Everything You Need to Know About Auto Insurance in Washington
Everett, the county seat of Snohomish County, Washington, is just 25 miles north of Seattle. It serves as both a bedroom community and a significant employment hub. Despite its blue-collar roots, the city has a thriving arts scene with galleries, theaters, and major performing arts centers. Everett also hosts popular annual events, including the bustling Farmers Market, which draws 5,000 visitors weekly.
For outdoor enthusiasts, Everett offers more than 40 parks, trails, golf courses, and playgrounds, as well as public beaches along the Snohomish River. The city also features boat launches for recreational boating, making it a prime destination for those who love the water.
With so much to explore, reliable transportation is essential for Everett residents. All drivers in the city are required to carry auto insurance. Learn more about car insurance in Washington, including average monthly premiums and penalties for driving without coverage.
How Much Does Car Insurance Cost in Everett, Washington?
Everett drivers pay an average of $1,423 per year for full coverage car insurance and $758 for minimum coverage. This is lower than the national averages of $2,670 and $773, respectively. Washington state also has lower rates, averaging $1,865 for full coverage and $562 for minimum coverage.
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What Does Full vs. Minimum Mean?
Knowing the difference between minimum state-required insurance and full-coverage insurance is essential for choosing the best insurance for your needs.
The minimum state-required liability insurance, or liability insurance, is the minimum level of protection offered in Washington. You must own a liability insurance policy to legally operate a vehicle in Washington for its insurance coverage for injury and property damage for others if you cause a wreck.
You want the full coverage insurance policy for a more thorough level of protection. A full coverage policy adds to the liability insurance by offering comprehensive and collision protection. Comprehensive insurance covers damage unrelated to a car accident, such as a falling branch or if your vehicle is stolen, and collision insurance applies in the event of an accident with another vehicle.
Affordable Car Insurance Rates Comparison by Cities in Washington
Most Washington residents live in or around the three largest cities: Seattle, Spokane, and Tacoma. Population density leads to more auto accidents, theft, and personal injury lawsuits. More claims in an area means the insurance rates will be higher on average in those areas. Check out our breakdown below to compare the average monthly premiums paid in Washington cities.
City | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Everett | $119 | $47 |
Seattle | $149 | $53 |
Spokane | $135 | $45 |
Tacoma | $179 | $63 |
Bellevue | $147 | $53 |
Affordable Everett Car Insurance Rates by Zip Code
It is not just within cities that car insurance rates can vary. Rates can vary between zip codes as well. Like cities, if your zip code sees higher insurance claims, you can expect higher premium costs. See below for the average rates in and around Everett.
Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
98201 | $119 | $47 |
98203 | $118 | $47 |
98204 | $120 | $48 |
98208 | $118 | $48 |
98258 | $112 | $44 |
98290 | $110 | $43 |
98270 | $113 | $46 |
98292 | $102 | $39 |
98271 | $113 | $45 |
Low-Cost Car Insurance Rates by Age in Everett
The age of the driver is going to affect the monthly premiums. On average, teenagers will pay the highest rates due to inexperience and higher claim rates. See below for a breakdown of average monthly premiums based on Everett residents’ ages.
Age | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Teenagers | $515 | $224 |
20s | $137 | $55 |
30s | $115 | $46 |
40s | $110 | $44 |
50s | $104 | $42 |
60s | $109 | $45 |
70s | $135 | $59 |
*Disclaimer: The following factors determine average costs unless otherwise specified: male, age 30, lowest possible legal coverage in Washington. Your rates may vary and will be determined by numerous factors, including age, gender, and the amount of coverage you want to purchase.
Driving Conditions in Everett
How Many Fatal Accidents Happen in Everett?
In 2021, Everett had 10 auto accident fatalities and 71 serious injuries.
The primary culprits for these unfortunate accidents are:
- Drunk Driving
- Speeding
- Distracted Driving
- Weather Conditions
- Aggressive Driving
How Are the Road Infrastructure and Bridges in Everett?
The Transportation Engineering Department, within Public Works, maintains and improves the way residents of Everett travel through their city. This includes bridges, streets, traffic signals, road signs, storm drains, and public parks. The city engineers help ensure the safe and efficient operation of all forms of transportation on a day-to-day basis.
Minimum Car Insurance Requirements in Everett
The mandatory car insurance requirements in Everett include the following:
- Liability coverage of $25,000 per person
- $50,000 per accident
- $10,000 in property damage
This level of coverage is called 25/50/10 liability insurance. All drivers must be prepared to show proof of insurance at all times if pulled over by law enforcement. If you do not have proof of insurance, expect to receive a fine.
What Are the Penalties for Driving Without Insurance in Everett, Washington?
It is not cheap to drive in Washington without car insurance. You can expect hefty penalties if you are caught driving without insurance. These penalties include:
- Failing to present proof of insurance can lead to being charged $250 for the first offense, plus a $25 court fee.
- Driving without the minimum 25/50/10 liability coverage insurance can lead to penalties, including suspension of your driver’s license and misdemeanor charges.
- If you are driving without insurance and are involved in an accident that causes more than $1,000 in damages, your license can be suspended for up to three years.
- To earn your license back, you must file an SR-22 (Certification of Financial Responsibility) showing that you now have property insurance coverage.
- Most drivers who must file an SR-22 are considered higher risk by insurance companies and will have to pay higher premiums for coverage.
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Factors Allowed in Everett Car Insurance Rates
Washington insurance companies can look into several factors when determining your car insurance premiums. See below for a list of the factors your agent can legally consider:
- Age
- Marital status
- Vehicle type
- Driving record
- Education
- Occupation
Insurance That Helps You Prepare for the Future
Owning car insurance helps you plan for your and your family’s future by protecting you financially in the event of a car accident. This protection extends to whether you are driving the vehicle or not. Any damage to your car, even caused by a mere fender bender, can lead to you needing to dip into your savings to pay the bills.
Talking to your insurance agent about purchasing the best protection for you is one of many steps you can take to ensure the future of your family’s lives and money.
What Are the Best Discounts for Car Insurance in Everett, WA?
There are multiple options for saving money on your car insurance in Washington. Talk with your insurance agent and consider the following discounts:
Get an Online Quote for Car Insurance in Everett Today!

Purchase liability insurance for your car in Everett to get to where you need to go. If that is not enough coverage, expand your coverage with a full coverage policy. Get started with a quote from Freeway Insurance online, visit us at an office near you, or call us at 800-777-5620.