Cheapest Car Insurance Quotes in Woodinville

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Woodinville Car Insurance

^$ 41

/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 Woodinville

The car insurance rate in Woodinville is $1036 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Woodinville 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 Woodinville

$1036

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Woodinville

1st place: Kemper

At $463 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $624 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 $644 for six months, making it the third cheapest auto insurance company in Woodinville.

Woodinville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodinville, WA is Kemper, offering policies at just $463 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $624.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2732 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodinville drivers find the best deals.

Cheap Car Insurance Companies in Woodinville, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Nationwide	$624	$106
Auto-Owners Insurance Co	$644	$107
Chubb	$731	$124
Capital Insurance Group	$745	$124
USAA	$872	$147
Mutual of Enumclaw	$920	$154
American Family	$940	$158
State Farm	$940	$158
Progressive	$959	$162
PEMCO	$1034	$174
Travelers	$1041	$175
Farmers	$1141	$192
Allstate	$1288	$217
Granwest P&C	$1516	$253
Sentry	$2732	$464

Key Takeaways

Way's key takeaways about car insurance in Woodinville

The auto insurance costs in Woodinville fall around $463 for six months.
The cheapest auto insurance company in Woodinville is California Casualty.
Teen drivers pay the highest rate in Woodinville at $770 per month.

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

Cheapest Minimum Liability Car Insurance in Woodinville

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 Woodinville are given below.

California Casualty provides the cheapest minimum car insurance coverage in Woodinville. Their Average 6 Month Premium is $242. Grange is the most expensive at $242 for the same period.

Cheapest Liability Coverage in Woodinville, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$242	$41
USAA	$242	$41
Granwest P&C	$249	$42
Auto-Owners Insurance Co	$262	$44
Chubb	$308	$52
Nationwide	$322	$54
PEMCO	$322	$54
Capital Insurance Group	$342	$59
Progressive	$349	$59
American Family	$356	$61
Mutual of Enumclaw	$383	$64
State Farm	$383	$64
Travelers	$390	$66
Farmers	$457	$77
Allstate	$758	$128
Sentry	$785	$133
Encompass	$235	$40
Grange	$242	$41

Cheapest Full Coverage Car Insurance in Woodinville

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 Woodinville is Kemper at $77 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodinville, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Nationwide	$624	$106
Auto-Owners Insurance Co	$644	$107
Chubb	$731	$124
Capital Insurance Group	$745	$124
USAA	$872	$147
Mutual of Enumclaw	$920	$154
American Family	$940	$158
State Farm	$940	$158
Progressive	$959	$162
PEMCO	$1034	$174
Travelers	$1041	$175
Farmers	$1141	$192
Allstate	$1288	$217
Granwest P&C	$1516	$253
Sentry	$2732	$464

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Average Car Insurance in Woodinville 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 Woodinville, WA increasing?

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

Car Insurance Premiums by Age in Woodinville

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	$765
30s	PEMCO	$536
40s	PEMCO	$541
50s	PEMCO	$514
60s	PEMCO	$541
70s	PEMCO	$672

Cheapest Car Insurance Rates for Teen Drivers in Woodinville,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Woodinville at $63 per month. At $4618 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$63
Auto-Owners Insurance Co	$383	$63
Chubb	$429	$73
Travelers	$1262	$212
State Farm	$1336	$225
USAA	$1550	$261
Pemco	$1906	$321
Farmers	$2302	$388
Mutual of Enumclaw	$2329	$395
Progressive	$2544	$428
Allstate	$2644	$445
Sentry	$4618	$770

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 Woodinville.

As young drivers face the highest rates in Woodinville, PEMCO offers the cheapest auto insurance rates at $765 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 Woodinville, AutoOwners Insurance Co is the cheapest car insurance provider. At $262 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 Woodinville is Sentry, offering rates of around $2732 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$262	$44
Chubb	$308	$52
American Family	$356	$61
Nationwide	$370	$61
Kemper	$402	$69
Farmers	$1048	$176
Travelers	$1114	$188
State Farm	$1322	$223
Progressive	$1329	$224
USAA	$1363	$227
Pemco	$1557	$262
Mutual of Enumclaw	$1598	$267
Allstate	$2497	$425
Sentry	$2732	$455

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Woodinville

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

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

The cheapest car insurance companies after an at-fault accident in Woodinville include AutoOwners Insurance Co and Encompass, offering $336 and $383, respectively. Sentry is an expensive provider with an average six-month premium of $4746.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$336	$56
Encompass	$383	$66
Chubb	$395	$67
American Family	$429	$73
Kemper	$557	$93
USAA	$598	$101
Travelers	$872	$147
State Farm	$893	$150
PEMCO	$973	$164
Capital Insurance Group	$993	$168
Mutual of Enumclaw	$1242	$207
Progressive	$1322	$223
Farmers	$1409	$237
Allstate	$2302	$388
Sentry	$4746	$791

