Cheapest Car Insurance Quotes in White Salmon

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White Salmon Car Insurance

^$ 29

/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 Salmon

The car insurance rate in White Salmon is $707 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in White Salmon 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 Salmon

$707

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in White Salmon

1st place: Kemper

At $377 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $508 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 $524 for six months, making it the third cheapest auto insurance company in White Salmon.

White Salmon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Salmon, WA is Kemper, offering policies at just $377 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $508.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $732 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Salmon drivers find the best deals.

Cheap Car Insurance Companies in White Salmon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$377	$63
Nationwide	$508	$86
Auto-Owners Insurance Co	$524	$87
Chubb	$595	$101
Capital Insurance Group	$606	$101
State Farm	$634	$107
USAA	$656	$110
Progressive	$705	$119
PEMCO	$721	$121
American Family	$743	$125
Travelers	$803	$135
Farmers	$853	$144
Allstate	$995	$167
Granwest P&C	$1235	$210
California Causality	$623	$106
Mutual of Enumclaw	$732	$124

Key Takeaways

Way's key takeaways about car insurance in White Salmon

The auto insurance costs in White Salmon fall around $377 for six months.
The cheapest auto insurance company in White Salmon is USAA.
Teen drivers pay the highest rate in White Salmon at $114 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in White Salmon

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 Salmon are given below.

USAA provides the cheapest minimum car insurance coverage in White Salmon. Their Average 6 Month Premium is $175. California Causality is the most expensive at $219 for the same period.

Cheapest Liability Coverage in White Salmon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$29
California Casualty	$197	$33
Granwest P&C	$202	$34
PEMCO	$208	$35
Auto-Owners Insurance Co	$213	$36
Chubb	$251	$42
Travelers	$257	$43
Nationwide	$262	$44
Capital Insurance Group	$279	$46
State Farm	$279	$47
Progressive	$290	$49
American Family	$328	$55
Mutual of Enumclaw	$333	$55
Farmers	$350	$59
Allstate	$591	$99
Encompass	$191	$32
Grange	$197	$33
California Causality	$219	$37

Cheapest Full Coverage Car Insurance in White Salmon

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 Salmon is Kemper at $63 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Salmon, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$377	$63
Nationwide	$508	$86
Auto-Owners Insurance Co	$524	$87
Chubb	$595	$101
Capital Insurance Group	$606	$101
State Farm	$634	$107
USAA	$656	$110
Progressive	$705	$119
PEMCO	$721	$121
American Family	$743	$125
Travelers	$803	$135
Farmers	$853	$144
Allstate	$995	$167
Granwest P&C	$1235	$210
California Causality	$623	$106
Mutual of Enumclaw	$732	$124

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Average Car Insurance in White Salmon 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 Salmon, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in White Salmon, 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 Salmon'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 Salmon

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	$623
30s	PEMCO	$436
40s	PEMCO	$441
50s	PEMCO	$419
60s	PEMCO	$441
70s	PEMCO	$547

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the White Salmon at $52 per month. At $673 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$306	$52
Auto-Owners Insurance Co	$312	$53
Chubb	$350	$58
State Farm	$710	$120
American Family	$935	$157
Progressive	$1071	$180
USAA	$1126	$190
Pemco	$1147	$193
Farmers	$1628	$274
Allstate	$1880	$316
California Causality	$673	$114

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 Salmon.

As young drivers face the highest rates in White Salmon, PEMCO offers the cheapest auto insurance rates at $623 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 Salmon, AutoOwners Insurance Co is the cheapest car insurance provider. At $213 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 Salmon is California Causality, offering rates of around $502 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$213	$36
Chubb	$251	$42
Travelers	$257	$43
Nationwide	$301	$50
Kemper	$328	$56
American Family	$498	$84
Progressive	$580	$98
State Farm	$673	$113
Farmers	$743	$125
Pemco	$858	$144
USAA	$885	$151
Allstate	$1771	$295
National General	$361	$60
California Causality	$502	$86

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Save up to $971/yr on car insurance rates in White Salmon.

