Compare Lakewood, WA Car Insurance Rates (2021)

Car insurance in Lakewood, WA averages $302 a month. Lakewood, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Lakewood car insurance rates, compare quotes from the top car insurance companies in Lakewood, 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 Lakewood is USAA
  • Average car insurance rates in Lakewood, WA are $3,626/year
  • The cheapest car insurance company in Lakewood for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Lakewood, WA car insurance rates? Every Lakewood, 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 Lakewood, 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 $2,654 $2,608 $2,460 $2,589 $10,089 $11,734 $2,807 $2,902
American Family $2,226 $2,226 $2,035 $2,035 $8,515 $11,583 $2,226 $2,962
Farmers $2,671 $2,745 $2,444 $2,790 $6,184 $6,650 $3,372 $3,467
GEICO $2,124 $2,161 $1,991 $1,991 $4,646 $6,044 $3,604 $2,606
Liberty Mutual $2,048 $2,239 $1,833 $2,159 $11,564 $12,698 $2,181 $2,369
Nationwide $1,677 $1,713 $1,561 $1,623 $4,617 $5,597 $2,012 $2,166
Progressive $1,743 $1,620 $1,576 $1,594 $8,950 $10,015 $2,076 $2,053
State Farm $1,994 $1,994 $1,802 $1,802 $5,829 $7,364 $2,270 $2,605
USAA $1,266 $1,247 $1,226 $1,224 $5,646 $6,647 $1,605 $1,758

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Minimum Car Insurance in Lakewood, WA

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

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

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

Annual Car Insurance Rates by Credit Score in Lakewood, Washington

Insurance Company Poor Fair Good
Allstate $5,847 $4,496 $3,849
American Family $4,985 $4,074 $3,619
Farmers $4,602 $3,506 $3,263
GEICO $3,745 $2,996 $2,697
Liberty Mutual $6,627 $4,083 $3,199
Nationwide $3,125 $2,449 $2,289
Progressive $4,071 $3,643 $3,397
State Farm $4,652 $2,795 $2,175
USAA $3,250 $2,384 $2,098

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

Annual Lakewood, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,929 $4,990 $5,569 $4,433
American Family $3,383 $4,342 $5,024 $4,154
Farmers $3,145 $3,926 $4,183 $3,908
GEICO $2,438 $3,105 $4,603 $2,438
Liberty Mutual $3,951 $4,989 $5,080 $4,526
Nationwide $2,038 $2,758 $3,459 $2,228
Progressive $2,994 $4,716 $3,490 $3,614
State Farm $2,911 $3,504 $3,207 $3,207
USAA $1,887 $2,744 $3,445 $2,233

Cheapest Lakewood, WA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lakewood, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,089 $11,734
American Family $8,515 $11,583
Farmers $6,184 $6,650
GEICO $4,646 $6,044
Liberty Mutual $11,564 $12,698
Nationwide $4,617 $5,597
Progressive $8,950 $10,015
State Farm $5,829 $7,364
USAA $5,646 $6,647

Cheapest Lakewood, WA Car Insurance for Seniors

Take a look at Lakewood, 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 Lakewood, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,460 $2,589
American Family $2,035 $2,035
Farmers $2,444 $2,790
GEICO $1,991 $1,991
Liberty Mutual $1,833 $2,159
Nationwide $1,561 $1,623
Progressive $1,576 $1,594
State Farm $1,802 $1,802
USAA $1,226 $1,224

Cheapest Lakewood, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lakewood, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,569
American Family $5,024
Farmers $4,183
GEICO $4,603
Liberty Mutual $5,080
Nationwide $3,459
Progressive $3,490
State Farm $3,207
USAA $3,445

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Cheapest Lakewood, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lakewood, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,730 $4,730
American Family $4,140 $4,311
Farmers $3,790 $3,790
GEICO $3,106 $3,186
Liberty Mutual $4,636 $4,636
Nationwide $2,621 $2,621
Progressive $3,703 $3,703
State Farm $3,118 $3,296
USAA $2,552 $2,603

Cheapest Lakewood, WA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Lakewood, Washington

ZIP Code Average Annual Rates
98498 $3,580
98499 $3,680

The Best Cheap Car Insurance Companies in Lakewood, WA

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

Average Annual Car Insurance Rates by Company in Lakewood, Washington

Insurance Company Average Annual Rates
Allstate $4,730
American Family $4,226
Farmers $3,790
GEICO $3,146
Liberty Mutual $4,636
Nationwide $2,621
Progressive $3,703
State Farm $3,207
USAA $2,577

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Category Winners: Cheapest Car Insurance in Lakewood, Washington

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

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

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

Annual Car Insurance Rates by Coverage Level in Lakewood, Washington

Insurance Company Low Medium High
Allstate $4,419 $4,714 $5,058
American Family $3,981 $4,221 $4,476
Farmers $3,501 $3,789 $4,081
GEICO $2,926 $3,147 $3,364
Liberty Mutual $4,336 $4,646 $4,928
Nationwide $2,464 $2,620 $2,779
Progressive $3,310 $3,592 $4,208
State Farm $2,970 $3,222 $3,430
USAA $2,399 $2,577 $2,755

What affects car insurance rates in Lakewood, Washington?

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

Car Theft in Lakewood

High levels of vehicle theft can make car insurance more expensive. Lakewood, WA car theft statistics from the FBI indicate 393 vehicle thefts a year.

Commute Time in Lakewood

The more time you spend in your car the higher the risk of an accident. The average commute length in Lakewood, WA is 29.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Lakewood, WA

Ready to find affordable Lakewood, Washington car insurance today? Enter your ZIP code for fast, free Lakewood, 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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