Best Auto Insurance Rates in Everett, Washington

On average, your neighbors pay $73 a month.

Compare Auto Insurance in Everett

If you love being surrounded by water, Everett, Washington, is the city for you. Bordered by Port Gardner Bay, Possession Sound, and the Snohomish River, many fresh and saltwater adventures await both residents and guests.

Folks in Everett also enjoy spending time on the road. What they don’t enjoy: high car insurance rates.

Average Everett Car Insurance Rates

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

Prices will vary depending on several factors including: your driving record, car, age, and the number of claims filed in your zip code.

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 independent agents. Comparing quotes can help you find cheap car insurance rates near Everett, Washington and save up to 40% on your premium.

Last year, 2,562 people used QuoteWizard to compare auto insurance quotes in Everett, WA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Everett, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Everett, Washington last year. Of the 2,562 drivers who used QuoteWizard to find rates, 188 drivers were uninsured.

Top 10 Vehicles

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

  1. Ford F150
  2. Ford Mustang
  3. Honda Accord EX/LX
  4. Honda Civic EX/LX
  5. Ford Explorer
  6. Kia Soul
  7. Jeep Grand Cherokee Limited
  8. Dodge Caravan
  9. Chevrolet S10
  10. Chevrolet Impala

Minimum Car Insurance Requirements in Everett, WA

Everett, 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 crash.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by an accident.

Driving Conditions

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


Everett has a Mediterranean climate like most of the Pacific Northwest. Summers tend to be short, yet dry. Winters are mild. As is the case in Seattle, it rains quite a bit in Everett. Residents can expect an average of 184 days of precipitation each year. Thankfully, barely any of that precip is snow. The city sees around 8.4 inches of snowfall annually.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roads here are in poor condition and another 20% are mediocre condition. The poor condition of the streets costs local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Traffic in your city or town can have a huge effect on your car insurance rates. The Greater Seattle area has some of the worst traffic in the nation, and Everett is no exception. According to WSDOT's “2015 Corridor Capacity Report,” routine congestion in this city increased by 22 percent. In addition, the commute from Everett to Seattle increased by seven minutes, or 16 percent, between 2012 and 2014.

Moving Violations

Moving violations such as speeding tickets and accidents can raise your insurance rates. The reason: many citations add points to your driver's license. This gives you a bad driving record and insurers will consider you a high-risk or "non-standard" driver.

Traffic Tickets

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

DUI Arrests

Everett Police arrested 112 adults 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 Everett DUI insurance.

DWI Crashes and Injuries

Everett reported 126 crashes involving alcohol or drugs in 2018. These accidents caused 28 injuries but no fatalities.

Car Accident Statistics

Everett officials reported 2,942 car crashes in 2018. These crashes resulted in 182 injuries, 50 of them serious.

Traffic Fatalities

Everett officials reported seven fatal traffic collisions in 2018. Considering Everett's estimated populalation of 110,079, this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Everett reported 938 motor vehicle thefts in 2017. That's a rate of 8.52 per 1,000 residents. This is more than three times the national motor vehicle theft rate of 2.37 per 1,000 people.

Car Insurance Discounts

Below are some of the many auto insurance discounts available to Everett, WA drivers. To find out which discounts you qualify for, get a fast, free quote.

  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. Safe driver. If you have a perfect driving record, you may qualify for the accident free or safe driver discount.
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  5. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  6. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service

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