In Everett, GEICO offers the lowest annual rate for minimum coverage at $616, while American Family provides the cheapest full coverage at $1,340. State Farm, California Casualty and Progressive also offer competitive rates in the city.
Car Insurance in Everett
Updated: August 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Everett's cheapest car insurance companies are GEICO, American Family and State Farm, with savings up to 19% compared to the city average.
In Everett, monthly car insurance costs average $129 for full coverage and $64 for minimum coverage.
You'll find the best cheap auto insurance in Everett by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Everett?
| GEICO | $51 | $112 | -19% |
| American Family | $72 | $112 | -9% |
| State Farm | $54 | $133 | -7% |
| Progressive | $69 | $118 | -7% |
| California Casualty | $56 | $142 | -2% |
Cheapest Everett Car Insurance by Category
GEICO offers the cheapest rates in four driver categories in Everett. State Farm wins for high-risk drivers, while National General leads for bad credit and American Family for young drivers.
| Young Drivers | American Family | $129 |
| Adult Drivers | GEICO | $51 |
| Senior Drivers | GEICO | $66 |
| Drivers With an Accident | State Farm | $63 |
| Drivers With a DUI | State Farm | $59 |
| Drivers With a Speeding Ticket | State Farm | $59 |
| Drivers With Bad Credit | National General | $84 |
| Drivers With Newer Cars | GEICO | $54 |
| Drivers With Old Cars | GEICO | $45 |
Compare the Cheapest Everett Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance, with rates varying by thousands of dollars between companies. Find an insurer that offers the best rates for your specific profile in the table below.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| Geico | $51 | $616 | -24% |
| State Farm | $54 | $648 | -20% |
| California Causality | $56 | $670 | -17% |
| Nationwide | $66 | $795 | -2% |
| National General | $68 | $813 | 0% |
Best Car Insurance Companies in Everett
The top car insurance companies in Everett are GEICO, Progressive, American Family, and Travelers. These providers stand out for their competitive rates, quality customer service, and comprehensive coverage options.
| 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 |
GEICO: Best Affordable Coverage
pros
Most affordable rates in Everett
Multiple category-specific savings options
Easy digital insurance management
cons
Limited coverage options
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO ranks first in Everett for overall value and affordability. The company costs substantially less than the city average for both minimum and full coverage policies. GEICO leads in affordability for several driver categories, including adult drivers, senior drivers, and those with older vehicles. While customer service ratings are lower than competitors, the company's strong digital tools make policy management straightforward.
Progressive: Best for Customizable Coverage
pros
Extensive coverage options
Strong customer service ratings
User-friendly claims process
cons
Higher rates than GEICO
Fewer driver-specific discounts
COMPANY HIGHLIGHTS
Progressive stands out for its comprehensive coverage options and strong customer service, ranking second overall in Everett. The company earns high marks for both customer experience and coverage variety, offering more add-on options than most competitors. While not the cheapest option, Progressive provides value through its customizable policies and efficient claims handling process.
How Much Is Car Insurance in Everett?
In Everett, minimum coverage costs about $64 per month or $773 per year, ranking 485th out of all Washington cities for affordability. Full coverage averages $129 monthly or $1,551 annually, ranking 377th among Washington cities.
| Full Coverage | $129 | $1,551 |
| Minimum Coverage | $64 | $773 |
Everett Car Insurance Cost by Category
In Everett, monthly coverage costs vary from $59 to $347 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $168 | $347 |
| Adult Drivers | $64 | $129 |
| Senior Drivers | $96 | $182 |
| Drivers With an Accident | $95 | $191 |
| Drivers With a DUI | $95 | $192 |
| Drivers With a Speeding Ticket | $80 | $164 |
| Drivers With Bad Credit | $148 | $316 |
| Drivers With Newer Cars | $72 | $145 |
| Drivers With Old Cars | $59 | $117 |
Everett Car Insurance Costs by ZIP Code
In Everett, car insurance rates by ZIP code range from $56 to $138 per month. ZIP code 98203 is the most expensive, while 98201 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:Results filtered by:
Select
ZIP Code:98201
| 98201 | $56 | $121 |
Compare Personalized Everett Car Insurance Costs
Find rates that match your exact profile by filtering the table below for combinations of age, driving history and other personal factors that previous breakdowns didn't capture.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $65 | $781 | 29% |
How to Get the Best Cheap Everett Car Insurance
Finding affordable car insurance in Everett can be challenging with Washington's high average rates, but you don't have to settle for expensive premiums. Our step-by-step guide shows you how to get the coverage you need at rates you can afford.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your situation. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation. This will help you avoid paying for unnecessary coverage or being dangerously underinsured.
- 2
Explore different coverage types
Understanding different types of car insurance can help you find better rates. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage. These alternatives often cost less than traditional policies.
- 3
Know the average costs
Research average vehicle insurance costs in Everett to set realistic expectations. This helps you recognize good deals and avoid overpaying. Remember that your personal factors like driving history, age, and vehicle type will affect your actual rates.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer savings for good driving records, safety features, or completing defensive driving courses.
- 5
Research company reliability
Look beyond just price when choosing an insurer. Check customer reviews, financial strength ratings and claims satisfaction scores. A company's reputation for fair claims handling and good customer service can be worth paying slightly more for coverage.
- 6
Get quotes from multiple insurers
Request quotes from at least three different insurance companies. Use a mix of local agents, insurance company websites and comparison tools.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improving credit, moving, or buying a new car can affect your premiums. Regular policy reviews ensure you maintain the best rates for your current situation.
Cheapest Car Insurance in Everett: Bottom Line
Car insurance rates in Everett depend on your driving record, credit score and coverage needs. GEICO and American Family offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Everett Car Insurance: FAQ
Get clear answers about finding affordable car insurance in Everett. Our FAQ section helps you understand coverage options and save money while maintaining the protection you need.
What is the cheapest car insurance company in Everett, Washington?
GEICO offers minimum coverage at $616 annually in Everett, while American Family provides full coverage at $1,340. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Everett?
GEICO offers Everett's best car insurance with a MoneyGeek score of 93 out of 100, scoring two points higher than Progressive. GEICO delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Everett?
In Everett, Washington, drivers pay $1,551 for full coverage and $773 for minimum coverage car insurance annually. Actual rates vary based on individual factors.
Is car insurance in Everett expensive?
Car insurance in Everett costs more than average, ranking 485th for minimum coverage affordability and 377th for full coverage compared to other Washington cities.
How We Chose the Best and Cheapest Car Insurance in Everett, WA
To help Everett drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Washington State Office of the Insurance Commissioner and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Washington to tailor options as closely as possible to you.
Everett Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Everett
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Washington are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.