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 Point Roberts for teen drivers is Nationwide
  • Average car insurance rates in Point Roberts, WA are $228/month
  • Average car insurance rates in Point Roberts, WA for senior drivers are $1,475/year

Average car insurance rates in Point Roberts, Washington are $228 a month. But with a little research you can get a great deal from the top car insurance companies in Point Roberts, WA. Before you buy Point Roberts, Washington car insurance, make sure your coverage meets or exceeds the Washington minimum of 25/50/10.

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

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

Point Roberts, WA Minimum Car Insurance Coverage

Point Roberts, 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 Point Roberts, 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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Point Roberts, WA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Point Roberts, Washington

Insurance Company Low Medium High
Allstate $2,714 $2,845 $3,001
American Family $2,818 $2,985 $3,165
Farmers $2,932 $3,144 $3,340
GEICO $2,334 $2,496 $2,655
Liberty Mutual $3,461 $3,719 $3,957
Nationwide $1,807 $1,911 $2,018
Progressive $2,885 $3,095 $3,555
State Farm $2,013 $2,165 $2,291
USAA $2,067 $2,199 $2,336

Point Roberts, WA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Point Roberts, 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 $1,731 $1,720 $1,598 $1,670 $5,739 $6,609 $1,845 $1,918
American Family $1,584 $1,584 $1,447 $1,447 $5,991 $8,162 $1,584 $2,114
Farmers $2,222 $2,279 $2,034 $2,294 $5,085 $5,464 $2,800 $2,929
GEICO $1,685 $1,715 $1,581 $1,581 $3,679 $4,793 $2,856 $2,070
Liberty Mutual $1,656 $1,821 $1,495 $1,759 $9,163 $10,085 $1,781 $1,938
Nationwide $1,246 $1,273 $1,161 $1,206 $3,313 $4,024 $1,480 $1,594
Progressive $1,503 $1,402 $1,355 $1,370 $7,637 $8,568 $1,799 $1,793
State Farm $1,353 $1,353 $1,217 $1,217 $3,886 $4,919 $1,537 $1,766
USAA $1,102 $1,086 $1,060 $1,059 $4,757 $5,634 $1,389 $1,518

Point Roberts, WA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Point Roberts, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,739 $6,609
American Family $5,991 $8,162
Farmers $5,085 $5,464
GEICO $3,679 $4,793
Liberty Mutual $9,163 $10,085
Nationwide $3,313 $4,024
Progressive $7,637 $8,568
State Farm $3,886 $4,919
USAA $4,757 $5,634

Point Roberts, WA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Point Roberts, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,598 $1,670
American Family $1,447 $1,447
Farmers $2,034 $2,294
GEICO $1,581 $1,581
Liberty Mutual $1,495 $1,759
Nationwide $1,161 $1,206
Progressive $1,355 $1,370
State Farm $1,217 $1,217
USAA $1,060 $1,059

Point Roberts, WA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Point Roberts, Washington

Insurance Company Poor Fair Good
Allstate $3,544 $2,698 $2,318
American Family $3,526 $2,882 $2,561
Farmers $3,826 $2,894 $2,696
GEICO $2,970 $2,376 $2,139
Liberty Mutual $5,305 $3,267 $2,565
Nationwide $2,270 $1,791 $1,676
Progressive $3,500 $3,125 $2,910
State Farm $3,129 $1,879 $1,461
USAA $2,776 $2,036 $1,790

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Point Roberts, WA Car Insurance Rates by Driver History

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

Annual Point Roberts, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,427 $2,993 $3,299 $2,695
American Family $2,398 $3,069 $3,552 $2,939
Farmers $2,591 $3,225 $3,512 $3,226
GEICO $1,931 $2,462 $3,656 $1,931
Liberty Mutual $3,168 $3,992 $4,067 $3,623
Nationwide $1,494 $2,010 $2,514 $1,630
Progressive $2,575 $4,028 $3,004 $3,106
State Farm $1,962 $2,351 $2,156 $2,156
USAA $1,620 $2,346 $2,921 $1,914

Point Roberts, WA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Point Roberts, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,299
American Family $3,552
Farmers $3,512
GEICO $3,656
Liberty Mutual $4,067
Nationwide $2,514
Progressive $3,004
State Farm $2,156
USAA $2,921

Point Roberts, WA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Point Roberts, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,854 $2,854
American Family $2,928 $3,050
Farmers $3,139 $3,139
GEICO $2,463 $2,526
Liberty Mutual $3,712 $3,712
Nationwide $1,912 $1,912
Progressive $3,178 $3,178
State Farm $2,097 $2,215
USAA $2,179 $2,222

Point Roberts, WA Cheapest Car Insurance Rates

How do the top Point Roberts, Washington car insurance companies’ average rates stack up against the Point Roberts average monthly car insurance rates of $228? Take a look and see.

Best Annual Car Insurance Rates by Company in Point Roberts, 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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Point Roberts, WA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Point Roberts, Washington

Insurance Company Average Annual Rates
Allstate $2,854
American Family $2,989
Farmers $3,139
GEICO $2,495
Liberty Mutual $3,712
Nationwide $1,912
Progressive $3,178
State Farm $2,156
USAA $2,201

Other Factors Affecting Point Roberts, WA Car Insurance Rates

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

Point Roberts, WA Commute Time

How does your Point Roberts, WA commute time compare with the average driver? In Point Roberts, the average commute is 22.9 minutes.

Point Roberts, WA Car Insurance Quotes

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