Renton, WA Car Insurance

Renton drivers pay, on average, around $86 a month for their car insurance. For more information refer to our guide below.
How much can residents of Renton expect to pay for their car insurance? How does Renton stack up to the rest of the area, or even Washington as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Renton?

Area Average Monthly Car Insurance Premium
Renton$86
WA$75
United States$80

Looking at the chart above, you can see that it is around $11 a month more expensive to insure your vehicle in Renton than it is in the rest of Washington.

The average cost of insuring your vehicle in Renton is above the national rate. It's around $6 more expensive to insure your vehicle in Renton compared to the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Renton, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Renton so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$148
25-34$71
35-44$80
45-54$71
55-64$60
65+$68

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $80 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up in Renton.

Average Car Insurance Rates by Gender

Gender Average
Male$87
Female$84

Female drivers pay, on average, slightly less than their male counterparts. The price for insurance coverage in Renton, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$111
Multiple Accidents$174
1 Ticket$118
Multiple Tickets$176

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Renton, drivers with one accident on their record will experience rates around $111 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $118.

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$76
2-3 Years$91
4-5 Years$85
6-7 Years$93
8-10 Years$83
11-14 Years$82
15 Years or Older$89

In Renton, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $75 per month for auto insurance.

Car owners, on the other hand, by and large pay around $87 a month, while SUV drivers can expect to pay about $86 per month for auto insurance coverage.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Renton, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$94
Married$71
Divorced$60
Widowed$58

More often than not, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Renton is no exception, with the difference totaling to around $23 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$74
Rent$89
Live with parents$145

Your living accommodations is another component of how insurance companies calculate your monthly rate. Homeowners in Renton can expect to pay around $15 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Renton, WA

Recent trends in car insurance for Renton 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.

The rates for car insurance in Renton had been increasing from 2016-2017, where they reached a high of $94, before leveling out in 2018. Car insurance rates increased again in 2019, and finished down at $88 in 2021.

How does Renton compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Frequency of car accidents
  • Number of drivers in the region
  • Crime rates
  • Regional laws
  • Amount of off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Renton?

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.

Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing plans in Renton.

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Renton Insurance FAQs

What factors affect car insurance quotes in Renton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Renton different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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 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