Car Insurance Rates with An Accident in White Salmon

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

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

The cheapest car insurance companies after an at-fault accident in White Salmon include AutoOwners Insurance Co and Encompass, offering $273 and $312, respectively. California Causality is an expensive provider with an average six-month premium of $377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$273	$46
Encompass	$312	$53
Chubb	$322	$54
Travelers	$388	$65
USAA	$415	$70
Kemper	$454	$77
State Farm	$612	$103
PEMCO	$673	$113
American Family	$732	$123
Capital Insurance Group	$809	$137
Progressive	$967	$163
Farmers	$1044	$176
Allstate	$1684	$283
California Causality	$377	$63

White Salmon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Salmon WA. For example, the car insurance in White Salmon after a DUI increases to $749 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

White Salmon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$983	$164
One Med/PIP claim	$983	$167
Not-at-fault accident	$1017	$169
Two Med/PIP claims	$1017	$173
One comp claim	$1022	$170
Two comp claims	$1065	$181
Failure to show documents	$1175	$196
Child safety restraint	$1186	$201
Driving without lights	$1197	$200
Failure to wear a seat belt	$1197	$203
Speeding 11 - 15 MPH over limit	$1197	$200
Speeding 16 - 20 MPH over limit	$1197	$203
Speeding 6 - 10 MPH over limit	$1197	$200
Driving too slowly	$1208	$205
Driving with expired registration	$1208	$201
Cell phone violation	$1213	$206
Failure to yield	$1213	$202
Improper passing	$1213	$206
Texting while driving	$1213	$202
Wrong way/wrong lane	$1213	$206
Failure to stop at a red light	$1219	$203
Following too closely	$1219	$207
Illegal turn	$1219	$203
Speeding in school zone	$1273	$216
Passing school bus	$1279	$213
At-fault accident - less than $1000	$1295	$220
Speeding 21 - 25 MPH over limit	$1295	$216
Open container	$1301	$221
In 65 MPH zone	$1350	$225
At-fault accident - $1000-$2000	$1399	$238
At-fault accident - greater than $2000	$1405	$234
Operating a vehicle without permission	$1415	$241
Refusal to submit to a chemical test	$1694	$282
Reckless driving	$1699	$289
Driving with a suspended license	$1716	$286
DUI	$1732	$294
Racing	$1792	$299
Leaving scene of an accident/hit and run	$1803	$306

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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 Salmon 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 Salmon.

The cheapest car insurance premiums in White Salmon are offered by Chubb at $312 for a six-month policy. However, it can be as expensive as $333 with companies like National General.

White Salmon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$53
Auto-Owners Insurance Co	$394	$65
Travelers	$426	$72
American Family	$612	$103
Progressive	$678	$114
Pemco	$688	$116
USAA	$754	$127
State Farm	$792	$133
Farmers	$1082	$182
Allstate	$1595	$269
Grange	$1673	$284
Cal Casualty	$1869	$312
National General	$333	$57

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 Salmon are offered by Chubb at $273. However, it can be as expensive as $306 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in White Salmon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$46
Auto-Owners Insurance Co	$284	$49
Travelers	$350	$58
State Farm	$426	$72
American Family	$612	$103
USAA	$667	$113
Pemco	$673	$113
Progressive	$798	$134
Farmers	$929	$156
Allstate	$1230	$209
California Causality	$306	$52

Car Insurance Price Trends in White Salmon, Washington

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

The average cost of full coverage in the White Salmon rose by $139 in December compared to $136 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 White Salmon rose to $47 in December, compared to $46 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 Salmon?

The car insurance in White Salmon is $29 per month, which is lower than the national average.

What is the cheapest car insurance in White Salmon?

The cheapest car insurance in White Salmon is $63 per month for full coverage.

How much is car insurance in White Salmon for teenagers?

Car insurance for teenagers costs $306 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 Salmon?

The average cost of car insurance is $768 for a six-month policy. It will cost around $119 per month to insure your car in White Salmon.

Is car insurance expensive in White Salmon?

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

Cheapest Car Insurance Quotes in White Salmon

Why you can trust Way?

How Much Is Car Insurance in White Salmon

Avg. Car Insurance in White Salmon

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in White Salmon

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

White Salmon Car Insurance Rates by Company

Cheap Car Insurance Companies in White Salmon, WA

Way's key takeaways about car insurance in White Salmon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Salmon

Cheapest Liability Coverage in White Salmon, WA

Cheapest Full Coverage Car Insurance in White Salmon

Cheapest Full Coverage Car Insurance Quotes in White Salmon, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Salmon by Rating Factor

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

Car Insurance Premiums by Age in White Salmon

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Salmon

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

White Salmon Car Insurance Rates by Violation

White Salmon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Salmon after a DUI

White Salmon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Salmon after Speeding ticket

Car Insurance Price Trends in White Salmon, Washington

Average Car Insurance Cost in White Salmon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Salmon, WA

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

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