Best Cheap Auto Insurance in Seattle, Washington (2024)

State Farm offers the cheapest car insurance in Seattle, with minimum-coverage policies that start at $71 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated March 26, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

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Cheapest recent rates in Washington

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $51/mo for full coverage in Washington.

*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Home to stunning landscapes, storied professional sports teams, major tech companies, and a thriving coffee culture, Seattle has a little something for everyone. The tradeoff for people in this bustling city is relatively high car insurance rates. The average cost of car insurance in Seattle is $256 per month for full coverage, compared to Washington state’s average rate of $196, 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.

Quick Facts
  • Seattle had 740 fatal crashes in 2022, the most recent year for which the Washington Traffic Safety Commission has data.

  • Drivers with an at-fault accident pay, on average, $379 per month for full-coverage car insurance, compared to $256 for drivers with clean records.

  • Seattle's average car insurance rates are higher than the national averages of $212 for full coverage and $103 for liability-only policies.

Best 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, bringing decades of industry experience and affordable rates.

Best insurer for cheap rates: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
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++
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.
$147/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.
$306/mo

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

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-term customer with minor rate reduction

The premium is too much for what I need.

Abbas Ali - March 12, 2024
Verified

Hiding the Facts

They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
Read our Travelers review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863
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.
$152/mo

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

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839
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.
$71/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.
$149/mo

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

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review
The 10 Best Car Insurance Companies (March 2024)

The 10 Best Car Insurance Companies (March 2024)

Cheapest liability-only car insurance in Seattle

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 $111 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
State Farm71
USAA73
GEICO87
Allstate95
Safeco95
Direct Auto97
Midvale Home & Auto101
National General103
American Family108
Nationwide110
The General118
Chubb119
Farmers126
Travelers147
Foremost154
Dairyland160
Bristol West174
Liberty Mutual182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 $256 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
Direct Auto109
National General141
Safeco144
State Farm149
USAA152
Midvale Home & Auto166
GEICO183
Liberty Mutual196
Allstate197
Nationwide204
The General208
American Family225
Chubb250
Farmers262
Travelers306
Dairyland349
Bristol West363
Foremost422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[1]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

Find Cheap Car Insurance in Seattle

Minimum coverage policies start as low as $71/mo.

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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket

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 $372 for full coverage and $161 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Direct Auto146130
National General184134
State Farm19191
USAA19795
Safeco205135
GEICO238113
Allstate255123
Nationwide267144
Liberty Mutual274254
The General279158
American Family297142
Chubb330157
Farmers341164
Travelers404194
Dairyland468215
Bristol West480230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 $379 for full coverage and $164 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Direct Auto153136
National General194142
State Farm19995
USAA20699
Safeco214141
GEICO248118
Allstate266129
Nationwide278150
Liberty Mutual285265
The General291165
American Family307147
Chubb341162
Farmers355170
Travelers419201
Dairyland483221
Bristol West491235
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 $430 for full coverage and $186 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Direct Auto176157
National General228166
Safeco232153
State Farm241115
USAA245118
GEICO295140
Liberty Mutual316294
Allstate318153
Nationwide329178
The General336191
American Family363174
Chubb404192
Farmers423203
Travelers494237
Dairyland563258
Bristol West586281
Foremost681249
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 $181 per month for seniors, and liability averages $79.

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

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Direct Auto8374
State Farm10349
USAA11555
National General11987
Safeco12079
GEICO13564
Nationwide14176
Allstate14771
Liberty Mutual147136
American Family15976
Chubb17181
The General17298
Farmers18991
Travelers230110
Dairyland278127
Bristol West281135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 parents’ 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 $445 for full coverage and $193 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: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Direct Auto197175
USAA248119
State Farm252120
Safeco255168
National General266194
GEICO284135
Liberty Mutual328304
The General328186
Allstate341165
Nationwide344186
American Family378182
Farmers451217
Chubb455217
Travelers545262
Dairyland559256
Bristol West596286
Foremost747273
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

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.[2]

Find Cheap Car Insurance in Seattle

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Seattle?

Drivers in Seattle can expect to pay $248 per month for car insurance, which is higher than the national average of $212 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 $158 per month for full coverage car insurance, while the same coverage averages $200 in Vancouver. The following table shows how rates differ among cities in Washington.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Seattle$256$111
Federal Way$272$125
Kennewick$179$69
Spokane$158$81
Tacoma$236$111
Vancouver$200$83
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Seattle car insurance FAQs

Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Seattle.

  • How much is car insurance in Seattle?

    Car insurance in Seattle costs $256 per month for full-coverage insurance and $111 per month for liability coverage. Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • Which companies offer the cheapest car insurance in Seattle?

    State Farm has the lowest car insurance rates in Seattle; liability policies start at $71 per month. Seattle drivers can also find affordable car insurance from USAA and GEICO, the city's second- and third-cheapest insurers, with liability rates as low as $73 and $87, respectively.

  • What are the best car insurance companies in Seattle?

    With an Insurify Quality (IQ) Score of 4.2 out of 5 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in Seattle. Of the companies Insurify has rate data for, other top Seattle auto insurers include USAA and State Farm.

  • Is Washington a no-fault state?

    No. Washington is a fault state, meaning that the driver at fault is responsible for paying the injured party’s expenses.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Office of the Insurance Commissioner - Washington State. "Washington state's mandatory auto/motorcycle insurance law." Accessed July 19, 2023
  2. Insurance Information Institute. "How to find the right auto insurance." Accessed July 19, 2023
  3. World Population Review. "Washington Cities by Population (2023)." Accessed July 19, 2023
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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