Cheap Car Insurance in Seattle, WA

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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In the market for cheap auto insurance in Seattle, WA? At, you could get the best insurance rates within your town. In order to obtain free car insurance rates from the best providers immediately, enter your postal code in the quote box in this article.

Called “The Emerald City” by some, Seattle began as a quaint little lumber town just over a hundred years ago. But the Alaska Gold rush of the late 19th century changed all that, triggering a massive migration of prospectors into the Pacific Northwest. Today, Seattle serves as the main commercial, manufacturing, and transportation hub for the entire region, and is one of the largest US cities west of the Rocky Mountains.

  • Fun fact: it sure is crowded out here! Because Seattle is #27 on the list of “Top 100 biggest cities”. Read up on Seattle by visiting here.

Auto Insurance Coverage Requirements in Washington

Driving legally in Seattle requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Why is Liability coverage legally mandated in most states, Washington included? Because if you are found responsible for causing damage to others or their property with your driving, then you should be held financially responsible for the damages you cause. That's the philosophy behind the law, anyway.

Most drivers could be paying a nightmarish $125 each month or more for their Washington car insurance. However, this doesn't have to be the case. Seattle drivers can lower their costs by more than half - down to $42/mo* or less!

Average Monthly Auto Insurance Premiums Legend: Seattle State Farm Farmers American Family Capital Allstate 5 10 15 20 25 30 35 40 45 50 $29 $38 $47 $43 $53


State Farm and Farmers are offering the best deals in the Seattle area for the average driver right now. But if you happen to have several accidents on your record, or you are under the age of 25, their advertised average prices may not apply to you.

Those who provide you with auto insurance plans contemplate various variables while calculating insurance rates, such as driving experience, driving violations, your credit rating, miles driven each year, and current insurance coverage and limits. Also take into account that premiums could differ from business to business. To find out if that you are still paying the lowest-cost cost, evaluate cheap Seattle auto insurance quotes on the internet.

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Major Car Insurance Factors in Seattle

At the time your automobile insurance company prepares to come up with your insurance policy, they take several parameters into account. Many of these, just like credit history or your specific location, tend to be extremely hard to vary. Here are various additional examples:

Your Zip Code

The spot where you park your automobile each night will likely have a serious impact on your car insurance rate. Usually, car insurance is less expensive in outlying areas mainly because a lesser number of cars indicates a smaller chance that you’ll get into an accident with some other vehicle. The populace of Seattle is 652,405 plus the normal family earnings are $70,172.

Auto Insurance by Zip Code Legend: Bellevue Seattle Spokane Tacoma Vancouver State Farm Farmers American Family Capital Allstate 5 10 15 20 25 30 35 40 45 50 55 $26 $29 $21 $34 $26 $32 $38 $29 $35 $30 $37 $47 $28 $37 $29 $38 $43 $36 $46 $40 $52 $53 $40 $59 $47


Automotive Accidents

Yes, there are more than half a million people living in Seattle, but the overall rate of serious accidents is still very high (especially when you look at the drunk driving statistics). Because of this, rates in your area are likely higher. But you might be eligible for safe driver or similar such discounts if you ask your insurance agent about their availability.

Fatal Accidents in Seattle, WA Legend: Seattle Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 50 55 29 38 11 30 58 15


Auto Thefts in Seattle

Acquiring low-cost auto insurance can be challenging if you’re at risk for auto theft. Some trendy car or truck models are alluring to thieves, as well as cars or trucks which might be parked frequently in large cities. The full quantity of stolen cars in Seattle jumped up to 4,310 during the year 2013. This is a high number both in general and per capita, so it's essential that you have some amount of Comprehensive coverage on your policy.


Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 90 100 $29 $67 $38 $78 $47 $106 $43 $88 $53 $100


Your Credit Score

In some states, there are dramatic differences between the monthly rates of drivers with poor credit, and the monthly rates of drivers with excellent credit. In other states, there's only a small difference (or none at all). In Washington, that difference in price, as you can see, depends mostly on your insurance provider.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 $23 $58 $33 $57 $43 $65 $36 $85 $43 $78


Your Age

If you are under the age of 25, or you are trying to help someone of that age get automotive insurance, the bad news that it's going to be expensive. There are discounts which could help (such as Good Student and Driver's Education), but gaining driving experience with age is really the only way to make your rates drop significantly.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Farmers American Family Capital Allstate 30 60 90 120 150 180 210 240 270 300 $29 $129 $38 $259 $47 $316 $43 $132 $53 $196


Your Driving Record

Obviously, having a perfectly clean record will get you the lowest rate. But life happens sometimes, and not all drivers have that perfect record which providers love to reward with discounts. In such situations, if your past violations are minor, you may be eligible for Accident Forgiveness discounts (your agent will have more information.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 90 $29 $32 $32 $36 $38 $58 $78 $64 $47 $66 $96 $69 $43 $50 $63 $54 $53 $59 $71 $76


Your Vehicle

Are you thinking about purchasing a luxury vehicle? Well, just remember that expensive vehicles require expensive insurance policies. In most circumstances, such as financing a new vehicle, you won't be allowed to purchase less than adequate coverage. But even if you could insure a Porsche with Liability only coverage, you'd probably end up paying more out-of-pocket in unpaid claims.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Farmers American Family Capital Allstate 15 30 45 60 75 90 105 120 135 150 $29 $90 $38 $108 $47 $159 $43 $123 $53 $110


Minor Car Insurance Factors in Seattle

Not all of the factors below will apply to everyone. But for those that apply to you, they could help lower your monthly premium:

Your Marital Status

Married couples should take advantage of bundling discounts in order to lower their monthly payments on the many different insurance products they require. And the more insurance policies you have under a single company, the more discounts you can get.

Your Gender

Despite whatever corny sitcom joke you've heard about "bad [insert your gender here] drivers" recycled over and over, the truth is that there's no scientific basis for such superstitions. That's why most insurance companies, if they still alter rates based on gender, barely charge more than a 1-3% difference.

Your Driving Distance to Work

Commuting around Seattle can be hit or miss. If you’re lucky, you may only be spending between 15 to 25 minutes behind the wheel each way (with 20 minutes being the average). If you are not, your trip could end up lasting up to 35 minutes. Seattle is also a popular place for alternative means of transportation; only about 55% of workers commute alone each day using their own truck or car, while an impressive 20% rely on bus travel. Around 9% carpool and 4% walk.

It may seem like your providers is very enthusiastic about giving you discounts based on driving fewer miles, but that enthusiasm doesn't exactly translate into numbers. Even driving 5,000 fewer miles or more each year will barely net you a 3% discount in most situations.

Your Coverage and Deductibles

Raising your deductible can lower your monthly premium, but it can also leave you with a huge bill if you do get into an accident. Lowering your deductible can make a difficult situation less financially burdensome, but you will be paying more in monthly premiums.

Education in Seattle, WA

Seattle is a highly educated city. Nearly one-third of its entire population (30%) has a bachelor’s degree hanging on their wall, and a lower rate on auto insurance to go with it. This is because providers tend to offer lower pricing or special discounts for drivers who have taken their education to the next level. Additionally, 15% of the Seattle population has successfully completed all four years of their high school education.

Three major four-year schools dominate the higher education landscape in Seattle: the University of Washington, Seattle Pacific University, and Seattle University. “UDub” is by far the largest, with an average student body totaling over 40,000 each term. SU and SPU are about one-tenth the size and were originally founded by private religious organizations. And for the working adult who wants a functional degree at a fraction of the price, there are dozens of vocational schools and community colleges which service the immediate Seattle area.

Car insurance is among the most important financial investments you can possibly make as an individual. You have to be sure you discover a reputable, accountable company who can follow through on their offers. A number of car insurance agencies happen to be better at this than others, and conducting a conscientious internet search may help you differentiate the favorable from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Office of the Insurance Commissioner - Washington State

Washington State Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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