Best Auto Insurance Rates in Edmonds, Washington

On average, your neighbors pay $73 a month.

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Edmonds, Washington, is a scenic community perfectly nestled within the Puget Sound region. Want to get out of the city? There are numerous modes of transportation, not to mention roadways, you can take to get to your destination. If your goal is to travel to Bainbridge or Whidbey Island, hop on the Edmonds ferry. If Seattle is in your sights, take the Sounder train or tackle the busy I-5.

Average Edmonds Car Insurance Rates

How much is car insurance in Edmonds, WA? Rates here can be expensive. Many drivers pay much higher premiums than both the state and national average. The average cost of auto insurance in Washington is $884.24 per year. The national average cost is $889.01.

Prices will vary depending on multiple factors including: your age, gender, the total number of claims filed in your zip code, and your driving history.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Edmonds, Washington and save up to 40% on your premium.

Last year nearly 600 people used QuoteWizard to compare car insurance quotes in Edmonds, WA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Edmonds, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Edmonds, Washington last year. Of the 583 drivers who used QuoteWizard to compare rates, only 27 were not insured.

Top 10 Vehicles

These are the most common car makes and models owned by Edmonds, WA drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX
  2. Ford Ranger
  3. Toyota RAV4
  4. Hyundai Sonata GLS
  5. Honda Civic DX
  6. Honda CR-V EX
  7. Toyota Prius
  8. Honda Odyssey LX
  9. Chevrolet Monet Carlo LS
  10. Ford Focus SE

Minimum Auto Insurance Requirements in Edmonds, WA

Edmonds, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.


Edmonds has a climate much like the rest of western Washington. Summers here are short and dry, but also warm. Winters can be cold, but often are mild. Residents usually enjoy around 160 sunny days and about 158 days with some sort of precipitation annually. Most of what falls is rain, however; the city sees an average of just four inches of snow each year.

Traffic Congestion

TomTom ranked the Seattle metropolitan area fourth worst for traffic congestion in the US. An average commuter spends 39 extra minutes driving to or from work on roads that often are poorly maintained. In addition, it’s not unusual for I-5 to be at a standstill during rush hour, especially when the roads are wet.

As for Edmonds specifically, it too has congestion problems. In fact, locals pressed the city council to do something about persistent downtown traffic jams in 2015. Ferry traffic causes the majority of these jams, while train traffic causes most of the rest.

Moving Violations

Traffic citations like speeding tickets, accidents, running a red light, and drunk driving add points to your driving history. Once your insurance carrier finds out, they'll increase your rates. If you get too many of these driver's license points within a short period of time, you can be put into the "non-standard" driver, or high-risk category.

Traffic Tickets

The Edmonds Municipal Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

Edmonds Police Department issued 4,742 traffic citations in 2016.

DUI Arrests

Edmonds Police arrested 74 adults and one juvenile for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top insurance companies that specialize in Edmonds DUI insurance.

DWI Crashes and Injuries

Edmonds reported 29 crashes involving alcohol or drugs in 2018. These accidents caused six injuries but no fatalities.

Car Accident Statistics

Edmonds officials reported 509 car crashes in 2018. These crashes resulted in 32 injuries, ten of them serious.

Traffic Fatalities

Edmonds Police reported one fatal collision in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 42,209 Edmonds, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Edmonds reported 71 motor vehicle thefts in 2017. This worked out to a rate of 1.68 stolen cars per 1,000 residents. The theft rate in Edmonds is well below the national average of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Edmonds, WA.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  5. Are you married or getting married soon? Some insurers offer a discount to married couples
  6. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount

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