D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Oct 4, 2020

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EVERETT, WASHINGTONSTATISTICS
City Population110,079
City Density3,387 people per square mile
Average Cost of Insurance in Everett$3,381.18
Cheapest Car Insurance CompanyNationwide
Road Conditions (Seatle)Poor 41%
Mediocre 23%
Fair 17%
Good 19%
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Everett, Washington, is the most populous city in Snohomish County. North Everett offers residents and visitors historic, scenic hometown vibes with the added convenience of being a large city just a short hop from Seattle.

New to Everett? If you just moved to this beautiful city you’re probably swamped with decisions to make. Where to live? Where to explore on the weekends? What are the state and city laws like?

Another big question (especially if you ended up on this page) on your mind is probably car insurance. Finding the right policy can be a real challenge, especially with so many mixed messages coming from companies and seemingly endless data to try and make sense of.

That’s what we’re here for.

In this guide, we’ll break down everything you need to know about insuring your vehicle and driving around Everett, saving you time and saving you money — all while keeping you safe on the roads.

So let’s get to it. If you want to get right into comparing quotes, we’ve got you covered (or, ready for coverage): go ahead and check out our free rate comparison tool.

Table of Contents

The Cost of Car Insurance in Everett

Driving in Everett comes with a unique set of challenges and incomparable benefits. You can find yourself shifting ecosystems in a matter of hours, and could find yourself exploring the gorgeous Pacific Northwest Coast, cruising through some of the most beautiful forests in the country, or stuck bumper to bumper in traffic in downtown Seattle.

With these and so many other vistas and environments to take in, it’s important to be as informed as possible on the road. Safety protocol, keeping down gas costs, and even basic roadside maintenance skills can all come in handy. But, one thing you must get familiar with is car insurance.

And if you’re thinking about insurance, you’re probably also wondering how much will it cost you? There are a good bit of savings to be found by taking your time, shopping around, and learning about your circumstances.

Auto insurance companies take a lot into account when they decide your premiums, even though the result can seem to you like a random number. In this section, we’ll look at what affects your rates and help you find the cheapest insurance companies in Everett.

First up, what do people of various demographics pay on average? We’ll look at who pays the most amongst males or females, teens, and adults.

Male vs. Female vs. Age

If you’re a parent of a teen driver, you probably know your teen is going to be expensive to add to your insurance policy. Because they are considered to be risky drivers, insurance companies charge a big increase in rates. But how much more do they pay than other drivers?

YEARS OF AGE35601725
Everett$1,953.93$1,833.79$7,666.51$2,379.77
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As you can see, teen drivers really do get charged very high premiums.

The median age of Everett residents is 35.4 years of age.

That means most drivers are paying much lower prices than their teenage counterparts. What demographics pay the lowest amounts?

DEMOGRAPHICRATE
Married 60-year-old female$1,787.09
Married 60-year-old male$1,880.49
Married 35-year-old female$1,945.16
Married 35-year-old male$1,962.71
Single 25-year-old female$2,333.54
Single 25-year-old male$2,426.01
Single 17-year-old female$7,015.59
Single 17-year-old male$8,317.43
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Married, 60-year-old women are paying the lowest rates. The age factor makes a good bit of sense, as more years on the road means more experience (and less likelihood of taking unnecessary risks).

But why does marriage provide drivers discounts? The idea behind it is that if you are married, you’re more likely to drive safely and make responsible choices with your spouse/family in mind.

Cheapest ZIP Codes in Everett

The ZIP code you live in also affects your rates. In some cities, like Los Angeles, this difference can be thousands of dollars. In Everett, is there a considerable difference in rates between locations?

ZIPCODEAVERAGE PREMIUM
98201$3,476.57
98203$3,428.73
98204$3,484.99
98205$3,381.18
98208$3,387.77
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Some excellent news for Everett residents: the highest and lowest premiums only have about a $100 difference.

What’s the best car insurance company in Everett?

“Best” means something different for every driver. Depending on what kind of coverage you need, and several factors, including your driving record, age, etc. each company might offer you very different rates.

Next, we’ll look at some data on the best rates across some factors to help you locate the best provider in Everett. Here we go.

