Renton, WA Car Insurance

The average monthly cost for car insurance in Renton is about $84. To learn more about policy rates and coverage in the Renton area, continue reading our guide below.
What should residents of Renton expect to pay for their car insurance? How do rates in Renton measure up compared to neighboring areas, including Washington as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Renton?

Area Average Monthly Car Insurance Premium
Renton$84
WA$76
United States$81

Coverage for your vehicle in Renton will typically run you about $8 a month more than in the rest of Washington.

The average cost of insuring your vehicle in Renton is above the national rate. The average monthly payment in Renton is about $3 more expensive than the rate for the rest of the U.S.

These may be the average auto insurance rates for Renton, 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 coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't sweat it however, we've broken down average rates for Renton residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$147
25-34$72
35-44$79
45-54$72
55-64$60
65+$68

Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $79 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Renton may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$84
Female$85

On average, female drivers pay slightly less than male drivers for car insurance. In Renton, although men do pay a little bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$136
1 Ticket$94
Multiple Tickets$146

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Renton with one accident will pay around $107 a month. In addition, drivers with a single ticket on their record can expect to pay around $94 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$92
4-5 Years$85
6-7 Years$82
8-10 Years$82
11-14 Years$84
15 Years or Older$87

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Renton, with drivers paying around $74 per month for auto insurance coverage.

Cars and SUVs, however, usually cost about $86 for insurance.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Renton, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$92
Married$70
Divorced$61
Widowed$58

Generally, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Renton is about $22 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$73
Rent$86
Live with parents$141

One other element taken into consideration is your housing situation. Renters can expect to pay around $13 a month more than those who own their own home in Renton. 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 Renton, WA

Recent trends in car insurance for Renton drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

Auto insurance rates in Renton declined from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $91.

How does Renton compare to neighboring areas?

Why are car insurance rates in Renton different from other areas?

Car insurance companies look at several factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Crime rates
  • Road Safety (how many accidents each locality has)
  • Off-street parking accessibility
  • Total amount of drivers in the community
  • Community regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Renton?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Renton.

Compare the cheapest quotes from dozens of insurance companies

Renton Insurance FAQs

What factors affect car insurance quotes in Renton?

Car insurance companies calculate quotes based on a wide array of factors. These 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 Renton different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Renton?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Renton?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Renton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes