Cheapest and Best Car Insurance in Everett, WA (2024)

In Everett, Washington, PEMCO provides the cheapest minimum coverage, while Nationwide offers the lowest full coverage. Kemper is the most affordable for families with teens. Chubb leads in quality customer service, while PEMCO is best overall. Ultimately, the best policy for you rests on your personal coverage preferences and needs.

PEMCO offers the cheapest cheapest car insurance in Everett, followed by State Farm. Interested in finding the most affordable rates?

• PEMCO: $402 per year
• State Farm: $458 per year

Dairyland has the most expensive policy at $2,367 annually, which is $1965 more per year than PEMCO. Comparing rates is a must to get the best deal.

In Washington, state law prescribes these car insurance requirements:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $10,000 property damage liability per accident
  

For example, in case of an accident, your insurance would cover $25,000 for injuries per person, capping at $50,000 per accident. More than that, you'd be billed out of pocket. Remember, these are just minimums, and it's generally a good idea to purchase increased liability coverage as well as comprehensive and collision coverages for a greater level of financial protection.

Nationwide offers the cheapest full coverage car insurance in Everett.

• Nationwide: $823 per year
• PEMCO: $856 per year

Dairyland has the most expensive policy at $4,945 annually, nearly six times more than Nationwide. This difference shows the importance of comparing rates to find affordable full coverage, which tends to cost more due to its broad protection.

Our sample full coverage policy in Everett boosts liability coverage to $100,000 for individual bodily injury, $300,000 per accident for physical injuries and $100,000 for property damage. This is known as the 100/300/100 policy.

This type of full coverage insurance also includes:

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, getting full coverage insurance for more robust financial protection is prudent. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

Owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the vehicle's value. When deciding how much car insurance you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Premiums can vary significantly based on the driving offense. In Everett, here are the companies with the lowest premiums for drivers with violations:

• Speeding Ticket: PEMCO ($1,067 per year)
• At-Fault Accident: PEMCO ($1,174 per year)
• DUI: State Farm ($1,083 per year)

Dairyland has the most expensive rates for all three offenses: $6,320 after an at-fault accident, $5,764 after a speeding ticket, and $4,945 following a DUI. The difference between the cheapest company after a speeding ticket (PEMCO) and after a DUI (State Farm) is $357, highlighting how offense severity impacts premium rates.

Insurers view violations as indicators of riskier behavior. For instance, drivers with a speeding ticket in Everett face an average annual rate of $1,778, whereas those with a DUI could be charged around $2,163 — a significant $385 difference. This shows the importance of comparing rates, so drivers with infractions can identify the most cost-saving option for their specific needs.

Kemper offers the cheapest car insurance for teens in Everett.

• Kemper: $1,819 per year for female teens and $1,890 per year for male teens
• Nationwide: $2,042 per year for female teens and $2,180 per year for male teens

These rates are for a teen added to an existing family policy. Progressive has the most expensive teen family policy, with female teen rates at $4,368. The difference of $2,549 between Kemper and Progressive for female teens shows the potential savings of comparing rates.

In Everett, as well as in other cities, teen drivers face pricier premiums. It's economical for teens to join a family plan at $2,851. In contrast, individual policy runs approximately $5,387 annually. The considerable disparity is attributed to the elevated risk insurers associate with inexperienced teen drivers. Including teens in a family plan can mitigate cost and approval difficulties.

USAA offers the cheapest car insurance for military personnel and their families in Everett.

• USAA: $679 per year
• Nationwide: $823 per year

USAA is not only the most affordable option, with an annual premium of $679, but also excels in providing services tailored to the needs of active-duty military members.

Shopping for car insurance in Everett can lead to significant savings; however, manually comparing rates can use up over 15 minutes per insurer.

To expedite your search, MoneyGeek's car insurance calculator serves as an efficient tool. By inputting details like age, driving history, credit score and desired coverage level, you'll quickly receive tailored estimates.

Selecting the right auto insurance comes down to what you prioritize most, whether it’s service quality, affordability, coverage, or other factors. Below are the best car insurance in Everett:

• Best overall: PEMCO (MoneyGeek score 90 out of 100)
• Best for service: Chubb (MoneyGeek score 86 out of 100)
• Best cheap: PEMCO (MoneyGeek score 90 out of 100)

PEMCO emerges as the superior choice for overall value and affordability in the city. Meanwhile, Chubb is the top pick for those who prioritize exceptional service regardless of cost.

PEMCO offers the best car insurance option in Everett, providing customers with leading coverage and service.

• PEMCO: MoneyGeek score of 90 out of 100 ($856 per year)
• Chubb: MoneyGeek score of 89 out of 100 ($1,391 per year)

PEMCO's MoneyGeek score reflects its commitment to offering comprehensive services, balancing both affordability and customer satisfaction.

Chubb is the best option for car insurance in Everett when prioritizing customer service, general satisfaction, claims handling and coverages without putting weight on rates.

• Chubb: MoneyGeek score of 86 out of 100 ($1,391 per year)
• PEMCO: MoneyGeek score of 85 out of 100 ($856 per year)

Customers have reported high levels of satisfaction, particularly with Chubb's superior claims process.

PEMCO is the best option in Everett for consumers searching for affordable car insurance without sacrificing quality.

• PEMCO: MoneyGeek score of 90 out of 100 ($402 per year)
• Chubb: MoneyGeek score of 90 out of 100 ($592 per year)

PEMCO distinguishes itself with the highest MoneyGeek score for those looking for minimum coverage policies, which indicates its exceptional affordability and solid performance in claims handling and customer satisfaction.

In Everett, Washington, the average cost of car insurance is $1,430, closely aligning with the state's average. When put in comparison, Everett's average car insurance cost is just slightly higher than the Washington state average, which stands at $1,429. This state average is notably less than the national average of $1,781, showing that Washington residents generally pay less for their auto insurance.

Car insurance premiums are influenced by many factors, including location. Spokane boasts the lowest insurance premium, at $975, while Renton has the highest, at $1,283. This substantial difference emphasizes the impact of location on insurance costs.