Compare Olympia, WA Car Insurance Rates [2024]
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
How can I compare car insurance rates in Olympia, WA for 2023?
To compare car insurance rates in Olympia, WA for 2023, research insurance providers, obtain quotes, compare coverage options, consider additional features, evaluate customer reviews, and choose the best policy.
What information is needed to compare car insurance rates in Olympia, WA?
When comparing car insurance rates in Olympia, WA, you’ll typically need to provide personal details, vehicle information, driving history, and desired coverage details.
Are there any specific factors that can affect car insurance rates in Olympia, WA for 2023?
Factors such as location, driving record, vehicle details, coverage options, and credit history can impact car insurance rates in Olympia, WA for 2023.
Can I customize my car insurance coverage in Olympia, WA?
Yes, you can customize your car insurance coverage in Olympia, WA by choosing different coverage options, adjusting coverage limits, and selecting deductibles that suit your needs.
How can my driving record impact the car insurance rates in Old Greenwich, CT?
Your driving record plays a significant role in determining your car insurance rates in Old Greenwich, CT. Insurance providers consider factors such as accidents, traffic violations, and the length of your clean driving history. Generally, a clean driving record with no accidents or violations can lead to lower insurance premiums, while a history of accidents or violations may result in higher rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.