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Get Cheap Car Insurance in Birch Bay, WA
We monitor insurance prices, helping the average driver in Birch Bay save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Birch Bay
The chart below shows the cheapest car insurance company in Birch Bay for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| Birch Bay Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| State Farm | $55 |
| Progressive | $60 |
| Geico | $65 |
Savings for Every Kind of Birch Bay Driver
Based on our extensive insurance data, we know the average Birch Bay driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $417 per year by choosing the right vehicle insurance company. Some Birch Bay residents are paying out over $1,423 extra every year for auto insurance in Birch Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Birch Bay, WA Savings / Yr. |
|---|---|
$417 |
|
$736 |
|
$530 |
|
$401 |
|
$1,524 |
|
$288 |
|
$494 |
Birch Bay Car Insurance vs. Washington
People living in Birch Bay pay an average of 1.39% more than the typical driver in the state. The average driver in Birch Bay can expect to pay about $856 per year, or $1,423 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Birch Bay for most people.
Car Insurance Prices by Birch Bay Neighborhood
Insurance Prices
Where is insurance cheapest within Birch Bay?
The map shows insurance prices in and around Birch Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $151 per year within the city boundaries, with insurance premiums ranging from a high of $1,485 to a low of $1,334. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Birch Bay.Pick the Best Car Insurance Company for You in Birch Bay
The best car insurance provider for most drivers in Birch Bay
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $417 over the average Birch Bay car insurance company.
The best car insurance provider for Birch Bay drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $736 over the competition.
The best car insurance company for Birch Bay drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $530 better than other car insurance companies.
The best auto insurance for Birch Bay drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $401 less each year.
The least expensive car insurance company for new and young drivers in Birch Bay
In Birch Bay, State Farm costs young drivers $1,524 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Birch Bay
State Farm gave the largest car insurance discounts to married couples, averaging $288 saved each year compared to an average Birch Bay couple's premiums.
The cheapest car insurance in Birch Bay for drivers with bad credit
The best Birch Bay car insurance company for customer service
Recent price drops
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The cheapest large national provider in Birch Bay
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Birch Bay driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Birch Bay, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Birch Bay
What Influences the Cost of Car Insurance in Birch Bay?
On average, car insurance in Birch Bay is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Birch Bay is 34 minutes, which is about the national average for a driver in the state.
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Birch Bay are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Birch Bay is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Birch Bay is $71 per month for minimum coverage and $119 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Pleasant Valley: Insurance costs 4.85% less
- Blaine: Insurance costs 0.77% less
- Custer: Insurance costs 5.27% less
- Mountain View: Insurance costs 5.76% less
- Ferndale: Insurance costs 3.23% less
- Marietta: Insurance costs 5.55% less
- Lynden: Insurance costs 2.74% less
- Point Roberts: Insurance costs 2.60% less
- Lummi Island: Insurance costs 5.20% less
- Strandell: Insurance costs 5.62% less
Cities with Similar Populations
- Tyrone: Insurance costs 30.43% more
- Victoria: Insurance costs 10.75% more
- Vicksburg: Insurance costs 83.91% more
- Eidson Road: Insurance costs 33.31% more
- Veneta: Insurance costs 2.46% more
- Eldridge: Insurance costs 15.95% less
- Elizabeth: Insurance costs 2.46% less
- Vandalia: Insurance costs 3.37% more
- Elkton: Insurance costs 18.55% less
- Valencia: Insurance costs 2.74% less