Cheapest Car Insurance Rates by Company

The most important factor in many people’s minds when buying car insurance is an affordable policy. Life comes with enough expenses; your car insurance shouldn’t leave you feeling anxious every month when payment time comes.

So which companies have the lowest rates in Everett?

GROUPMARRIED 35-YEAR-OLD FEMALEMARRIED 35-YEAR-OLD MALEMARRIED 60-YEAR-OLD FEMALEMARRIED 60-YEAR-OLD MALESINGLE 17-YEAR-OLD FEMALESINGLE 17-YEAR-OLD MALESINGLE 25-YEAR-OLD FEMALESINGLE 25-YEAR-OLD MALE
Allstate$2,364.21$2,331.89$2,191.35$2,300.42$8,723.81$10,128.88$2,506.18$2,598.04
American Family$2,250.79$2,250.79$2,057.10$2,057.10$8,619.65$11,730.19$2,250.79$2,998.57
Farmers$2,634.58$2,706.19$2,411.08$2,746.10$6,115.79$6,579.36$3,328.28$3,438.63
Geico$1,868.92$1,901.40$1,751.34$1,751.34$4,096.89$5,332.19$3,176.43$2,294.49
Liberty Mutual$2,060.58$2,249.96$1,839.53$2,162.49$11,683.04$12,842.97$2,190.08$2,377.70
Nationwide$1,541.35$1,575.41$1,434.25$1,492.17$4,246.35$5,147.75$1,849.78$1,992.38
Progressive$1,755.46$1,635.93$1,586.37$1,604.17$8,989.50$10,064.91$2,096.11$2,078.70
State Farm$1,833.39$1,833.39$1,654.29$1,654.29$5,377.28$6,797.75$2,089.27$2,397.76
USAA$1,197.14$1,179.43$1,158.50$1,156.36$5,287.98$6,232.86$1,514.90$1,657.80
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Nationwide, USAA, and Geico offer the three cheapest rates in Everett, Washington.

Best Car Insurance for Commute Rates

How long is your commute to work every day? Insurance providers take your annual miles into account when they decide your rates. Here, the logic is the more miles you drive, the longer you’re on the road, and the more likely you are to get in a car accident or receive a traffic violation citation.

As of 2014, Washington state drivers drove 10,750 miles a year on average.

That number is on the lower side of the national average of 14,132 miles. How do these miles affect rates?

GROUP10 MILES COMMUTE. 6000 ANNUAL MILEAGE.25 MILES COMMUTE. 12000 ANNUAL MILEAGE.
Allstate$4,143.10$4,143.10
American Family$4,190.38$4,363.37
Farmers$3,745.00$3,745.00
Geico$2,736.46$2,806.79
Liberty Mutual$4,675.79$4,675.79
Nationwide$2,409.93$2,409.93
Progressive$3,726.39$3,726.39
State Farm$2,872.19$3,037.16
USAA$2,399.34$2,446.90
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For drivers with longer commutes, Allstate or Progressive might offer you the best rates, as they don’t charge an increase for more miles driven. That can mean considerable savings over time.

Best Car Insurance for Coverage Level Rates

Most drivers believe that higher coverage means a more expensive monthly premium. While in general, this does prove to be true, by shopping around, you can end up with the same level of coverage for considerably less. Which companies charge the least for greater coverage? Let’s check out the data.

GROUPHIGHMEDIUMLOW
Allstate$4,387.27$4,130.34$3,911.68
American Family$4,528.06$4,271.82$4,030.75
Farmers$4,020.15$3,746.36$3,468.49
Geico$2,954.31$2,773.58$2,586.99
Liberty Mutual$4,953.98$4,686.09$4,387.31
Nationwide$2,547.51$2,409.99$2,272.28
Progressive$4,212.06$3,620.17$3,346.95
State Farm$3,154.79$2,969.44$2,739.81
USAA$2,587.28$2,422.52$2,259.56
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As you can see, Nationwide could be an excellent option for drivers hoping to get high coverage, as they only charge about $300 more from their lowest to highest coverage. Before you pick a provider, we recommend getting several quotes to make sure you’ve found the best rate.

Best Car Insurance for Credit History Rates

We often get questions about whether credit history gets taken into account by car insurance providers determining rates. Yes, they doThis can either be great news for drivers with great credit scores, or a very bleak reality for drivers with low scores who were hoping to find savings on car insurance.

