Compare Ellensburg, WA Car Insurance Rates (2021)

Car insurance in Ellensburg, WA averages $221 a month. Ellensburg, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ellensburg car insurance rates, compare quotes from the top car insurance companies in Ellensburg, 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 Ellensburg is Nationwide
  • The cheapest car insurance company in Ellensburg for teen drivers is Nationwide
  • Average car insurance rates in Ellensburg, WA are $2,651/year

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

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

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

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

How do age, gender, and marital status affect Ellensburg, WA car insurance rates? Every Ellensburg, 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 Ellensburg, 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 $1,940 $1,921 $1,792 $1,876 $6,685 $7,727 $2,062 $2,143
American Family $1,706 $1,706 $1,557 $1,557 $6,483 $8,886 $1,706 $2,304
Farmers $1,737 $1,780 $1,592 $1,787 $3,898 $4,172 $2,183 $2,291
GEICO $1,659 $1,689 $1,558 $1,558 $3,622 $4,731 $2,813 $2,042
Liberty Mutual $1,658 $1,815 $1,488 $1,743 $9,072 $10,008 $1,780 $1,944
Nationwide $1,201 $1,227 $1,117 $1,162 $3,178 $3,877 $1,424 $1,537
Progressive $1,394 $1,301 $1,255 $1,269 $7,029 $7,888 $1,669 $1,665
State Farm $1,294 $1,294 $1,160 $1,160 $3,704 $4,696 $1,469 $1,692
USAA $995 $983 $956 $958 $4,146 $4,904 $1,252 $1,370

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Minimum Car Insurance in Ellensburg, WA

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

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

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

Annual Car Insurance Rates by Credit Score in Ellensburg, Washington

Insurance Company Poor Fair Good
Allstate $4,060 $3,091 $2,653
American Family $3,823 $3,120 $2,771
Farmers $2,979 $2,232 $2,080
GEICO $2,927 $2,342 $2,108
Liberty Mutual $5,270 $3,246 $2,550
Nationwide $2,184 $1,726 $1,611
Progressive $3,235 $2,883 $2,682
State Farm $2,993 $1,792 $1,391
USAA $2,455 $1,799 $1,582

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

Annual Ellensburg, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,757 $3,437 $3,801 $3,078
American Family $2,600 $3,322 $3,848 $3,181
Farmers $2,012 $2,496 $2,719 $2,494
GEICO $1,898 $2,427 $3,613 $1,898
Liberty Mutual $3,151 $3,959 $4,044 $3,601
Nationwide $1,436 $1,935 $2,423 $1,568
Progressive $2,379 $3,712 $2,775 $2,869
State Farm $1,875 $2,243 $2,059 $2,059
USAA $1,436 $2,070 $2,582 $1,694

Cheapest Ellensburg, WA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ellensburg, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,685 $7,727
American Family $6,483 $8,886
Farmers $3,898 $4,172
GEICO $3,622 $4,731
Liberty Mutual $9,072 $10,008
Nationwide $3,178 $3,877
Progressive $7,029 $7,888
State Farm $3,704 $4,696
USAA $4,146 $4,904

Cheapest Ellensburg, WA Car Insurance for Seniors

Take a look at Ellensburg, 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 Ellensburg, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,792 $1,876
American Family $1,557 $1,557
Farmers $1,592 $1,787
GEICO $1,558 $1,558
Liberty Mutual $1,488 $1,743
Nationwide $1,117 $1,162
Progressive $1,255 $1,269
State Farm $1,160 $1,160
USAA $956 $958

Cheapest Ellensburg, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ellensburg, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
American Family $3,848
Farmers $2,719
GEICO $3,613
Liberty Mutual $4,044
Nationwide $2,423
Progressive $2,775
State Farm $2,059
USAA $2,582

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Cheapest Ellensburg, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ellensburg, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,268 $3,268
American Family $3,171 $3,304
Farmers $2,430 $2,430
GEICO $2,428 $2,490
Liberty Mutual $3,689 $3,689
Nationwide $1,840 $1,840
Progressive $2,934 $2,934
State Farm $2,002 $2,115
USAA $1,926 $1,965

The Best Cheap Car Insurance Companies in Ellensburg, WA

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

Average Annual Car Insurance Rates by Company in Ellensburg, Washington

Insurance Company Average Annual Rates
Allstate $3,268
American Family $3,238
Farmers $2,430
GEICO $2,459
Liberty Mutual $3,689
Nationwide $1,840
Progressive $2,934
State Farm $2,059
USAA $1,945

Category Winners: Cheapest Car Insurance in Ellensburg, Washington

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

Best Annual Car Insurance Rates by Company in Ellensburg, Washington

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

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Cheapest Ellensburg, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ellensburg, Washington

Insurance Company Low Medium High
Allstate $3,083 $3,258 $3,464
American Family $3,074 $3,233 $3,407
Farmers $2,277 $2,432 $2,581
GEICO $2,324 $2,460 $2,592
Liberty Mutual $3,469 $3,694 $3,902
Nationwide $1,749 $1,840 $1,931
Progressive $2,665 $2,856 $3,280
State Farm $1,932 $2,067 $2,177
USAA $1,821 $1,943 $2,072

What affects car insurance rates in Ellensburg, Washington?

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

Car Theft in Ellensburg

High levels of vehicle theft can make car insurance more expensive. Ellensburg, WA car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Ellensburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Ellensburg, WA is 15.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ellensburg, WA

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

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