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Get Cheap Car Insurance in Port Townsend, WA
We monitor insurance prices, helping the average driver in Port Townsend save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Port Townsend
The chart below shows the cheapest car insurance company in Port Townsend 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 Townsend Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| State Farm | $51 |
| Progressive | $56 |
| Geico | $61 |
Savings for Every Kind of Port Townsend Driver
Based on our extensive insurance data, we know the average Port Townsend 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 $387 per year by choosing the right vehicle insurance company. Some Port Townsend residents are paying out over $1,323 extra every year for auto insurance in Port Townsend. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port Townsend, WA Savings / Yr. |
|---|---|
$387 |
|
$684 |
|
$493 |
|
$373 |
|
$1,416 |
|
$268 |
|
$459 |
Port Townsend Car Insurance vs. Washington
People living in Port Townsend pay an average of 5.76% less than the typical driver in the state. The average driver in Port Townsend can expect to pay about $795 per year, or $1,323 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Port Townsend for most people.
Car Insurance Prices by Port Townsend Neighborhood
Insurance Prices
Where is insurance cheapest within Port Townsend?
The map shows insurance prices in and around Port Townsend, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $122 per year within the city boundaries, with insurance premiums ranging from a high of $1,386 to a low of $1,264. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Port Townsend.Pick the Best Car Insurance Company for You in Port Townsend
The best car insurance provider for most drivers in Port Townsend
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $387 over the average Port Townsend car insurance company.
The best car insurance provider for Port Townsend 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 $684 over the competition.
The best car insurance company for Port Townsend drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $493 better than other car insurance companies.
The best auto insurance for Port Townsend drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $373 less each year.
The least expensive car insurance company for new and young drivers in Port Townsend
In Port Townsend, State Farm costs young drivers $1,416 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port Townsend
State Farm gave the largest car insurance discounts to married couples, averaging $268 saved each year compared to an average Port Townsend couple's premiums.
The cheapest car insurance in Port Townsend for drivers with bad credit
The best Port Townsend car insurance company for customer service
Nationwide was the best company for customer service in Port Townsend according to the NAIC.
Recent price drops
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The cheapest large national provider in Port Townsend
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Port Townsend 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 Townsend, 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 Townsend
What Influences the Cost of Car Insurance in Port Townsend?
On average, car insurance in Port Townsend 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:
- The average commute time in Port Townsend is 22 minutes, which is far less 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 Port Townsend are among the lowest 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 Townsend 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 Townsend is $66 per month for minimum coverage and $110 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
- Glen Cove: Insurance costs 0.30% more
- Port Hadlock-Irondale: Insurance costs 0.91% more
- Nordland: Insurance costs 0.30% more
- Port Hadlock: Insurance costs 2.87% more
- Chimacum: Insurance costs 0.91% more
- Gardiner: Insurance costs 2.65% more
- Prairie Center: Insurance costs 1.44% less
- Coupeville: Insurance costs 2.57% more
- Greenbank: Insurance costs 6.42% more
- Discovery Bay: Insurance costs 1.28% more
Cities with Similar Populations
- Scotts Valley: Insurance costs 43.84% more
- Fort Thomas: Insurance costs 55.71% more
- Fostoria: Insurance costs 16.48% less
- Fullerton: Insurance costs 11.94% more
- Galion: Insurance costs 16.70% less
- Gardendale: Insurance costs 17.01% more
- Gaylord: Insurance costs 104.16% more
- Glenn Heights: Insurance costs 49.66% more
- Rio Linda: Insurance costs 60.09% more
- Riverside: Insurance costs 74.60% more