Cheapest Car Insurance Quotes in Wishram

Finding the cheapest car insurance quotes in Wishram 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

Wishram Car Insurance

^$ 30

/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 Wishram

The car insurance rate in Wishram is $722 for a six-month policy, which is $46 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Wishram 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 Wishram

$722

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Wishram

1st place: Kemper

At $385 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $519 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 $536 for six months, making it the third cheapest auto insurance company in Wishram.

Wishram Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wishram, WA is Kemper, offering policies at just $385 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $519.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $748 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wishram drivers find the best deals.

Cheap Car Insurance Companies in Wishram, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$385	$64
Nationwide	$519	$88
Auto-Owners Insurance Co	$536	$89
Chubb	$608	$103
Capital Insurance Group	$619	$103
State Farm	$648	$109
USAA	$670	$113
Progressive	$720	$121
PEMCO	$737	$124
American Family	$760	$128
Travelers	$821	$138
Farmers	$871	$147
Allstate	$1016	$171
Granwest P&C	$1261	$214
California Causality	$636	$108
Mutual of Enumclaw	$748	$127

Key Takeaways

Way's key takeaways about car insurance in Wishram

The auto insurance costs in Wishram fall around $385 for six months.
The cheapest auto insurance company in Wishram is USAA.
Teen drivers pay the highest rate in Wishram at $117 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 Wishram

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 Wishram are given below.

USAA provides the cheapest minimum car insurance coverage in Wishram. Their Average 6 Month Premium is $179. California Causality is the most expensive at $224 for the same period.

Cheapest Liability Coverage in Wishram, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
California Casualty	$201	$34
Granwest P&C	$207	$35
PEMCO	$212	$36
Auto-Owners Insurance Co	$218	$37
Chubb	$257	$43
Travelers	$262	$44
Nationwide	$268	$45
Capital Insurance Group	$285	$47
State Farm	$285	$48
Progressive	$296	$50
American Family	$335	$56
Mutual of Enumclaw	$340	$56
Farmers	$357	$60
Allstate	$603	$102
Encompass	$196	$33
Grange	$201	$34
California Causality	$224	$38

Cheapest Full Coverage Car Insurance in Wishram

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 Wishram is Kemper at $64 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wishram, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$385	$64
Nationwide	$519	$88
Auto-Owners Insurance Co	$536	$89
Chubb	$608	$103
Capital Insurance Group	$619	$103
State Farm	$648	$109
USAA	$670	$113
Progressive	$720	$121
PEMCO	$737	$124
American Family	$760	$128
Travelers	$821	$138
Farmers	$871	$147
Allstate	$1016	$171
Granwest P&C	$1261	$214
California Causality	$636	$108
Mutual of Enumclaw	$748	$127

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wishram Instantly!

Average Car Insurance in Wishram 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 Wishram, WA increasing?

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

Car Insurance Premiums by Age in Wishram

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	$636
30s	PEMCO	$446
40s	PEMCO	$450
50s	PEMCO	$428
60s	PEMCO	$450
70s	PEMCO	$559

Cheapest Car Insurance Rates for Teen Drivers in Wishram,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Wishram at $53 per month. At $687 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$313	$53
Auto-Owners Insurance Co	$319	$55
Chubb	$357	$59
State Farm	$726	$122
American Family	$955	$161
Progressive	$1094	$184
USAA	$1151	$194
Pemco	$1172	$197
Farmers	$1664	$280
Allstate	$1920	$323
California Causality	$687	$117

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 Wishram.

As young drivers face the highest rates in Wishram, PEMCO offers the cheapest auto insurance rates at $636 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 Wishram, AutoOwners Insurance Co is the cheapest car insurance provider. At $218 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 Wishram is California Causality, offering rates of around $513 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Chubb	$257	$43
Travelers	$262	$44
Nationwide	$307	$51
Kemper	$335	$57
American Family	$509	$86
Progressive	$592	$100
State Farm	$687	$116
Farmers	$760	$128
Pemco	$877	$148
USAA	$904	$154
Allstate	$1810	$302
National General	$368	$61
California Causality	$513	$87

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Wishram

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wishram

The cheapest car insurance companies after an at-fault accident in Wishram include AutoOwners Insurance Co and Encompass, offering $279 and $319, respectively. California Causality is an expensive provider with an average six-month premium of $385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$47
Encompass	$319	$55
Chubb	$329	$55
Travelers	$397	$67
USAA	$424	$71
Kemper	$463	$79
State Farm	$625	$105
PEMCO	$687	$116
American Family	$748	$126
Capital Insurance Group	$826	$140
Progressive	$988	$166
Farmers	$1067	$180
Allstate	$1720	$290
California Causality	$385	$64