According to insurance companies, research shows people with higher credit file fewer claims on average and maintain a better payment history than those with lower credit.

But each company takes these factors into account a little differently. Which companies offer the maximum savings for drivers with good credit? And which ones offer the cheapest rates for those with poor scores?

GROUPFAIRGOODPOOR
Allstate$3,937.15$3,373.12$5,119.03
American Family$4,123.04$3,661.77$5,045.81
Farmers$3,461.65$3,222.69$4,550.67
Geico$2,639.62$2,376.04$3,299.21
Liberty Mutual$4,118.01$3,225.64$6,683.74
Nationwide$2,250.92$2,104.32$2,874.55
Progressive$3,664.77$3,416.83$4,097.59
State Farm$2,573.21$1,998.56$4,292.26
USAA$2,241.37$1,972.72$3,055.27
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If you have poor credit, you may want to stay away from Allstate and State Farm, as they can cost you almost $2,000 more than drivers with good scores. If you’re looking for ways to keep your credit score up, you can check out this article.

Best Car Insurance for Driving Record Rates

You’re driving along, jamming to your favorite tune and suddenly you see the red and blue lights behind you and realize you weren’t quite following the speed limit. No one wants to be waiting while the officer writes up a ticket. But did you know outside of the violation, speeding can affect a whole lot more than just your driving record?

One of the most commonly known factors insurance companies look at is one’s driving record. This factor can also be one of the most expensive if you drive dangerously and receive multiple violations from the police.

Not only will you place yourself and others at risk and face the violation fees and legal costs, but your rates can also skyrocket.

That being said, we understand mistakes happen. So do some insurance providers. Which companies are most forgiving of poor driving records? And who offers the most savings for clean records?

GROUPCLEAN RECORDWITH 1 ACCIDENTWITH 1 DUIWITH 1 SPEEDING VIOLATION
Allstate$3,459.79$4,359.69$4,861.75$3,891.16
American Family$3,423.45$4,394.64$5,085.16$4,204.25
Farmers$3,101.56$3,871.35$4,149.46$3,857.64
Geico$2,145.88$2,735.48$4,059.26$2,145.88
Liberty Mutual$3,984.17$5,030.41$5,123.72$4,564.87
Nationwide$1,873.53$2,535.85$3,182.04$2,048.30
Progressive$3,013.44$4,740.30$3,513.52$3,638.31
State Farm$2,680.75$3,228.63$2,954.67$2,954.67
USAA$1,776.76$2,580.93$3,233.26$2,101.54
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No matter what company you choose, unsurprisingly, a clean record gets you the best rates. If you’ve been in an accident, rates can get more expensive quickly. The biggest rate increase comes from DUI charges; this data is only for the first offense. With further charges, you risk even higher rates, as well as license suspension and other penalties.

Car Insurance Factors in Everett

Beyond personal factors, car insurance companies look at local factors, as well. In this portion of the article, we’ll take a look at data breaking down Everett’s financial fingerprint: household income, homeownership rates, and more.

Metro Report — Growth and Prosperity

We reviewed some data on growth and prosperity rates for the area around Everett. To get the clearest picture, we reviewed the closest city, Seattle, and found some fascinating facts:

  • Prosperity
    • Productivity: +2.8 percent (fifth out of 100)
    • Standard of living: +3.6 percent (fifth out of 100)
    • Average annual wage: +3.5 percent (fourth out of 100)
  • Growth
    • Jobs: +2.5 percent (21st out of 100)
    • Gross metropolitan product (GMP): +5.3 percent (fourth out of 100)
    • Jobs at young firms: +4.1 percent (43rd out of 100)

Throughout Washington, but especially in the area around Everett, the standard of living and wages are on the rise. That’s great news for drivers and homeowners alike.

Median Household Income

Next up, we’ll look into the median income in Everett and see how much of that income goes to insurance.

The average median household income is $54,562.

To determine how much of your income is spent on insurance, we’ve got a handy tool. Take a look at the calculator below. You can enter your salary and insurance premium to determine the percentage of your paycheck to set aside for insurance costs.

Homeownership in Everett

Owning a home is seen as a sign of stability by insurance companies. The idea is, if someone successfully maintains homeownership, that’s an excellent way to show you can pay your insurance bills and that you’re responsible. All of this contributes to the likelihood of you filing a claim.

According to Census.gov, Everett’s average property value was $267,800 in 2017. The national average of homeownership is a little over 60 percent. In Everett, the average is 44.4 percent, meaning more tenants are likely to be renting. This could be in part due to high home prices.

Education in Everett

In 2016, the Everett institution that awarded the most degrees was Everett Community College, followed by Everest College-Everett and Evergreen Beauty and Barber College. Education is clearly an important aspect of life in this coastal city.

The top chosen concentrations among students were General Business, Registered Nursing, and Liberal Arts and Sciences.

Wage by Race and Ethnicity in Common Jobs

Wage often fluctuates along racial and ethnic lines in the United States. In Everett, things are no different. The data we consulted from DataUSA shows that in 2017, Asians were the highest paid race/ethnicity in Everett, Washington.

This racial group saw wages 1.15 times more than white workers, who made the second-highest salaries of any race/ethnicity.

Wage by Gender in Common Jobs

Gender discrimination also plays a part in wages in Everett, WA. In general, across industries, males make more than their female counterparts. In Everett, whatever field you look at, this stays true. The most significant difference is amongst software developers, where, on average, males in the same position made $33,000 more per year.

If you’re curious about data on a national level, Business Insider has broken down seven charts to help interested readers learn more.

Poverty by Age and Gender

In Everett, women between the ages of 25-34 are the largest population of residents living in poverty.

DataUSA defines poverty as when “a family’s total income is less than the family’s threshold, then that family and every individual in it is considered to be living in poverty.”

Poverty by Race and Ethnicity

Race and ethnicity also play a role in average poverty rates. The most prevalent race living in poverty in Everett is white by a large margin, at almost 60 percent. Hispanic people and people of two or more races follow behind. This data is based on findings by The Census Bureau, using a set of money income thresholds.

Employment by Occupations

From 2016-2017, the workforce in Everett, WA, grew by 1.94 percent. That means that Everett sees a working population of over 50,000 people.

Office and Administrative Support Occupations are the most common jobs for Everett residents. That’s followed by sales positions and general management occupations.

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Driving in Everett

Now, we’ll get into some more specifically driving-related information. How and where you drive makes a big difference in your daily experience. There’s a whole lot of information worth considering before you get behind the wheel.

What are the major roads in Everett?

Here, we’ll review all kinds of relevant information. First, let’s look at highways, congestion, and how Everett residents get around.

Major Highways in Everett

Overall, Washington state has seven active routes, totaling 763.67 miles.

There are also five toll roads Washington residents may find themselves driving on.

  • SR 520 Bridge
  • Tacoma Narrows Bridge
  • SR 167 HOT lanes
  • I-405 Express Toll Lanes
  • SR 99 Tunnel (future toll road to open November 2019)

As for charges to use the toll roads, each one has varying prices depending on the time of day and the day of travel. You can check the rates here.

Popular Road Trips/Sites

With so much to explore in the state of Washington and so much road to cover, it can be hard to choose where to go first. Here are some of the most popular destinations for road trips near Everett.

Get out there and explore the striking views, incredible history, and natural beauty surrounding the scenic city of Everett.

Road Conditions in Everett

Driving on a road riddled with potholes can be incredibly stressful, and at worst, costly. We looked into data collected in the National Transportation Research Group‘s 2018 road reports for Seattle, Washington, which is less than half an hour from Everett.

POOR SHAREMEDIOCRE SHAREFAIR SHAREGOOD SHAREVEHICLE OPERATING COSTS (VOC)
41%23%17%19%$684
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Unfortunately, over 40 percent of Seattle roads are in poor condition. That’s led to some unique efforts to try and get the city’s roads back up to standard.

Does Everett use speeding or red-light cameras?

Red-light cameras have caused a lot of controversy around the nation, leading to several cities and states banning them as unconstitutional. How about in Everett?

Red-light cameras are legal in Washington state and are in use in Everett.

