Car insurance in Everett, WA costs an average of $790 for a six-month policy ($132/month). The cheapest insurer available to most drivers is PEMCO at $512 per six months — 35% below the city average. USAA is even cheaper at $484 but is only available to military members and their families.
- Average 6-month premium in Everett: $790 ($132/month)
- Cheapest insurer (military): USAA at $484/6 months
- Cheapest insurer (general): PEMCO at $512/6 months
- Everett rates run 15% higher than the Washington state average
- Washington only requires liability coverage — no PIP or UM/UIM mandated
- Best way to save: compare quotes from PEMCO, State Farm, and Progressive
How Much Does Car Insurance Cost in Everett, WA?
Drivers in Everett pay an average of $1,580 per year for car insurance — that's $790 for a six-month policy or roughly $132 a month. That's noticeably more than the Washington state average of $1,368 per year, and also higher than the national average of $1,548.
Why does Everett cost more than the rest of the state? The city sits along Interstate 5 and US-2, two of Washington's busiest corridors, and its dense urban layout — 3,395 people per square mile — means more cars on the road, more fender benders, and higher claim frequency. Add in Everett's above-average property crime rate and you've got a recipe for premiums that climb above what you'd pay in Olympia or Spokane.
Everett Car Insurance Rates by Company
The single best thing you can do to lower your car insurance bill is shop around. In Everett, the gap between the cheapest and most expensive insurer is over $500 per six months — that's real money. Here's how the major carriers stack up for a typical Everett driver:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA Cheapest (Military) | $484 | $81 |
| PEMCO Insurance Best for Most | $512 | $85 |
| State Farm | $706 | $118 |
| Progressive | $737 | $123 |
| Allstate | $1,025 | $171 |
Rates are based on full coverage for a typical driver. Your rate will vary based on your age, driving record, vehicle, and credit score.
PEMCO Insurance is a Pacific Northwest regional insurer — they often offer some of the most competitive rates in Washington for drivers with clean records. If you haven't gotten a quote from them, you're likely leaving money on the table.
Average Car Insurance Cost in Everett vs. State and Nation
To put Everett's rates in context, here's how the city compares to the rest of Washington and the country:
| Location | Average Annual Rate | Average 6-Month Rate |
|---|---|---|
| Everett, WA | $1,580 | $790 |
| Washington State | $1,368 | $684 |
| United States | $1,548 | $774 |
Everett drivers pay about 15% more than the state average and 2% more than the national average. That's largely driven by the city's traffic density and higher-than-average vehicle theft and property crime rates.
Factors That Affect Car Insurance Rates in Everett
Insurers don't just look at your driving record when setting your rate — they factor in where you live, how old you are, your credit score, and a lot more. Here's what's driving rates in Everett specifically:
Traffic and Accident Risk
Everett is a gateway city between Seattle and the Canadian border, with I-5 running right through it. That means heavy commuter traffic from Boeing workers and port employees, frequent congestion around Everett Station and the Everett Mall area, and a higher-than-average likelihood of accidents compared to smaller Washington cities. More accidents mean more claims, which means higher premiums for everyone.
Vehicle Theft and Property Crime
Everett's property crime rate is significantly above the national average — your chance of becoming a victim of property crime is roughly 1 in 32 per year. Vehicle theft contributes to comprehensive insurance costs. If you're parking on the street regularly, comprehensive coverage is worth adding even if the law doesn't require it.
Everett's crime rate is higher than 90% of Washington communities. If you're only carrying liability coverage, vehicle theft won't be covered. Consider adding comprehensive coverage — it typically adds only $10–$20/month to your premium.
Age and Driving History
Your age has a big impact on what you pay. Teen drivers in Everett pay an average of $7,040 per year — nearly five times the city average. Rates drop sharply once you hit your 20s ($2,127/yr), then continue falling into your 40s and 50s, where drivers pay the lowest rates around $1,395–$1,462 annually. If you get a speeding ticket, expect a rate hike of about $351 per year. A DUI costs even more — around $705 per year in added premiums.
Credit Score
Washington state allows insurers to use your credit score as a rating factor. Everett drivers with poor credit (300–579) pay an average of $3,187 per year — more than double what those with good credit ($1,580/yr) pay. Improving your credit from "Very Poor" to "Fair" alone could save you $1,253 per year.
How to Get Cheap Car Insurance in Everett
Compare at Least 3–5 Quotes
The spread between insurers in Everett is enormous — PEMCO charges $512/6 months while Allstate charges $1,025. Get quotes from multiple carriers before you commit. A 30-minute comparison could save you $500 a year.
Bundle Home and Auto
Most major insurers offer 15–25% discounts when you bundle your auto and renters or homeowners insurance. If you're renting in Everett, bundling renters insurance (often just $10–15/month) with your auto policy can yield meaningful savings.
Consider a Higher Deductible
Raising your deductible from $500 to $1,000 can cut your premium by 10–15%. Just make sure you have that amount available in savings before you make the switch.
Ask About Washington-Specific Discounts
Many carriers offer discounts for defensive driving courses (5–15% savings), low mileage, good students, and safe driving programs. PEMCO, State Farm, and Progressive all have telematics programs that reward safe driving habits with additional discounts.
Work on Your Credit Score
Since Washington allows credit-based pricing, improving your credit score from poor to fair can save you over $1,000 per year on your Everett car insurance premiums.
Washington State Minimum Car Insurance Requirements
Washington is an at-fault state, meaning the driver who causes an accident is responsible for paying damages. The state requires you to carry minimum liability coverage — but it doesn't mandate PIP, UM/UIM, or collision coverage.
| Coverage Type | WA Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $25,000 | $100,000 |
| Bodily Injury (per accident) | $50,000 | $300,000 |
| Property Damage | $10,000 | $100,000 |
| Personal Injury Protection (PIP) | Not required | $10,000+ |
| Uninsured Motorist | Not required | $50,000/$100,000 |
Washington's minimum property damage limit of $10,000 is dangerously low. A single rear-end collision involving a newer vehicle can easily exceed that. Most financial advisors recommend at least $50,000–$100,000 in property damage coverage. Driving without adequate insurance in an at-fault accident could expose you to significant personal liability.
Top Insurance Agents in Everett, WA
Working with a local agent can help you navigate coverage options and find discounts you might miss shopping online. Here are some of the top-rated insurance agents serving Everett:
Frequently Asked Questions
USAA offers the lowest rates in Everett at around $484 for a six-month policy, but it's only available to military members and veterans. For everyone else, PEMCO Insurance is the most affordable option at approximately $512 for six months ($85/month). State Farm is the next best at $706 per six months.
Everett's higher rates are driven by its urban density, heavy I-5 traffic, Boeing and port commuter congestion, and a property crime rate that exceeds 90% of Washington communities. More vehicles, more accidents, and more theft claims mean insurers charge more to cover the risk.
No. Washington is an at-fault state and does not require Personal Injury Protection (PIP). However, PIP is available as an optional add-on and can cover your medical bills regardless of who caused the accident. Given Everett's traffic conditions, many drivers choose to add it for extra peace of mind.
Washington requires minimum liability coverage of 25/50/10 — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. These are minimums only; financial experts recommend significantly higher limits to protect your assets in a serious accident.
The most effective strategies are: comparing quotes from multiple insurers (especially PEMCO and State Farm), bundling home and auto insurance, raising your deductible, enrolling in a safe-driver telematics program, and improving your credit score. Drivers who shop around consistently pay less than those who stick with their current insurer.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.