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How much is car insurance in Everett?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Washington are about $9 a month cheaper than the rates drivers pay in Everett.
Similarly, the expected monthly payments for an auto insurance policy in Everett are above the national average. The average monthly payment for the rest of the U.S. is about is about $4 cheaper than it is in Everett.
While these are the average car insurance rates for Everett, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Everett residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Everett.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Everett, however, male and female drivers both pay, on average, $85 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Everett with a single accident on their record will usually see rates around $109 a month. Similarly, drivers with one ticket will typically pay around $104 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$100|
|15 Years or Older||$82|
The cheapest vehicles to insure in Everett are usually trucks and vans, with each type typically costing about $70 per month.
Car owners, on the other hand, by and large pay around $88 a month, while SUV drivers can expect to pay about $85 per month for auto insurance coverage.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Everett, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Everett, with married couples paying about $30 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
One other element taken into consideration is your living situation. If you rent your home or apartment in Everett, expect to pay around $21 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Everett, WA
Recent trends in car insurance for Everett drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Everett, car insurance rates had been decreasing from 2017-2019, before leveling out in 2020. Insurance rates began decreasing again in 2021, and finished down in 2022, at $69.
How does Everett compare to neighboring areas?
Why are car insurance rates in Everett different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional regulations
- Total number of drivers in the area
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Everett?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Everett.
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Everett Insurance FAQs
What factors affect car insurance quotes in Everett?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Everett different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Everett?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Everett?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Everett or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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