Ephrata Auto Insurance Rates, Quotes, Agents & Reviews in WA

Ephrata, WA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ephrata, WA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Latest Car Insurance Rates in Ephrata, WA

The average cost of car insurance in Ephrata, WA, is $1,183. Auto insurance is one of the most important forms of insurance for drivers. It helps protect you financially in the event of an accident or other vehicle-related incident. In the state of Washington, all drivers are required to have auto insurance. If you don't have insurance and you're caught driving, you could face serious penalties, including fines and the suspension of your driver's license. Many auto insurance companies are operating in the state of Washington, so shopping around and comparing rates before you purchase a policy is essential. 

Auto insurance rates will vary based on several factors, including the type of vehicle you drive, your driving record, and the amount of coverage you need. When you're shopping for auto insurance, be sure to ask about discounts. Many companies offer discounts like safe driving, good grades, and having multiple vehicles on one policy. If you have any questions about auto insurance, contact an insurance agent in Ephrata, WA. This article will outline the cost of car insurance in Ephrata, Washington, and how to bargain for a lower rate.

Credit History

A few different ways your credit history can affect your car insurance rates. Insurance companies may use your credit score to help determine your premium, or they may use it to determine whether or not to offer you coverage. If you have poor credit, you may still be able to get car insurance, but you may have to pay a higher rate. And in some cases, you may have to get insurance through a high-risk insurer. For instance, in Ephrata, WA, car owners with exceptional credit scores have to pay $1,015, while those with poor credit must pay $1930.

Age of the Driver

Younger drivers tend to pay more for their car insurance than older drivers. This is because younger drivers are considered to be more of a risk by insurers. They're more likely to get into accidents, and they're also more likely to make claims on their insurance. For instance, teenage drivers in Ephrata, Washington, pay $3,839 for car insurance, while older drivers, aged 40, spend $1,126.

Driving Habits

Your driving habits are one of the most significant factors that affect your insurance rates in Ephrata, WA. If you are a driver with no accidents and a clean driving record, you will pay less than someone with a long history of accidents or a bad driving record. If you are not a safe driver, you will pay more. For instance, a driver who runs a red light or has a suspended license will increase the overall cost of auto insurance in Ephrata, Washington, by +$276 and +$797.

Factors that can influence the cost of car insurance in Ephrata, WA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Ephrata, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Ephrata, WA with that of other cities in and around Ephrata.

Ephrata Moses Lake North Cascade Valley Gloyd Grant County Ephrata-Soap Lake
Average Insurance Rates $1,183 $1,165 $1,559 $1,355 $1,189 $1,189

Ephrata, WA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Ephrata, WA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Ephrata $1,066 $900
Ephrata-Soap Lake $1,074 $907
Lakeview $1,095 $925
Soap Lake $1,430 $1,208
Grant County $1,284 $1,085
Gloyd $1,195 $1,009
Moses Lake North $1,427 $1,205
Cascade Valley $1,159 $979

Ephrata, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Ephrata, WA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,839
20 Years $1,520
30 Years $1,171
40 Years $1,126
50 Years $1,043
60 Years $1,058
70 Years $1,231

Ephrata, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Ephrata, WA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,058 $308
3 Vehicles $3,088 $461
4 Vehicles $4,117 $615

Savings on 2 Vehicles bundle:$308

Savings on 3 Vehicles bundle:$461

Savings on 4 Vehicles bundle:$615

Ephrata, WA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Ephrata, WA.

Location Average Insurance Cost Post DUI Insurance Rate
Ephrata $1,183 $1,899
Ephrata-Soap Lake $1,189 $1,908
Lakeview $1,183 $1,899
Soap Lake $1,166 $1,872
Grant County $1,189 $1,908
Gloyd $1,355 $2,175
Moses Lake North $1,165 $1,870
Cascade Valley $1,559 $2,502

Ephrata, WA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,015
Excellent (740-799) $1,159
Good (670-739) $1,233
Average (580-669) $1,608
Poor (300-579) $1,930

Ephrata, WA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Tom Chaplin Farmers 118 W 4th Ave, Moses Lake, 98837 (509) 765-0731
Cory Pickeral State Farm 1077 Basin St SW, Ephrata, 98823-2041 509-754-2512
Cory Pickeral State Farm 1077 Basin St SW, Ephrata, 98823-2041 509-754-2512
Martin-Morris Agency Inc Liberty Mutual Independent 105 BASIN ST NW, EPHRATA, 98823 (509) 754-2021
Tom Clark State Farm 478 Grant Rd, E Wenatchee, 98802-5336 509-884-1441
Libke Insurance Associates Inc Travelers 600 N CHELAN ST, WENATCHEE, 98801 509-662-1800

Ephrata, WA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$52 $1,235
Driver's Failure In Showing Documents +$115 $1,298
Driving With An Expired Registration +$122 $1,305
Driving At A Considerably Slow Pace +$257 $1,440
Using A Cellphone While Driving +$271 $1,454
Running A Red Light +$276 $1,459
Speeding +$290 $1,473
Driving A Vehicle Without The Required Permission +$368 $1,551
Driving With An Expired/Suspended License +$797 $1,980

Ephrata, WA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,136
Active Disabling Device $1,136
Tracking Device $1,112
Passive Disabling Device $1,100