Cheapest Car Insurance Quotes in Town and Country

Finding the cheapest car insurance quotes in Town and Country 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

Town and Country 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 Town and Country

The car insurance rate in Town and Country is $753 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Town and Country 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 Town and Country

$753

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Town and Country

1st place: Kemper

At $402 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $541 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 $559 for six months, making it the third cheapest auto insurance company in Town and Country.

Town and Country Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Town and Country, WA is Kemper, offering policies at just $402 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $541.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $780 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Town and Country drivers find the best deals.

Cheap Car Insurance Companies in Town and Country, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$402	$67
Nationwide	$541	$92
Auto-Owners Insurance Co	$559	$93
Chubb	$634	$108
Capital Insurance Group	$646	$108
State Farm	$675	$114
USAA	$699	$118
Progressive	$751	$126
PEMCO	$768	$129
American Family	$792	$133
Travelers	$856	$144
Farmers	$908	$153
Allstate	$1059	$178
Granwest P&C	$1315	$223
California Causality	$663	$113
Mutual of Enumclaw	$780	$132

Key Takeaways

Way's key takeaways about car insurance in Town and Country

The auto insurance costs in Town and Country fall around $402 for six months.
The cheapest auto insurance company in Town and Country is USAA.
Teen drivers pay the highest rate in Town and Country at $122 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 Town and Country

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 Town and Country are given below.

USAA provides the cheapest minimum car insurance coverage in Town and Country. Their Average 6 Month Premium is $186. California Causality is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Town and Country, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
California Casualty	$210	$35
Granwest P&C	$216	$36
PEMCO	$221	$37
Auto-Owners Insurance Co	$227	$38
Chubb	$268	$45
Travelers	$273	$46
Nationwide	$279	$47
Capital Insurance Group	$297	$49
State Farm	$297	$50
Progressive	$309	$52
American Family	$349	$59
Mutual of Enumclaw	$355	$59
Farmers	$372	$63
Allstate	$629	$106
Encompass	$204	$34
Grange	$210	$35
California Causality	$233	$39

Cheapest Full Coverage Car Insurance in Town and Country

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 Town and Country is Kemper at $67 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Town and Country, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$402	$67
Nationwide	$541	$92
Auto-Owners Insurance Co	$559	$93
Chubb	$634	$108
Capital Insurance Group	$646	$108
State Farm	$675	$114
USAA	$699	$118
Progressive	$751	$126
PEMCO	$768	$129
American Family	$792	$133
Travelers	$856	$144
Farmers	$908	$153
Allstate	$1059	$178
Granwest P&C	$1315	$223
California Causality	$663	$113
Mutual of Enumclaw	$780	$132

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Town and Country Instantly!

Average Car Insurance in Town and Country 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 Town and Country, WA increasing?

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

Car Insurance Premiums by Age in Town and Country

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	$663
30s	PEMCO	$465
40s	PEMCO	$469
50s	PEMCO	$446
60s	PEMCO	$469
70s	PEMCO	$583

Cheapest Car Insurance Rates for Teen Drivers in Town and Country,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Town and Country at $55 per month. At $716 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$326	$55
Auto-Owners Insurance Co	$332	$57
Chubb	$372	$62
State Farm	$757	$127
American Family	$996	$168
Progressive	$1141	$192
USAA	$1200	$202
Pemco	$1222	$206
Farmers	$1735	$292
Allstate	$2002	$337
California Causality	$716	$122

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 Town and Country.

As young drivers face the highest rates in Town and Country, PEMCO offers the cheapest auto insurance rates at $663 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 Town and Country, AutoOwners Insurance Co is the cheapest car insurance provider. At $227 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 Town and Country is California Causality, offering rates of around $535 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Chubb	$268	$45
Travelers	$273	$46
Nationwide	$320	$53
Kemper	$349	$60
American Family	$530	$89
Progressive	$617	$104
State Farm	$716	$121
Farmers	$792	$133
Pemco	$914	$154
USAA	$943	$161
Allstate	$1887	$315
National General	$384	$64
California Causality	$535	$91

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Town and Country.

