Compare Olympia, WA Car Insurance Rates (2022)

Car insurance in Olympia, WA averages $241 a month. Olympia, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Olympia car insurance rates, compare quotes from the top car insurance companies in Olympia, WA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • Average car insurance rates in Olympia, WA are $2,891/year
  • The cheapest car insurance company in Olympia for teen drivers is Nationwide
  • Average car insurance rates in Olympia, WA after a DUI are $3,371/year

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

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

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

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

How do age, gender, and marital status affect Olympia, WA car insurance rates? Every Olympia, 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 Olympia, 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 $1,949 $1,927 $1,802 $1,888 $6,799 $7,863 $2,069 $2,146
American Family $1,866 $1,866 $1,705 $1,705 $7,113 $9,700 $1,866 $2,496
Farmers $1,874 $1,923 $1,716 $1,942 $4,288 $4,607 $2,360 $2,454
GEICO $1,706 $1,737 $1,600 $1,600 $3,712 $4,847 $2,885 $2,097
Liberty Mutual $1,695 $1,853 $1,518 $1,777 $9,424 $10,392 $1,811 $1,971
Nationwide $1,380 $1,410 $1,284 $1,336 $3,749 $4,547 $1,649 $1,776
Progressive $1,518 $1,415 $1,368 $1,385 $7,665 $8,582 $1,812 $1,800
State Farm $1,603 $1,603 $1,443 $1,443 $4,681 $5,923 $1,825 $2,096
USAA $1,141 $1,126 $1,101 $1,102 $4,950 $5,838 $1,443 $1,581

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Minimum Car Insurance in Olympia, WA

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

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

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

Annual Car Insurance Rates by Credit Score in Olympia, Washington

Insurance Company Poor Fair Good
Allstate $4,104 $3,128 $2,684
American Family $4,177 $3,412 $3,030
Farmers $3,220 $2,442 $2,275
GEICO $3,003 $2,403 $2,163
Liberty Mutual $5,436 $3,350 $2,629
Nationwide $2,549 $2,003 $1,872
Progressive $3,519 $3,138 $2,922
State Farm $3,747 $2,244 $1,741
USAA $2,883 $2,114 $1,859

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

Annual Olympia, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,784 $3,478 $3,848 $3,112
American Family $2,837 $3,635 $4,207 $3,479
Farmers $2,190 $2,726 $2,945 $2,722
GEICO $1,949 $2,490 $3,704 $1,949
Liberty Mutual $3,247 $4,089 $4,170 $3,715
Nationwide $1,669 $2,252 $2,821 $1,823
Progressive $2,586 $4,048 $3,017 $3,121
State Farm $2,340 $2,815 $2,577 $2,577
USAA $1,678 $2,432 $3,049 $1,983

Cheapest Olympia, WA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Olympia, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,799 $7,863
American Family $7,113 $9,700
Farmers $4,288 $4,607
GEICO $3,712 $4,847
Liberty Mutual $9,424 $10,392
Nationwide $3,749 $4,547
Progressive $7,665 $8,582
State Farm $4,681 $5,923
USAA $4,950 $5,838

Cheapest Olympia, WA Car Insurance for Seniors

Take a look at Olympia, 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 Olympia, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,802 $1,888
American Family $1,705 $1,705
Farmers $1,716 $1,942
GEICO $1,600 $1,600
Liberty Mutual $1,518 $1,777
Nationwide $1,284 $1,336
Progressive $1,368 $1,385
State Farm $1,443 $1,443
USAA $1,101 $1,102

Cheapest Olympia, WA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Olympia, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,848
American Family $4,207
Farmers $2,945
GEICO $3,704
Liberty Mutual $4,170
Nationwide $2,821
Progressive $3,017
State Farm $2,577
USAA $3,049

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Cheapest Olympia, WA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Olympia, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,306 $3,306
American Family $3,467 $3,612
Farmers $2,646 $2,646
GEICO $2,491 $2,555
Liberty Mutual $3,805 $3,805
Nationwide $2,141 $2,141
Progressive $3,193 $3,193
State Farm $2,505 $2,649
USAA $2,263 $2,308

Cheapest Olympia, WA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Olympia, Washington

ZIP Code Average Annual Rates
98501 $2,919
98502 $2,859
98505 $2,925
98506 $2,892
98512 $2,852
98513 $2,945
98516 $2,940

The Best Cheap Car Insurance Companies in Olympia, WA

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

Average Annual Car Insurance Rates by Company in Olympia, Washington

Insurance Company Average Annual Rates
Allstate $3,306
American Family $3,540
Farmers $2,646
GEICO $2,523
Liberty Mutual $3,805
Nationwide $2,141
Progressive $3,193
State Farm $2,577
USAA $2,285

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Category Winners: Cheapest Car Insurance in Olympia, Washington

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

Best Annual Car Insurance Rates by Company in Olympia, 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

Cheapest Olympia, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Olympia, Washington

Insurance Company Low Medium High
Allstate $3,109 $3,295 $3,513
American Family $3,342 $3,535 $3,742
Farmers $2,463 $2,648 $2,826
GEICO $2,358 $2,525 $2,687
Liberty Mutual $3,575 $3,812 $4,029
Nationwide $2,021 $2,141 $2,262
Progressive $2,884 $3,106 $3,589
State Farm $2,397 $2,590 $2,745
USAA $2,130 $2,284 $2,442

What affects car insurance rates in Olympia, Washington?

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

Car Theft in Olympia

High levels of vehicle theft can make car insurance more expensive. Olympia, WA car theft statistics from the FBI indicate 227 vehicle thefts a year.

Commute Time in Olympia

The more time you spend in your car the higher the risk of an accident. The average commute length in Olympia, WA is 21.3 minutes according to City-Data.

Traffic in Olympia

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Olympia, WA traffic data from INRIX ranks Olympia as the 976th-most congested in the world.

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Compare Car Insurance Quotes in Olympia, WA

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