Affordable Car Insurance Rates in Olympia, WA (2024)
Car insurance rates in Olympia, WA are $241/month on average. By law, Washington drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Olympia car insurance companies to get the coverage you need at the best rates available.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Olympia, WA for senior drivers are $1,540/year
- The cheapest car insurance company in Olympia for teen drivers is Nationwide
- The annual number of car thefts in Olympia is 227.
Average car insurance rates in Olympia, Washington are $241 a month. But with a little research you can get a great deal from the top car insurance companies in Olympia, WA. Before you buy Olympia, Washington car insurance, make sure your coverage meets or exceeds the Washington minimum of 25/50/10.
It may even be helpful to compare Olympia car insurance rates with Kent car insurance rates, Seattle car insurance rates, or Spokane car insurance rates to make sure you’re getting the best Olympia, WA car insurance quotes available.
Need affordable Olympia, WA car insurance? Enter your ZIP code to compare Olympia car insurance quotes from multiple car insurance companies near you.
Olympia, WA Minimum Car Insurance Coverage
Olympia, Washington law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Olympia, WA Car Insurance Rates by Coverage Level
Some Olympia drivers can get by with the Washington minimum coverage of 25/50/10. Other drivers may need more. See how much your Olympia, Washington car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,109 | $3,295 | $3,513 |
| American Family | $3,342 | $3,535 | $3,742 |
| Farmers | $2,463 | $2,648 | $2,826 |
| Geico | $2,358 | $2,525 | $2,687 |
| Liberty Mutual | $3,575 | $3,812 | $4,029 |
| Nationwide | $2,021 | $2,141 | $2,262 |
| Progressive | $2,884 | $3,106 | $3,589 |
| State Farm | $2,397 | $2,590 | $2,745 |
| USAA | $2,130 | $2,284 | $2,442 |
Olympia, WA Car Insurance Rates by Age, Gender, and Marital Status
Olympia, Washington car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Olympia, WA car insurance, get quotes from multiple car insurance companies in the Olympia area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,949 | $1,927 | $1,802 | $1,888 | $6,799 | $7,863 | $2,069 | $2,146 |
| American Family | $1,866 | $1,866 | $1,705 | $1,705 | $7,113 | $9,700 | $1,866 | $2,496 |
| Farmers | $1,874 | $1,923 | $1,716 | $1,942 | $4,288 | $4,607 | $2,360 | $2,454 |
| Geico | $1,706 | $1,737 | $1,600 | $1,600 | $3,712 | $4,847 | $2,885 | $2,097 |
| Liberty Mutual | $1,695 | $1,853 | $1,518 | $1,777 | $9,424 | $10,392 | $1,811 | $1,971 |
| Nationwide | $1,380 | $1,410 | $1,284 | $1,336 | $3,749 | $4,547 | $1,649 | $1,776 |
| Progressive | $1,518 | $1,415 | $1,368 | $1,385 | $7,665 | $8,582 | $1,812 | $1,800 |
| State Farm | $1,603 | $1,603 | $1,443 | $1,443 | $4,681 | $5,923 | $1,825 | $2,096 |
| USAA | $1,141 | $1,126 | $1,101 | $1,102 | $4,950 | $5,838 | $1,443 | $1,581 |
Olympia, WA Car Insurance Rates for Teens
How much is Olympia, Washington car insurance for teens? Compare rates from top Olympia car insurance companies below to help find the cheapest teen car insurance in Olympia, WA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,799 | $7,863 |
| American Family | $7,113 | $9,700 |
| Farmers | $4,288 | $4,607 |
| Geico | $3,712 | $4,847 |
| Liberty Mutual | $9,424 | $10,392 |
| Nationwide | $3,749 | $4,547 |
| Progressive | $7,665 | $8,582 |
| State Farm | $4,681 | $5,923 |
| USAA | $4,950 | $5,838 |
Olympia, WA Car Insurance Rates for Seniors
Before seniors buy Olympia, Washington car insurance, they should make sure to shop around. Some Olympia, WA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,802 | $1,888 |
| American Family | $1,705 | $1,705 |
| Farmers | $1,716 | $1,942 |
| Geico | $1,600 | $1,600 |
| Liberty Mutual | $1,518 | $1,777 |
| Nationwide | $1,284 | $1,336 |
| Progressive | $1,368 | $1,385 |
