Cheapest Car Insurance Quotes in White Center

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White Center 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 White Center

The car insurance rate in White Center is $1006 for a six-month policy, which is $238 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $537, making it a popular choice for budget-conscious drivers. Rates in White Center 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 White Center

$1006

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in White Center

1st place: Kemper

At $537 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $723 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 $747 for six months, making it the third cheapest auto insurance company in White Center.

White Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Center, WA is Kemper, offering policies at just $537 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $723.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $1043 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Center drivers find the best deals.

Cheap Car Insurance Companies in White Center, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$537	$89
Nationwide	$723	$123
Auto-Owners Insurance Co	$747	$124
Chubb	$848	$144
Capital Insurance Group	$863	$144
State Farm	$903	$152
USAA	$934	$157
Progressive	$1003	$169
PEMCO	$1027	$173
American Family	$1058	$178
Travelers	$1144	$193
Farmers	$1214	$204
Allstate	$1416	$238
Granwest P&C	$1758	$299
California Causality	$887	$151
Mutual of Enumclaw	$1043	$177

Key Takeaways

Way's key takeaways about car insurance in White Center

The auto insurance costs in White Center fall around $537 for six months.
The cheapest auto insurance company in White Center is USAA.
Teen drivers pay the highest rate in White Center at $162 per month.

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Cheapest Minimum Liability Car Insurance in White Center

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 White Center are given below.

USAA provides the cheapest minimum car insurance coverage in White Center. Their Average 6 Month Premium is $249. California Causality is the most expensive at $312 for the same period.

Cheapest Liability Coverage in White Center, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$249	$42
California Casualty	$280	$47
Granwest P&C	$288	$48
PEMCO	$296	$50
Auto-Owners Insurance Co	$304	$51
Chubb	$358	$60
Travelers	$365	$62
Nationwide	$373	$63
Capital Insurance Group	$397	$66
State Farm	$397	$67
Progressive	$413	$69
American Family	$466	$79
Mutual of Enumclaw	$474	$79
Farmers	$498	$84
Allstate	$841	$141
Encompass	$272	$46
Grange	$280	$47
California Causality	$312	$52

Cheapest Full Coverage Car Insurance in White Center

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 White Center is Kemper at $89 per month and $537 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Center, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$537	$89
Nationwide	$723	$123
Auto-Owners Insurance Co	$747	$124
Chubb	$848	$144
Capital Insurance Group	$863	$144
State Farm	$903	$152
USAA	$934	$157
Progressive	$1003	$169
PEMCO	$1027	$173
American Family	$1058	$178
Travelers	$1144	$193
Farmers	$1214	$204
Allstate	$1416	$238
Granwest P&C	$1758	$299
California Causality	$887	$151
Mutual of Enumclaw	$1043	$177

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Average Car Insurance in White Center 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 White Center, WA increasing?

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

Car Insurance Premiums by Age in White Center

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	$887
30s	PEMCO	$621
40s	PEMCO	$627
50s	PEMCO	$596
60s	PEMCO	$627
70s	PEMCO	$779

Cheapest Car Insurance Rates for Teen Drivers in White Center,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the White Center at $73 per month. At $958 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$436	$73
Auto-Owners Insurance Co	$444	$76
Chubb	$498	$83
State Farm	$1011	$170
American Family	$1331	$224
Progressive	$1525	$257
USAA	$1603	$270
Pemco	$1634	$275
Farmers	$2319	$390
Allstate	$2676	$451
California Causality	$958	$162

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 White Center.

As young drivers face the highest rates in White Center, PEMCO offers the cheapest auto insurance rates at $887 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 White Center, AutoOwners Insurance Co is the cheapest car insurance provider. At $304 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 White Center is California Causality, offering rates of around $715 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$304	$51
Chubb	$358	$60
Travelers	$365	$62
Nationwide	$428	$71
Kemper	$466	$80
American Family	$709	$119
Progressive	$825	$139
State Farm	$958	$161
Farmers	$1058	$178
Pemco	$1222	$206
USAA	$1260	$215
Allstate	$2522	$421
National General	$514	$85
California Causality	$715	$122

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Car Insurance Rates with An Accident in White Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Center

The cheapest car insurance companies after an at-fault accident in White Center include AutoOwners Insurance Co and Encompass, offering $389 and $444, respectively. California Causality is an expensive provider with an average six-month premium of $537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$389	$66
Encompass	$444	$76
Chubb	$459	$77
Travelers	$553	$93
USAA	$591	$100
Kemper	$646	$110
State Farm	$871	$147
PEMCO	$958	$161
American Family	$1043	$176
Capital Insurance Group	$1151	$195
Progressive	$1377	$232
Farmers	$1487	$250
Allstate	$2397	$403
California Causality	$537	$89

White Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Center WA. For example, the car insurance in White Center after a DUI increases to $1067 for a six month policy. While the rate increases by $304 for a six-month policy in the case of a speeding ticket.

White Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1400	$233
One Med/PIP claim	$1400	$238
Not-at-fault accident	$1448	$241
Two Med/PIP claims	$1448	$246
One comp claim	$1455	$242
Two comp claims	$1517	$258
Failure to show documents	$1673	$279
Child safety restraint	$1689	$287
Driving without lights	$1704	$284
Failure to wear a seat belt	$1704	$290
Speeding 11 - 15 MPH over limit	$1704	$284
Speeding 16 - 20 MPH over limit	$1704	$290
Speeding 6 - 10 MPH over limit	$1704	$284
Driving too slowly	$1720	$292
Driving with expired registration	$1720	$287
Cell phone violation	$1728	$293
Failure to yield	$1728	$288
Improper passing	$1728	$293
Texting while driving	$1728	$288
Wrong way/wrong lane	$1728	$293
Failure to stop at a red light	$1736	$290
Following too closely	$1736	$295
Illegal turn	$1736	$290
Speeding in school zone	$1813	$308
Passing school bus	$1821	$304
At-fault accident - less than $1000	$1844	$313
Speeding 21 - 25 MPH over limit	$1844	$308
Open container	$1852	$314
In 65 MPH zone	$1922	$321
At-fault accident - $1000-$2000	$1993	$339
At-fault accident - greater than $2000	$2000	$333
Operating a vehicle without permission	$2015	$343
Refusal to submit to a chemical test	$2412	$402
Reckless driving	$2420	$411
Driving with a suspended license	$2443	$407
DUI	$2467	$419
Racing	$2552	$426
Leaving scene of an accident/hit and run	$2568	$436

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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 White Center 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 White Center.

The cheapest car insurance premiums in White Center are offered by Chubb at $444 for a six-month policy. However, it can be as expensive as $474 with companies like National General.

White Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$444	$76
Auto-Owners Insurance Co	$561	$93
Travelers	$607	$102
American Family	$871	$147
Progressive	$965	$162
Pemco	$980	$165
USAA	$1074	$181
State Farm	$1128	$190
Farmers	$1541	$259
Allstate	$2272	$383
Grange	$2382	$405
Cal Casualty	$2661	$444
National General	$474	$81

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 White Center are offered by Chubb at $389. However, it can be as expensive as $436 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in White Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$389	$66
Auto-Owners Insurance Co	$405	$69
Travelers	$498	$83
State Farm	$607	$102
American Family	$871	$147
USAA	$950	$161
Pemco	$958	$161
Progressive	$1136	$191
Farmers	$1323	$223
Allstate	$1751	$297
California Causality	$436	$75

Car Insurance Price Trends in White Center, Washington

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

The average cost of full coverage in the White Center rose by $198 in December compared to $194 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the White Center rose to $67 in December, compared to $66 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in White Center?

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

What is the cheapest car insurance in White Center?

The cheapest car insurance in White Center is $89 per month for full coverage.

How much is car insurance in White Center for teenagers?

Car insurance for teenagers costs $436 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 White Center?

The average cost of car insurance is $768 for a six-month policy. It will cost around $169 per month to insure your car in White Center.

Is car insurance expensive in White Center?

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

Cheapest Car Insurance Quotes in White Center

Why you can trust Way?

How Much Is Car Insurance in White Center

Avg. Car Insurance in White Center

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in White Center

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

White Center Car Insurance Rates by Company

Cheap Car Insurance Companies in White Center, WA

Way's key takeaways about car insurance in White Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Center

Cheapest Liability Coverage in White Center, WA

Cheapest Full Coverage Car Insurance in White Center

Cheapest Full Coverage Car Insurance Quotes in White Center, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Center by Rating Factor

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

Car Insurance Premiums by Age in White Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Center,WA

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

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 White Center

Cheapest Car Insurance Companies after an At-Fault Accident in White Center

White Center Car Insurance Rates by Violation

White Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Center after a DUI

White Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Center after Speeding ticket

Car Insurance Price Trends in White Center, Washington

Average Car Insurance Cost in White Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Center, WA

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

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