Cheapest Auto Insurance in Seattle, Washington (2026)

Home to stunning landscapes, storied professional sports teams, major tech companies, and a thriving coffee culture, Seattle has a little something for everyone.

The trade-off for people in this bustling city is relatively high car insurance rates. The average cost of car insurance in Seattle is $119 per month for liability-only coverage and $206 per month for full coverage, compared to Washington state’s average rates of $94 and $164, respectively, according to Insurify data.

Seattle’s dense population likely contributes to its higher car insurance rates. Traffic congestion on city roads can lead to higher accident rates.

If you live in Seattle, it’s worth comparing car insurance companies like Travelers, USAA, and State Farm to find the best rates and coverage options.

3 of the cheapest car insurance companies in Seattle

The right car insurance company for you may be different from the ones you see below.

“The best advice is to shop around and know how much you can afford for your monthly premium and any out-of-pocket expenses if you have a claim,” says Stephanie Marquis, director of public affairs at the Washington State Office of the Insurance Commissioner. “Each company prices their coverage differently, and there are many factors that go into what they charge.”

Companies like Travelers, USAA, and State Farm are good starting points for your auto insurance search. Each brings decades of industry experience and affordable rates.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Travelers	8.5	$233	$119	Cheap rates
USAA	9.1	$116	$59	Military members and families
State Farm	9.3	$113	$58	Families

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for cheap rates: Travelers

Cheap rates

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User Reviews	4.7 545 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$149/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$294/mo

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Driver Reviews

4.7

Best choiceBased on 1,115 verified guest reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (545)

William

Verified Review

Always wanting more money

Reviewed in Florida on January 2026

Expect an increase in premiums every 6 months regardless of your driving record.

Eric

Verified Review

Frustrated with Some Things

Reviewed in South Carolina on January 2026

Cannot assign drivers to cars. Every vehicle is charged for every eligible driver. Nobody drives my truck but me and my wife a few times. My daughters would not even ask, yet I am charged as if they drive it daily.

Ricky

Verified Review

Cost

Reviewed in Kentucky on January 2026

They raise rates every year.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

592

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Whether you’re seeking a liability-only or a full-coverage policy, you can count on Travelers to provide some of the lowest rates. The 160-year-old national insurance company also offers a variety of discounts for additional savings.

Pros

• Wide array of coverage options 

• Highly rated mobile app

Cons

• Only 1.8 stars (out of 5) on Trustpilot 

• Rideshare insurance only offered in Colorado and Illinois

Best insurer for military members: USAA

military members

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User Reviews	4.9 1,409 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$73/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$147/mo

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Driver Reviews

4.9

Best choiceBased on 2,754 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,409)

Marcia

Verified Review

Good customer service and roadside assistance.

Reviewed in Michigan on January 2026

I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.

James

Verified Review

Great service and well laid out.

Reviewed in Kentucky on January 2026

I had them before and I can’t remember why I left. But I'm happy to be back.

Peter

Verified Review

USAA is the finest insurance company I have ever been with.

Reviewed in Tennessee on January 2026

I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

743

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

If you’re looking for car insurance with the best value as an active-duty military member, veteran, or qualifying family member, USAA may be right for you. The company offers affordable rates with discounts designed for members of the military community.

Pros

• SafePilot safe-driving usage-based telematics program offers policy savings of up to 30%

• Available nationwide

Cons

• Policies only sold to current or former military members and their families 

• Gap insurance not available

Best insurer for families: State Farm

Families

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User Reviews	4.1 6,874 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$72/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$143/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 14,040 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,874)

Janet

Verified Review

My State Farm

Reviewed in Mississippi on January 2026

No problems ever.

Shirley

Verified Review

Why is coverage so expensive?

Reviewed in Texas on January 2026

It's expensive for people who have NEVER had an accident, ticket, OR DUI. I keep my car in top condition. I'm an 84-year-old senior citizen with a clean driving record all around, yet I'm still not rewarded. The company is supposed to partner with the state for cheaper insurance for people over 50 years old. Is this true? I saw it on my phone. God bless.

Lanell

Verified Review

Always there to help and offer more than just auto insurance

Reviewed in North Carolina on January 2026

I love it. The company, my agent, and the staff are awesome people.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

656

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Insuring multiple drivers can get costly, especially if you have teens or a driver with a blemish on their record. State Farm, the nation's largest auto insurer, offers multi-vehicle and multi-policy discounts and deals for students to ensure you’re getting the best rates on your policy.

Pros

• More than 100 years of experience in the insurance industry

• Rideshare insurance available

Cons

• Gap insurance not available 

• Accident forgiveness coverage only offered to long-term policyholders

How to get the cheapest car insurance in Seattle

Finding cheap car insurance doesn’t always mean you’re getting the best policy. It’s important to consider a company’s track record of customer satisfaction, claims handling, financial strength, and coverage options to meet your needs.

But you can still find a car insurance company that checks all your boxes by following these tips:

• Compare quotes. Get quotes from at least three different companies. Ensure that your coverage types and amounts are similar across policies for the most accurate comparison.

