Best Sammamish, WA Car Insurance in 2025
Car insurance in Sammamish, WA averages $284 a month. Sammamish, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Sammamish car insurance rates, compare quotes from the top car insurance companies in Sammamish, WA.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated December 2025
- The cheapest ZIP code in Sammamish is 98074
- The cheapest car insurance company in Sammamish for teen drivers is Nationwide
- Average car insurance rates in Sammamish, WA are $3,409/year
If you need to buy Sammamish, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Sammamish, WA is right here.
You’ll find Sammamish car insurance rates, the cheapest Sammamish, WA car insurance companies, and information on Washington car insurance laws. You can also compare Sammamish, Washington car insurance rates to Everett car insurance rates, Bellevue car insurance rates, and Renton car insurance rates.
Ready to find affordable Sammamish, WA car insurance today? Enter your ZIP code for fast, free Sammamish car insurance quotes.
Cheapest Sammamish, WA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sammamish, WA car insurance rates? Every Sammamish, 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 | $2,317 | $2,283 | $2,148 | $2,255 | $8,580 | $9,964 | $2,454 | $2,542 |
| American Family | $2,253 | $2,253 | $2,058 | $2,058 | $8,703 | $11,876 | $2,253 | $3,020 |
| Farmers | $2,307 | $2,367 | $2,112 | $2,388 | $5,324 | $5,725 | $2,912 | $3,041 |
| Geico | $1,893 | $1,926 | $1,771 | $1,771 | $4,221 | $5,493 | $3,258 | $2,331 |
| Liberty Mutual | $2,035 | $2,212 | $1,809 | $2,123 | $11,600 | $12,738 | $2,148 | $2,327 |
| Nationwide | $1,528 | $1,562 | $1,421 | $1,478 | $4,236 | $5,142 | $1,838 | $1,980 |
| Progressive | $1,787 | $1,668 | $1,618 | $1,637 | $9,228 | $10,315 | $2,138 | $2,123 |
| State Farm | $1,819 | $1,819 | $1,640 | $1,640 | $5,375 | $6,803 | $2,075 | $2,390 |
| USAA | $1,191 | $1,173 | $1,154 | $1,149 | $5,272 | $6,218 | $1,506 | $1,646 |
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Minimum Car Insurance in Sammamish, WA
Every driver must carry the minimum car insurance in Sammamish, 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 Sammamish, WA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sammamish, WA. Compare credit history car insurance rates in Sammamish from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,026 | $3,866 | $3,312 |
| American Family | $5,088 | $4,153 | $3,686 |
| Farmers | $3,986 | $3,019 | $2,812 |
| Geico | $3,372 | $2,698 | $2,429 |
| Liberty Mutual | $6,603 | $4,076 | $3,193 |
| Nationwide | $2,862 | $2,241 | $2,092 |
| Progressive | $4,186 | $3,753 | $3,504 |
| State Farm | $4,287 | $2,562 | $1,986 |
| USAA | $3,041 | $2,234 | $1,967 |
Cheapest Sammamish, 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 Sammamish, WA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,395 | $4,281 | $4,775 | $3,820 |
| American Family | $3,448 | $4,428 | $5,126 | $4,235 |
| Farmers | $2,701 | $3,366 | $3,657 | $3,364 |
| Geico | $2,188 | $2,796 | $4,160 | $2,188 |
| Liberty Mutual | $3,940 | $4,975 | $5,066 | $4,516 |
| Nationwide | $1,863 | $2,523 | $3,168 | $2,037 |
| Progressive | $3,081 | $4,861 | $3,593 | $3,721 |
| State Farm | $2,670 | $3,220 | $2,945 | $2,945 |
| USAA | $1,772 | $2,575 | $3,211 | $2,097 |
Cheapest Sammamish, WA Car Insurance for Teen Drivers
Teen car insurance in Sammamish, WA can be expensive. Take a look at rates from the top car insurance companies in Sammamish for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,580 | $9,964 |
| American Family | $8,703 | $11,876 |
| Farmers | $5,324 | $5,725 |
| Geico | $4,221 | $5,493 |
| Liberty Mutual | $11,600 | $12,738 |
| Nationwide | $4,236 | $5,142 |
| Progressive | $9,228 | $10,315 |
| State Farm | $5,375 | $6,803 |
| USAA | $5,272 | $6,218 |
Cheapest Sammamish, WA Car Insurance for Seniors
Take a look at Sammamish, 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 | $2,148 | $2,255 |
