Cost of Car Insurance in Yakima, Washington

• Yakima car insurance rates average $2,134 per year for full coverage, or approximately $178 per month.
• Yakima auto insurance averages $170 per year less than the Washington state average cost and $87 per year less than the U.S. national average rate.
• Compact crossovers like the Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross have top rankings for the cheapest auto insurance in Yakima.
• Vehicles with the most affordable auto insurance in Yakima in their segment include the Audi A5 (full-size luxury car), Mazda MX-5 Miata (sports car), Mercedes-Benz CLA250 (midsize luxury car), and Nissan Titan (full-size pickup).

What does car insurance cost in Yakima, WA?

The average car insurance expense in Yakima is $2,134 per year, which is 4% less than the national average rate of $2,221. Car insurance in Yakima per month costs approximately $178 per month for a full coverage policy.

The average car insurance cost in Washington is $2,304 per year, so drivers in Yakima pay an average of $170 less per year than the overall Washington rate. The cost of insurance in Yakima compared to other Washington locations is approximately $372 per year less than in Seattle, $136 per year cheaper than in Vancouver, and $290 per year cheaper than in Everett.

The age of the rated driver is one of the largest influencers on the cost of auto insurance, so the list below illustrates these differences by breaking out average car insurance rates in Yakima depending on driver age.

Car insurance cost in Yakima, Washington, for drivers age 16 to 60

• 16-year-old driver – $7,599 per year or $633 per month
• 17-year-old driver – $7,360 per year or $613 per month
• 18-year-old driver – $6,597 per year or $550 per month
• 19-year-old driver – $6,005 per year or $500 per month
• 20-year-old driver – $4,292 per year or $358 per month
• 30-year-old driver – $2,274 per year or $190 per month
• 40-year-old driver – $2,134 per year or $178 per month
• 50-year-old driver – $1,892 per year or $158 per month
• 60-year-old driver – $1,772 per year or $148 per month

The next chart summarizes car insurance cost in Yakima for different common policy situations. Rates are averaged for all Yakima Zip Codes and shown based on a wide range of driver ages and policy risk profiles.

Average rates in the chart above range from $1,772 per year for a middle-aged driver who qualifies for a cheap discount rate to $4,906 per year for a 20-year-old driver who is required to buy high risk car insurance. The rate we use to compare the cost between models and locations is the 40-year-old safe driver rate, which is an average cost of $2,134 per year.

As a monthly cost, average car insurance cost in Yakima ranges from $148 to $409 for the risk profiles shown in the chart above.

What are the cheapest cars to insure in Yakima?

The models with the lowest cost average car insurance quotes in Yakima, WA, tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, and Hyundai Venue.

Average car insurance prices for cars and SUVs that rank in the top ten cost $1,748 or less per year, or $146 per month, for a full coverage policy.

Examples of other vehicles that have very good auto insurance prices in our insurance cost comparison are the Buick Encore, Acura RDX, Buick Envista, and Kia Niro. Average auto insurance rates are somewhat higher for those models than the compact SUVs at the top of the list, but they still have an average cost of $1,856 or less per year ($155 per month).

The following table shows the top 50 models with the cheapest car insurance rates in Yakima, ordered by annual cost.

Some other popular models that made the top 50 above include the Nissan Sentra, the Hyundai Kona, the Volkswagen Atlas, the Chevrolet Equinox, and the Toyota RAV4. Average auto insurance rates for those vehicles cost between $1,856 and $1,994 per year in Yakima.

As a comparison, a few examples of more expensive insurance rates include the Tesla Model Y costing an average of $197 per month, the Ram Truck which costs $206, and the Infiniti Q50 at $201.

For very expensive coverage, vehicles like the Mercedes-Benz G63 AMG and BMW M5 have rates that frequently cost twice as much or more as the cheapest vehicles.

The next section of this article details average car insurance cost by vehicle segment. The average rates shown should give you a good idea of which types of vehicles have the cheapest average auto insurance rates.

Insurance rates by automotive segment

If you’re considering buying a new car, it’s important to know which categories of vehicles have better insurance rates.

For example, some people wonder if minivans have cheaper auto insurance than SUVs or if half-ton pickups are more affordable to insure than heavy duty pickups.

The next chart shows the average car insurance cost in Yakima for each automotive segment. When looking at rates from a segment perspective, compact SUVs, vans, and midsize pickups have the cheapest average auto insurance rates, with luxury and performance models having the highest average cost of insurance.

Due to significant variation within each automotive segment, regard insurance cost by segment as a starting point, as you’ll have better data if you look at model-level rates to find the best insurance rates in a particular segment.

For example, in the midsize luxury car segment, average Yakima insurance rates range from the Mercedes-Benz CLA250 costing $2,196 per year for full coverage insurance up to the BMW M8 at $3,592 per year. In the midsize truck segment, rates can range from the Chevrolet Colorado at $1,880 per year up to the Rivian R1T at $2,658 per year.

Next, you can discover the individual model with the cheapest insurance in Yakima, WA, for each vehicle category. Yearly and monthly auto insurance rates are listed for each model.

• Cheapest compact car insurance – Toyota GR Corolla at $1,854 per year or $155 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $1,576 per year or $131 per month
• Cheapest midsize car insurance – Kia K5 at $2,052 per year or $171 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,700 per year or $142 per month
• Cheapest full-size car insurance – Chrysler 300 at $2,034 per year or $170 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,004 per year or $167 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,880 per year or $157 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,994 per year or $166 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,168 per year or $181 per month
• Cheapest minivan insurance – Honda Odyssey at $1,950 per year or $163 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,976 per year or $165 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,898 per year or $158 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,784 per year or $149 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,196 per year or $183 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,994 per year or $166 per month
• Cheapest full-size luxury car insurance – Audi A5 at $2,534 per year or $211 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,394 per year or $200 per month

Tips to save on car insurance

Saving money on car insurance can be easier than you think. The tips below show different ways you can reduce the cost of your policy to make it easier on your budget.

• Shop around often. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes could significantly reduce the cost of insurance. Rates change more often that you might think and you do not even have to wait until your policy renewal date to switch.
• Choose a vehicle that is more affordable to insure. The vehicle you choose to drive has a big impact on the price you pay for car insurance. For example, a Volkswagen Atlas costs $1,164 less per year to insure in Yakima than a Porsche 911. Lower performance vehicles cost less to insure.
• Your occupation could reduce your rates. Some auto insurance providers offer policy discounts for occupations like firefighters, college professors, architects, emergency medical technicians, high school and elementary teachers, and others. Qualifying for an occupational discount could potentially save between $64 and $207 on your annual auto insurance cost, depending on your policy.
• Auto insurance is cheaper with higher deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Cheaper rates come with better credit scores. Having excellent credit of 800+ could save up to $335 per year compared to a credit rating between 670-739. Conversely, a below average credit score could cost around $388 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Get cheaper policy cost by avoiding traffic tickets. If you want the cheapest auto insurance in Yakima, it pays to be an excellent driver. Not surprisingly, just a couple of minor incidents on your driving report can raise the cost of a policy by at least $568 per year. Being convicted of a crime such as driving under the influence or reckless driving could raise rates by an additional $1,982 or more.
• Avoid filing small claims. Car insurance companies give a discounted rate if you have no claims. Insurance is intended to be used in the case of larger claims, not minor claims.