Car Insurance in Everett

GEICO and State Farm compete closely for the cheapest rates across Everett's driver categories. Adult drivers with clean records pay $616 per year through GEICO, while seniors pay $771 annually through State Farm.

Young drivers face higher costs at $1,418 per year with State Farm, which is 130% more than adult rates. At-fault accidents increase premiums to $760 annually through State Farm, a 23% jump.

DUI and speeding violations both cost $705 per year with State Farm. The modest premium increases for various violations make Everett relatively affordable for drivers with past infractions.

GEICO offers the cheapest minimum coverage in Everett at $616 per year, 19% below the city average of $1,162. GEICO charges $1,346 annually for full coverage. 

American Family costs $1,254 per year for minimum coverage. Everett's rates stay moderate compared to Seattle's higher costs. Competition between GEICO and State Farm keeps local rates reasonable despite Washington's expensive insurance market.

Adult drivers in Everett get the lowest rates at $616 annually through GEICO. Young drivers pay $1,418 per year with State Farm, a 130% premium over adults. 

Seniors pay $771 annually through State Farm. The youth premium reflects Washington's high accident rates among inexperienced drivers. 

Everett's age-based pricing is more affordable than Seattle's. Young drivers benefit from Everett's competitive market, with rates lower than many comparable Washington cities.

GEICO offers the best rates for clean-record drivers in Everett at $616 per year. At-fault accidents increase costs to $760 annually through State Farm, a 23% rise. 

DUI violations and speeding tickets both cost $705 per year with State Farm, showing consistent pricing across violation types. State Farm's approach to violations provides value for drivers with past incidents. 

Maintaining a clean record saves Everett drivers about $145 annually compared to violation rates.

GEICO ranks as the best car insurance company in Everett with a MoneyGeek score of 92.94, combining low rates with strong digital service. Progressive scores 91.11, offering competitive pricing and extensive coverage options. 

GEICO's top ranking reflects its efficient online platform, competitive underwriting and responsive mobile app. Progressive appeals to drivers seeking usage-based insurance programs and transparent rate comparison. 

These insurers maintain excellent financial strength and customer satisfaction ratings, providing Everett residents with dependable coverage backed by stable, nationally recognized companies.

Car insurance in Everett averages $1,162 per year. Minimum coverage costs about $97 monthly while full coverage runs $1,162 annually.

These rates position Everett below Seattle's costs but above Washington's most affordable rural areas. GEICO provides coverage below the market average at $616 annually for minimum coverage, demonstrating significant savings through smart insurer selection.

Everett's moderate rates reflect its suburban location and diverse driver demographics, with competitive options from GEICO and State Farm helping residents find quality protection at reasonable prices.

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.

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.

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.

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.

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): We evaluated quotes for common driver profiles and compared rates to competitors within the city.
• Customer experience (30% of score): We used Google reviews, J.D. Power, AM Best and Reddit to evaluate customer sentiment and experiences.
• Coverage options (10% of score): We evaluated the number of coverage options and the uniqueness of each provider's offerings and benefits.