| American Family | $2,058 | $2,058 |
| Farmers | $2,112 | $2,388 |
| Geico | $1,771 | $1,771 |
| Liberty Mutual | $1,809 | $2,123 |
| Nationwide | $1,421 | $1,478 |
| Progressive | $1,618 | $1,637 |
| State Farm | $1,640 | $1,640 |
| USAA | $1,154 | $1,149 |
Cheapest Sammamish, WA Car Insurance Rates After a DUI
A DUI in Sammamish, WA increases car insurance rates. Compare Sammamish, Washington DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,775 |
| American Family | $5,126 |
| Farmers | $3,657 |
| Geico | $4,160 |
| Liberty Mutual | $5,066 |
| Nationwide | $3,168 |
| Progressive | $3,593 |
| State Farm | $2,945 |
| USAA | $3,211 |
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Cheapest Sammamish, WA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sammamish, 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 | $4,068 | $4,068 |
| American Family | $4,222 | $4,396 |
| Farmers | $3,272 | $3,272 |
| Geico | $2,796 | $2,869 |
| Liberty Mutual | $4,624 | $4,624 |
| Nationwide | $2,398 | $2,398 |
| Progressive | $3,814 | $3,814 |
| State Farm | $2,863 | $3,027 |
| USAA | $2,390 | $2,437 |
Cheapest Sammamish, WA Car Insurance Rates by ZIP Code
Sammamish car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sammamish, WA.
| ZIP Code | Average Annual Rates |
|---|---|
| 98074 | $3,415 |
| 98075 | $3,422 |
The Best Cheap Car Insurance Companies in Sammamish, WA
Take a look at a side-by-side comparison of the top car insurance companies in Sammamish, WA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,068 |
| American Family | $4,309 |
| Farmers | $3,272 |
| Geico | $2,833 |
| Liberty Mutual | $4,624 |
| Nationwide | $2,398 |
| Progressive | $3,814 |
| State Farm | $2,945 |
| USAA | $2,414 |
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Category Winners: Cheapest Car Insurance in Sammamish, Washington
Find the cheapest car insurance companies in Sammamish, WA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
Cheapest Sammamish, WA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Sammamish car insurance rates. Find the cheapest Sammamish, WA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,837 | $4,055 | $4,311 |
| American Family | $4,077 | $4,305 | $4,546 |
| Farmers | $3,052 | $3,277 | $3,487 |
| Geico | $2,661 | $2,837 | $3,001 |
| Liberty Mutual | $4,357 | $4,636 | $4,879 |
| Nationwide | $2,268 | $2,399 | $2,527 |
| Progressive | $3,453 | $3,724 | $4,266 |
| State Farm | $2,741 | $2,961 | $3,134 |
| USAA | $2,260 | $2,414 | $2,568 |
What affects car insurance rates in Sammamish, Washington?
What factors can have an impact on Sammamish, WA car insurance? There are several reasons why Sammamish car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sammamish, Washington.
Commute Time in Sammamish
The more time you spend in your car the higher the risk of an accident. The average commute length in Sammamish, WA is 33.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Sammamish, WA
Ready to find affordable Sammamish, Washington car insurance today? Enter your ZIP code for fast, free Sammamish, WA car insurance quotes.
Frequently Asked Questions
What is the average car insurance rate in Sammamish, WA?
The average car insurance rate in Sammamish, WA is $284 per month.
What are the car insurance requirements in Sammamish, WA?
The car insurance requirements in Sammamish, WA are 25/50/10. However, if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Sammamish, WA?
To find cheap car insurance rates in Sammamish, WA, you can compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Sammamish, WA?
Every car insurance company in Sammamish, WA weighs age, gender, and marital status differently when determining rates.
What is the minimum car insurance required in Sammamish, WA?
The minimum car insurance required in Sammamish, WA follows the 25/50/10 coverage limits.
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