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How much is car insurance in Puyallup?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $19 a month more expensive to insure your vehicle in Puyallup than it is in the rest of Washington.
Compared to the national average cost of auto coverage, Puyallup has higher rates. It's about $14 more for coverage in Puyallup than in the rest of the U.S.
These rates may be the average amount drivers in Puyallup pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down average rates for Puyallup residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $58 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Puyallup.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Puyallup totals about $11 a month. As you can see in the table above, male drivers in the area typically pay $99 on average, while female drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Puyallup, having a single accident on your record will usually get you rates around $110 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $132 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$97|
If you look at the first table above, the cheapest vehicles to insure in Puyallup are typically SUVs, at $83 per month.
Car owners, on the other hand, usually pay around $96 per month, while truck and van drivers can expect to pay about $92 a month for car insurance.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Puyallup, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
More often than not, people who are married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Puyallup reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $10 a month more than drivers who own property in Puyallup. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Puyallup, WA
Recent trends in car insurance for Puyallup drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Auto insurance rates in Puyallup rose from 2016-2017, when they reached a high of $98. This shifted in 2018, when they began to decrease again. They finished down in 2021, at $85 per month
How does Puyallup compare to neighboring areas?
Why are car insurance rates in Puyallup different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:
- Area crime rates
- Community regulations
- Off-street parking availability
- Rate of car accidents
- Amount of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Puyallup?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing policies in Puyallup.
Puyallup Insurance FAQs
What factors affect car insurance quotes in Puyallup?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Puyallup different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Puyallup?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Puyallup?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Puyallup 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.