Compare Seattle, WA Car Insurance Rates (2021)

Car insurance in Seattle, WA averages $310 a month. Seattle, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Seattle car insurance rates, compare quotes from the top car insurance companies in Seattle, WA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Seattle for teen drivers is GEICO
  • The cheapest ZIP code in Seattle is 98154
  • Average car insurance rates in Seattle, WA after a DUI are $4,332/year

If you need to buy Seattle, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Seattle, WA is right here.

You’ll find Seattle car insurance rates, the cheapest Seattle, WA car insurance companies, and information on Washington car insurance laws. You can also compare Seattle, Washington car insurance rates to Spokane car insurance rates, Renton car insurance rates, and Vancouver car insurance rates.

Ready to find affordable Seattle, WA car insurance today? Enter your ZIP code for fast, free Seattle car insurance quotes.

Cheapest Seattle, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Seattle, WA car insurance rates? Every Seattle, Washington car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Seattle, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,503 $2,470 $2,316 $2,434 $9,303 $10,808 $2,658 $2,760
American Family $2,662 $2,662 $2,432 $2,432 $10,252 $13,958 $2,662 $3,552
Farmers $2,785 $2,860 $2,549 $2,899 $6,449 $6,936 $3,517 $3,639
GEICO $1,856 $1,889 $1,739 $1,739 $4,089 $5,329 $3,167 $2,284
Liberty Mutual $2,228 $2,427 $1,983 $2,331 $12,672 $13,918 $2,361 $2,563
Nationwide $1,708 $1,746 $1,587 $1,653 $4,757 $5,775 $2,056 $2,217
Progressive $1,803 $1,683 $1,631 $1,650 $9,260 $10,360 $2,155 $2,138
State Farm $1,941 $1,941 $1,751 $1,751 $5,686 $7,192 $2,211 $2,543
USAA $1,282 $1,262 $1,242 $1,238 $5,726 $6,748 $1,626 $1,781

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Seattle, WA

Every driver must carry the minimum car insurance in Seattle, WA. Take a look at the Washington car insurance requirements.

Minimum Required Car Insurance Coverage in Seattle, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Seattle, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Seattle, WA. Compare credit history car insurance rates in Seattle from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Seattle, Washington

Insurance Company Poor Fair Good
Allstate $5,442 $4,189 $3,589
American Family $5,992 $4,894 $4,344
Farmers $4,807 $3,654 $3,402
GEICO $3,287 $2,630 $2,368
Liberty Mutual $7,233 $4,457 $3,490
Nationwide $3,211 $2,509 $2,343
Progressive $4,214 $3,772 $3,519
State Farm $4,542 $2,723 $2,115
USAA $3,294 $2,417 $2,128

Cheapest Seattle, WA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Seattle, WA to rates for a clean record with top companies.

Annual Seattle, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,674 $4,641 $5,176 $4,136
American Family $4,061 $5,218 $6,037 $4,991
Farmers $3,274 $4,085 $4,387 $4,072
GEICO $2,134 $2,725 $4,054 $2,134
Liberty Mutual $4,311 $5,444 $5,546 $4,941
Nationwide $2,083 $2,829 $3,557 $2,280
Progressive $3,100 $4,883 $3,614 $3,744
State Farm $2,837 $3,417 $3,127 $3,127
USAA $1,914 $2,784 $3,487 $2,266

Cheapest Seattle, WA Car Insurance for Teen Drivers

Teen car insurance in Seattle, WA can be expensive. Take a look at rates from the top car insurance companies in Seattle for teenagers.