| State Farm | $1,443 | $1,443 |
| USAA | $1,101 | $1,102 |
Olympia, WA Car Insurance Rates by Credit History
How does your credit history affect Olympia, WA car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,104 | $3,128 | $2,684 |
| American Family | $4,177 | $3,412 | $3,030 |
| Farmers | $3,220 | $2,442 | $2,275 |
| Geico | $3,003 | $2,403 | $2,163 |
| Liberty Mutual | $5,436 | $3,350 | $2,629 |
| Nationwide | $2,549 | $2,003 | $1,872 |
| Progressive | $3,519 | $3,138 | $2,922 |
| State Farm | $3,747 | $2,244 | $1,741 |
| USAA | $2,883 | $2,114 | $1,859 |
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Olympia, WA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Olympia, Washington car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Olympia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,784 | $3,478 | $3,848 | $3,112 |
| American Family | $2,837 | $3,635 | $4,207 | $3,479 |
| Farmers | $2,190 | $2,726 | $2,945 | $2,722 |
| Geico | $1,949 | $2,490 | $3,704 | $1,949 |
| Liberty Mutual | $3,247 | $4,089 | $4,170 | $3,715 |
| Nationwide | $1,669 | $2,252 | $2,821 | $1,823 |
| Progressive | $2,586 | $4,048 | $3,017 | $3,121 |
| State Farm | $2,340 | $2,815 | $2,577 | $2,577 |
| USAA | $1,678 | $2,432 | $3,049 | $1,983 |
Olympia, WA Car Insurance Rates With a DUI
Even a single DUI can increase your Olympia, WA car insurance rates. Compare rates below to see which Olympia car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,848 |
| American Family | $4,207 |
| Farmers | $2,945 |
| Geico | $3,704 |
| Liberty Mutual | $4,170 |
| Nationwide | $2,821 |
| Progressive | $3,017 |
| State Farm | $2,577 |
| USAA | $3,049 |
Olympia, WA Car Insurance Rates by ZIP Code
Just like Olympia car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Olympia, WA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 98501 | $2,919 |
| 98502 | $2,859 |
| 98505 | $2,925 |
| 98506 | $2,892 |
| 98512 | $2,852 |
| 98513 | $2,945 |
| 98516 | $2,940 |
Olympia, WA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Olympia, WA car insurance rates may be. Let’s take a look at average car insurance rates from top Olympia companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,306 | $3,306 |
| American Family | $3,467 | $3,612 |
| Farmers | $2,646 | $2,646 |
| Geico | $2,491 | $2,555 |
| Liberty Mutual | $3,805 | $3,805 |
| Nationwide | $2,141 | $2,141 |
| Progressive | $3,193 | $3,193 |
| State Farm | $2,505 | $2,649 |
| USAA | $2,263 | $2,308 |
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Olympia, WA Cheapest Car Insurance Rates
How do the top Olympia, Washington car insurance companies’ average rates stack up against the Olympia average monthly car insurance rates of $241? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
Olympia, WA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Olympia, Washington car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,306 |
| American Family | $3,540 |
| Farmers | $2,646 |
| Geico | $2,523 |
| Liberty Mutual | $3,805 |
| Nationwide | $2,141 |
| Progressive | $3,193 |
| State Farm | $2,577 |
| USAA | $2,285 |
Other Factors Affecting Olympia, WA Car Insurance Rates
Before you buy Olympia, Washington car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Olympia, WA Car Theft Rates
The car theft rate in Olympia, WA will affect your car insurance rates. FBI data shows that the annual car theft rate for Olympia, Washington is 227 stolen cars.
Olympia, WA Commute Time
How does your Olympia, WA commute time compare with the average driver? In Olympia, the average commute is 21.3 minutes.
Olympia, WA Traffic
Spending time in Olympia traffic can lead to higher car insurance rates. According to INRIX data, Olympia, WA ranks as the 976th-most congested with traffic in the world.
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Olympia, WA Car Insurance Quotes
Compare Olympia, WA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.