Compare Cottage Lake, WA Car Insurance Rates (2021)

Car insurance in Cottage Lake, WA averages $283 a month. Cottage Lake, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Cottage Lake car insurance rates, compare quotes from the top car insurance companies in Cottage Lake, 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

  • Average car insurance rates in Cottage Lake, WA are $3,392/year
  • The cheapest car insurance company in Cottage Lake for teen drivers is Nationwide
  • The cheapest ZIP code in Cottage Lake is 98052

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

You’ll find Cottage Lake car insurance rates, the cheapest Cottage Lake, WA car insurance companies, and information on Washington car insurance laws. You can also compare Cottage Lake, Washington car insurance rates to Spokane Valley car insurance rates, Bellevue car insurance rates, and Everett car insurance rates.

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

Cheapest Cottage Lake, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cottage Lake, WA car insurance rates? Every Cottage Lake, 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 Cottage Lake, 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 $2,382 $2,348 $2,207 $2,317 $8,815 $10,239 $2,525 $2,618
American Family $2,300 $2,300 $2,102 $2,102 $8,869 $12,073 $2,300 $3,068
Farmers $2,276 $2,337 $2,083 $2,363 $5,275 $5,678 $2,873 $2,984
GEICO $1,886 $1,918 $1,764 $1,764 $4,202 $5,463 $3,243 $2,320
Liberty Mutual $1,964 $2,137 $1,749 $2,054 $11,144 $12,232 $2,077 $2,251
Nationwide $1,563 $1,597 $1,453 $1,512 $4,341 $5,269 $1,880 $2,025
Progressive $1,695 $1,579 $1,535 $1,552 $8,731 $9,759 $2,024 $2,006
State Farm $1,840 $1,840 $1,659 $1,659 $5,425 $6,864 $2,098 $2,414
USAA $1,190 $1,171 $1,153 $1,147 $5,273 $6,220 $1,503 $1,643

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Minimum Car Insurance in Cottage Lake, WA

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

Minimum Required Car Insurance Coverage in Cottage Lake, 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 Cottage Lake, WA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Cottage Lake, Washington

Insurance Company Poor Fair Good
Allstate $5,167 $3,973 $3,404
American Family $5,181 $4,231 $3,756
Farmers $3,927 $2,990 $2,784
GEICO $3,357 $2,686 $2,418
Liberty Mutual $6,354 $3,923 $3,075
Nationwide $2,930 $2,294 $2,141
Progressive $3,964 $3,551 $3,314
State Farm $4,328 $2,589 $2,008
USAA $3,039 $2,232 $1,966

Cheapest Cottage Lake, 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 Cottage Lake, WA to rates for a clean record with top companies.

Annual Cottage Lake, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,488 $4,402 $4,909 $3,926
American Family $3,510 $4,512 $5,220 $4,315
Farmers $2,672 $3,333 $3,601 $3,328
GEICO $2,180 $2,783 $4,136 $2,180
Liberty Mutual $3,793 $4,788 $4,876 $4,346
Nationwide $1,907 $2,583 $3,244 $2,085
Progressive $2,917 $4,599 $3,402 $3,522
State Farm $2,697 $3,252 $2,975 $2,975
USAA $1,771 $2,574 $3,208 $2,096

Cheapest Cottage Lake, WA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottage Lake, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,815 $10,239
American Family $8,869 $12,073
Farmers $5,275 $5,678
GEICO $4,202 $5,463
Liberty Mutual $11,144 $12,232
Nationwide $4,341 $5,269
Progressive $8,731 $9,759
State Farm $5,425 $6,864
USAA $5,273 $6,220

Cheapest Cottage Lake, WA Car Insurance for Seniors

Take a look at Cottage Lake, 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 Cottage Lake, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,207 $2,317
American Family $2,102 $2,102
Farmers $2,083 $2,363
GEICO $1,764 $1,764
Liberty Mutual $1,749 $2,054
Nationwide $1,453 $1,512
Progressive $1,535 $1,552
State Farm $1,659 $1,659
USAA $1,153 $1,147

Cheapest Cottage Lake, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottage Lake, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,909
American Family $5,220
Farmers $3,601
GEICO $4,136
Liberty Mutual $4,876
Nationwide $3,244
Progressive $3,402
State Farm $2,975
USAA $3,208

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Cheapest Cottage Lake, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottage Lake, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,181 $4,181
American Family $4,300 $4,478
Farmers $3,234 $3,234
GEICO $2,784 $2,856
Liberty Mutual $4,451 $4,451
Nationwide $2,455 $2,455
Progressive $3,610 $3,610
State Farm $2,892 $3,058
USAA $2,389 $2,436

Cheapest Cottage Lake, WA Car Insurance Rates by ZIP Code

Cottage Lake car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cottage Lake, WA.

Annual Car Insurance Rates by ZIP Code in Cottage Lake, Washington

ZIP Code Average Annual Rates
98052 $3,331
98072 $3,406
98077 $3,465

The Best Cheap Car Insurance Companies in Cottage Lake, WA

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

Average Annual Car Insurance Rates by Company in Cottage Lake, Washington

Insurance Company Average Annual Rates
Allstate $4,181
American Family $4,389
Farmers $3,234
GEICO $2,820
Liberty Mutual $4,451
Nationwide $2,455
Progressive $3,610
State Farm $2,975
USAA $2,412

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Category Winners: Cheapest Car Insurance in Cottage Lake, Washington

Find the cheapest car insurance companies in Cottage Lake, WA for each category right here.

Best Annual Car Insurance Rates by Company in Cottage Lake, Washington

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

Cheapest Cottage Lake, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cottage Lake, Washington

Insurance Company Low Medium High
Allstate $3,944 $4,168 $4,432
American Family $4,140 $4,385 $4,642
Farmers $3,005 $3,238 $3,458
GEICO $2,643 $2,824 $2,993
Liberty Mutual $4,190 $4,463 $4,700
Nationwide $2,322 $2,456 $2,588
Progressive $3,255 $3,517 $4,058
State Farm $2,766 $2,990 $3,168
USAA $2,259 $2,412 $2,566

What affects car insurance rates in Cottage Lake, Washington?

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

Commute Time in Cottage Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottage Lake, WA is 32.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Cottage Lake, WA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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