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Get Cheap Car Insurance in Mercer Heights, Mercer Island, WA

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

 

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The Cheapest Minimum Coverage in Mercer Heights

The chart below shows the cheapest car insurance company in Mercer Heights 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.

 
Mercer Heights Insurer Monthly Cost
Metromile $55
State Farm $61
Progressive $68
Geico $73

Savings for Every Kind of Mercer Heights Driver

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

Based on our extensive insurance data, we know the average Mercer Heights 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 $466 per year by choosing the right vehicle insurance company. Some Mercer Heights residents are paying out over $1,593 extra every year for auto insurance in Mercer Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mercer Heights, Mercer Island, WA Savings / Yr.
Drivers with good records
$466
Drivers with accidents
$824
Drivers with speeding tickets
$594
Drivers with a DUI conviction
$449
Young drivers
$1,706
Married drivers
$322
Drivers with bad credit
$553

Mercer Heights Car Insurance vs. Mercer Island

People living in Mercer Heights pay an average of 13.49% more than the typical driver in the state. The average driver in Mercer Heights can expect to pay about $958 per year, or $1,593 for full coverage.

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

Car Insurance Prices by Mercer Heights Neighborhood

Mercer Heights, Mercer Island, WA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Mercer Heights?

The map shows insurance prices in and around Mercer Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $106 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,659 to a low of $1,553. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Mercer Heights.

Pick the Best Car Insurance Company for You in Mercer Heights

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 Mercer Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mercer Heights

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $466 over the average Mercer Heights car insurance company.

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We use the average good driver, paying $94 per month, as our baseline for pricing in Mercer Heights. 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 Mercer Heights drivers with accidents on their records

In Mercer Heights getting into an accident will raise premiums an average 33% for a yearly cost of $2,367. That's $774 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 $824 over the competition.

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The best car insurance company for Mercer Heights drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $594 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 Mercer Heights, tickets raise premiums on new quotes about $500. If you have a speeding ticket, we recommend State Farm, Geico, and Metromile for savings that beat the average insurance cost of $2,094 per year.

The best auto insurance for Mercer Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,392 per year in auto insurance premiums, which was $799 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 $449 less each year.

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

In Mercer Heights, State Farm costs young drivers $1,706 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 Mercer Heights. With an average cost of $5,878 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 Mercer Heights

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 Mercer Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $322 saved each year compared to an average Mercer Heights couple's premiums.

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The cheapest car insurance in Mercer Heights for drivers with bad credit

People with poor credit saved an average of $553 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $928 every year. Premiums for people with poor credit were about $2,522 in Mercer Heights. 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 Mercer Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mercer Heights, 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 Mercer Heights.

Nationwide was the best company for customer service in Mercer Heights 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 Mercer Heights, 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 Mercer Heights. 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 Mercer Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 18% of Mercer Heights 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 Mercer Heights 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 Mercer Heights, 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 Mercer Heights

What Influences the Cost of Car Insurance in Mercer Heights?

On average, car insurance in Mercer Heights 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 Mercer Heights is 27 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 Mercer Heights are among the highest 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.
  • Mercer Heights has an average population density 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 Mercer Heights is $80 per month for minimum coverage and $133 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 Mercer Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mercer Heights 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.