Compare Lacey, WA Car Insurance Rates (2021)

Car insurance in Lacey, WA averages $247 a month. Lacey, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Lacey car insurance rates, compare quotes from the top car insurance companies in Lacey, 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 Lacey, WA are $2,969/year
  • The cheapest car insurance company in Lacey for teen drivers is Nationwide
  • Average car insurance rates in Lacey, WA after a DUI are $3,461/year

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

You’ll find Lacey car insurance rates, the cheapest Lacey, WA car insurance companies, and information on Washington car insurance laws. You can also compare Lacey, Washington car insurance rates to Spokane Valley car insurance rates, Kent car insurance rates, and Renton car insurance rates.

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

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

How do age, gender, and marital status affect Lacey, WA car insurance rates? Every Lacey, 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 Lacey, 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 $2,019 $1,994 $1,869 $1,959 $7,159 $8,287 $2,140 $2,217
American Family $1,941 $1,941 $1,774 $1,774 $7,394 $10,079 $1,941 $2,593
Farmers $1,979 $2,031 $1,812 $2,053 $4,543 $4,882 $2,495 $2,592
GEICO $1,706 $1,737 $1,600 $1,600 $3,712 $4,847 $2,885 $2,097
Liberty Mutual $1,793 $1,964 $1,610 $1,894 $10,088 $11,088 $1,913 $2,076
Nationwide $1,379 $1,409 $1,285 $1,336 $3,747 $4,542 $1,649 $1,775
Progressive $1,510 $1,406 $1,362 $1,378 $7,656 $8,569 $1,801 $1,787
State Farm $1,603 $1,603 $1,443 $1,443 $4,681 $5,923 $1,825 $2,096
USAA $1,150 $1,133 $1,112 $1,110 $5,033 $5,934 $1,453 $1,589

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Minimum Car Insurance in Lacey, WA

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

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

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

Annual Car Insurance Rates by Credit Score in Lacey, Washington

Insurance Company Poor Fair Good
Allstate $4,284 $3,275 $2,808
American Family $4,341 $3,547 $3,151
Farmers $3,406 $2,583 $2,406
GEICO $3,003 $2,403 $2,163
Liberty Mutual $5,790 $3,570 $2,799
Nationwide $2,547 $2,001 $1,872
Progressive $3,506 $3,130 $2,915
State Farm $3,747 $2,244 $1,741
USAA $2,918 $2,140 $1,884

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

Annual Lacey, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,905 $3,635 $4,031 $3,251
American Family $2,949 $3,779 $4,374 $3,616
Farmers $2,316 $2,885 $3,113 $2,879
GEICO $1,949 $2,490 $3,704 $1,949
Liberty Mutual $3,455 $4,362 $4,440 $3,957
Nationwide $1,669 $2,251 $2,819 $1,822
Progressive $2,578 $4,040 $3,006 $3,110
State Farm $2,340 $2,815 $2,577 $2,577
USAA $1,698 $2,464 $3,085 $2,008

Cheapest Lacey, WA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lacey, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,159 $8,287
American Family $7,394 $10,079
Farmers $4,543 $4,882
GEICO $3,712 $4,847
Liberty Mutual $10,088 $11,088
Nationwide $3,747 $4,542
Progressive $7,656 $8,569
State Farm $4,681 $5,923
USAA $5,033 $5,934

Cheapest Lacey, WA Car Insurance for Seniors

Take a look at Lacey, 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 Lacey, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,869 $1,959
American Family $1,774 $1,774
Farmers $1,812 $2,053
GEICO $1,600 $1,600
Liberty Mutual $1,610 $1,894
Nationwide $1,285 $1,336
Progressive $1,362 $1,378
State Farm $1,443 $1,443
USAA $1,112 $1,110

Cheapest Lacey, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lacey, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,031
American Family $4,374
Farmers $3,113
GEICO $3,704
Liberty Mutual $4,440
Nationwide $2,819
Progressive $3,006
State Farm $2,577
USAA $3,085

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Cheapest Lacey, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lacey, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
American Family $3,605 $3,754
Farmers $2,799 $2,799
GEICO $2,491 $2,555
Liberty Mutual $4,053 $4,053
Nationwide $2,140 $2,140
Progressive $3,184 $3,184
State Farm $2,505 $2,649
USAA $2,291 $2,337

The Best Cheap Car Insurance Companies in Lacey, WA

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

Average Annual Car Insurance Rates by Company in Lacey, Washington

Insurance Company Average Annual Rates
Allstate $3,456
American Family $3,679
Farmers $2,799
GEICO $2,523
Liberty Mutual $4,053
Nationwide $2,140
Progressive $3,184
State Farm $2,577
USAA $2,314

Category Winners: Cheapest Car Insurance in Lacey, Washington

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

Best Annual Car Insurance Rates by Company in Lacey, 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 Lacey, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lacey, Washington

Insurance Company Low Medium High
Allstate $3,252 $3,444 $3,670
American Family $3,472 $3,674 $3,891
Farmers $2,603 $2,801 $2,992
GEICO $2,358 $2,525 $2,687
Liberty Mutual $3,786 $4,062 $4,313
Nationwide $2,018 $2,140 $2,262
Progressive $2,872 $3,097 $3,582
State Farm $2,397 $2,590 $2,745
USAA $2,158 $2,313 $2,471

What affects car insurance rates in Lacey, Washington?

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

Car Theft in Lacey

High levels of vehicle theft can make car insurance more expensive. Lacey, WA car theft statistics from the FBI indicate 97 vehicle thefts a year.

Commute Time in Lacey

The more time you spend in your car the higher the risk of an accident. The average commute length in Lacey, WA is 26.4 minutes according to City-Data.

Compare Car Insurance Quotes in Lacey, WA

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

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