In Everett, the average cost for full coverage car insurance is $119 per month. Rates range from $120 to $345, depending on various factors. To help drivers understand what they might pay, the table below shows average car insurance costs for different driver profiles in Everett.
Everett, WA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Everett: Key Takeaways
In the city, PEMCO, Capital Insurance Group and other notable companies offer some of the most affordable car insurance options for various driver profiles, including teens and seniors.
PEMCO stands out as the cheapest car insurance provider, offering rates of $18 per month for state minimum coverage and $53 per month for full coverage.
The average cost of car insurance in the city is around $64 for minimum coverage and $119 for full coverage per month, but these rates can vary based on driver profiles.
Car Insurance Quotes in Everett, WA
| Young Drivers | $83 | $158 |
| Teens | No Data | $345 |
| Seniors | $66 | $119 |
| Drivers With a Speeding Ticket | $80 | $151 |
| Drivers With a DUI | $95 | $184 |
| Drivers With An Accident | $92 | $170 |
| Bad Credit | $67 | $124 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Everett vs. State Average
Washington
State Average Full Coverage Rate
$1,412
Everett, WA
City Average Full Coverage Rate
$1,423More:$11 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Everett?
In Everett, the average cost for full coverage car insurance is $1,423 per year, while the minimum coverage costs $758 annually. These rates are slightly higher than the Washington state averages, where full coverage is $1,412 and minimum coverage is $725. This helps residents gauge local insurance costs.
| State Average | $725 | $1,412 |
| Everett Average | $758 | $1,423 |
Cheapest Car Insurance Companies in Everett
While premiums might be rising across the Evergreen State, finding affordable car insurance in Everett is still possible. PEMCO offers the cheapest minimum coverage at just $18 per month. For full coverage, PEMCO again provides the best rate at $53 monthly.
WHY CAR INSURANCE IN EVERETT IS EXPENSIVE
Car insurance is expensive in Everett due to traffic congestion and theft rates. The city ranks high among Washington cities for insurance costs. Statewide, high numbers of uninsured drivers and frequent personal injury lawsuits add to the expense.
Cheap Car Insurance in Everett
PEMCO often provides the cheapest car insurance for many drivers, but remember, the most affordable option varies per individual. To find the best deal, gather quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| PEMCO | Minimum Coverage | $18 |
| PEMCO | Full Coverage | $53 |
| Capital Insurance Group | Teens | $190 |
| PEMCO | Young Adults | $44 |
| PEMCO | Seniors | $38 |
| PEMCO | Bad Credit | $35 |
| PEMCO | Drivers With a DUI | $58 |
| PEMCO | Drivers With An Accident | $48 |
| PEMCO | Drivers With a Speeding Ticket | $44 |
Car Insurance Rates in Everett by Company
To get the cheapest car insurance in Everett, you need to compare rates from many companies. We'll show you the most affordable options for minimum coverage and full coverage car insurance below.
Cheapest Car Insurance Companies for Minimum Coverage in Everett
State Farm offers the cheapest minimum coverage auto insurance at $38 per month. Auto-Owners Insurance Co follows closely at $44 per month. See the breakdown of the cheapest options in the table below.
| PEMCO | $18 | $46 |
| State Farm | $38 | $26 |
| Auto-Owners Insurance Co | $44 | $20 |
| Progressive | $45 | $19 |
| Chubb | $48 | $15 |
| Nationwide | $51 | $13 |
| GEICO | $52 | $12 |
| Travelers | $52 | $11 |
| American Family | $57 | $7 |
| Farmers | $59 | $5 |
Cheapest Car Insurance Companies for Full Coverage in Everett
PEMCO offers the cheapest full coverage car insurance in Everett at $53 per month. Explore the full list of providers in the table below for more options.
| Allstate | $113 | $6 |
| American Family | $87 | $32 |
| Auto-Owners Insurance Co | $101 | $18 |
| Chubb | $113 | $7 |
| Farmers | $101 | $18 |
| GEICO | $98 | $22 |
| Kemper | $78 | $42 |
| Nationwide | $94 | $25 |
| PEMCO | $53 | $67 |
| Progressive | $76 | $43 |
| State Farm | $79 | $41 |
| Travelers | $101 | $18 |
Car Insurance Companies in Everett
To find the cheapest car insurance in Everett, compare quotes from different companies. PEMCO offers the most affordable rate at $423 per year and has a MoneyGeek score of 90. Chubb stands out as the best cheap provider with a score of 88. Check the table below for more options to consider in your search.