• Stack discounts. You can get discounts for bundling insurance products, being a member of an affiliated group, or even putting your policy on autopay. Most insurers advertise discount offerings on their website, but you can contact a company representative to see if you qualify for other deals.

• Keep your risk profile low. While you have little control over several things when it comes to your insurance rates — like where you live, your age and gender, and your driving experience — you can still take steps to lower your risk. For instance, you can keep your driving history clean and drive a safe vehicle.

• Opt for a higher deductible. A higher deductible usually means lower premiums. If you choose a lower deductible for your policy, be sure you can pay it when you file a claim.^[1]

Cheapest liability-only car insurance in Seattle: State Farm

Liability-only car insurance covers the other party’s bodily injuries and vehicle repairs if you’re at fault in an accident. It’s generally the most basic coverage offered by car insurance companies and, therefore, the cheapest. But keep in mind that having only minimum coverage can leave you financially vulnerable if your vehicle is damaged or totaled in an accident you caused. And if you finance or lease your vehicle, the lender or leasing company will require you to have full coverage.

Liability coverage costs an average of $119 per month in Seattle. If you only need the minimum required insurance coverage, here are some of Seattle’s cheapest car insurance companies.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$72
USAA	$73
Allstate	$96
Direct Auto	$96
Progressive	$106
American Family	$109
National General	$110
Nationwide	$112
The General	$118
Chubb	$121
Farmers	$128
GEICO	$129
Safeco	$131
Dairyland	$144
Travelers	$149
Bristol West	$152
Liberty Mutual	$262

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Seattle: State Farm

Full-coverage car insurance covers you more thoroughly than liability-only coverage. It offers comprehensive coverage for damages and losses due to non-collision events like theft and natural disasters, as well as collision coverage, which will reimburse you for repairs to your vehicle after a collision, regardless of fault.

Full coverage may be optimal if you commute frequently, drive in a high-risk location, or own a high-value vehicle. Your lender may also require you to have collision and comprehensive coverage if your car has an outstanding loan or lease. On average, Seattle drivers pay $206 per month for full-coverage car insurance.

The following insurers offer affordable quotes for full-coverage auto insurance.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$143
USAA	$147
Direct Auto	$179
Allstate	$190
GEICO	$192
Safeco	$193
National General	$205
The General	$207
American Family	$216
Nationwide	$222
Chubb	$240
Farmers	$251
Progressive	$282
Travelers	$294
Liberty Mutual	$310
Bristol West	$340
Dairyland	$344

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Washington

Washington drivers must carry the state’s minimum liability coverage to drive legally. Liability insurance pays for the other party’s property damages and medical expenses if you’re at fault in an accident.^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$10,000 per accident

Car insurance is an essential financial tool to help you protect your assets if you’re involved in a car accident. Consider these additional coverages to stay financially protected on the road:

• 

  Uninsured/underinsured motorist coverage

  If someone else is at fault in an accident but doesn’t have enough coverage, this insurance will cover the gaps. UI/UIM coverage can also pay for hit-and-run accidents. While Washington doesn't require drivers to have uninsured motorist coverage, it does require insurers to offer it to all drivers. You can decline the coverage by signing a waiver.

• 

  Personal injury protection (PIP) coverage

  If you or your passengers sustain injuries in a car accident, this coverage will reimburse you for medical expenses, lost wages, child care expenses, and funeral costs. Washington requires insurance companies to offer all drivers at least $10,000 of PIP coverage, but you can decline it by signing a waiver.

• 

  Gap coverage

  Your insurer will cover the difference between what your car is worth and your car loan outstanding amount if you total your vehicle in an accident.

• 

  Accident forgiveness coverage

  Rates tend to increase after an at-fault accident. But this coverage forgives your first at-fault accident, ensuring your car insurance premiums stay the same. Just keep in mind that not all insurers offer accident forgiveness.

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, at-fault accidents, driving under the influence (DUI), and other moving violations. If you have incidents on your driving record, your auto insurance premiums are likely higher than someone with a clean driving record.

The more severe and frequent the driving incident is, the higher your rates will be. Insurance companies may even refuse to insure you if you have severe or too many traffic violations.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

A speeding ticket may seem like a minor traffic infraction, but it can increase your insurance premium. Depending on your insurer, a ticket can also stay on your driving record for three to five years, resulting in hundreds of dollars in additional payments.

Seattle drivers with speeding tickets see average car insurance rates of $270 for full coverage and $156 for liability-only policies. Here are a few of the cheapest companies for drivers with speeding tickets on their record.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$72	$93
USAA	$73	$96
Allstate	$96	$127
Direct Auto	$96	$123
Progressive	$106	$139
American Family	$109	$144
National General	$110	$140
Nationwide	$112	$148
The General	$118	$160
Chubb	$121	$157
Farmers	$128	$167
GEICO	$129	$172
Safeco	$131	$177
Dairyland	$144	$183
Travelers	$149	$197
Bristol West	$152	$195
Liberty Mutual	$262	$340

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

At-fault accidents can result in thousands of dollars in car repairs, medical costs, legal fees, and increased insurance rates. If you’ve recently caused a car accident, you’re not completely out of luck when looking for an affordable auto policy.