Wishram Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wishram WA. For example, the car insurance in Wishram after a DUI increases to $765 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Wishram auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1005	$167
One Med/PIP claim	$1005	$171
Not-at-fault accident	$1039	$173
Two Med/PIP claims	$1039	$177
One comp claim	$1044	$174
Two comp claims	$1089	$185
Failure to show documents	$1200	$200
Child safety restraint	$1212	$206
Driving without lights	$1223	$204
Failure to wear a seat belt	$1223	$208
Speeding 11 - 15 MPH over limit	$1223	$204
Speeding 16 - 20 MPH over limit	$1223	$208
Speeding 6 - 10 MPH over limit	$1223	$204
Driving too slowly	$1234	$210
Driving with expired registration	$1234	$206
Cell phone violation	$1240	$211
Failure to yield	$1240	$207
Improper passing	$1240	$211
Texting while driving	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1246	$208
Following too closely	$1246	$212
Illegal turn	$1246	$208
Speeding in school zone	$1301	$221
Passing school bus	$1307	$218
At-fault accident - less than $1000	$1324	$225
Speeding 21 - 25 MPH over limit	$1324	$221
Open container	$1329	$226
In 65 MPH zone	$1379	$230
At-fault accident - $1000-$2000	$1430	$243
At-fault accident - greater than $2000	$1435	$239
Operating a vehicle without permission	$1446	$246
Refusal to submit to a chemical test	$1731	$289
Reckless driving	$1736	$295
Driving with a suspended license	$1753	$292
DUI	$1770	$301
Racing	$1831	$306
Leaving scene of an accident/hit and run	$1842	$313

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 Wishram 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 Wishram.

The cheapest car insurance premiums in Wishram are offered by Chubb at $319 for a six-month policy. However, it can be as expensive as $340 with companies like National General.

Wishram car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$319	$55
Auto-Owners Insurance Co	$402	$67
Travelers	$435	$73
American Family	$625	$105
Progressive	$693	$117
Pemco	$703	$118
USAA	$771	$130
State Farm	$809	$136
Farmers	$1105	$186
Allstate	$1630	$274
Grange	$1709	$290
Cal Casualty	$1909	$319
National General	$340	$58

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 Wishram are offered by Chubb at $279. However, it can be as expensive as $313 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Wishram after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$47
Auto-Owners Insurance Co	$290	$50
Travelers	$357	$59
State Farm	$435	$73
American Family	$625	$105
USAA	$682	$116
Pemco	$687	$116
Progressive	$815	$137
Farmers	$949	$160
Allstate	$1257	$213
California Causality	$313	$54

Car Insurance Price Trends in Wishram, Washington

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

The average cost of full coverage in the Wishram rose by $142 in December compared to $139 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 Wishram rose to $48 in December, compared to $47 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 Wishram?

The car insurance in Wishram is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Wishram?

The cheapest car insurance in Wishram is $64 per month for full coverage.

How much is car insurance in Wishram for teenagers?

Car insurance for teenagers costs $313 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 Wishram?

The average cost of car insurance is $768 for a six-month policy. It will cost around $121 per month to insure your car in Wishram.

Is car insurance expensive in Wishram?

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

Cheapest Car Insurance Quotes in Wishram

Why you can trust Way?

How Much Is Car Insurance in Wishram

Avg. Car Insurance in Wishram

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Wishram

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Wishram Car Insurance Rates by Company

Cheap Car Insurance Companies in Wishram, WA

Way's key takeaways about car insurance in Wishram

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wishram

Cheapest Liability Coverage in Wishram, WA

Cheapest Full Coverage Car Insurance in Wishram

Cheapest Full Coverage Car Insurance Quotes in Wishram, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wishram by Rating Factor

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

Car Insurance Premiums by Age in Wishram

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wishram,WA

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

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 Wishram

Cheapest Car Insurance Companies after an At-Fault Accident in Wishram

Wishram Car Insurance Rates by Violation

Wishram auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wishram after a DUI

Wishram car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wishram after Speeding ticket

Car Insurance Price Trends in Wishram, Washington

Average Car Insurance Cost in Wishram by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wishram, WA

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

Featured Blogs

Data Sources