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Get Cheap Car Insurance in Houghton, Kirkland, WA

We monitor insurance prices, helping the average driver in Houghton save up to 34.8% on car insurance.

 

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The Cheapest Minimum Coverage in Houghton

The chart below shows the cheapest car insurance company in Houghton 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.

 
Houghton Insurer Monthly Cost
Metromile $54
State Farm $60
Progressive $66
Geico $72

Savings for Every Kind of Houghton Driver

The table shows how much the average auto insurance customer in Houghton might save by following our recommendations.

Based on our extensive insurance data, we know the average Houghton 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 $458 per year by choosing the right vehicle insurance company. Some Houghton residents are paying out over $1,565 extra every year for auto insurance in Houghton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Houghton, Kirkland, WA Savings / Yr.
Drivers with good records
$458
Drivers with accidents
$809
Drivers with speeding tickets
$583
Drivers with a DUI conviction
$441
Young drivers
$1,675
Married drivers
$317
Drivers with bad credit
$543

Houghton Car Insurance vs. Kirkland

People living in Houghton pay an average of 11.47% more than the typical driver in the state. The average driver in Houghton can expect to pay about $941 per year, or $1,565 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Houghton for most people.

Car Insurance Prices by Houghton Neighborhood

Houghton, Kirkland, WA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Houghton?

The map shows insurance prices in and around Houghton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $259 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,715 to a low of $1,456. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Houghton.

Pick the Best Car Insurance Company for You in Houghton

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Houghton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Houghton

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $458 over the average Houghton car insurance company.

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We use the average good driver, paying $92 per month, as our baseline for pricing in Houghton. State Farm, Metromile, and PEMCO Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Houghton drivers with accidents on their records

In Houghton getting into an accident will raise premiums an average 33% for a yearly cost of $2,325. That's $760 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and PEMCO Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $809 over the competition.

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The best car insurance company for Houghton drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $583 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Houghton, tickets raise premiums on new quotes about $492. If you have a speeding ticket, we recommend State Farm, Geico, and Metromile for savings that beat the average insurance cost of $2,057 per year.

The best auto insurance for Houghton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,350 per year in auto insurance premiums, which was $785 more than a driver with no major issues. State Farm, Progressive, and PEMCO Insurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $441 less each year.

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The least expensive car insurance company for new and young drivers in Houghton

In Houghton, State Farm costs young drivers $1,675 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Houghton. With an average cost of $5,773 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and PEMCO Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Houghton

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $120. State Farm, Geico, and Progressive provided the largest discounts to couples living in Houghton.

State Farm gave the largest car insurance discounts to married couples, averaging $317 saved each year compared to an average Houghton couple's premiums.

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The cheapest car insurance in Houghton for drivers with bad credit

People with poor credit saved an average of $543 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $912 every year. Premiums for people with poor credit were about $2,477 in Houghton. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and American Family Insurance.

The best Houghton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Houghton, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Houghton.

Nationwide was the best company for customer service in Houghton according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Houghton, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Houghton. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Houghton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Houghton residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Houghton driver can expect to pay about $98 per month.

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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 Houghton, 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.
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Auto Insurance Prices in and Around Houghton

What Influences the Cost of Car Insurance in Houghton?

On average, car insurance in Houghton 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 neighborhood are influenced by the following factors:

  • The average commute time in Houghton is 28 minutes, which is a little less than average for a driver in the city.
  • 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 Houghton are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Houghton is a lightly populated area in the state. The neighborhood’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 Houghton is $78 per month for minimum coverage and $130 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Houghton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Houghton with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.