For example, the car insurance in Three Lakes after a DUI increases to $863 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Three Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1133	$189
One Med/PIP claim	$1133	$193
Not-at-fault accident	$1171	$195
Two Med/PIP claims	$1171	$199
One comp claim	$1178	$196
Two comp claims	$1227	$209
Failure to show documents	$1354	$226
Child safety restraint	$1366	$232
Driving without lights	$1379	$230
Failure to wear a seat belt	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Speeding 6 - 10 MPH over limit	$1379	$230
Driving too slowly	$1392	$236
Driving with expired registration	$1392	$232
Cell phone violation	$1398	$237
Failure to yield	$1398	$233
Improper passing	$1398	$237
Texting while driving	$1398	$233
Wrong way/wrong lane	$1398	$237
Failure to stop at a red light	$1405	$234
Following too closely	$1405	$239
Illegal turn	$1405	$234
Speeding in school zone	$1467	$249
Passing school bus	$1473	$246
At-fault accident - less than $1000	$1492	$253
Speeding 21 - 25 MPH over limit	$1492	$249
Open container	$1499	$254
In 65 MPH zone	$1555	$260
At-fault accident - $1000-$2000	$1612	$275
At-fault accident - greater than $2000	$1619	$269
Operating a vehicle without permission	$1630	$278
Refusal to submit to a chemical test	$1951	$325
Reckless driving	$1958	$333
Driving with a suspended license	$1977	$330
DUI	$1996	$339
Racing	$2065	$345
Leaving scene of an accident/hit and run	$2078	$353

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Three Lakes 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 Three Lakes.

The cheapest car insurance premiums in Three Lakes are offered by Chubb at $359 for a six-month policy. However, it can be as expensive as $384 with companies like National General.

Three Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$359	$61
Auto-Owners Insurance Co	$454	$75
Travelers	$491	$83
American Family	$705	$119
Progressive	$781	$131
Pemco	$793	$134
USAA	$869	$146
State Farm	$913	$154
Farmers	$1247	$210
Allstate	$1838	$310
Grange	$1927	$328
Cal Casualty	$2153	$359
National General	$384	$66

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 Three Lakes are offered by Chubb at $315. However, it can be as expensive as $353 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Three Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$53
Auto-Owners Insurance Co	$328	$56
Travelers	$403	$67
State Farm	$491	$83
American Family	$705	$119
USAA	$769	$130
Pemco	$775	$130
Progressive	$919	$155
Farmers	$1071	$180
Allstate	$1417	$241
California Causality	$353	$60

Car Insurance Price Trends in Three Lakes, Washington

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

The average cost of full coverage in the Three Lakes rose by $160 in December compared to $157 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Three Lakes rose to $54 in December, compared to $53 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Three Lakes?

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

What is the cheapest car insurance in Three Lakes?

The cheapest car insurance in Three Lakes is $72 per month for full coverage.

How much is car insurance in Three Lakes for teenagers?

Car insurance for teenagers costs $353 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 Three Lakes?

The average cost of car insurance is $768 for a six-month policy. It will cost around $137 per month to insure your car in Three Lakes.

Is car insurance expensive in Three Lakes?

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

Cheapest Car Insurance Quotes in Three Lakes

Why you can trust Way?

How Much Is Car Insurance in Three Lakes

Avg. Car Insurance in Three Lakes

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Three Lakes

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Three Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Three Lakes, WA

Way's key takeaways about car insurance in Three Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Three Lakes

Cheapest Liability Coverage in Three Lakes, WA

Cheapest Full Coverage Car Insurance in Three Lakes

Cheapest Full Coverage Car Insurance Quotes in Three Lakes, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Three Lakes by Rating Factor

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

Car Insurance Premiums by Age in Three Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Three Lakes,WA

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

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 Three Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Three Lakes

Three Lakes Car Insurance Rates by Violation

Three Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Three Lakes after a DUI

Three Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Three Lakes after Speeding ticket

Car Insurance Price Trends in Three Lakes, Washington

Average Car Insurance Cost in Three Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Three Lakes, WA

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

Featured Blogs

Data Sources