Here’s some data on the issue thanks to Insurance Institute for Highway Safety:

TYPE OF VIOLATIONARE CAMERAS PERMITTED?WHERE ARE CAMERAS PERMITTED?CAMERAS IN PLACE? PENALTIES
Red lightYes, by state law and city ordinanceStatewide at intersections of 2 arterialsYesMaximum $250 fine; not included in the driving record and shall be processed in the same manner as parking infractions
SpeedYes, by state law and city ordinanceSchool speed zonesYesFine no greater than the fine for a parking infraction within the jurisdiction; not included in the driving record and shall be processed in the same manner as parking infractions
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Vehicles in Everett

So we’ve looked at the roads themselves, but what about the cars and other vehicles Everett citizens are most likely to be using? Here, we’ll answer that, some questions on vehicle ownership, and more. Do Subaru’s really sell more in Washington?

Most Popular Vehicles Owned

To get the closest picture of vehicles driving in and around Everett, we looked at the top 10 most commonly owned vehicles being driven in the greater Seattle area.

  • Toyota – 57,000
  • Honda – 43,000
  • Subaru – 28,000
  • Ford/VW (tie) – 19,000
  • Nissan/Chevrolet (tie) – 12,000
  • Mazda – 11,000
  • BMW – 10,000
  • Mercedes Benz – 9,000

Though Subaru’s are famously popular in Washington (and the percentages of ownership are considerably higher here than the national average), actually Toyota and Honda both top the charts. These dependable, affordable to upkeep cars are great on the roads, and generally pretty cheap to insure.

How Many Cars Per Household

The national trend amongst cars per household is two cars. That’s due to most households requiring two vehicles to allow for the residents to get to and from work.

In Everett, this holds true, and the majority of Everett residents have two cars per household.

Households Without a Car

How many households in Everett don’t have any cars at all?

JURISDICTION2015 HOUSEHOLDS
WITHOUT VEHICLES
2016 HOUSEHOLDS
WITHOUT VEHICLES
2015 VEHICLES
PER HOUSEHOLD
2016 VEHICLES
PER HOUSEHOLD
Everett, Washington13.20%11.60%1.64 1.65
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The numbers went down between 2015 and 2016, mirroring the national trend of Americans buying more cars than ever before.

Vehicle Theft in Everett

Knowing how likely a vehicle theft is in your city can help keep you safe. In the next few sections, we’ll be looking at theft and several other crimes in Everett to keep you informed.

In 2017, Everett had 938 motor vehicle theft crimes.

If you are concerned about safety, here are the top 10 safest neighborhoods in Everett.

  1. Silver Firs
  2. Seattle Hill/Larimer’s Corner
  3. Lowell Larimer Rd/56th Ave SE
  4. Lowell Larimer Rd/Larimer Rd
  5. 100th St SE/19th Ave SE
  6. Darlington/Edgewater
  7. Beverly Ln/Highland Rd
  8. 124th St SE/29th Ave SE
  9. W Mukilteo Blvd/Olympic Blvd
  10. Ash Way/Gibson Rd

Some good news, Everett’s crime index is five (meaning it’s safer than 5 percent of U.S. cities).

CRIMEEVERETT TOTALEVERETT RATE PER 1,000U.S. TOTALU.S. RATE PER 1,000
Murder50.0517,2840.05
Rape520.47135,7550.42
Robbery1311.19319,3560.98
Assault3092.81810,8252.49
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In Everett, your chances of becoming a victim are one in 22 versus a one in 32 chance in Washington overall.

Traffic in Everett

Nobody wants to end up sitting in bumper-to-bumper traffic. Whether you’re new to the area or an Everett native, learning about where and when traffic is worse will hopefully help you avoid the worst of traffic in your city.

Traffic Congestion

To get a good image of traffic congestion, we’ll again take a look at neighboring Seattle, the largest city in Washington.

Seattle ranks 58th in the world in city congestion.

The hours of 8 a.m. and 5 p.m. are the worst times in terms of congested traffic, which makes sense, considering the number of residents who commute to work. Traffic can add as much as 20 minutes in the evening to a normally 30-minute commute.

For Everett residents who commute to Seattle for work, you’ll need an average 94 minutes to make the 24-mile trip. That is a lot of time sitting in traffic, what some might call a “super-commute.”

Up next, we’ll look at the methods of transportation Everett residents use most.

