Buy Cheap Lacey, WA Auto Insurance (2022)

Lacey, WA auto insurance rates average $247 a month. Minimum auto insurance requirements in Lacey, Washington are 25/50/10 to comply with Washington laws. To buy cheap auto insurance in Lacey, WA, compare Lacey auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Lacey, WA after a DUI are $3,461/year
  • Average auto insurance rates in Lacey, WA are $247/month
  • The most expensive auto insurance company in Lacey is Liberty Mutual

Finding affordable Lacey, Washington auto insurance can be challenging, but everything you need to know to buy cheap Lacey, WA auto insurance with confidence is right here. Auto insurance rates in Lacey are affected by local factors as well as personal ones like your driving record.

See how Lacey, WA car insurance rates compare to Bellevue auto insurance rates, Spokane Valley auto insurance rates, and Renton auto insurance rates before you read more about the cost of auto insurance in Lacey.

Don’t buy Lacey, WA auto insurance until you’ve compared rates. Get free Lacey, Washington auto insurance quotes when you enter your ZIP code above.

Lacey, WA Minimum Auto Insurance Requirements

The required auto insurance in Lacey, WA is 25/50/10 according to the auto insurance laws in Washington. The minimum auto insurance in Lacey, Washington is outlined here.

Minimum Required Auto 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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Find Cheap Lacey, WA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lacey, WA. Take a look at Lacey, Washington auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Lacey, WA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lacey, Washington auto insurance rates? Find out how car insurance rates in Lacey, WA are impacted by demographics.

Annual Auto 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

Buy Cheap Lacey, WA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lacey can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lacey, WA are listed here.

Annual Auto 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

Buy Cheap Lacey, WA Auto Insurance for Seniors

You can save on senior auto insurance rates in Lacey, Washington by comparing Lacey senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lacey, WA here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Lacey, WA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lacey, Washington auto insurance. Compare Lacey, WA auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Lacey, WA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lacey. Compare auto insurance rates in Lacey, WA by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lacey, WA Auto Insurance Rates by Driving Record

Auto insurance rates in Lacey, Washington are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lacey, WA, take a look at the average cost for various violations versus rates for a clean driving record in Lacey.

Annual Lacey, Washington Auto 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

Find Cheap Lacey, WA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lacey, Washington is higher than for a clean driving record. You can buy auto insurance after a DUI in Lacey for less when you shop around and compare rates from multiple Lacey, WA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lacey, Washington

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Lacey, WA

Compare rates from the cheapest auto insurance companies in Lacey, WA for your needs. Take a look at how Lacey, Washington auto insurance companies stack up for each category.

Best Annual Auto 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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Find Cheap Lacey, Washington Auto Insurance Companies

If you’re looking for the cheapest Lacey, WA auto insurance companies overall, you can compare them here. Find the best price for Lacey, Washington car insurance by company.

Average Annual Auto 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

What affects Lacey, Washington auto insurance rates?

Local factors affect auto insurance rates in Lacey, WA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lacey auto insurance rates.

Auto Theft in Lacey

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lacey, WA auto theft show a total of 97 vehicle thefts annually.

Commute Times in Lacey

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lacey, WA is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Lacey, WA

You can buy cheap Lacey, WA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lacey, Washington auto insurance quotes from top companies.

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