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Cheap Car Insurance in Olympia, WA

Illustration of van driving by Freeway Insurance headquarters

Washington’s capital, Olympia, sits gracefully between Paget Round and Mount Rainier, home to an ample waterfront district and a quaint downtown with unique parks, starting with the National Wildlife Refuge and Mount Rainier National Park for some of the most picturesque scenes in the nation. The city offers its residents a neat blend of history, tradition, and nature opportunities.

Every Olympia driver must carry the minimum required auto insurance to drive in the city legally. Driving without insurance could result in fines, court fees, and possible suspension of your driving privileges. Keep reading to learn more about Washington car insurance in Olympia, including the average rate by zip code and ways to save on your policy.

Quick Facts

  • 22% of Washington state drivers are uninsured or underinsured.
  • The 2019 Washington Infrastructure Report Card by the American Society of Civil Engineers gives the state of Washington a C grade.
  • In 2021, there were three fatal car accidents in Olympia.
  • Olympia’s most popular attractions include the Washington State Capitol, Building, Percival Landing, Tumwater Falls Park, and Mount Rainier National Park.

How Much Does Car Insurance Cost in Olympia, Washington?

Olympia drivers pay an average monthly rate of $131 per month for full coverage car insurance and $46 per month for the state-required minimum liability car insurance. This compares to the national average of $138 and $40 and is higher than average for the state of Washington at $98 and $39.

Washington is one of those states where the majority of the population is living in one of the larger cities, while a sizable amount of people live in rural areas. This contributes to the variety of car insurance prices in the state as a whole versus in a city, such as Olympia. There will be more claims filed in the larger cities.

See a breakdown of average monthly car costs for other cities in Washington below:

City Full Coverage Insurance Liability Insurance Coverage
Olympia $131 $46
Bellevue $147 $53
Seattle $149 $53
Spokane $135 $45
Tacoma $179 $63

Olympia, WA Affordable Car Insurance Rates by Zip Code

Moving to a city ten miles away can easily drop the amount you pay in car insurance by a few dollars. Car insurance premiums reflect the number of claims filed in the area you live in, as well as other factors.

See the breakdown below for average monthly car insurance prices by zip code in Olympia:

Zip Code Full Coverage Insurance Liability Insurance Coverage
98501 $131 $46
98502 $128 $45
98506 $129 $45
98507 $132 $46
98512 $128 $45
98513 $132 $47
98516 $130 $45

Low-Cost Car Insurance Rates by Age in Olympia, Wash

Your age plays a significant factor in how much you pay for car insurance. For example, some age groups, such as the 16-19 age group, have a higher incidence of car wrecks and moving violations, resulting in a higher average of premiums paid.

See our list below for average monthly car insurance prices by age in Olympia:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $458 $178
20s $148 $52
30s $130 $45
40s $121 $41
50s $115 $39
60s $121 $41
70s $142 $53

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Olympia, Washington

How Many Fatal Accidents Happen in Olympia?

In 2021, there were three fatal car accidents in Olympia out of total of 890 crashes. There were five total vehicles involved in the fatal wrecks, with 4 alcohol or drug impaired persons. Two involved pedestrians and one involved a bicyclist.

How Safe are the Roads and Bridges in Olympia?

Olympia’s Public Works program improves the city’s roads and infrastructure around the clock. These include 200+ miles of sewer pipes, 218 miles of streets, and 346 miles of drinking water pipes. It also outlined all projects under its Transportation Master Plan (TMP), which seeks to improve walking, biking, and transit routes with a 20-year project window.

According to the 2019 Washington Infrastructure Report Card by the American Society of Civil Engineers, the state of Washington earned an overall grade of C on infrastructure. It was awarded a C+ for bridges within the subcategories, citing 321 bridges in poor condition. The state also earned a C- grade on roads and D+ on stormwater, citing old stormwater infrastructure urgently needing repair.

For more information on the 2019 Washington Infrastructure Report Card, visit Washington Infrastructure | ASCE’s 2021 Infrastructure Report Card

Get a Quote for Car Insurance in Washington Today!

Minimum Car Insurance Requirements in Olympia, Wash

All drivers are required to carry a basic level of car insurance. What minimum liability insurance coverage is required for all Olympia drivers?

Here is the minimum coverage required under Washington state law:

Remember, your liability coverage pays for any damages incurred in an accident where you are determined to be at fault. You also have the option to purchase additional coverage with lower or higher deductibles. However, additional coverage is not mandatory under state law.

Many drivers choose to purchase additional amounts of car insurance, including full coverage car insurance, to have better peace of mind while on the roads.

What Are the Penalties for Driving Without Insurance in Olympia, WA?

Driving without insurance in Olympia is a severe offense.

First-time offenders can expect to pay up to $250 on top of a $25 court fee.

Additionally, you may be required by a judge to file for an SR-22, an insurance certificate that proves you have the minimum required state insurance coverage, for three years. Failing to uphold the policy will force your insurance provider to notify the DOL, who may suspend your license until you get the coverage you need.

Remember, the minimum amounts for bodily injury and property damage liability in Washington are $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and property damage liability coverage of $10,000 per accident.

Factors Allowed in Olympia, WA Car Insurance Rates

There are many factors used to determine insurance rates in Olympia. They include, but are not limited to, the following:

  • Age
  • Gender
  • Location
  • Employment
  • Driving record
  • Marital Status

If you’ve installed anti-lock brakes or driven less than 7,500 miles this year, contact your insurance carrier to see if you are eligible for any discounts. You never know when you can save 5 to 10% on your next bill.

Discounts for Car Insurance in Olympia, WA

Luckily, there are many types of car insurance discounts available to Olympia drivers. Remember, the cleaner your driving record, the more discounts you qualify for and the lower premiums you pay. However, special themed discounts include policy discounts (combining auto and homeowners insurance into one monthly payment) and billing discounts (e.g., auto pay and paperless).

Here are other discounts available to Olympia drivers:

  • Icon New Car Replacement

    New vehicle discount

  • Pink icon of a thief

    Anti-theft installation discount

  • Blue icon of two cars

    Multiple vehicle discount

  • Illustration of a store

    Homeowners discount

  • Blue icon of a blue car

    Good driving discount

  • Green icon of a military man

    Current and former military discount

It doesn’t hurt to ask what sort of discounts you can receive on your next call to your insurance carrier. Keep an open line of communication, especially as your life circumstances change.

Get a Quote for Low-Cost Car Insurance Online in Olympia, Washington Today!

Mount Rainier Overlooks Olympia, Washington

All Olympia drivers are encouraged to have the minimum liability coverage required by the state.

Fortunately, Freeway Insurance is ready to offer the best possible rates. Feel free to request a fast and simple car insurance quote online, visit your nearby Olympia office, or call 800-777-5620 to speak with one of our friendly agents.