Transportation

With nearly 70 percent of Everett residents traveling to work alone, it’s easy to see why peak travel times shoot up during commute hours.

The average Everett commute time is a bit longer than most Americans’. Everett drivers commute 27.4 minutes to work on average, while the U.S. overall averages 25.1 minutes.

Busiest Highways

I-5 is the most active highway in Washington. Everett residents who travel to work or to Seattle generally use this thoroughfare.

How safe are Everett streets and roads?

Safety is one of the number-one concerns on most drivers’ minds when they get behind the wheel. The National Highway Traffic Safety Administration collects data, breaking down fatalities by county in each state.

Everett is located in Snohomish County. Here, we’ll help you understand this data to help make informed decisions about how, when, and where you drive.

SNOHOMISH COUNTY20132014201520162017
Total Fatalities3233534442
Alcohol-Impaired Fatalities 113141310
Single-Vehicle Fatalitiies1913312524
Speeding Fatalities1712141617
Roadway Departure Fatalities1720272021
Fatalities involving an Intersection8513108
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Driving under the influence of alcohol and speeding are two of the most dangerous activities that cause serious injury and death across the country.

We’ve also looked at the person type involved in fatalities, meaning what kind of driver was involved in a fatal accident. Of the three categories below, passenger car occupants saw the highest rates of fatalities.

SNOHOMISH COUNTY20132014201520162017
Passenger Car fatalities1116201616
Pedestrian Fatalities3911117
Pedalcyclist Fatalities30212
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It’s also worth taking a look at where fatalities occur so you can be aware of areas that could be the most dangerous and where you should exercise extra caution.

RURALURBANFREEWAY/EXPRESSWAYOTHERMINOR ARTERIALCOLLECTOR ARTERIALLOCALUNKNOWN
070139811
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Unlike the rest of the country, where most accidents happen in rural areas, Snohomish County saw the majority of accidents in urban or “other” areas. This is most likely because Everett and its surrounding areas are rather developed, and the city and suburb make up the locations where accidents happen.

Allstate America’s Best Drivers Report

Want to know just how bad (or good) the drivers in your area are?

Well then, let’s check out Allstate America’s Best Drivers Report, an annual report looking at the nation’s safest (and worst) drivers. Out of 200 of the largest U.S. cities, Washington holds five cities that make the list.

  • Spokane
  • Vancouver
  • Bellevue
  • Tacoma
  • Seattle

As Everett is closest to Seattle, we’ll take a peek into how they rank.

Seattle is ranked 155th on the list of safest driving cities. Not so great.

The average Seattle driver has 7.7 years between claims. They also have 20.6 hard braking events for every 1,000 miles. These add up to rather dangerous conditions, so take extra care when heading to Seattle.

Ridesharing

For Everett residents hoping to get from Point A to Point B without a car, there is a wide range of ridesharing options to choose between. Uber and Lyft still hold the majority of market share, but be sure to check out some of the less popular companies, as you may get a better rate.

  • The Blacklane is a luxury car service.
  • Curb is a mobile app to hail and pay for taxi services.
  • Flywheel is a mobile app to hail and pay for taxi services.
  • Lyft is a ridesharing service
  • Taxi
  • Uber

Whichever you choose, the best way to get a cheap price is to compare before you accept a ride.

E-Star® Repair Shops

Getting into an accident is stressful enough as it is. You shouldn’t have to worry about finding a mechanic you can trust to do top quality work on your vehicle.

To help folks around the nation find the best service, Esurance created the E-Star® Repair network. They rate and collect the best shops, so you don’t have to spend forever looking for yourself.

Here are the E-Star® repair shops located within 15 miles of Everett.

REPAIR SHOPEMAIL ADDRESSPHONE NUMBER
CALIBER - MONROE WA
17368 WEST MAIN STREET
MONROE WA 98272
monroewa@calibercollision.com(360) 794-3377
CARSTAR ARA - EVERETT
10721 EVERGREEN WAY S #D
EVERETT WA 98201
kevinparsons@ara-cc.com(425) 355-3002
CARSTAR ARA - NORTH
1325 8TH ST
MARYSVILLE WA 98270
aramanager@comcast.net(360) 651-0302
CARSTAR - COLLISION CLINIC
22327 HIGHWAY 99
EDMONDS WA 98026
N/A(425) 775-0333
CARSTAR - SNOHOMISH
512 PINE AVENUE
SNOHOMISH WA 98290
N/A(425) 482-4342
CENTRAL BODY WORKS INC.
1310 PACIFIC AVE
EVERETT WA 98201
mhagen@centralbodyworks.com
(425) 259-5101
WBL AUTOMOTIVE
6021 199TH ST NE BLDG B
ARLINGTON WA 98223
wblautomotive@gmail.com(360) 659-0111
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This is just a small number of the total in the greater Seattle rating, so if you want to look at other options, be sure to check out the full list.

