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Cheap Auto Insurance Quotes in Seattle, WA (July 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Seattle, WA
The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Seattle, WA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Seattle is $220 per month, or $2640 annually.
- Car insurance in Seattle is $31 more than the average cost of car insurance in Washington.
- The cheapest car insurance provider in Seattle on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$42
State Farm$104
Nationwide$109
Travelers$146
The General$163
Cheapest Car Insurance in Seattle, WA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Seattle | Quotes |
|---|---|
| Progressive | $42 /mo |
| State Farm | $104 /mo |
| Nationwide | $109 /mo |
| Travelers | $146 /mo |
| The General | $163 /mo |
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Average Car Insurance Cost
| Washington Cities | |
|---|---|
| Spokane | $130/mo |
| Tacoma | $156/mo |
| Vancouver | $109/mo |
| Bellevue | $139/mo |
| Seattle | $113/mo |
| Washington | $129/mo |
Vancouver$109
Seattle$113
Average for WA$129
Spokane$130
Bellevue$139
Tacoma$156
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Washington
All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Washington[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Seattle agents
NRG Insurance
8636 45th Ave. NE,
Seattle, WA 98115Merrill & Merrill
9259 57th Ave S,
Seattle, WA 98118Kibble & Prentice Holding Co USI
601 Union St. Ste. 1000,
Seattle , WA 98101Brown & Brown of WA, Inc
800 5th Ave,
Seattle, WA 98104-3151Peak Insurance LLC
2208 NW Market St,
Ste 507, Seattle, WA 98107Embree Ins. Agency, Inc.
13500 Lake City Way NE #206,
Seattle, WA 98125-3600Ogishima Ins. Agency
2535 Beacon Ave S,
Seattle, WA 98144-5125Hub International NW
200 1st Ave W,
Ste 500, Seattle, WA 98119-4022Adams Insurance
8613 35th Avenue NE,
Seattle, WA 98115-3607Kibble & Prentice
601 Union Street,
Ste 1000, Seattle, WA 98101-4064
FAQs - Seattle, WA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Seattle Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Seattle, Washington below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Seattle drivers measure up to their fellow motorists across Washington in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Seattle
#22
City with the Most Speeding Tickets Rank in Washington
#34
City with the Most Moving Violations Rank in Washington
#15
City with the Most DUIs Rank in Washington
#29
City with the Most Suspended Licenses in Washington
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Seattle drivers rank 16 in the number of car accidents per driver across all cities in Washington.
- Rank within state: #16
- Percent of drivers in Seattle with an accident: 11.54%
- Drivers in Seattle, WA with an accident in their driving history pay on average 26.64% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Seattle drivers rank 22 in the number of speeding infractions per driver.
- Rank within state: #22
- Percent of drivers in Seattle with a speeding ticket: 11.38%
- Drivers in Seattle, WA with a speeding ticket in their driving history pay on average 19.65% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Seattle drivers rank 15 in the number of DUI’s per driver across all cities in Washington.
- Rank within state: #15
- Percent of drivers in Seattle with a DUI: 1.65%
- Drivers in Seattle, WA with a DUI in their driving history pay on average 7.42% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Seattle is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Washington, Seattle drivers rank 13 in rude driving infractions.
- Rank within state: #13
- Percent of drivers in Seattle with a reckless driving violation: 2.61%
- Drivers in Seattle, WA with a reckless driving violation in their driving history pay on average 26.64% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Seattle drivers rank 4 in clean driving records across all cities in Washington.
- Rank within state: #4
- Percent of drivers in Seattle with clean record: 78.38%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Seattle drivers rank 12 in failure to yield violations per driver across all cities in Washington.
- Rank within state: #12
- Percent of drivers in Seattle with a failure to yield violation: 0.56%
- Drivers in Seattle, WA with a failure to yield violation in their driving history pay on average 2100% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Washington, Seattle drivers rank 6 in the number of reckless driving offenses per driver.
- Rank within state: #6
- Percent of drivers in Seattle with a reckless driving offense: 0.22%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Seattle drivers rank 4 in hybrid and electric vehicle ownership across all cities in Washington.
- Rank within state: #4
- Percent of drivers in Seattle with a hybrid/electric vehicle: 4.05%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Washington State Office of the Insurance Commisioner. "State Minimum Car Insurance Requirements." Accessed May 28, 2022