Yakima, WA Car Insurance

Car insurance costs an average of $106 monthly in Yakima. Learn more about how rates are set or enter your ZIP to compare quotes.

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What's the average car insurance rate in Yakima?


The typical Yakima driver pays $1,281 per year for auto insurance. That's less than the average in Washington ($1,368) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Yakima.


YAKIMA CAR INSURANCE RATES
Yakima Average (annual)Washington AverageNational Average
$1,281$1,368$1,548

Table of contents:

Yakima car insurance rates by provider


The company-by-company differences in car insurance rates can be quite large, so it's important to carefully compare quotes when choosing an insurer. In Yakima, PEMCO Insurance provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Yakima.


YAKIMA CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
PEMCO Insurance$832
USAA$885
State Farm$1,069
Progressive$1,237
Allstate$1,539

Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in Yakima

The best age for car insurance rates as a driver in Yakima is your 50s: drivers in this age group pay an average of $1,135 per year. Rates for Yakima drivers in their 60s are also relatively affordable, at just $1,164 per year.

Teenage drivers pay Yakima's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Yakima is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Yakima is $3,617. That's the biggest gap in premiums between any pair of age brackets.


YAKIMA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$5,271
20s$1,654
30s$1,280
40s$1,214
50s$1,135
60s$1,164
70s$1,431

Find out more about how age affects auto insurance rates.



Yakima auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance costs. In Yakima, married drivers pay $64 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.

Gender is another factor that can impact auto insurance costs. In Yakima, female drivers pay $29 per year more than do male drivers.


YAKIMA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,310
Male$1,281
Single$1,281
Married$1,217
Divorced$1,281
Widowed$1,259

Learn more about how gender and marital status have on insurance rates.



Yakima auto insurance rates by violation history


Sustaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can increase what you pay for car insurance.

Yakima drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $534 per year when compared to the city average. A ticket for speeding leads to a $280 rate hike while a DWI or DUI violation costs $571per year in extra insurance expenditures.


AVERAGE YAKIMA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DWI/DUI$1,852
Reckless Driving$1,815
At-fault Accident (damages less than $1,000)$1,733
At-fault Accident (damages greater than $2,000)$1,883
Speeding Ticket (16-20 mph over speed limit)$1,561

Learn more about citations' impact on your auto insurance rates.



Yakima car insurance costs by credit tier


It's no secret that credit score is closely related to car insurance rates. In Yakima, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 55% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Yakima, improving your credit to "Fair" corresponds with a $457 decrease in annual car insurance rates.


YAKIMA AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$2,438
Fair$1,981
Good$1,636
Very Good$1,350
Exceptional$1,087

Discover more about the relationship between credit scores and car insurance rates.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.