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Get Cheap Car Insurance in Port Ludlow, WA
We monitor insurance prices, helping the average driver in Port Ludlow save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Port Ludlow
The chart below shows the cheapest car insurance company in Port Ludlow 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.
| Port Ludlow Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| State Farm | $53 |
| Progressive | $59 |
| Geico | $64 |
Savings for Every Kind of Port Ludlow Driver
Based on our extensive insurance data, we know the average Port Ludlow 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 $405 per year by choosing the right vehicle insurance company. Some Port Ludlow residents are paying out over $1,383 extra every year for auto insurance in Port Ludlow. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port Ludlow, WA Savings / Yr. |
|---|---|
$405 |
|
$715 |
|
$515 |
|
$390 |
|
$1,481 |
|
$280 |
|
$480 |
Port Ludlow Car Insurance vs. Washington
People living in Port Ludlow pay an average of 1.46% less than the typical driver in the state. The average driver in Port Ludlow can expect to pay about $832 per year, or $1,383 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Port Ludlow for most people.
Car Insurance Prices by Port Ludlow Neighborhood
Insurance Prices
Where is insurance cheapest within Port Ludlow?
The map shows insurance prices in and around Port Ludlow, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $68 per year within the city boundaries, with insurance premiums ranging from a high of $1,404 to a low of $1,336. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Port Ludlow.Pick the Best Car Insurance Company for You in Port Ludlow
The best car insurance provider for most drivers in Port Ludlow
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $405 over the average Port Ludlow car insurance company.
The best car insurance provider for Port Ludlow 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 $715 over the competition.
The best car insurance company for Port Ludlow drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $515 better than other car insurance companies.
The best auto insurance for Port Ludlow drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $390 less each year.
The least expensive car insurance company for new and young drivers in Port Ludlow
In Port Ludlow, State Farm costs young drivers $1,481 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port Ludlow
State Farm gave the largest car insurance discounts to married couples, averaging $280 saved each year compared to an average Port Ludlow couple's premiums.
The cheapest car insurance in Port Ludlow for drivers with bad credit
The best Port Ludlow car insurance company for customer service
Nationwide was the best company for customer service in Port Ludlow according to the NAIC.
Recent price drops
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The cheapest large national provider in Port Ludlow
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Port Ludlow 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 Port Ludlow, 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 Port Ludlow
What Influences the Cost of Car Insurance in Port Ludlow?
On average, car insurance in Port Ludlow is actually less expensive than the rest of the state. These low 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 Port Ludlow 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.
- Port Ludlow has an average population density 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 Port Ludlow is $69 per month for minimum coverage and $115 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
- Hansville: Insurance costs 3.98% more
- Chimacum: Insurance costs 3.47% less
- Port Gamble: Insurance costs 2.39% more
- Port Hadlock: Insurance costs 1.59% less
- Nordland: Insurance costs 4.05% less
- Port Hadlock-Irondale: Insurance costs 3.47% less
- East Quilcene: Insurance costs 0.36% less
- Quilcene: Insurance costs 0.80% less
- Discovery Bay: Insurance costs 3.11% less
- Kingston: Insurance costs 4.05% more
Cities with Similar Populations
- Chocowinity: Insurance costs 8.89% less
- Coatesville: Insurance costs 12.80% less
- Many Farms: Insurance costs 28.92% more
- Maple Lake: Insurance costs 19.23% more
- Marietta: Insurance costs 20.03% more
- Mount Morris: Insurance costs 58.71% more
- Clatskanie: Insurance costs 9.54% more
- Clarkson: Insurance costs 51.77% more
- Clarksburg: Insurance costs 33.69% more
- Clarkdale: Insurance costs 25.16% more