Compare the Cheapest Car Insurance Quotes in Everett

Everett’s average car insurance cost is $1,214 per year, 4% less than Washington’s average. PEMCO is Everett’s cheapest, widely available auto insurer, costing roughly $775 per year. MoneyGeek found Everett’s cheapest auto insurance by coverage amount and driving history to help drivers with different profiles. We also uncovered the best companies offering quality service with affordable rates in Everett.

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Last Updated: 5/16/2022
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PEMCO is the cheapest car insurance company in Everett overall, but the most affordable for you may be different. The cheapest state minimum policy is through Progressive, and for drivers with a speeding ticket, GEICO is the lowest-priced. USAA is best for drivers with a military background. MoneyGeek’s best-ranking car insurance company in Everett is Hartford for balancing cost and customer service.

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The Cheapest and Best Car Insurance in Everett

The Cheapest Car Insurance Companies in Everett

MoneyGeek’s research shows the following companies offer, on average, the cheapest full coverage car insurance in Everett:

  • PEMCO: $775 per year
  • GEICO: $786 per year

Eligible active and military veterans and their families can go to USAA for the cheapest full coverage auto policy in Everett at around $592 annually.

MetLife offers the most expensive full coverage policy in Everett, costing around 205.3% more than PEMCO.

Full coverage car insurance combines collision and comprehensive insurance with liability insurance. The amount of liability you choose affects the price.

Cheapest Car Insurance in Everett
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $592
  • 2.
    PEMCO
    $775
  • 3.
    GEICO
    $786
  • 4.
    Progressive
    $887
  • 5.
    State Farm
    $928
  • 6.
    Allied
    $1,117
  • 7.
    Allstate
    $1,130
  • 8.
    Travelers
    $1,214
  • 9.
    American Family
    $1,274
  • 10.
    Farmers
    $1,661
  • 11.
    MetLife
    $2,366

MoneyGeek gathered average rates for a 40-year-old male driver in Everett with a full coverage policy, per our methodology.

You pay more for full coverage auto insurance than state minimum coverage because it adds comprehensive and collision insurance to liability, protecting your vehicle when damaged, which is valuable.

  • Collision insurance: covers repairs or the replacement of your car after an at-fault collision with another vehicle or a stationary object
  • Comprehensive insurance: covers expenses from non-collision damage, such as weather hazards like hail, theft, vandalism, and other incidents

Drivers with an older vehicle could pay more for a full coverage premium than their car’s worth. They should consider a state minimum policy or liability-only insurance for the lowest rate possible.

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Cheapest Car Insurance in Everett for Minimum Coverage

In Everett, a state minimum policy is the most affordable car insurance.

Based on MoneyGeek’s research, these providers offer, on average, the cheapest minimum coverage car insurance in Everett:

  • Progressive: $423 per year
  • GEICO: $437 per year

Eligible active or former military personnel and their families may qualify for USAA, which has the most inexpensive state minimum policy in Everett at around $305 annually.

MetLife is Everett’s provider of the most expensive minimum coverage auto policy, costing around $1,031 more than Progressive.

The downside of a low-cost state minimum policy is the limited protection. It lacks comprehensive and collision coverage and has low levels of liability coverage. View the table below to see how rates change with higher liability coverage.

Cheapest Minimum Liability Car Insurance in Everett
State Minimum

The cheapest available car insurance in Everett is Washington’s state minimum policy. However, it gives you the least protection; it only contains $25,000 per person of bodily injury and $50,000 per accident with $10,000 of property damage liability coverage — Washington’s minimum requirement.

You may save money purchasing minimum coverage, but in an at-fault accident, you could pay out of pocket. For example, a driver at-fault for $35,000 in medical bills for one person pays $10,000 since the policy only covers $25,000.

Washington Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Everett if You Have Driving Violations

A speeding ticket, DUI or at-fault accident usually increases a driver’s car insurance premium in Everett.

According to MoneyGeek’s research, the following companies offer, on average, the cheapest auto insurance with a driving violation:

  • Cheapest after a ticket: GEICO, $786 per year
  • Cheapest after an at-fault accident: PEMCO, $1,049 per year
  • Cheapest after a DUI: State Farm, $1,013 per year

USAA also offers affordable car insurance for drivers with an eligible military background who have a speeding ticket (around $693/year) or an at-fault accident (around $836/year) on their record.

Drivers with a violation can improve their records over time and see their car insurance rate go down. For now, the best option is to compare quotes from multiple companies to find the cheapest auto insurance in Everett with a violation.

Cheapest Car Insurance in Everett With a Violation
Speeding Ticket

Average Cost of Car Insurance in Everett

Everett$1,214
Washington$1,264
U.S.$1,424

The cost of car insurance in Everett is, on average, $1,214 per year. Everett’s average cost is 4% lower than Washington’s average and 14.7% less than the United States average cost of car insurance.

Personalized Quotes to Get You the Cheapest Car Insurance in Everett

In Everett, car insurance companies use factors such as age, gender, car make and model, coverage levels and ZIP code to identify a driver’s risk profile and calculate car insurance quotes. Since insurers have various ways of determining rates, it makes sense to compare quotes from various companies to find the best price available.

Compare Car Insurance Rates in Everett

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Everett

MoneyGeek discovered the best car insurance companies in Everett that balance affordability and service quality. The top-scoring companies are:

  • Hartford: MoneyGeek score of 93 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA gained the highest score in Everett of 100, but we didn’t include it in this analysis since only eligible military personnel, veterans and their families can get a USAA policy. If eligible, it may be your best option for car insurance.

MoneyGeek studied the affordability, J.D. Power user satisfaction scores and financial stability of car insurance companies in Everett to find the overall best.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:92.5

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:77.5

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

A driver’s location affects their car insurance rate. Companies may classify people living in a Washington ZIP code with a higher incidence of, for example, accidents or car theft as riskier to insure. The average cost of car insurance in Everett’s lowest-priced and highest-priced ZIP codes are nearly the same — $1,204 in 98208 (most affordable ZIP code) and $1,223 in 98204 (most expensive ZIP code).

  • Zip Code
    State Minimumper year
  • 98208
    $1,204
  • 98204
    $1,223

Factors That Impact Insurance Costs in Everett

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Everett. How Everett ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities125th/300
handcuffs2 icon
Most Car Thefts256th/300
uninsured icon
Most Uninsured Motorists by State7th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall125th/300
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Most Rainy Days4th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Everett are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.