Weather

Washington has a reputation for rainy, grey weather, but is it that bad?

EVERETT WEATHER AVERAGESTEMPERATURE
Annual high temperature:57.6°F
Annual low temperature:44.7°F
Average temperature:51.15°F
Average annual precipitation - rainfall:36.1 inch
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Well, rain lovers certainly won’t be disappointed. The U.S. Climate Data reports Everett gets 36.1 inches of rainfall a year.

Snohomish County faces 28 possible natural disasters, where the U.S. average is only 13. What can cause a natural disaster? Below is a list of which natural disasters occurred in Snohomish County:

  • Floods
  • Storms
  • Mudslides
  • Landslides
  • Winter Storms
  • Earthquakes
  • Winds
  • Heavy Rain
  • Hurricane
  • Snow
  • Volcanic Eruption

If you’re concerned about your car being covered in case of natural disaster damages, be sure to talk to your agent about what your policy covers.

Public Transit

Everett residents hoping to lower their carbon emissions and take advantage of public transportation can look to the bus transit service, Everett Transit.

FIXED ROUTEFAREMONTHLY PASS
Adult$2.00$72
ORCA lift and Youth$1.50$54
Senior/Diabled$0.50$18
ParatransitN/AN/A
All Riders$2.00$72
Set of Six tickets$12.00-
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Everett Transit offers routes throughout the city. Above you’ll find a chart from their website showing fare prices and options for monthly passes.

Alternate Transportation

Across the country, a lot of cities are offering scooter and bike rentals for their residents to take advantage of. Keep an eye out for services like Lime and Bird when you head to larger cities.

Currently, Lime operates in Seattle. However, they have yet to expand to many smaller cities, including Everett.

Parking in Metro Areas

The city of Everett owns a public parking garage in downtown Everett. The Everpark garage has 495 stalls, offering free parking after 6 p.m. every evening and on weekends. Everpark also offers monthly and hourly rates.

Otherwise, residents and visitors can choose between a variety of privately owned parking garages and lots in downtown Everett.

Air Quality in Everett

The usage of gasoline fuel amongst cars and trucks emits pollutants into the air. These pollutants lower air quality across the globes, especially in cities where the high concentration of vehicles leads to harmful effects on the population.

The United States Environmental Protection Agency tracks air quality across the year for counties in each state. Here’s a look at Snohomish County air quality.

YEARGOOD DAYSMODERATE DAYSUNHEALTHY FOR SENSITIVE GROUPSUNHEALTHY
201727475133
20182916554
Partial 20191133710
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The vast majority of days were considered good in Snohomish County, with only one Unhealthy for Sensitive Groups day so far in 2019.

We’ll see how this plays out over the next few years.

Military/Veterans

Military personnel, veterans, and their families face unique challenges in the United States. One thing you shouldn’t have to worry about is affordable auto insurance. USAA is an insurance company available to military, veterans, and eligible family members. As we’ve noted throughout the post so far, USAA has some of the very best rates in Washington and around the country.

