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 Lacey for teen drivers is Nationwide
  • Average car insurance rates in Lacey, WA for senior drivers are $1,579/year
  • Average car insurance rates in Lacey, WA are $247/month

Average car insurance rates in Lacey, Washington are $247 a month. But with a little research you can get a great deal from the top car insurance companies in Lacey, WA. Before you buy Lacey, Washington car insurance, make sure your coverage meets or exceeds the Washington minimum of 25/50/10.

It may even be helpful to compare Lacey car insurance rates with Kent car insurance rates, Renton car insurance rates, or Everett car insurance rates to make sure you’re getting the best Lacey, WA car insurance quotes available.

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

Lacey, WA Minimum Car Insurance Coverage

Lacey, 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 Lacey, 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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Lacey, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lacey, Washington

Insurance Company Low Medium High
Allstate $3,252 $3,444 $3,670
American Family $3,472 $3,674 $3,891
Farmers $2,603 $2,801 $2,992
GEICO $2,358 $2,525 $2,687
Liberty Mutual $3,786 $4,062 $4,313
Nationwide $2,018 $2,140 $2,262
Progressive $2,872 $3,097 $3,582
State Farm $2,397 $2,590 $2,745
USAA $2,158 $2,313 $2,471

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lacey, 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 $2,019 $1,994 $1,869 $1,959 $7,159 $8,287 $2,140 $2,217
American Family $1,941 $1,941 $1,774 $1,774 $7,394 $10,079 $1,941 $2,593
Farmers $1,979 $2,031 $1,812 $2,053 $4,543 $4,882 $2,495 $2,592
GEICO $1,706 $1,737 $1,600 $1,600 $3,712 $4,847 $2,885 $2,097
Liberty Mutual $1,793 $1,964 $1,610 $1,894 $10,088 $11,088 $1,913 $2,076
Nationwide $1,379 $1,409 $1,285 $1,336 $3,747 $4,542 $1,649 $1,775
Progressive $1,510 $1,406 $1,362 $1,378 $7,656 $8,569 $1,801 $1,787
State Farm $1,603 $1,603 $1,443 $1,443 $4,681 $5,923 $1,825 $2,096
USAA $1,150 $1,133 $1,112 $1,110 $5,033 $5,934 $1,453 $1,589

Lacey, WA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lacey, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,159 $8,287
American Family $7,394 $10,079
Farmers $4,543 $4,882
GEICO $3,712 $4,847
Liberty Mutual $10,088 $11,088
Nationwide $3,747 $4,542
Progressive $7,656 $8,569
State Farm $4,681 $5,923
USAA $5,033 $5,934

Lacey, WA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lacey, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,869 $1,959
American Family $1,774 $1,774
Farmers $1,812 $2,053
GEICO $1,600 $1,600
Liberty Mutual $1,610 $1,894
Nationwide $1,285 $1,336
Progressive $1,362 $1,378
State Farm $1,443 $1,443
USAA $1,112 $1,110

Lacey, WA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lacey, Washington

Insurance Company Poor Fair Good
Allstate $4,284 $3,275 $2,808
American Family $4,341 $3,547 $3,151
Farmers $3,406 $2,583 $2,406
GEICO $3,003 $2,403 $2,163
Liberty Mutual $5,790 $3,570 $2,799
Nationwide $2,547 $2,001 $1,872
Progressive $3,506 $3,130 $2,915
State Farm $3,747 $2,244 $1,741
USAA $2,918 $2,140 $1,884

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Lacey, WA Car Insurance Rates by Driver History

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

Annual Lacey, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,905 $3,635 $4,031 $3,251
American Family $2,949 $3,779 $4,374 $3,616
Farmers $2,316 $2,885 $3,113 $2,879
GEICO $1,949 $2,490 $3,704 $1,949
Liberty Mutual $3,455 $4,362 $4,440 $3,957
Nationwide $1,669 $2,251 $2,819 $1,822
Progressive $2,578 $4,040 $3,006 $3,110
State Farm $2,340 $2,815 $2,577 $2,577
USAA $1,698 $2,464 $3,085 $2,008

Lacey, WA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lacey, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,031
American Family $4,374
Farmers $3,113
GEICO $3,704
Liberty Mutual $4,440
Nationwide $2,819
Progressive $3,006
State Farm $2,577
USAA $3,085

Lacey, WA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lacey, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
American Family $3,605 $3,754
Farmers $2,799 $2,799
GEICO $2,491 $2,555
Liberty Mutual $4,053 $4,053
Nationwide $2,140 $2,140
Progressive $3,184 $3,184
State Farm $2,505 $2,649
USAA $2,291 $2,337

Lacey, WA Cheapest Car Insurance Rates

How do the top Lacey, Washington car insurance companies’ average rates stack up against the Lacey average monthly car insurance rates of $247? Take a look and see.

Best Annual Car Insurance Rates by Company in Lacey, Washington

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

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Lacey, WA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lacey, Washington

Insurance Company Average Annual Rates
Allstate $3,456
American Family $3,679
Farmers $2,799
GEICO $2,523
Liberty Mutual $4,053
Nationwide $2,140
Progressive $3,184
State Farm $2,577
USAA $2,314

Other Factors Affecting Lacey, WA Car Insurance Rates

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

Lacey, WA Car Theft Rates

The car theft rate in Lacey, WA will affect your car insurance rates. FBI data shows that the annual car theft rate for Lacey, Washington is 97 stolen cars.

Lacey, WA Commute Time

How does your Lacey, WA commute time compare with the average driver? In Lacey, the average commute is 26.4 minutes.

Lacey, WA Car Insurance Quotes

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