The typical car insurance policy costs $140 per month in Renton. Learn more about how to save.
Auto insurance costs an average of $1,681 per year in Renton. That's pricier than the average in Washington ($1,368) and pricier than the national average of $1,548. Our guide to Renton car insurance includes average rates based on age, credit score, driving history and marital status.
| Renton Average (annual) | Washington Average | United States Average |
| $1,681 | $1,368 | $1,548 |
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, USAA offers Renton's cheapest rates. We've gathered the best cheap car insurance companies in Renton below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
| Company | Average Rate (annual) |
| USAA | $1,099 |
| PEMCO Insurance | $1,124 |
| State Farm | $1,468 |
| Progressive | $1,521 |
| Allstate | $2,136 |
Consult our expert guide to finding the best cheap car insurance.
The age group that pays the least for car insurance in Renton are drivers in their 50s ($1,483 per year). Drivers in their 60s pay marginally higher rates — $1,547 per year.
The Renton drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Renton is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Renton is $5,299, the largest such difference between any two age groups.
| Age tier | Average Annual Rate |
| Teenagers | $7,565 |
| 20s | $2,266 |
| 30s | $1,644 |
| 40s | $1,553 |
| 50s | $1,483 |
| 60s | $1,547 |
| 70s | $1,990 |
Learn more about the impact of age on car insurance premiums.
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Renton pay $78 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single.
Another component of auto insurance pricing is gender. In Renton, female drivers pay $53 per year more than do male drivers.
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,734 |
| Male | $1,681 |
| Single | $1,681 |
| Married | $1,604 |
| Divorced | $1,681 |
| Widowed | $1,653 |
Learn more about how gender and marital status have on car insurance rates.
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Renton, a reckless driving citation results in an average insurance rate increase of $725 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $773 increase and a speeding ticket triggers a $375 rate hike.
| Incident | Average Yearly Rate |
| DWI/DUI | $2,454 |
| Reckless Driving | $2,406 |
| At-fault Accident (damages < $1,000) | $2,294 |
| At-fault Accident (damages greater than $2,000) | $2,497 |
| Speeding Ticket (16-20 mph over speed limit) | $2,055 |
Learn more about how citations can raise your auto insurance rates.
It's no secret credit score is closely correlated with car insurance rates. Renton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Renton, improving your credit to "Fair" could help you earn $1,335 in savings on insurance premiums each year.
| Credit Level | Average Annual Rate |
| Very Poor | $3,395 |
| Fair | $2,060 |
| Good | $1,681 |
| Very Good | $1,509 |
| Exceptional | $1,336 |
Learn more about the relationship between poor credit and car insurance.
