Anacortes drivers pay an average of $1,563/year — $208 less than the national average. With 198 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $231/year.
(888) 217-6781Estimated full coverage auto insurance rates for Anacortes, WA from top carriers. Rates are adjusted for Anacortes's 198 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $591 | $99/mo |
| PEMCO | $661 | $110/mo |
| Progressive | $666 | $111/mo |
| State Farm | $730 | $122/mo |
| Allstate | $890 | $148/mo |
Estimates based on 2026 rate filings for ZIP 98221. GEICO is cheapest at ~$99/mo. Actual rates vary by driver profile and exact Anacortes location.
These Anacortes-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Anacortes, WA. Takes under 2 minutes.
(888) 217-6781Anacortes is a smaller city in Washington with a population of 17,637. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as rain, earthquakes, flooding, windstorms, mountain snow, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Anacortes.
For official Washington insurance regulations, visit the Washington Office of the Insurance Commissioner. For driver licensing, see the Washington DOL.
Your specific ZIP code within Anacortes can swing your premium by hundreds of dollars. Here's how rates compare across Anacortes neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 98230 | Anacortes South Side | $1,456/yr | $121/mo |
| 98226 | Anacortes North Side | $1,541/yr | $128/mo |
| 98229 | Anacortes West Side | $1,571/yr | $131/mo |
| 98229 | Anacortes East Side | $1,585/yr | $132/mo |
| 98221 | Anacortes Downtown/Central | $1,664/yr | $139/mo |
The cheapest ZIP is 98230 (Anacortes South Side) at $1,456/yr. The most expensive is 98221 (Anacortes Downtown/Central) at $1,664/yr — a $208/year difference for the same driver.
Your Anacortes ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Anacortes. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,282/yr | $274/mo | +110% vs avg |
| Young Adult (20-25) | $2,188/yr | $182/mo | +40% vs avg |
| Adult (26-35) | $1,563/yr | $130/mo | 0% vs avg |
| Mid-Career (36-50) | $1,375/yr | $115/mo | -12% vs avg |
| Senior (51-65) | $1,297/yr | $108/mo | -17% vs avg |
| 65+ | $1,391/yr | $116/mo | -11% vs avg |
Teens in Anacortes pay an average of $3,282/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,297/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Washington cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Anacortes drivers can save up to $231/year. ZIP 98230 (Anacortes South Side) has the lowest rates starting at $1,456/yr.
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