Woodinville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodinville WA. For example, the car insurance in Woodinville after a DUI increases to $920 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Woodinville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1208	$201
One Med/PIP claim	$1208	$206
Not-at-fault accident	$1249	$208
Two Med/PIP claims	$1249	$212
One comp claim	$1255	$209
Two comp claims	$1309	$223
Failure to show documents	$1443	$241
Child safety restraint	$1457	$247
Driving without lights	$1470	$245
Failure to wear a seat belt	$1470	$250
Speeding 11 - 15 MPH over limit	$1470	$245
Speeding 16 - 20 MPH over limit	$1470	$250
Speeding 6 - 10 MPH over limit	$1470	$245
Driving too slowly	$1484	$252
Driving with expired registration	$1484	$247
Cell phone violation	$1490	$253
Failure to yield	$1490	$249
Improper passing	$1490	$253
Texting while driving	$1490	$249
Wrong way/wrong lane	$1490	$253
Failure to stop at a red light	$1497	$250
Following too closely	$1497	$254
Illegal turn	$1497	$250
Speeding in school zone	$1564	$266
Passing school bus	$1571	$262
At-fault accident - less than $1000	$1591	$270
Speeding 21 - 25 MPH over limit	$1591	$266
Open container	$1598	$271
In 65 MPH zone	$1658	$277
At-fault accident - $1000-$2000	$1719	$293
At-fault accident - greater than $2000	$1726	$287
Operating a vehicle without permission	$1738	$296
Refusal to submit to a chemical test	$2080	$347
Reckless driving	$2087	$355
Driving with a suspended license	$2107	$351
DUI	$2128	$362
Racing	$2201	$367
Leaving scene of an accident/hit and run	$2215	$376

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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 Woodinville 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 Woodinville.

The cheapest car insurance premiums in Woodinville are offered by Chubb at $383 for a six-month policy. However, it can be as expensive as $3598 with companies like Sentry.

Woodinville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$383	$66
American Family	$423	$70
Auto-Owners Insurance Co	$484	$82
Travelers	$920	$155
Progressive	$927	$156
USAA	$1020	$172
Pemco	$1128	$190
State Farm	$1228	$207
Farmers	$1436	$242
Mutual of Enumclaw	$1605	$268
Grange	$2054	$349
Allstate	$2101	$354
Cal Casualty	$2295	$390
Sentry	$3598	$600

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 Woodinville are offered by Chubb at $336. However, it can be as expensive as $4397 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Woodinville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$336	$58
Auto-Owners Insurance Co	$349	$58
American Family	$423	$72
State Farm	$785	$132
Travelers	$959	$162
USAA	$1054	$175
Mutual of Enumclaw	$1121	$191
Pemco	$1168	$197
Progressive	$1194	$201
Farmers	$1315	$221
Allstate	$2020	$344
Sentry	$4397	$732

Car Insurance Price Trends in Woodinville, Washington

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

The average cost of full coverage in the Woodinville rose by $220 in January compared to $171 of December. In other words, there has been an increase by $49 when you compare January and December.

The average cost of liability insurance in the Woodinville rose to $63 in January, compared to $58 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 Woodinville?

The car insurance in Woodinville is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Woodinville?

The cheapest car insurance in Woodinville is $77 per month for full coverage.

How much is car insurance in Woodinville for teenagers?

Car insurance for teenagers costs $370 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 Woodinville?

The average cost of car insurance is $917 for a six-month policy. It will cost around $174 per month to insure your car in Woodinville.

Is car insurance expensive in Woodinville?

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

Cheapest Car Insurance Quotes in Woodinville

Why you can trust Way?

How Much Is Car Insurance in Woodinville

Avg. Car Insurance in Woodinville

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Woodinville

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Woodinville Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodinville, WA

Way's key takeaways about car insurance in Woodinville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodinville

Cheapest Liability Coverage in Woodinville, WA

Cheapest Full Coverage Car Insurance in Woodinville

Cheapest Full Coverage Car Insurance Quotes in Woodinville, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodinville by Rating Factor

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

Car Insurance Premiums by Age in Woodinville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodinville,WA

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

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 Woodinville

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

Woodinville Car Insurance Rates by Violation

Woodinville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodinville after a DUI

Woodinville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodinville after Speeding ticket

Car Insurance Price Trends in Woodinville, Washington

Average Car Insurance Cost in Woodinville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodinville, WA

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

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