Compare Birch Bay, WA Car Insurance Rates (2021)

Car insurance in Birch Bay, WA averages $220 a month. Birch Bay, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Birch Bay car insurance rates, compare quotes from the top car insurance companies in Birch Bay, WA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Birch Bay is Nationwide
  • The cheapest car insurance company in Birch Bay for teen drivers is Nationwide
  • Average car insurance rates in Birch Bay, WA are $2,645/year

If you need to buy Birch Bay, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Birch Bay, WA is right here.

You’ll find Birch Bay car insurance rates, the cheapest Birch Bay, WA car insurance companies, and information on Washington car insurance laws. You can also compare Birch Bay, Washington car insurance rates to Vancouver car insurance rates, Federal Way car insurance rates, and Everett car insurance rates.

Ready to find affordable Birch Bay, WA car insurance today? Enter your ZIP code for fast, free Birch Bay car insurance quotes.

Cheapest Birch Bay, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Birch Bay, WA car insurance rates? Every Birch Bay, Washington car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Birch Bay, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,731 $1,720 $1,598 $1,670 $5,739 $6,609 $1,845 $1,918
American Family $1,826 $1,826 $1,670 $1,670 $6,969 $9,492 $1,826 $2,435
Farmers $1,690 $1,732 $1,548 $1,743 $3,800 $4,068 $2,124 $2,221
GEICO $1,685 $1,715 $1,581 $1,581 $3,679 $4,793 $2,856 $2,070
Liberty Mutual $1,593 $1,747 $1,433 $1,680 $8,772 $9,671 $1,710 $1,863
Nationwide $1,246 $1,273 $1,161 $1,206 $3,313 $4,024 $1,480 $1,594
Progressive $1,330 $1,241 $1,198 $1,213 $6,704 $7,509 $1,590 $1,584
State Farm $1,353 $1,353 $1,217 $1,217 $3,886 $4,919 $1,537 $1,766
USAA $1,102 $1,086 $1,060 $1,059 $4,757 $5,634 $1,389 $1,518

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Minimum Car Insurance in Birch Bay, WA

Every driver must carry the minimum car insurance in Birch Bay, WA. Take a look at the Washington car insurance requirements.

Minimum Required Car Insurance Coverage in Birch Bay, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Birch Bay, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Birch Bay, WA. Compare credit history car insurance rates in Birch Bay from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Birch Bay, Washington

Insurance Company Poor Fair Good
Allstate $3,544 $2,698 $2,318
American Family $4,085 $3,340 $2,968
Farmers $2,897 $2,174 $2,026
GEICO $2,970 $2,376 $2,139
Liberty Mutual $5,083 $3,132 $2,460
Nationwide $2,270 $1,791 $1,676
Progressive $3,083 $2,748 $2,558
State Farm $3,129 $1,879 $1,461
USAA $2,776 $2,036 $1,790

Cheapest Birch Bay, WA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Birch Bay, WA to rates for a clean record with top companies.

Annual Birch Bay, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,427 $2,993 $3,299 $2,695
American Family $2,776 $3,558 $4,119 $3,404
Farmers $1,961 $2,433 $2,639 $2,430
GEICO $1,931 $2,462 $3,656 $1,931
Liberty Mutual $3,038 $3,823 $3,899 $3,473
Nationwide $1,494 $2,010 $2,514 $1,630
Progressive $2,267 $3,540 $2,645 $2,734
State Farm $1,962 $2,351 $2,156 $2,156
USAA $1,620 $2,346 $2,921 $1,914

Cheapest Birch Bay, WA Car Insurance for Teen Drivers

Teen car insurance in Birch Bay, WA can be expensive. Take a look at rates from the top car insurance companies in Birch Bay for teenagers.

Annual Car Insurance Rates for Teen Drivers in Birch Bay, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,739 $6,609
American Family $6,969 $9,492
Farmers $3,800 $4,068
GEICO $3,679 $4,793
Liberty Mutual $8,772 $9,671
Nationwide $3,313 $4,024
Progressive $6,704 $7,509
State Farm $3,886 $4,919
USAA $4,757 $5,634

Cheapest Birch Bay, WA Car Insurance for Seniors

Take a look at Birch Bay, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Birch Bay, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,598 $1,670
American Family $1,670 $1,670
Farmers $1,548 $1,743
GEICO $1,581 $1,581
Liberty Mutual $1,433 $1,680
Nationwide $1,161 $1,206
Progressive $1,198 $1,213
State Farm $1,217 $1,217
USAA $1,060 $1,059

Cheapest Birch Bay, WA Car Insurance Rates After a DUI

A DUI in Birch Bay, WA increases car insurance rates. Compare Birch Bay, Washington DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Birch Bay, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,299
American Family $4,119
Farmers $2,639
GEICO $3,656
Liberty Mutual $3,899
Nationwide $2,514
Progressive $2,645
State Farm $2,156
USAA $2,921

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Cheapest Birch Bay, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Birch Bay, WA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Birch Bay, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,854 $2,854
American Family $3,394 $3,534
Farmers $2,366 $2,366
GEICO $2,463 $2,526
Liberty Mutual $3,559 $3,559
Nationwide $1,912 $1,912
Progressive $2,796 $2,796
State Farm $2,097 $2,215
USAA $2,179 $2,222

The Best Cheap Car Insurance Companies in Birch Bay, WA

Take a look at a side-by-side comparison of the top car insurance companies in Birch Bay, WA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Birch Bay, Washington

Insurance Company Average Annual Rates
Allstate $2,854
American Family $3,464
Farmers $2,366
GEICO $2,495
Liberty Mutual $3,559
Nationwide $1,912
Progressive $2,796
State Farm $2,156
USAA $2,201

Category Winners: Cheapest Car Insurance in Birch Bay, Washington

Find the cheapest car insurance companies in Birch Bay, WA for each category right here.

Best Annual Car Insurance Rates by Company in Birch Bay, Washington

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheapest Birch Bay, WA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Birch Bay car insurance rates. Find the cheapest Birch Bay, WA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Birch Bay, Washington

Insurance Company Low Medium High
Allstate $2,714 $2,845 $3,001
American Family $3,268 $3,459 $3,666
Farmers $2,212 $2,367 $2,518
GEICO $2,334 $2,496 $2,655
Liberty Mutual $3,334 $3,564 $3,777
Nationwide $1,807 $1,911 $2,018
Progressive $2,544 $2,726 $3,118
State Farm $2,013 $2,165 $2,291
USAA $2,067 $2,199 $2,336

What affects car insurance rates in Birch Bay, Washington?

What factors can have an impact on Birch Bay, WA car insurance? There are several reasons why Birch Bay car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Birch Bay, Washington.

Commute Time in Birch Bay

The more time you spend in your car the higher the risk of an accident. The average commute length in Birch Bay, WA is 27.0 minutes according to City-Data.

Compare Car Insurance Quotes in Birch Bay, WA

Ready to find affordable Birch Bay, Washington car insurance today? Enter your ZIP code for fast, free Birch Bay, WA car insurance quotes.

Free Car Insurance Comparison

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