| PEMCO | 90 | $423 |
| Chubb | 88 | $966 |
| American Family | 78 | $864 |
| Auto-Owners Insurance Co | 77 | $872 |
| State Farm | 71 | $702 |
| Nationwide | 66 | $872 |
| Travelers | 64 | $922 |
| Farmers | 63 | $827 |
| Progressive | 63 | $726 |
| GEICO | 63 | $897 |
| Allstate | 59 | $1,117 |
| Kemper | 55 | $901 |
| National General | 49 | $1,517 |
| Dairyland | No Data | $3,656 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Everett by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,423 per year for 40-year-olds and $1,426 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,716 | $-703 |
| 17 | $2,729 | $-716 |
| 18 | $2,329 | $-315 |
| 19 | $2,052 | $-39 |
| 20 | $2,121 | $-108 |
| 21 | $1,638 | $375 |
| 22 | $1,765 | $248 |
| 23 | $1,847 | $166 |
| 24 | $1,731 | $282 |
| 25 | $1,891 | $-325 |
| 40 | $1,423 | $143 |
| 65 | $1,426 | $140 |
Cheapest Car Insurance for Teens in Everett
Kemper offers the cheapest overall car insurance for teens in Everett, with full coverage at $155 monthly, saving you $50 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Kemper | $155 | $50 | $216 |
| Allstate | $158 | $47 | $410 |
| Capital Insurance Group | $163 | $42 | $190 |
| Nationwide | $168 | $37 | $466 |
| GEICO | $187 | $17 | $348 |
| Travelers | $202 | $2 | $305 |
| State Farm | $212 | $-7 | $262 |
| Farmers | $240 | $-35 | $365 |
| Progressive | $358 | $-154 | $540 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Everett
PEMCO offers the lowest minimum coverage rate in Everett at $22 per month for young drivers. For full coverage, PEMCO also tops the chart with a rate of $67 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| PEMCO | Minimum Coverage | $22 |
| PEMCO | Full Coverage | $67 |
| PEMCO | Bad Credit | $44 |
| PEMCO | Drivers With a DUI | $66 |
| PEMCO | Drivers With An Accident | $56 |
| PEMCO | Drivers With a Speeding Ticket | $52 |
Cheapest Car Insurance Companies for Young Drivers in Everett
Progressive offers the most affordable auto insurance for young drivers at $74 per month. The table below shows other companies with competitive rates: American Family, State Farm, and Allstate.
| PEMCO | $44 | $77 |
| Progressive | $74 | $48 |
| American Family | $76 | $46 |
| State Farm | $78 | $43 |
| Travelers | $90 | $31 |
| Farmers | $96 | $25 |
| Allstate | $98 | $23 |
| GEICO | $102 | $19 |
| Auto-Owners Insurance Co | $108 | $14 |
| Chubb | $110 | $11 |
| Kemper | $111 | $10 |
| Nationwide | $111 | $10 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Everett
PEMCO and State Farm offer the most affordable car insurance options in the city, though rates can vary based on individual factors. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| PEMCO | Minimum Coverage | $19 |
| PEMCO | Full Coverage | $57 |
| PEMCO | Bad Credit | $38 |
| State Farm | Drivers With a DUI | $61 |
| PEMCO | Drivers With An Accident | $55 |
| PEMCO | Drivers With a Speeding Ticket | $50 |
Cheapest Car Insurance Companies for Seniors in Everett
PEMCO offers the cheapest monthly premium for seniors at $38 for both minimum and full coverage. State Farm follows with a rate of $55 per month. Below, you'll find a table showcasing top car insurance providers for seniors in Everett.