Annual Car Insurance Rates for Teen Drivers in Seattle, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,303 $10,808
American Family $10,252 $13,958
Farmers $6,449 $6,936
GEICO $4,089 $5,329
Liberty Mutual $12,672 $13,918
Nationwide $4,757 $5,775
Progressive $9,260 $10,360
State Farm $5,686 $7,192
USAA $5,726 $6,748

Cheapest Seattle, WA Car Insurance for Seniors

Take a look at Seattle, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Seattle, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,316 $2,434
American Family $2,432 $2,432
Farmers $2,549 $2,899
GEICO $1,739 $1,739
Liberty Mutual $1,983 $2,331
Nationwide $1,587 $1,653
Progressive $1,631 $1,650
State Farm $1,751 $1,751
USAA $1,242 $1,238

Cheapest Seattle, WA Car Insurance Rates After a DUI

A DUI in Seattle, WA increases car insurance rates. Compare Seattle, Washington DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Seattle, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,176
American Family $6,037
Farmers $4,387
GEICO $4,054
Liberty Mutual $5,546
Nationwide $3,557
Progressive $3,614
State Farm $3,127
USAA $3,487

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Seattle, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Seattle, WA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Seattle, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,407 $4,407
American Family $4,974 $5,180
Farmers $3,954 $3,954
GEICO $2,726 $2,797
Liberty Mutual $5,060 $5,060
Nationwide $2,687 $2,687
Progressive $3,835 $3,835
State Farm $3,040 $3,213
USAA $2,587 $2,639

Cheapest Seattle, WA Car Insurance Rates by ZIP Code

Seattle car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Seattle, WA.

Annual Car Insurance Rates by ZIP Code in Seattle, Washington

ZIP Code Average Annual Rates
98101 $3,597
98102 $3,651
98103 $3,582
98104 $3,724
98105 $3,641
98106 $3,960
98107 $3,577
98108 $4,045
98109 $3,674
98112 $3,656
98115 $3,714
98116 $3,767
98117 $3,579
98118 $4,096
98119 $3,601
98121 $3,628
98122 $3,743
98125 $3,778
98126 $3,953
98131 $3,735
98132 $3,735
98133 $3,753
98134 $3,837
98136 $3,829
98144 $3,959
98146 $3,827
98154 $3,564
98158 $3,909
98161 $3,707
98164 $3,724
98174 $3,748
98177 $3,704
98178 $3,930
98199 $3,597

The Best Cheap Car Insurance Companies in Seattle, WA

Take a look at a side-by-side comparison of the top car insurance companies in Seattle, WA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Seattle, Washington

Insurance Company Average Annual Rates
Allstate $4,407
American Family $5,077
Farmers $3,954
GEICO $2,762
Liberty Mutual $5,060
Nationwide $2,687
Progressive $3,835
State Farm $3,127
USAA $2,613

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Seattle, Washington

Find the cheapest car insurance companies in Seattle, WA for each category right here.

Best Annual Car Insurance Rates by Company in Seattle, Washington

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Seattle, WA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Seattle car insurance rates. Find the cheapest Seattle, WA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Seattle, Washington

Insurance Company Low Medium High
Allstate $4,161 $4,393 $4,665
American Family $4,789 $5,072 $5,369
Farmers $3,666 $3,956 $4,240
GEICO $2,591 $2,765 $2,929
Liberty Mutual $4,761 $5,073 $5,347
Nationwide $2,537 $2,688 $2,837
Progressive $3,450 $3,731 $4,324
State Farm $2,907 $3,142 $3,332
USAA $2,439 $2,613 $2,787

What affects car insurance rates in Seattle, Washington?

What factors can have an impact on Seattle, WA car insurance? There are several reasons why Seattle car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Seattle, Washington.

Car Theft in Seattle

High levels of vehicle theft can make car insurance more expensive. Seattle, WA car theft statistics from the FBI indicate 4,042 vehicle thefts a year.

Commute Time in Seattle

The more time you spend in your car the higher the risk of an accident. The average commute length in Seattle, WA is 27.9 minutes according to City-Data.

Traffic in Seattle

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Seattle, WA traffic data from INRIX ranks Seattle as the 130th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Seattle, WA

Ready to find affordable Seattle, Washington car insurance today? Enter your ZIP code for fast, free Seattle, WA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption