Find Car Insurance in Everett, WA
What You Should Know About Car Insurance in Everett, WA
Less than a 30-mile drive from Seattle lies the much quieter town of Everett. Several parks along Possession Sound and the Snohomish River offer water activities and exceptional views. Green recreation areas throughout town provide everything from sports fields to family fun to natural, breathtaking trails. A mix of urban and suburban areas and a bustling downtown present a variety of housing types to suit every taste.
For a town with not much more than 110,000 residents, Everett offers ample employment opportunities. Boeing has a plant that employs tens of thousands of workers, with Naval Station Everett and Providence Regional Medical Center employing thousands more. Those who are willing to commute to Seattle expand their options exponentially.
Whether you stay local or leave the city, you will likely hit some major traffic, especially if you hit I-5 during the busier hours. So talk to an expert agent who is waiting to help you find the best auto insurance at the best price in Washington to ensure your vehicle is protected if you get into an accident on the city’s busy roads.
How Much Does Car Insurance Cost in Everett, Washington?
A full coverage policy in Washington costs $1,410 on average, and a minimum liability policy costs an average of $515. These same policies cost $2,014 and $622 nationally. Although car insurance in Washington is generally low for the U.S., it also depends on where in the state you live. Furthermore, while your location does help determine your premiums, many other factors also play a role, so your actual cost may vary from the rates mentioned above.
What Does Full Coverage vs. Minimum Liability Mean?
A full coverage policy protects you financially from a variety of instances where you would otherwise suffer a loss. For example, if a tree limb falls on your car, a hit-and-run driver damages your vehicle, an uninsured motorist crashes into you, or you cause an accident and your car needs repair. In these scenarios, you cannot recover your loss through another party, but they would be covered under your policy.
In contrast, minimum liability policies only cover damages to others that are your fault. You would have to pay out of pocket for anything other than you causing someone a loss through a crash, and your insurer would not help you repair your own vehicle if it is damaged in an accident you cause. This type of policy satisfies your state’s minimum requirements for drivers to be allowed to operate a vehicle and costs less than full coverage, but the limits are low, and if the damages you cause exceed those limits, you would have to cover the balance with your own funds.
Affordable Car Insurance Rates Comparison by Cities in Everett
Rates in Everett are a shade over the state average. As indicated in the table below, premiums can vary by city due to variations in local conditions.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Everett | $119 | $47 |
| Edmonds | $121 | $49 |
| Granite Falls | $111 | $43 |
| Marysville | $113 | $46 |
| Seattle | $123 | $48 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Everett
Rates in Everett are pretty good to begin with, but you can lower them even more by bundling your home and auto insurance. Getting more than one policy from the same company is called bundling. It is very convenient to bundle because it allows you to pay your bills and interact with the same people for all your policies. In return for the additional business, insurers will reward you with 5% to 25% off both your car insurance and homeowners insurance.
Watch your agent compare pricing and bundling discounts for all your lines of coverage and deliver a customized package of policies with the most affordable premiums specified to your needs.
What Types of Car Insurance Discounts Are Available in Everett?
You can lower your insurance premiums even further by taking advantage of the many discounts insurers offer. Many of these are standard, and your agent can help you find these and other discounts your insurer might offer:
- Senior discount
- Auto pay discount
- Paperless billing discount
- Multi-policy discount
- Paid-in-full discount
Notable Car Insurance Laws in Everett
Washington has numerous regulations that govern the insurance industry in the state. These laws affect the type of coverage you must obtain, the cost, and many other aspects of your car policy.
What Are the Mandatory Car Insurance Requirements in Everett?
When someone causes an accident, their insurance company helps pay for the damages they caused. If they do not have a policy, the other party might not be able to recoup their losses. Therefore, states require their drivers to obtain coverage before operating a vehicle. In Washington, you must meet the following minimum requirements in order to drive a car in the state:
- $25,000 liability coverage for bodily injury per person
- $50,000 liability coverage for bodily injury per accident
- $10,000 liability coverage for property damage
What Is the Penalty for Driving Without Insurance in Everett?
You should always have coverage to protect yourself financially. If you do not have a policy, you will have to pay out of pocket for any damages you cause.
A small crash could end up costing you thousands of dollars or more. Additionally, if you are caught driving while uninsured, you may be subject to a $250 fine and a $25 court fee for your first offense, and subsequent offenses could result in higher fines, license suspension, and possibly a misdemeanor. If you cause more than $1,000 in damages while uninsured, your license may be revoked for three years.
Do Everett-Specific Laws Play a Role in Determining Your Insurance Premiums?
States create guidelines for which factors insurers may use to determine your premiums. In Washington, insurance underwriters may review these and many other details about you, your car, and your neighborhood:
- Employment status
- Education level
- Type of vehicle
- Crime rates
- Accident rates
What Happens If I Damage Property?
There can be lots of confusion when an accident occurs. It is best if you know what steps to take and how to react in advance, so if you are involved in a crash, you will handle the situation appropriately.
After an accident, make sure your car is not in harm’s way. If it is still operable, pull it over to the side of the road. Make sure everyone involved is fine and immediately call 911. Let the operator know if anyone needs medical attention. While you wait for an officer to show up, you can take pictures of the site and both vehicles to document what happened to the best of your ability, and also make sure to exchange insurance information with the other driver.
When an officer arrives, they will listen to both parties and write a report, which should typically be available for you to pick up within days. If you cause the accident, you will need to contact your insurer to file a claim, and if the other driver is at fault, they will have to file a claim, and you will be in touch with their insurer.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs. They will be there to walk you through the steps to file a claim should the need ever arise.
Typical Driving Conditions in Everett
Surrounded by Possession Sound and the Snohomish River to the west, north, and much of the east of town, entryways and exits in and out of the city are somewhat limited. The existing roads, particularly I-5, are often congested.
The Boeing factory generates lots of traffic, especially during the morning and evening rush hours. Many residents commute to other cities like Seattle, but a significant number of outsiders come to Everett for work, given the impressive number of jobs available in the city. With the addition of ongoing roadwork, driving conditions in town can be rough just about seven days a week.
How Many Car Accidents Happen in Everett Per Year?
Accident rates heavily affect how much you pay for your coverage. The higher the crash rate, the higher your premiums will be. The Washington State Department of Transportation reports the following numbers of accidents in 2024 for Everett and other cities in the area:
| City | Total Crashes |
|---|---|
| Everett | 2,609 |
| Edmonds | 414 |
| Granite Falls | 30 |
| Marysville | 890 |
| Seattle | 7,916 |
How Many Uninsured/Underinsured Motorists Are in Everett?
According to the Insurance Information Institute, Washington made the top 10 list of states with the highest percentage of uninsured motorists. In 2023, 19.1% of the state’s drivers — nearly one out of every five — did not have coverage. If one of these motorists hits your vehicle and does not have the money to cover your losses, you would have to pay for your repairs with your own money. If you live in Washington, you should strongly consider obtaining uninsured/underinsured motorist coverage.
Get Covered by the Best Car Insurance in Everett, Washington, Today
Everett is surrounded by natural greenery and waterways and has a much healthier economy than most cities of its size. Driving around town can be rough, though, so make sure your car policy is up to date and will protect you if you get into an accident.
You will get white-glove treatment when you obtain your coverage through our expert agents at InsureOne. We personalize your policies to match your unique preferences so you get the insurance you need at the most affordable prices available. To contact us, stop by one of our physical locations, call us at (800) 836-2240, or visit our website.