Car insurance costs an average of $106 monthly in Yakima. Learn more about how rates are set or enter your ZIP to compare quotes.
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 Average (annual) | Washington Average | National Average |
| $1,281 | $1,368 | $1,548 |
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.
| Company | Average 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.
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.
| Age bracket | Average 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.
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.
| Gender/Marital Status | Average 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.
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.
| Violation | Average 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.
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.
| Credit Score | Average 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.