Table of contents
How much is car insurance in Yakima?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Washington, coverage in Yakima is about $16 a month cheaper.
Compared to the national average cost of auto insurance coverage, Yakima has lower rates. On average, it's about $21 less to insure your vehicle in Yakima than it is in the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for residents of Yakima, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rates for Yakima residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $48 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Yakima may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Yakima is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Yakima, having a single accident on your record will usually get you rates around $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$58|
In Yakima, the cheapest vehicles to insure are typically SUVs, trucks, and vans, with drivers paying around $55 per month for auto insurance coverage.
Car owners, however, pay about $63 per month for car insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Yakima, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Yakima is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month more than drivers who own property in Yakima. But those who live at home with their parents can expect to pay significantly 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 Yakima, WA
Recent trends in car insurance for Yakima 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 cost of car insurance in Yakima rose from 2017-2019, before steadying out in 2020. Rates finished down in 2022, at $52 a month
How does Yakima compare to neighboring areas?
Why are car insurance rates in Yakima different from other areas?
Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total number of drivers
- Rate of car accidents
- Off-street parking availability
- Crime rates
- Community laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Yakima?
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.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Yakima.
Yakima Insurance FAQs
What factors affect car insurance quotes in Yakima?
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 gender and age, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Yakima 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 Yakima?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Yakima?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Yakima or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?