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How much is car insurance in Lynnwood?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $10 a month more expensive to insure your vehicle in Lynnwood than it is in the rest of Washington.
Similarly, Lynnwood residents should prepare to pay higher rates for coverage than the rest of the country. It's about $5 more expensive for coverage in Lynnwood than the average rates for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for Lynnwood residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Lynnwood residents so that you can get a more accurate idea of what you might pay. 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|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Lynnwood drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Lynnwood is around $17 a month. Looking at the table above, you can see that female drivers pay around $75 on average, while male drivers typically pay $92 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Lynnwood with a single accident on their record is about $99 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $103.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$93|
|15 Years or Older||$84|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Lynnwood, with drivers paying around $64 per month for auto insurance coverage.
Car owners will see a monthly bill of about $91, while SUV owners typically pay around $73 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Lynnwood are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Lynnwood is no exception, with the difference totaling to around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Lynnwood, expect to pay around $25 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Lynnwood, WA
Recent trends in car insurance for Lynnwood drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
Insurance rates in Lynnwood have been mixed recently. They fell in 2017, increased in 2019, and dropped again in 2021, before finishing at $78 in 2022.
How does Lynnwood compare to neighboring areas?
Why are car insurance rates in Lynnwood different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional laws
- Number of drivers in the area
- Access to off-street parking
- Frequency of car accidents
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Lynnwood?
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 does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Lynnwood.
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Lynnwood Insurance FAQs
What factors affect car insurance quotes in Lynnwood?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Lynnwood different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Lynnwood?
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 Lynnwood?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lynnwood or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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