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Get Cheap Car Insurance in Mercer Island, WA
We monitor insurance prices, helping the average driver in Mercer Island save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Mercer Island
The chart below shows the cheapest car insurance company in Mercer Island 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 Island Insurer | Monthly Cost |
|---|---|
| Metromile | $56 |
| State Farm | $62 |
| Progressive | $69 |
| Geico | $75 |
Savings for Every Kind of Mercer Island Driver
Based on our extensive insurance data, we know the average Mercer Island 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 $475 per year by choosing the right vehicle insurance company. Some Mercer Island residents are paying out over $1,622 extra every year for auto insurance in Mercer Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mercer Island, WA Savings / Yr. |
|---|---|
$475 |
|
$839 |
|
$604 |
|
$457 |
|
$1,736 |
|
$328 |
|
$562 |
Mercer Island Car Insurance vs. Washington
People living in Mercer Island pay an average of 15.50% more than the typical driver in the state. The average driver in Mercer Island can expect to pay about $975 per year, or $1,622 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Mercer Island for most people.
Car Insurance Prices by Mercer Island Neighborhood
Insurance Prices
Where is insurance cheapest within Mercer Island?
The map shows insurance prices in and around Mercer Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $203 per year within the city boundaries, with insurance premiums ranging from a high of $1,737 to a low of $1,534. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Mercer Island.Pick the Best Car Insurance Company for You in Mercer Island
The best car insurance provider for most drivers in Mercer Island
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $475 over the average Mercer Island car insurance company.
The best car insurance provider for Mercer Island 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 $839 over the competition.
The best car insurance company for Mercer Island drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $604 better than other car insurance companies.
The best auto insurance for Mercer Island drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $457 less each year.
The least expensive car insurance company for new and young drivers in Mercer Island
In Mercer Island, State Farm costs young drivers $1,736 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mercer Island
State Farm gave the largest car insurance discounts to married couples, averaging $328 saved each year compared to an average Mercer Island couple's premiums.
The cheapest car insurance in Mercer Island for drivers with bad credit
The best Mercer Island car insurance company for customer service
Nationwide was the best company for customer service in Mercer Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Mercer Island
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mercer Island 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 Mercer Island, 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 Mercer Island
What Influences the Cost of Car Insurance in Mercer Island?
On average, car insurance in Mercer Island 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:
- 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 Island are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Mercer Island 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 Mercer Island is $81 per month for minimum coverage and $135 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
- Beaux Arts Village: Insurance costs 4.50% less
- Newcastle: Insurance costs 1.85% more
- Bellevue: Insurance costs 1.17% more
- Medina: Insurance costs 1.36% less
- Clyde Hill: Insurance costs 4.81% less
- Bryn Mawr-Skyway: Insurance costs 10.42% more
- Hunts Point: Insurance costs 4.93% less
- Yarrow Point: Insurance costs 4.93% less
- Boulevard Park: Insurance costs 6.54% more
- Seattle: Insurance costs the same
Cities with Similar Populations
- Allendale: Insurance costs 69.79% more
- Yorkville: Insurance costs 9.19% less
- Yelm: Insurance costs 9.93% less
- West Hempstead: Insurance costs 85.57% more
- Wayne: Insurance costs 12.58% less
- Waukee: Insurance costs 26.02% less
- Watertown: Insurance costs 32.31% less
- Wallingford: Insurance costs 19.05% more
- Wakefield: Insurance costs 1.73% more
- Waianae: Insurance costs 10.73% less