Best Cheap Auto Insurance in Lacey, WA (2021)

The average Lacey, WA auto insurance rates are $247 per month. The minimum auto insurance in Lacey is at least 25/50/10 in coverage to comply with Washington auto insurance laws. To find the best cheap auto insurance in Lacey, Washington, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Lacey for teen drivers is Liberty Mutual
  • The average commute length in Lacey is 26.4 minutes
  • The cheapest auto insurance company in Lacey is Nationwide

Lacey, Washington auto insurance requirements are 25/50/10 according to Washington auto insurance laws. Finding cheap auto insurance in Lacey can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lacey, Washington, including driving record, credit, commute time, and more.

Compare auto insurance in Lacey to other Washington cities, including Vancouver auto insurance rates, Federal Way auto insurance rates, and Kent auto insurance rates to see how Lacey, Washington auto insurance rates stack up.

Before you buy Lacey, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lacey, Washington auto insurance quotes.

Minimum Auto Insurance in Lacey, Washington

Lacey, Washington auto insurance laws require that you have at least the Washington minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lacey, Washington.

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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Cheap Lacey, Washington Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lacey, Washington are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Lacey, Washington Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lacey, Washington is a challenge. Take a look at the annual teen auto insurance rates in Lacey, Washington.

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

Cheap Lacey, Washington Auto Insurance for Seniors

What are senior auto insurance rates in Lacey, Washington? Take a look at the annual average rates for older drivers.

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

Cheap Lacey, Washington Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lacey, Washington compared to the annual auto insurance rates with a clean record in Lacey, Washington.

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

Cheap Lacey, Washington Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lacey, Washington is not easy. Compare the annual rates for DUI auto insurance in Lacey, Washington to find the best deal.

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

Cheap Lacey, Washington Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lacey, Washington annual auto insurance rates by credit history compare.

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

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Cheap Lacey, Washington Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lacey, Washington can vary. Compare the annual cost of auto insurance by ZIP code in Lacey, Washington to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lacey, Washington

ZIP Code Average Annual Rates
98503 $3,021

Cheap Lacey, Washington Auto Insurance Rates By Commute

Commute length and annual mileage affect Lacey, Washington auto insurance. Find the cheapest annual Lacey, Washington auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lacey, Washington

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lacey, Washington Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lacey, Washington? Check out the comparison of annual Lacey, Washington 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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Best By Category: Cheapest Auto Insurance in Lacey, Washington

Compare the cheapest auto insurance companies in Lacey, Washington in each category to find the company with the best rates for your personal needs.

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

The Cheapest Lacey, Washington Auto Insurance Companies

What auto insurance companies in Lacey, Washington are the cheapest? Compare the top Lacey, Washington auto insurance companies to find the best annual rates.

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 auto insurance rates in Lacey, Washington?

There are a lot of reasons why auto insurance rates in Lacey, Washington are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lacey, Washington. Many local factors may affect your Lacey auto insurance rates.

Lacey Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lacey, Washington auto theft statistics, there have been 97 auto thefts in the city.

Lacey Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lacey, Washington commute length is 26.4 minutes according to City-Data.

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Compare Lacey, Washington Auto Insurance Quotes

Before you buy Lacey, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lacey, Washington auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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