GROUPMARRIED 35-YEAR-OLD FEMALEMARRIED 35-YEAR-OLD MALEMARRIED 60-YEAR-OLD FEMALEMARRIED 60-YEAR-OLD MALESINGLE 17-YEAR-OLD FEMALESINGLE 17-YEAR-OLD MALESINGLE 25-YEAR-OLD FEMALESINGLE 25-YEAR-OLD MALEAVERAGE
Allstate$2,364.21$2,331.89$2,191.35$2,300.42$8,723.81$10,128.88$2,506.18$2,598.04$4,143.10
American Family$2,250.79$2,250.79$2,057.10$2,057.10$8,619.65$11,730.19$2,250.79$2,998.57$4,276.87
Farmers$2,634.58$2,706.19$2,411.08$2,746.10$6,115.79$6,579.36$3,328.28$3,438.63$3,745.00
Geico$1,868.92$1,901.40$1,751.34$1,751.34$4,096.89$5,332.19$3,176.43$2,294.49$2,771.63
Liberty Mutual$2,060.58$2,249.96$1,839.53$2,162.49$11,683.04$12,842.97$2,190.08$2,377.70$4,675.79
Nationwide$1,541.35$1,575.41$1,434.25$1,492.17$4,246.35$5,147.75$1,849.78$1,992.38$2,409.93
Progressive$1,755.46$1,635.93$1,586.37$1,604.17$8,989.50$10,064.91$2,096.11$2,078.70$3,726.39
State Farm$1,833.39$1,833.39$1,654.29$1,654.29$5,377.28$6,797.75$2,089.27$2,397.76$2,954.68
USAA$1,197.14$1,179.43$1,158.50$1,156.36$5,287.98$6,232.86$1,514.90$1,657.80
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Everett is home to the Naval Base Everett. It is located on the Northeast side of the Puget Sound. Military personnel living in Everett can take comfort in the fact that, alongside USAA, many other companies offer affordable rates and military discounts.

In Everett, most of the veteran population fought in the Vietnam War.

Unique City Laws

Next, switching away from a military focus, we are going to look at some of Everett’s unique city laws. That way, you can stay safe and, hopefully, avoid getting any tickets.

The state of Washington takes distracted driving very seriously. Indeed, they have a state-wide handheld ban. When driving in Washington, drivers cannot hold a phone. It can be used hands-free, but even when stopped, you cannot be holding a phone or you may face legal penalties.

Food trucks have become a beloved, popular, and fun way to eat (and open a restaurant). For Everett residents interested in operating a food truck, you’ll need permits and licenses from both the state and local level.

You’ll need a business license from the state, and most counties require a local business license, as well.

Operators also need health licensing. Food trucks need permits for where they are parked. Everett’s local government controls where food trucks can and cannot park.

Tiny homes are an ever-growing trend to live a minimalist life. You can find them on HGTV and all across America.

In 2018 was the first authorized tiny home village’s creation in Snohomish County. This community not only provides an opportunity for folks who want to live in a tiny home, but it was also created to assist Washington’s homeless in staying dry and warm, giving them something beyond just tent protection.

Parking laws are pretty clear in Everett:

  • You must park in the same direction as traffic.
  • You must follow all signs and curb markings.
  • Any vehicle parked more than 72 hours is considered to be abandoned.

For a more detailed listing of more parking laws, you can click here.

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Everett Car Insurance FAQs

We’ve made it through almost everything you need to know about driving in Everett. In this last section, we’ll answer some common questions.

What type of insurance do I need to drive in Everett?

All drivers are required to have the minimum required limits of liability. This includes motorcycles. Drivers must meet the following limits of liability:

  • $25,000 for bodily injury or death per person
  • $50,000 for total bodily injury or death per accident
  • $10,000 for damage to another person’s property per accident

This is the minimum required limits. You can always opt for more coverage, which is a good idea to prevent you from paying out of pocket for expensive accidents.

What should I do if I get in an accident?

Washington is a comparative fault state. This means after you are in an accident, who is at fault (and thus financially responsible) will need to be determined. Depending on that answer, you will either file the claim with your insurance or the other party’s insurance.

Your liability insurance pays for the other person’s claim and damages when you are held liable.

How much does it cost to register my vehicle?

Registration depends on many variants: where you live, the class of your vehicle, and the plate type all play into figuring your registration fee. To calculate your estimated registration fees, look at the Washington State Department of Licensing.

Do I need a new driver’s license?

Are you new to Washington? If so, you will need to forfeit your former license to a Washington state DMV and receive a new Washington state license. When you go, you’ll need to show proof of residency, proof of identity, and pass a vision test.

And that’s everything! We covered a lot of information and hope you feel confident finding the best car insurance in Everett, Washington. Now you’re ready to hit the roads and start shopping around for coverage. To begin comparing (and saving), go ahead and click here to try out our free comparison tool.

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