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 $15 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in Yakima. Car insurance rates for the United States as a whole are, on average, $20 more expensive than the rates you'd pay in Yakima.
Keep in mind that while these are the average car insurance rates for Yakima, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't worry, we've done the work for you and broken down average rates for Yakima to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $46 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Yakima.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Yakima, however, the difference in the monthly cost of coverage is minimal.
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 get you a lower rate than one with even just a single accident or infraction. In Yakima, a driving record with a single accident will usually get you a rate around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $122 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$59|
According to the first table above, the cheapest vehicles to insure in Yakima are usually SUVs, trucks, and vans, at $56 per month.
On the other hand, car owners, can expect to pay about $61 per month for auto insurance coverage.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Yakima, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Yakima is about $19 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Yakima, expect to pay around $13 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
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 overall costs.
Car Insurance Companies in Yakima, WA
Recent trends in car insurance for Yakima drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Yakima, car insurance rates went up from 2016-2019, when they hit a high of $76. This leveled out in 2020, when rates started to turn downward. This pattern has continued through the present, where rates recently reached $66.
How does Yakima compare to neighboring areas?
Why are car insurance rates in Yakima different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. 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:
- Amount of drivers in the community
- Area laws
- Rate of car accidents
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Yakima?
Arming 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.
Luckily, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Yakima in no time.
Yakima Insurance FAQs
What factors affect car insurance quotes in Yakima?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Yakima different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Yakima?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
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 Yakima 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.