Car Insurance Rates with An Accident in Town and Country

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 Town and Country, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Town and Country

The cheapest car insurance companies after an at-fault accident in Town and Country include AutoOwners Insurance Co and Encompass, offering $291 and $332, respectively. California Causality is an expensive provider with an average six-month premium of $402.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$49
Encompass	$332	$57
Chubb	$343	$58
Travelers	$414	$70
USAA	$442	$74
Kemper	$483	$82
State Farm	$652	$110
PEMCO	$716	$121
American Family	$780	$131
Capital Insurance Group	$861	$146
Progressive	$1030	$173
Farmers	$1112	$187
Allstate	$1793	$302
California Causality	$402	$67

Town and Country Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Town and Country WA. For example, the car insurance in Town and Country after a DUI increases to $797 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Town and Country auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1048	$174
One Med/PIP claim	$1048	$178
Not-at-fault accident	$1083	$180
Two Med/PIP claims	$1083	$184
One comp claim	$1089	$181
Two comp claims	$1135	$193
Failure to show documents	$1251	$209
Child safety restraint	$1263	$215
Driving without lights	$1275	$213
Failure to wear a seat belt	$1275	$217
Speeding 11 - 15 MPH over limit	$1275	$213
Speeding 16 - 20 MPH over limit	$1275	$217
Speeding 6 - 10 MPH over limit	$1275	$213
Driving too slowly	$1287	$219
Driving with expired registration	$1287	$215
Cell phone violation	$1293	$220
Failure to yield	$1293	$216
Improper passing	$1293	$220
Texting while driving	$1293	$216
Wrong way/wrong lane	$1293	$220
Failure to stop at a red light	$1299	$217
Following too closely	$1299	$221
Illegal turn	$1299	$217
Speeding in school zone	$1356	$230
Passing school bus	$1362	$227
At-fault accident - less than $1000	$1380	$234
Speeding 21 - 25 MPH over limit	$1380	$230
Open container	$1386	$235
In 65 MPH zone	$1438	$240
At-fault accident - $1000-$2000	$1491	$254
At-fault accident - greater than $2000	$1496	$249
Operating a vehicle without permission	$1507	$257
Refusal to submit to a chemical test	$1804	$301
Reckless driving	$1810	$308
Driving with a suspended license	$1828	$305
DUI	$1845	$314
Racing	$1909	$319
Leaving scene of an accident/hit and run	$1921	$326

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 Town and Country 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 Town and Country.

The cheapest car insurance premiums in Town and Country are offered by Chubb at $332 for a six-month policy. However, it can be as expensive as $355 with companies like National General.

Town and Country car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$332	$57
Auto-Owners Insurance Co	$419	$70
Travelers	$454	$76
American Family	$652	$110
Progressive	$722	$122
Pemco	$733	$123
USAA	$804	$135
State Farm	$844	$142
Farmers	$1152	$194
Allstate	$1699	$286
Grange	$1782	$303
Cal Casualty	$1990	$332
National General	$355	$61

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 Town and Country are offered by Chubb at $291. However, it can be as expensive as $326 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Town and Country after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$49
Auto-Owners Insurance Co	$303	$52
Travelers	$372	$62
State Farm	$454	$76
American Family	$652	$110
USAA	$711	$121
Pemco	$716	$121
Progressive	$850	$143
Farmers	$990	$167
Allstate	$1310	$222
California Causality	$326	$56

Car Insurance Price Trends in Town and Country, Washington

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

The average cost of full coverage in the Town and Country rose by $148 in December compared to $145 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 Town and Country rose to $50 in December, compared to $49 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 Town and Country?

The car insurance in Town and Country is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Town and Country?

The cheapest car insurance in Town and Country is $67 per month for full coverage.

How much is car insurance in Town and Country for teenagers?

Car insurance for teenagers costs $326 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 Town and Country?

The average cost of car insurance is $768 for a six-month policy. It will cost around $126 per month to insure your car in Town and Country.

Is car insurance expensive in Town and Country?

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

Cheapest Car Insurance Quotes in Town and Country

Why you can trust Way?

How Much Is Car Insurance in Town and Country

Avg. Car Insurance in Town and Country

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Town and Country

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Town and Country Car Insurance Rates by Company

Cheap Car Insurance Companies in Town and Country, WA

Way's key takeaways about car insurance in Town and Country

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Town and Country

Cheapest Liability Coverage in Town and Country, WA

Cheapest Full Coverage Car Insurance in Town and Country

Cheapest Full Coverage Car Insurance Quotes in Town and Country, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Town and Country by Rating Factor

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

Car Insurance Premiums by Age in Town and Country

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Town and Country,WA

If you are in your twenties PEMCO is the best choice for car insurance in Town and Country.

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 Town and Country

Cheapest Car Insurance Companies after an At-Fault Accident in Town and Country

Town and Country Car Insurance Rates by Violation

Town and Country auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Town and Country after a DUI

Town and Country car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Town and Country after Speeding ticket

Car Insurance Price Trends in Town and Country, Washington

Average Car Insurance Cost in Town and Country by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Town and Country, WA

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

Featured Blogs

Data Sources