An at-fault accident in Seattle can bump drivers' car insurance rates to $285 for full coverage and $165 for liability only. The following insurers offer the most competitive monthly rates if you’re looking for car insurance in Seattle with an at-fault accident in your driving history.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
State Farm	$72	$97
USAA	$73	$100
Allstate	$96	$131
Direct Auto	$96	$134
Progressive	$106	$147
American Family	$109	$149
National General	$110	$149
Nationwide	$112	$153
The General	$118	$166
Chubb	$121	$164
Farmers	$128	$174
GEICO	$129	$171
Safeco	$131	$188
Dairyland	$144	$194
Travelers	$149	$204
Bristol West	$152	$204
Liberty Mutual	$262	$357

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

DUI convictions can spell major legal and financial repercussions for drivers, including significantly increased insurance rates. Seattle drivers with a DUI will need to obtain an SR-22 certificate or proof that they have the minimum liability coverage in the state of Washington.

Seattle drivers with DUIs on their motor vehicle records face average monthly car insurance rates of $255 for full coverage and $147 for liability only. If you’re a high-risk driver in Seattle, finding a company offering you insurance can be challenging and often expensive. Fortunately, these companies offer affordable monthly car insurance rates to drivers with DUIs.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
State Farm	$72	$97
USAA	$73	$99
Allstate	$96	$130
Direct Auto	$96	$130
Progressive	$106	$131
American Family	$109	$148
National General	$110	$149
Nationwide	$112	$152
The General	$118	$160
Chubb	$121	$164
Farmers	$128	$173
GEICO	$129	$173
Safeco	$131	$192
Dairyland	$144	$195
Travelers	$149	$202
Bristol West	$152	$206
Liberty Mutual	$262	$355

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

While auto insurance premiums typically fall at age 35, you may see a gradual increase in your rates again after 70. Age-related conditions, such as slower reflexes and decreased vision, increase the likelihood of an accident, so insurance companies account for this risk by making rates more expensive for senior drivers.

Still, Seattle seniors pay the lowest average car insurance rates of any age group in the Emerald City. Full coverage averages $177 per month for seniors, and liability averages $102 per month.

Seniors can still find affordable monthly insurance rates with the following companies.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
State Farm	$57	$113
USAA	$59	$119
Direct Auto	$77	$144
Allstate	$78	$155
National General	$86	$161
Nationwide	$86	$170
American Family	$87	$173
Progressive	$91	$243
Chubb	$91	$181
The General	$99	$173
Farmers	$102	$199
GEICO	$103	$153
Safeco	$114	$169
Travelers	$119	$235
Dairyland	$122	$292
Bristol West	$126	$282
Liberty Mutual	$218	$258

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teenagers usually pay some of the highest insurance rates for car insurance. New drivers have the least experience on the road and, therefore, are often more susceptible to more at-fault accidents. So, insurers charge them higher rates to offset the risk.

Young drivers can lower their rates by staying on their parent’s policy, driving a safe car, and taking advantage of student-away-at school and good student discounts. Comparing auto insurance quotes from car insurance companies can also help you save money. Teens younger than 18 won't be able to get their own policy without the written consent of a parent or guardian.

Seattle teen drivers see average monthly insurance rates of $448 for full coverage and $259 for minimum coverage. You can start your search by reviewing monthly quotes from some of the cheapest car insurance companies for teens featured in the table below.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
USAA	$148	$298
State Farm	$152	$302
Direct Auto	$203	$379
Allstate	$207	$410
American Family	$226	$447
The General	$228	$399
Progressive	$230	$613
Nationwide	$239	$474
National General	$242	$451
GEICO	$255	$380
Dairyland	$268	$640
Chubb	$273	$541
Farmers	$277	$542
Safeco	$287	$423
Bristol West	$298	$667
Travelers	$335	$661
Liberty Mutual	$509	$602

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Seattle car insurance quotes by credit tier

Insurance companies in Washington are allowed to consider your credit history when setting your car insurance rates. Drivers with good credit often pay much less than drivers with bad credit. The table below highlights the differences in full-coverage car insurance quotes for drivers of varying credit levels.

Is car insurance more expensive in Seattle?

Drivers in Seattle can expect to pay $163 per month for car insurance, which is higher than the national average of $137 per month. While car insurance is generally more expensive in Seattle than in other parts of Washington state, car insurance rates can fluctuate based on the city you live in.

Factors such as population density, frequency of accidents, crime rates, and severity of natural disasters contribute to increased rates. For instance, drivers in Washington cities with smaller populations — like Kent, Vancouver, and Olympia — may pay lower rates than drivers in Seattle.^[3]

More cities in Washington

As the table below illustrates, drivers in cities outside Seattle tend to see lower insurance rates. For example, drivers in Spokane pay an average of $148 per month for full coverage car insurance, while the same coverage averages $168 in Vancouver. The following table shows how rates differ among cities in Washington.

City	Full Coverage	Liability Only
Federal Way	$250	$138
Kennewick	$141	$79
Spokane	$148	$92
Tacoma	$211	$125
Vancouver	$168	$102

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Seattle car insurance FAQs