Chambers Bay Insurance Group
7017 27th St W, Ste 1, University Place, WA 98466
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University Place households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7017 27th St W, Ste 1, University Place, WA 98466
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5712 Orchard St W, University Place, WA 98467
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3318 Bridgeport Way W Suite D-7, University Place, WA 98466
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3318 Bridgeport Way W, Ste C5, University Place, WA 98466
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Learn about insurance coverage options specific to University Place residents.
Get the complete guide to auto, home & local insurance in University Place, WA. Find rates, requirements, and trusted agents in Pierce County.
Car InsuranceUniversity Place auto insurance guide for 2026. Learn about Washington's 25/50/10 minimums, at-fault system, average costs, and coverage options for Pierce County drivers.
Washington drivers pay an average of $2,310 per year or about $193 per month for full coverage auto insurance in 2025. Your actual rate in University Place will depend on your driving record, age, vehicle type, and coverage levels. A clean driving record can lower your premium to around $2,009 annually, while a single moving violation can increase it to approximately $2,920.
Washington requires all drivers to carry minimum liability coverage of 25/50/10, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. However, insurance professionals typically recommend higher limits of at least 100/300/100, especially in metro areas like University Place where accident costs can quickly exceed minimum coverage.
Yes, University Place enjoys significantly lower home insurance rates than the state average. Homeowners here pay roughly $516 to $702 annually, compared to Washington's average of $1,415 per year. Local factors like lower crime rates and favorable weather patterns likely contribute to these more affordable premiums.
Standard homeowners insurance policies in Washington don't cover earthquake damage, but given University Place's location in Pierce County near Puget Sound, it's worth considering. Washington sits on active fault lines, and earthquake insurance can protect you from potentially catastrophic losses. Talk to your insurance agent about adding this coverage based on your home's construction and your risk tolerance.
Local agents in University Place offer valuable advantages, especially if you work with an independent agent who can shop multiple carriers on your behalf. They understand Pierce County-specific risks, can bundle policies for discounts, and provide personalized service when you need to file a claim. While online quotes are convenient, a good local agent can often find better rates and coverage options you might not discover on your own.
Driving without insurance in Washington carries serious consequences. You face fines of $550 or more for a first offense, with higher penalties for repeat violations. If you're found at fault in an accident without coverage, your license can be suspended. Washington requires you to show proof of insurance to law enforcement when requested, so it's essential to keep your insurance ID card accessible in your vehicle.
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