Car Insurance Options for Seattle

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Joel Ohman
Founder, CFP®

UPDATED: Jun 28, 2017

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Here's what you need to know...
  • All drivers in Seattle must comply with Washington car insurance minimum requirements
  • All drivers in Seattle are required to carry proof of liability insurance in their vehicle
  • The top companies offering car insurance provide coverage to residents of Seattle

Seattle is the largest city in Washington state which means that car insurance is a necessity.

The city is known for coffee, as Starbucks began as a small coffee stand at Pike Place Market. It is also home to Microsoft founder Bill Gates and the former home of Jimi Hendrix.

The city is currently trying to encourage residents to use public transportation, but personal vehicles remain the top mode of transportation for most of the residents of Seattle and the surrounding area.

With our ZIP code search, you can compare insurance rates for FREE!

Seattle Car Insurance Requirements


According to state minimum car insurance requirements, insurance cards are required to have the following information:

  • Full names of all drivers insured on the policy
  • Insurance policy identification number
  • Policy effective and expiration dates
  • Insurance company name
  • Year, model, and make of the vehicle insured by the policy

If the driver is asked to provide a valid card with auto insurance information for the vehicle and cannot produce one, they will be required to pay a fine of at least $450 or set a court date to plead their case.

Providing false vehicle insurance information is a misdemeanor in the state of Washington.

Insurance requirements in Seattle include:

  • $50,000 or more to cover death or bodily injury for two or more people per accident
  • $25,000 or more to cover death or bodily injury per person per accident
  • $10,000 or more to cover damage to property belonging to others per accident.

Washington car insurance designed to cover accidents caused by uninsured or underinsured drivers is not required in Seattle, but professionals recommend that all drivers purchase this additional coverage.

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Seattle Car Insurance Companies

Several auto insurance companies are based in Seattle.

These companies include:

Some agencies offer low rates to customers who buy several different types of insurance at the same time, so it is important to ask about any discounts you may be eligible for.

Thousands of car insurance agencies that are not based in the Seattle area may also offer low rates and exceptional coverage to Seattle drivers.

Other car insurance agencies that offer car insurance to drivers in the Seattle area include:

  • Progressive
  • Geico
  • Allstate
  • USAA
  • State Farm
  • Travelers Insurance

Average Car Insurance Rates in Seattle

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The average car insurance premium in Seattle that drivers pay is about $1,608 per year, or just over $130 each month. This rate is based on many factors including driver age, credit rating, accident history, coverage, and more.

Seattle car insurance rates can vary greatly between companies, even for the same drivers and identical vehicle and coverage amounts.

Drivers may opt for minimal insurance coverage to save money, but it is important to remember that Seattle uses a tort system regarding all vehicle accidents.

Authorities decide who was at fault in each accident and the parties that are named responsible are required to cover all damages that occurred as a result of the accident.

The responsible party is required to pay all damages that exceed the limits of their Seattle car insurance policy, so high policy limits are recommended.

Use our FREE search tool below and save money simply by entering your ZIP code!

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