A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 7, 2022

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Just What's Essential

  • 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.

Minimum Required Car Insurance Coverage in Olympia, 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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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.

Annual Car Insurance Rates by Coverage Level in Olympia, Washington

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Olympia, 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 $1,949 $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.

Annual Car Insurance Rates for Teen Drivers in Olympia, Washington

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.

Annual Car Insurance Rates for Senior Drivers in Olympia, Washington

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.

Annual Car Insurance Rates by Credit Score in Olympia, Washington

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.

Annual Olympia, Washington Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Olympia, Washington

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.

Annual Car Insurance Rates by ZIP Code in Olympia, Washington

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.

Annual Car Insurance Rates by Commute Length in Olympia, Washington

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.

Best Annual Car Insurance Rates by Company in Olympia, 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

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.

Average Annual Car Insurance Rates by Company in Olympia, Washington

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.