Cheapest and Best Car Insurance Companies in Everett, WA

The best Everett car insurance provider for you depends on your situation and needs.

For instance, while PEMCO is the cheapest for most drivers, teens and their families may save more with Kemper.

If you want to focus on customer service, Chubb might provide you a good deal.

These are the most budget-friendly car insurance companies for minimum coverage policies in Everett:

• PEMCO: $287 per year
• Capital Insurance Group: $366 per year

PEMCO is also the cheapest car insurance in most of Washington as of October 2022. National General offers the most expensive policies at around $812 each year.

Per Washington law, a minimum car insurance policy should include:

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

Say you have a policy with $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. In that case, the insurer will cover those amounts maximum. You're responsible for any amount beyond $25k for a person or $50k for an accident.

These companies provide the most affordable full-coverage policies in Everett:

• PEMCO: $551 per year
• Capital Insurance Group: $748 per year

Dairyland offers the most expensive full-coverage car insurance policy at $4,388 per year.

Statewide, PEMCO offers the cheapest full-coverage car insurance at approximately $441 annually as of October 2022. The price difference is because a statewide average includes every big city and small town. In contrast, the local average considers only the cost in Everett.

A full-coverage car insurance policy includes comprehensive and collision insurance.

• Collision Insurance: If your vehicle is damaged in a collision that's your fault, this covers repairs.
• Comprehensive Insurance: This pays for repairs if your car is damaged due to problems like bad weather, vandalism or theft.

A full coverage policy may not be worth it for an older vehicle. If a vehicle is worth little money, replacing it may make more sense than paying a lot to cover potential damages.

The most affordable auto insurance providers for those with iffy driving records in Everett are:

• Speeding ticket: PEMCO ($756 per year)
• At-fault accident: PEMCO ($690 per year)
• DUI: PEMCO ($980 per year)

Kemper is the most expensive for those with a DUI. Dairyland is the most expensive for people with accidents and tickets on their records.

Rates for drivers with less-than-ideal records may vary widely from company to company.

More serious offenses usually result in higher insurance costs. For example, even with the cheapest car insurance for high-risk drivers in Everett, you should expect to pay at least $224 more for a DUI than a speeding ticket.

For a young driver added to a family policy in Everett, these are the most cost-effective insurers:

• Kemper: $1,819 per year for female teens and $1,890 per year for male teens
• Nationwide: $2,042 per year for female teens
• Capital Insurance Group: $2,173 per year for male teens

Progressive offers the most expensive for teens on a family policy at around $4,368 for female teens per year and $4,816 for male teens.

Male teens generally pay more than female teens because the former are considered bigger risks. For the cheapest company, for example, male teens pay around $71 more than female teens. This disparity narrows as they enter adulthood.

Individual policies for teenagers are typically much more expensive than family ones. Male teens in Everett, for example, may owe as much as $2,381 more for their own policy than if added to their parents' policy.

Taking steps to get the most affordable vehicle insurance for teenagers might save families hundreds of dollars annually.

Everett-based military individuals and families may get the best full coverage auto insurance rates from:

• PEMCO: $551 per year
• USAA: $579 per year

USAA is a low-cost option for military members and their families. PEMCO is a bit less expensive and available to more people.

Getting an auto insurance quote online might take up to 15 minutes and require a ton of personal information.

So instead, get a fast and fairly reliable approximation using only your age, vehicle type, coverage level and driving record with MoneyGeek's auto insurance calculator.

How much you care about price, service coverage and other variables determines which auto insurance policy is right for you. For MoneyGeek, these are the top car insurance companies in Everett:

• Best overall: Chubb (MoneyGeek score 84 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 85 out of 100)

Chubb is also the best car insurance company in Washington.

MoneyGeek scores might shift depending on how the elements are weighted in each category. For those who belong to the military community, for instance, USAA might be a good consideration.

The top-rated auto insurance providers in Everett are:

• Chubb: MoneyGeek score 84 out of 100 ($1,058 per year)
• Capital Insurance Group: MoneyGeek score 80 out of 100 ($748 per year)

Satisfied customers and competitive pricing are two of Chubb's greatest assets. These aspects are directly related to the quality of service customers get from their insurance provider.

The military community should explore USAA, which has a MoneyGeek score of 84 out of 100.

With price taken out of the equation, the top-rated firms in Everett for customer satisfaction are:

• Chubb: MoneyGeek score 76 out of 100 ($1,058 per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($748 per year)

Some may find Chubb's premiums steep, but its customer service and claims processing are highly regarded. So, it may be worth the cost.

As determined by an evaluation of price and quality of service for plans offering the bare minimum mandated by Washington state law, the following are on top:

• Chubb: MoneyGeek score 85 out of 100 ($477 per year)
• Capital Insurance Group: MoneyGeek score 80 out of 100 ($366 per year)

Minimum liability insurance plans in Everett are the least expensive. But they usually provide no coverage for repairs to your car.

MoneyGeek's research found the average cost of full coverage auto insurance in Everett is $1,161 as of October 2022. This is $8 more than the average cost of car insurance throughout the U.S. and $96 more than Washington’s median premium for auto insurance.

Prices take several factors into account, location being only one of them. So, costs vary accordingly. These full coverage costs include medical payments coverage of $100,000 per person, bodily injury coverage of $300,000 per accident and property damage coverage of $100,000 per incident.