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Best cheap car insurance in Everett for 2022

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Washington has seen a 5% influx of new drivers from out of state, with over 143,000 so far in 2021. Most come from California, Oregon, Arizona, Texas and Idaho. In many cases, car insurance is far more expensive in the cities and states they are moving from than in Washington overall. To compare, the average annual cost of car insurance in Everett is $556 for minimum and $1,269 for full car insurance.

Many factors can affect your car insurance premiums in Everett. The carrier you choose as well as your vehicle, location, past driving record and age are just a few examples. The good news is, recent changes in Washington’s laws no longer allow for insurance carriers to look at credit scores to determine a driver’s vehicle insurance rates.

DUIs and speeding have historically been two of the main factors behind many of the accidents and fatal injuries in Snohomish County. Serious accidents due to DUIs have increased 55% from 2019 to 2020. To find cheap car insurance in Everett despite the statistics, we examined customer ratings, insurance options and Bankrate quote data from the best car insurance companies in Everett to bring you a shortlist.

Best car insurance companies in Everett

The following four insurance providers were selected for having some of the cheapest car insurance in Everett, Washington, and high scores for customer satisfaction. To determine which companies had the best customer reviews, we used J.D. Power’s independent study reporting on customer satisfaction based on responses from current policyholders. The final four carriers ended up being major national insurers since smaller, more regional providers did not receive enough ratings to make the J.D. Power list.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA* 883 /1,000 $331 $846
PEMCO 827 /1,000 $399 $1,044
Geico 834 /1,000 $422 $946
Progressive 821/1,000 $464 $1,083

*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions


If you are able to qualify for membership with USAA through work at the local Naval Station or other military affiliation, you are likely to find the cheapest minimum and full car insurance rates in Everett. Rates for minimum coverage are only $331 per year, compared to the citywide average of $556.

In addition, USAA tops the list of car insurance companies based on customer reviews. The carrier received 883 out of 1,000 points. However, it was not ranked #1 because of its limited availability — only past and present military personnel and relatives can get car insurance.


The next cheapest car insurance in Everett for all drivers, regardless of affiliation, is Pemco. The company does not have a local presence in Everett, but the website provides all the services you may need to get — and maintain — coverage. You can get a quote online or sign in to file a claim, manage payments and review your car insurance policy.

One of the reasons Pemco vehicle insurance may be the cheapest is the number of discounts the carrier offers. There are 15 discounts, including reductions for young drivers with no tickets, University of Washington alumni, accident forgiveness, home/car insurance bundling and more.


Geico often makes the cheapest and best car insurance list because of its reputation for affordable premiums and good customer service. Geico ranks first in the J.D. Power customer satisfaction study for the region (second if you count USAA).

Vehicle owners can choose from a variety of options to personalize their coverage. Liability, collision and comprehensive insurance are available to create a full coverage package. In addition, rideshare insurance is available if you work with delivery and driver apps such as Postmates, Uber, Instacart or Lyft. Mechanical breakdown coverage is also available for owners of newer cars who want to supplement an existing vehicle warranty.


Progressive offers Everett drivers what could be the largest range of discounts and special coverages of the best insurance companies in town. It is not the cheapest company, but is low in cost and high in value when you consider the free perks that come with coverage.

Pet injury insurance is included for free and pays for vet bills if your pets are injured in an accident. The Snapshot tool is a good way for drivers with a less-than-perfect driving record to get a second chance at low premiums. Downloading the free driver tracking app allows you to qualify for discounts based on your driving habits.

Cheapest car insurance in Everett

For a look at what the major car insurance companies charge for car insurance in Everett, refer to the table below. Average car insurance rates in Washington are already one of the lowest in the country at $1,176 per year for full coverage, compared to the national average of $1,674. The following five insurance companies are the cheapest in Everett, beating the state and national average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $331 $846
Geico $422 $946
Progressive $464 $1,083
State Farm $514 $1,085
Travelers $527 $971

For the cheapest basic car insurance, USAA, Geico and Progressive have coverage for less than $30 to $40 per month. However, USAA is limited to military personnel and their families. If you need full car insurance to satisfy your lender or leasing company’s coverage requirements, Geico or Travelers Insurance have the lowest premiums after USAA. For the most car insurance options to customize your policy, take a look at what State Farm, Progressive and Travelers have to offer. State Farm has nine coverages, Progressive has eleven and Travelers has thirteen.

Everett insurance requirements

Everett vehicle owners looking for the bare minimum amount of car insurance have to carry liability coverage for at least:

  • $25,000 in bodily injury/death for one person and $50,000 for two or more people per accident.
  • $10,000 of property damage insurance per accident.

However, the bare minimum of coverage does not include any protection for your vehicle in case of damage due to severe weather, theft or an at-fault accident. If you can afford it, full car insurance adds protection for your vehicle so you are not stuck with out–of-pocket repairs or losses.

Car insurance discounts in Everett

Insurance companies typically provide additional ways to save on car insurance. Even if you are happy with the quote a carrier provided, it may be worth looking for discounts such as the following:

  • Safe driver: If you have a history of being claim, ticket and accident-free, you may qualify for a discount. Ask your insurance carrier if you qualify for one based on your clean record.
  • Covered parking: Everett is prone to harsh winters with heavy snow and ice. Parking your vehicle in a garage, carport or other covered parking can protect your car against damage and may help to lower your premiums.
  • Affiliate: Boeing, Everett school district and Everett’s naval base are among the largest employers in town. You may be able to get group car insurance rates that are cheaper through your employer.
  • Safety equipment: Newer vehicles equipped with airbags, collision prevention systems and driver assistance may lower the risk of crashes and serious injuries. Therefore, your car insurance company might offer a discount for your safety equipment.

Look for safety-related discounts for the biggest impact on your car insurance bill. Discounts for safe drivers (young and old) and newer vehicles capable of handling changing road conditions may lower your premiums the most.

Frequently asked questions

What is the best car insurance company?

There are several contenders in Everett, Washington for best car insurance companies. USAA and Pemco are among the cheapest for minimum coverage. Progressive and Travelers offer vehicle owners the most coverage options. Geico has the lowest premiums for full car insurance behind USAA.

How much does car insurance in Everett cost?

The average annual cost of car insurance in Everett is $556 for minimum and $1,269 for full car insurance. It is lower than the national average of $1,674 per year for full coverage.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN,, and
Edited by
Insurance Editor