Cheapest Car Insurance Quotes in Town and Country

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Town and Country Car Insurance

^$ 35

/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 $880 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, 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

$880

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Town and Country

1st place: Kemper

At $394 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $530 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 $547 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 $394 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $530.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2321 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	$394	$65
Nationwide	$530	$90
Auto-Owners Insurance Co	$547	$91
Chubb	$621	$106
Capital Insurance Group	$633	$106
USAA	$741	$125
Mutual of Enumclaw	$781	$131
American Family	$799	$134
State Farm	$799	$134
Progressive	$815	$137
PEMCO	$878	$148
Travelers	$884	$149
Farmers	$970	$163
Allstate	$1094	$184
Granwest P&C	$1288	$215
Sentry	$2321	$395

Key Takeaways

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

The auto insurance costs in Town and Country fall around $394 for six months.
The cheapest auto insurance company in Town and Country is California Casualty.
Teen drivers pay the highest rate in Town and Country at $654 per month.

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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.

California Casualty provides the cheapest minimum car insurance coverage in Town and Country. Their Average 6 Month Premium is $205. Grange is the most expensive at $205 for the same period.

Cheapest Liability Coverage in Town and Country, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$205	$35
USAA	$205	$35
Granwest P&C	$211	$36
Auto-Owners Insurance Co	$223	$37
Chubb	$262	$44
Nationwide	$274	$46
PEMCO	$274	$46
Capital Insurance Group	$291	$50
Progressive	$297	$50
American Family	$302	$52
Mutual of Enumclaw	$325	$55
State Farm	$325	$55
Travelers	$331	$56
Farmers	$388	$65
Allstate	$644	$108
Sentry	$667	$113
Encompass	$200	$34
Grange	$205	$35

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 $65 per month and $394 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Nationwide	$530	$90
Auto-Owners Insurance Co	$547	$91
Chubb	$621	$106
Capital Insurance Group	$633	$106
USAA	$741	$125
Mutual of Enumclaw	$781	$131
American Family	$799	$134
State Farm	$799	$134
Progressive	$815	$137
PEMCO	$878	$148
Travelers	$884	$149
Farmers	$970	$163
Allstate	$1094	$184
Granwest P&C	$1288	$215
Sentry	$2321	$395

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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	$650
30s	PEMCO	$455
40s	PEMCO	$460
50s	PEMCO	$437
60s	PEMCO	$460
70s	PEMCO	$571

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, American Family provides the cheapest car insurance in the Town and Country at $54 per month. At $3924 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$54
Auto-Owners Insurance Co	$325	$54
Chubb	$365	$62
Travelers	$1072	$180
State Farm	$1135	$191
USAA	$1317	$222
Pemco	$1620	$273
Farmers	$1956	$329
Mutual of Enumclaw	$1979	$336
Progressive	$2161	$364
Allstate	$2246	$378
Sentry	$3924	$654

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 $650 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 $223 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 Sentry, offering rates of around $2321 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$223	$37
Chubb	$262	$44
American Family	$302	$52
Nationwide	$314	$52
Kemper	$342	$59
Farmers	$890	$150
Travelers	$947	$159
State Farm	$1123	$189
Progressive	$1129	$190
USAA	$1158	$193
Pemco	$1323	$223
Mutual of Enumclaw	$1357	$227
Allstate	$2122	$361
Sentry	$2321	$387

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 $285 and $325, respectively. Sentry is an expensive provider with an average six-month premium of $4032.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$285	$48
Encompass	$325	$56
Chubb	$336	$57
American Family	$365	$62
Kemper	$473	$79
USAA	$508	$85
Travelers	$741	$125
State Farm	$758	$128
PEMCO	$827	$139
Capital Insurance Group	$844	$143
Mutual of Enumclaw	$1055	$176
Progressive	$1123	$189
Farmers	$1197	$202
Allstate	$1956	$329
Sentry	$4032	$672

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 $782 for a six month policy. While the rate increases by $223 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	$1026	$171
One Med/PIP claim	$1026	$175
Not-at-fault accident	$1061	$177
Two Med/PIP claims	$1061	$180
One comp claim	$1067	$178
Two comp claims	$1112	$189
Failure to show documents	$1226	$204
Child safety restraint	$1237	$210
Driving without lights	$1249	$208
Failure to wear a seat belt	$1249	$212
Speeding 11 - 15 MPH over limit	$1249	$208
Speeding 16 - 20 MPH over limit	$1249	$212
Speeding 6 - 10 MPH over limit	$1249	$208
Driving too slowly	$1260	$214
Driving with expired registration	$1260	$210
Cell phone violation	$1266	$215
Failure to yield	$1266	$211
Improper passing	$1266	$215
Texting while driving	$1266	$211
Wrong way/wrong lane	$1266	$215
Failure to stop at a red light	$1272	$212
Following too closely	$1272	$216
Illegal turn	$1272	$212
Speeding in school zone	$1329	$226
Passing school bus	$1334	$223
At-fault accident - less than $1000	$1352	$229
Speeding 21 - 25 MPH over limit	$1352	$226
Open container	$1357	$230
In 65 MPH zone	$1408	$235
At-fault accident - $1000-$2000	$1460	$249
At-fault accident - greater than $2000	$1466	$244
Operating a vehicle without permission	$1476	$252
Refusal to submit to a chemical test	$1767	$295
Reckless driving	$1773	$301
Driving with a suspended license	$1790	$299
DUI	$1808	$307
Racing	$1870	$312
Leaving scene of an accident/hit and run	$1882	$320

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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 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 $325 for a six-month policy. However, it can be as expensive as $3057 with companies like Sentry.

Town and Country car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$325	$56
American Family	$359	$60
Auto-Owners Insurance Co	$411	$70
Travelers	$781	$132
Progressive	$787	$132
USAA	$867	$146
Pemco	$958	$161
State Farm	$1044	$176
Farmers	$1220	$205
Mutual of Enumclaw	$1363	$228
Grange	$1745	$297
Allstate	$1785	$300
Cal Casualty	$1950	$331
Sentry	$3057	$510

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 $285. However, it can be as expensive as $3735 with companies like Sentry 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	$285	$49
Auto-Owners Insurance Co	$297	$49
American Family	$359	$61
State Farm	$667	$112
Travelers	$815	$137
USAA	$896	$149
Mutual of Enumclaw	$952	$162
Pemco	$993	$167
Progressive	$1015	$171
Farmers	$1117	$188
Allstate	$1716	$292
Sentry	$3735	$622

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 $187 in January compared to $145 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Town and Country rose to $54 in January, compared to $49 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Town and Country?

The car insurance in Town and Country is $35 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 $65 per month for full coverage.

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

Car insurance for teenagers costs $314 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 $917 for a six-month policy. It will cost around $148 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)

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Data Sources