Cost of Car Insurance in Yakima, Washington

• Yakima car insurance rates average $1,566 per year for full coverage, or approximately $131 per month.
• Yakima auto insurance averages $172 per year less than the Washington state average cost and $317 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 $1,566 per year, which is 18.4% less than the national average rate of $1,883. Car insurance in Yakima per month costs approximately $131 per month for a full coverage policy.

The average car insurance cost in Washington is $1,738 per year, so drivers in Yakima pay an average of $172 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 – $5,581 per year or $465 per month
• 17-year-old driver – $5,408 per year or $451 per month
• 18-year-old driver – $4,847 per year or $404 per month
• 19-year-old driver – $4,414 per year or $368 per month
• 20-year-old driver – $3,152 per year or $263 per month
• 30-year-old driver – $1,672 per year or $139 per month
• 40-year-old driver – $1,566 per year or $131 per month
• 50-year-old driver – $1,390 per year or $116 per month
• 60-year-old driver – $1,302 per year or $109 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 $1,304 per year for a middle-aged driver who qualifies for a cheap discount rate to $3,604 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 $1,566 per year.

As a monthly cost, average car insurance cost in Yakima ranges from $109 to $300 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 $1,284 or less per year, or $107 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 Volkswagen Taos. 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 $1,344 or less per year ($112 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 Hyundai Ioniq 6, and the Toyota RAV4. Average auto insurance rates for those vehicles cost between $1,344 and $1,462 per year in Yakima.

As a comparison, a few examples of more expensive insurance rates include the Tesla Model Y costing an average of $144 per month, the Ram Truck which costs $151, and the Infiniti Q50 at $148.

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 $1,614 per year for full coverage insurance up to the BMW M8 at $2,636 per year. In the midsize truck segment, rates can range from the Chevrolet Colorado at $1,340 per year up to the Rivian R1T at $1,952 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 $1,362 per year or $114 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $1,158 per year or $97 per month
• Cheapest midsize car insurance – Hyundai Ioniq 6 at $1,440 per year or $120 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,248 per year or $104 per month
• Cheapest full-size car insurance – Chrysler 300 at $1,488 per year or $124 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,472 per year or $123 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,340 per year or $112 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,466 per year or $122 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,594 per year or $133 per month
• Cheapest minivan insurance – Honda Odyssey at $1,432 per year or $119 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,452 per year or $121 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,394 per year or $116 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,310 per year or $109 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,614 per year or $135 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,466 per year or $122 per month
• Cheapest full-size luxury car insurance – Audi A5 at $1,854 per year or $155 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $1,756 per year or $146 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 $856 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 $47 and $152 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 $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Cheaper rates come with better credit scores. Having excellent credit of 800+ could save up to $246 per year compared to a credit rating between 670-739. Conversely, a below average credit score could cost around $285 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 $416 per year. Being convicted of a crime such as driving under the influence or reckless driving could raise rates by an additional $1,456 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.