| PEMCO | $38 | $55 |
| State Farm | $55 | $38 |
| Auto-Owners Insurance Co | $65 | $28 |
| Progressive | $67 | $26 |
| Chubb | $67 | $26 |
| Kemper | $68 | $26 |
| Travelers | $75 | $18 |
| Nationwide | $75 | $18 |
| American Family | $76 | $18 |
| Farmers | $83 | $11 |
| GEICO | $92 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Everett
In Everett, comparing high-risk driver profiles shows that both minimum coverage and full coverage rates are more affordable than the state average. Drivers with bad credit and DUIs pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller effect on rates.
| State Average | $1,027 | $2,012 |
| Everett Average | $1,074 | $2,033 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Minor driving incidents, like a speeding ticket in Everett, can affect your insurance for a few years. For serious offenses, such as a DUI, insurers may consider your history for a longer period, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Everett
PEMCO provides the cheapest minimum coverage for drivers with a DUI in Everett at $372 per year. For full coverage, PEMCO also offers the lowest rate at $1,027 annually. Check out the table below for more low-cost coverage options.
| PEMCO | $31 | $86 |
| State Farm | $44 | $90 |
| Progressive | $54 | $95 |
| American Family | $67 | $104 |
| Chubb | $60 | $142 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Everett
PEMCO, State Farm, and Auto-Owners Insurance Co offer the cheapest car insurance for drivers with an at-fault accident record. For cheapest auto insurance after an at-fault accident, these providers stand out. The table below shows different providers in Everett offering affordable car insurance coverage for drivers with an at-fault accident violation.
| PEMCO | $25 | $72 |
| State Farm | $49 | $99 |
| American Family | $68 | $108 |
| Auto-Owners Insurance Co | $57 | $135 |
| Chubb | $60 | $142 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Everett
PEMCO is the cheapest car insurance provider for drivers with a speeding ticket in Everett, offering minimum coverage at $22 and full coverage at $66 monthly. Check the table below to see how other providers charge drivers with a speeding ticket.
| PEMCO | $22 | $66 |
| State Farm | $44 | $90 |
| Progressive | $59 | $103 |
| Chubb | $53 | $125 |
| Auto-Owners Insurance Co | $59 | $139 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Everett
PEMCO offers the most affordable rates for drivers with bad credit, with state minimum coverage at $18 and full coverage at $53 monthly. See the table below for other affordable options.
| PEMCO | $18 | $53 |
| Progressive | $46 | $79 |
| State Farm | $40 | $82 |
| Auto-Owners Insurance Co | $44 | $101 |
| Chubb | $48 | $113 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Everett, WA
In Washington, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
An example of how this works: If you're in an accident, the state minimum coverage will help pay for injuries and damages up to these limits, ensuring you're not fully out of pocket.
Cheap Car Insurance in Everett: Bottom Line
PEMCO leads with the cheapest car insurance in Everett, offering minimum coverage for just $18. Whether you're a young driver or have poor credit, you'll find providers with competitive rates for your needs. Always check that your policy covers Washington's mandatory insurance, which includes bodily injury, property damage, and more. By comparing options, you secure affordable rates that adhere to our state's laws.
Everett Auto Insurance: FAQ
This FAQ section gives quick answers to common questions about finding the cheapest and best car insurance options. Learn about affordable plans and how to get the coverage you need without breaking the bank.
What is the cheapest car insurance company in Everett, Washington?
PEMCO offers the most affordable car insurance in Everett, Washington, with minimum coverage rates starting at just $18 a month, saving customers $46.
What is the best car insurance company in Everett, Washington?
Dairyland is considered the best car insurance company in Everett, Washington, holding a prominent position.
How much does car insurance cost on average in Everett?
In Everett, minimum coverage car insurance costs range from $64 to $96 per month, depending on the driver's history and age.
Best Cheap Car Insurance in Everett: Our Methodology
MoneyGeek conducted an analysis of Everett auto insurance prices using data from the Washington Department of Insurance and Financial Services and Quadrant Information Services.
Everett Driver Profile
To assess the best and most affordable auto insurance options for Everett residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Everett
In assessing the car insurance quotes for Everett, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Washington's mandated liability insurance parameters:
The minimum coverage requirements in Washington are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Washington providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Everett
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Everett. For more details on our methodology, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.