Compare Seattle, WA Car Insurance Rates [2023]
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.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 11, 2023
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.
UPDATED: Jun 11, 2023
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.
On This Page
- 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, 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
What are the factors that affect car insurance rates? 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.
| 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 |
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Minimum Car Insurance in Seattle, WA
Every driver must carry the minimum car insurance in Seattle, WA. It’s important to know how to find car insurance coverage requirements in your state. Take a look at the Washington car insurance requirements.
| 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. What is a good credit discount? You may qualify for a discounted car insurance rate if you have good credit.
| 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
Did you know car insurance companies check your driving record? Your driving record is one of the biggest factors affecting car insurance costs. Compare car insurance rates with a bad driving record in Seattle, WA to rates for a clean record with top companies.
| 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. Compare car insurance rates for teen drivers from the top car insurance companies in Seattle.
| 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. Many providers offer low cost car insurance for seniors.
| 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 car insurance rates after a DUI by company in Seattle, Washington to find the cheapest option.
| 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 |
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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. If you don’t have a commute, you can get lower car insurance by driving less.
| 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. But remember, using a fake address for cheap car insurance is illegal.
| 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. See how they stack up to America’s best car insurance companies.
| 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 |
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Category Winners: Cheapest Car Insurance in Seattle, Washington
Find the cheapest car insurance companies in Seattle, WA for each category right here.
| 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. Understanding the types of car insurance is crucial. Find the cheapest Seattle, WA car insurance rates by coverage level.
| 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. Find out if Washington is among the states with the highest vehicle theft rates.
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.
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Compare Car Insurance Quotes in Seattle, WA
Read our quick tips on how to compare multiple car insurance quotes online. Ready to find affordable Seattle, Washington car insurance today? Enter your ZIP code for fast, free Seattle, WA car insurance quotes.
Frequently Asked Questions
How does commute length affect car insurance rates in Seattle, WA?
Commute length can affect car insurance rates in Seattle, WA. If you have a longer daily commute, you may have higher rates compared to someone with a shorter commute or no regular commute at all.
How does a DUI affect car insurance rates in Seattle, WA?
A DUI can significantly impact car insurance rates in Seattle, WA. After a DUI, insurance rates often increase, and you may need to obtain an SR-22 form to demonstrate financial responsibility to the state.
Are there special car insurance rates for senior drivers in Seattle, WA?
Some insurance companies offer special rates for senior drivers in Seattle, WA. It’s advisable to compare rates from different companies to find the most affordable options for senior drivers.
What are the car insurance rates for teen drivers in Seattle, WA?
Car insurance rates for teen drivers in Seattle, WA tend to be higher compared to older and more experienced drivers. Rates can vary depending on the insurance company, but shopping around can help find more affordable options.
How does driving record impact car insurance rates in Seattle, WA?
Your driving record has a significant impact on car insurance rates in Seattle, WA. Having a clean driving record with no accidents or violations generally leads to lower rates, while a history of accidents, DUIs, or speeding violations can result in higher rates.
What is the minimum car insurance coverage required in Seattle, WA?
The minimum car insurance coverage required in Seattle, WA includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.