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Get Cheap Car Insurance in Lake Forest Park, WA

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

 

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The Cheapest Minimum Coverage in Lake Forest Park

The chart below shows the cheapest car insurance company in Lake Forest Park 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.

 
Lake Forest Park Insurer Monthly Cost
Metromile $56
State Farm $62
Progressive $68
Geico $74

Savings for Every Kind of Lake Forest Park Driver

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

Based on our extensive insurance data, we know the average Lake Forest Park 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 $470 per year by choosing the right vehicle insurance company. Some Lake Forest Park residents are paying out over $1,605 extra every year for auto insurance in Lake Forest Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lake Forest Park, WA Savings / Yr.
Drivers with good records
$470
Drivers with accidents
$830
Drivers with speeding tickets
$598
Drivers with a DUI conviction
$453
Young drivers
$1,718
Married drivers
$325
Drivers with bad credit
$557

Lake Forest Park Car Insurance vs. Washington

People living in Lake Forest Park pay an average of 14.30% more than the typical driver in the state. The average driver in Lake Forest Park can expect to pay about $965 per year, or $1,605 for full coverage.

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

Car Insurance Prices by Lake Forest Park Neighborhood

Lake Forest Park, 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 Lake Forest Park?

The map shows insurance prices in and around Lake Forest Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $179 per year within the city boundaries, with insurance premiums ranging from a high of $1,700 to a low of $1,521. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Lake Forest Park.

Pick the Best Car Insurance Company for You in Lake Forest Park

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 Lake Forest Park insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lake Forest Park

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $470 over the average Lake Forest Park car insurance company.

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We use the average good driver, paying $95 per month, as our baseline for pricing in Lake Forest Park. 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 Lake Forest Park drivers with accidents on their records

In Lake Forest Park getting into an accident will raise premiums an average 33% for a yearly cost of $2,384. That's $780 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 $830 over the competition.

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The best car insurance company for Lake Forest Park drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $598 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 Lake Forest Park, tickets raise premiums on new quotes about $504. If you have a speeding ticket, we recommend State Farm, Geico, and Metromile for savings that beat the average insurance cost of $2,109 per year.

The best auto insurance for Lake Forest Park drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,409 per year in auto insurance premiums, which was $805 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 $453 less each year.

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The least expensive car insurance company for new and young drivers in Lake Forest Park

In Lake Forest Park, State Farm costs young drivers $1,718 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 Lake Forest Park. With an average cost of $5,920 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 Lake Forest Park

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $123. State Farm, Geico, and Progressive provided the largest discounts to couples living in Lake Forest Park.

State Farm gave the largest car insurance discounts to married couples, averaging $325 saved each year compared to an average Lake Forest Park couple's premiums.

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The cheapest car insurance in Lake Forest Park for drivers with bad credit

People with poor credit saved an average of $557 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $935 every year. Premiums for people with poor credit were about $2,540 in Lake Forest Park. 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 Lake Forest Park car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lake Forest Park, 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 Lake Forest Park.

Nationwide was the best company for customer service in Lake Forest Park 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 Lake Forest Park, 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 Lake Forest Park. 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 Lake Forest Park

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Lake Forest Park residents who are renting, and don't plan to be in the city or state 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 Lake Forest Park 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 Lake Forest Park, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Lake Forest Park

What Influences the Cost of Car Insurance in Lake Forest Park?

On average, car insurance in Lake Forest Park 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 Lake Forest Park is 39 minutes, which is a little more than 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 Lake Forest Park 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 B- according to CrimeGrade.org.
  • Lake Forest Park is one of the least populated areas 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 Lake Forest Park is $80 per month for minimum coverage and $134 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

Cities with Similar Populations

* Who is the average Lake Forest Park driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lake Forest Park 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.