Updated: December 29, 2025
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GEICO: Most affordable for many driver profiles. Full coverage costs $112 monthly while minimum coverage runs just $51, helping drivers save 9% compared to the city average.
American Family: Runner-up for affordability with $111 monthly for full coverage and $72 for minimum coverage. It's especially affordable for young drivers.
State Farm: Cheapest for young and senior drivers in Everett.
Cheapest Monthly Rates by Coverage and Driver Profile in Everett:
American Family offers Everett's most affordable full coverage at $111 monthly, 9% below the city average. GEICO charges $112 monthly, saving drivers nearly 19%. For minimum coverage, GEICO costs $51 monthly (19% savings) and State Farm charges $54 monthly (7% below average). Your ZIP code and driving record affect your actual rate, so compare quotes from multiple insurers.
| Geico | $51 | $112 | -19% |
| State Farm | $54 | $133 | -7% |
| California Causality | $56 | $142 | -2% |
| Progressive | $69 | $118 | -7% |
| American Family | $72 | $112 | -9% |
Not in Everett? Read more about the cheapest car insurance or the best provider in Washington.
Younger drivers pay higher rates in Everett due to limited driving experience. American Family offers the lowest rates at $215 monthly. State Farm charges $288 monthly and Travelers costs $289 monthly. Stay on your parents' policy rather than buying separate coverage, this saves hundreds annually. Defensive driving courses reduce premiums by 5% to 15% with most insurers.
| American Family | $216 | $2,586 | -40% |
| State Farm | $288 | $3,456 | -20% |
| Travelers | $289 | $3,469 | -20% |
| Geico | $311 | $3,732 | -14% |
| Allstate | $364 | $4,369 | 1% |
Senior drivers in Everett can reduce premiums through defensive driving courses, savings reach 10% and last three years. Many insurers offer accident forgiveness for drivers 65 and older. GEICO charges $129 monthly for full coverage, State Farm costs $149 monthly and Nationwide charges $158 monthly. GEICO offers age-specific discounts and defensive driver course credits.
| Geico | $130 | $1,555 | -31% |
| State Farm | $150 | $1,798 | -20% |
| Nationwide | $159 | $1,903 | -15% |
| American Family | $161 | $1,926 | -14% |
| Progressive | $170 | $2,041 | -9% |
Violations increase premiums, but rates vary between insurers in Everett. State Farm charges $58 monthly for minimum coverage after a DUI, while National General costs $78 monthly. After speeding tickets, State Farm charges $58 monthly and GEICO costs $73 monthly. For at-fault accidents, State Farm costs $63 monthly and GEICO charges $82 monthly.
| At-Fault Accident | State Farm | $63 | -37% |
| At-Fault Accident | Geico | $82 | -18% |
| DUI | State Farm | $59 | -40% |
| DUI | National General | $79 | -20% |
| Speeding Ticket | State Farm | $59 | -30% |
| Speeding Ticket | Geico | $74 | -12% |
ZIP codes affect car insurance rates in Everett. Drivers in 98203 pay $138 monthly for full coverage, while 98201 residents pay $121 monthly. Insurers evaluate crime rates, traffic patterns and claim frequency by location. This $17 difference reflects neighborhood-specific risk factors. Moving between ZIP codes changes your premium.
| 98203 | $138 |
| 98208 | $138 |
| 98204 | $124 |
| 98207 | $124 |
| 98201 | $121 |
| 98201 | $121 |
| 98204 | $124 |
| 98207 | $124 |
| 98203 | $138 |
| 98208 | $138 |
GEICO ranks highest in Everett with a MoneyGeek score of 92 out of 100. GEICO offers the area's lowest rates with strong customer service.
Progressive, American Family, Travelers and State Farm complete the top five. These insurers provide competitive rates and comprehensive coverage for Washington drivers.
| Geico | 93 | 1 | 6 | 6 |
| Progressive | 91 | 4 | 2 | 2 |
| American Family | 88 | 2 | 5 | 6 |
| Travelers | 88 | 6 | 1 | 4 |
| State Farm | 87 | 3 | 3 | 6 |
Everett drivers pay high insurance costs, but multiple strategies reduce premiums.
Bundle auto and home or renters insurance for 15% to 25% savings. Add multi-car discounts if you insure multiple vehicles (10% to 25% per car). Combine good driver, paperless billing and autopay discounts to save 30% to 40% total.
Raising your deductible from $500 to $1,000 cuts premiums by 10% to 15% annually. Choose a deductible amount you can afford to pay if filing a claim
Insurers adjust rates based on Everett's risk factors and claims data. Your driving record improves after three years, qualifying you for better rates with different companies.
MoneyGeek analyzed Everett insurance rates to identify affordable coverage options.
Car insurance in Everett costs $129 monthly for full coverage. This ranks mid-range for Washington. Kent has the state's highest rates at $149 monthly, while Anacortes drivers pay $42 monthly, the state's lowest.
Finding affordable car insurance in Everett starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Washington’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 98203 often pay much more than those in 98201.
We partnered with the Washington State Office of the Insurance Commissioner and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Everett ZIP code.
Our ratings for the best car insurance in Everett are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Everett neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds 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 five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
