Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Ellensburg for teen drivers is Nationwide
  • The annual number of car thefts in Ellensburg is 28.
  • Average car insurance rates in Ellensburg, WA are $221/month

Average car insurance rates in Ellensburg, Washington are $221 a month. But with a little research you can get a great deal from the top car insurance companies in Ellensburg, WA. Before you buy Ellensburg, Washington car insurance, make sure your coverage meets or exceeds the Washington minimum of 25/50/10.

It may even be helpful to compare Ellensburg car insurance rates with Seattle car insurance rates, Spokane car insurance rates, or Bellevue car insurance rates to make sure you’re getting the best Ellensburg, WA car insurance quotes available.

Need affordable Ellensburg, WA car insurance? Enter your ZIP code to compare Ellensburg car insurance quotes from multiple car insurance companies near you.

Ellensburg, WA Minimum Car Insurance Coverage

Ellensburg, Washington law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ellensburg, Washington

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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Ellensburg, WA Car Insurance Rates by Coverage Level

Some Ellensburg drivers can get by with the Washington minimum coverage of 25/50/10. Other drivers may need more. See how much your Ellensburg, Washington car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ellensburg, Washington

Insurance Company Low Medium High
Allstate $3,083 $3,258 $3,464
American Family $3,074 $3,233 $3,407
Farmers $2,277 $2,432 $2,581
GEICO $2,324 $2,460 $2,592
Liberty Mutual $3,469 $3,694 $3,902
Nationwide $1,749 $1,840 $1,931
Progressive $2,665 $2,856 $3,280
State Farm $1,932 $2,067 $2,177
USAA $1,821 $1,943 $2,072

Ellensburg, WA Car Insurance Rates by Age, Gender, and Marital Status

Ellensburg, Washington car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ellensburg, WA car insurance, get quotes from multiple car insurance companies in the Ellensburg area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ellensburg, Washington

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 $1,940 $1,921 $1,792 $1,876 $6,685 $7,727 $2,062 $2,143
American Family $1,706 $1,706 $1,557 $1,557 $6,483 $8,886 $1,706 $2,304
Farmers $1,737 $1,780 $1,592 $1,787 $3,898 $4,172 $2,183 $2,291
GEICO $1,659 $1,689 $1,558 $1,558 $3,622 $4,731 $2,813 $2,042
Liberty Mutual $1,658 $1,815 $1,488 $1,743 $9,072 $10,008 $1,780 $1,944
Nationwide $1,201 $1,227 $1,117 $1,162 $3,178 $3,877 $1,424 $1,537
Progressive $1,394 $1,301 $1,255 $1,269 $7,029 $7,888 $1,669 $1,665
State Farm $1,294 $1,294 $1,160 $1,160 $3,704 $4,696 $1,469 $1,692
USAA $995 $983 $956 $958 $4,146 $4,904 $1,252 $1,370

Ellensburg, WA Car Insurance Rates for Teens

How much is Ellensburg, Washington car insurance for teens? Compare rates from top Ellensburg car insurance companies below to help find the cheapest teen car insurance in Ellensburg, WA.

Annual Car Insurance Rates for Teen Drivers in Ellensburg, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,685 $7,727
American Family $6,483 $8,886
Farmers $3,898 $4,172
GEICO $3,622 $4,731
Liberty Mutual $9,072 $10,008
Nationwide $3,178 $3,877
Progressive $7,029 $7,888
State Farm $3,704 $4,696
USAA $4,146 $4,904

Ellensburg, WA Car Insurance Rates for Seniors

Before seniors buy Ellensburg, Washington car insurance, they should make sure to shop around. Some Ellensburg, WA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ellensburg, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,792 $1,876
American Family $1,557 $1,557
Farmers $1,592 $1,787
GEICO $1,558 $1,558
Liberty Mutual $1,488 $1,743
Nationwide $1,117 $1,162
Progressive $1,255 $1,269
State Farm $1,160 $1,160
USAA $956 $958

Ellensburg, WA Car Insurance Rates by Credit History

How does your credit history affect Ellensburg, WA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Ellensburg, Washington

Insurance Company Poor Fair Good
Allstate $4,060 $3,091 $2,653
American Family $3,823 $3,120 $2,771
Farmers $2,979 $2,232 $2,080
GEICO $2,927 $2,342 $2,108
Liberty Mutual $5,270 $3,246 $2,550
Nationwide $2,184 $1,726 $1,611
Progressive $3,235 $2,883 $2,682
State Farm $2,993 $1,792 $1,391
USAA $2,455 $1,799 $1,582

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Ellensburg, WA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ellensburg, Washington car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ellensburg.

Annual Ellensburg, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,757 $3,437 $3,801 $3,078
American Family $2,600 $3,322 $3,848 $3,181
Farmers $2,012 $2,496 $2,719 $2,494
GEICO $1,898 $2,427 $3,613 $1,898
Liberty Mutual $3,151 $3,959 $4,044 $3,601
Nationwide $1,436 $1,935 $2,423 $1,568
Progressive $2,379 $3,712 $2,775 $2,869
State Farm $1,875 $2,243 $2,059 $2,059
USAA $1,436 $2,070 $2,582 $1,694

Ellensburg, WA Car Insurance Rates With a DUI

Even a single DUI can increase your Ellensburg, WA car insurance rates. Compare rates below to see which Ellensburg car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ellensburg, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
American Family $3,848
Farmers $2,719
GEICO $3,613
Liberty Mutual $4,044
Nationwide $2,423
Progressive $2,775
State Farm $2,059
USAA $2,582

Ellensburg, WA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ellensburg, WA car insurance rates may be. Let’s take a look at average car insurance rates from top Ellensburg companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ellensburg, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,268 $3,268
American Family $3,171 $3,304
Farmers $2,430 $2,430
GEICO $2,428 $2,490
Liberty Mutual $3,689 $3,689
Nationwide $1,840 $1,840
Progressive $2,934 $2,934
State Farm $2,002 $2,115
USAA $1,926 $1,965

Ellensburg, WA Cheapest Car Insurance Rates

How do the top Ellensburg, Washington car insurance companies’ average rates stack up against the Ellensburg average monthly car insurance rates of $221? Take a look and see.

Best Annual Car Insurance Rates by Company in Ellensburg, Washington

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Ellensburg, WA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ellensburg, Washington car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ellensburg, Washington

Insurance Company Average Annual Rates
Allstate $3,268
American Family $3,238
Farmers $2,430
GEICO $2,459
Liberty Mutual $3,689
Nationwide $1,840
Progressive $2,934
State Farm $2,059
USAA $1,945

Other Factors Affecting Ellensburg, WA Car Insurance Rates

Before you buy Ellensburg, Washington car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ellensburg, WA Car Theft Rates

The car theft rate in Ellensburg, WA will affect your car insurance rates. FBI data shows that the annual car theft rate for Ellensburg, Washington is 28 stolen cars.

Ellensburg, WA Commute Time

How does your Ellensburg, WA commute time compare with the average driver? In Ellensburg, the average commute is 15.8 minutes.

Ellensburg, WA Car Insurance Quotes

Compare Ellensburg, WA car insurance quotes from multiple companies by entering your ZIP code now.