Seattle, WA, Car Insurance

On average, full coverage car insurance in Seattle costs $132 per month. Rates can range from a low of $72 to a high of $355, depending on the policy, vehicle type and driver's details. The table below shows average car insurance costs for various driver profiles to help drivers better understand what they might pay.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Seattle, the average cost for full coverage car insurance is $1,575 per year, while state minimum coverage is $817 annually. These rates are higher than Washington's averages, where full coverage is $1,412 and minimum coverage is $725.

While premiums may be rising in the Evergreen State, you can still find affordable car insurance in Seattle. PEMCO offers the cheapest minimum coverage at just $19 per month on average. For those seeking full coverage, PEMCO also provides the best rate at $60 per month on average.

PEMCO often provides the cheapest car insurance, but rates vary by driver. The best way to find affordable coverage is to get quotes from multiple companies. Below is a table with the cheapest average car insurance rates for different driver profiles.

Car insurance costs vary, so Seattle drivers must compare rates for the best deal. Below, we detail the most affordable state minimum and full coverage car insurance.

PEMCO offers the cheapest minimum coverage auto insurance at $19 per month on average. State Farm follows with an average rate of $37 per month. The table below breaks down the cheapest options.

PEMCO offers the cheapest full coverage car insurance in Seattle at $60 per month. Below is a list of other providers and their rates.

To find affordable car insurance in Seattle, we recommend getting quotes from several companies. PEMCO offers the cheapest average rate at $469 annually, while Auto-Owners is the best cheap provider with a MoneyGeek score of 77. Check out the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with average rates of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in Seattle.

The cheapest overall car insurance for teens in Seattle is offered by Capital Insurance Group at $161 per month. This provides a savings of $50 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16- to 19-year-old drivers with good credit and no driving violations for full coverage policies.

PEMCO offers the best monthly rate for minimum coverage at $23 per month and also provides the most affordable full coverage at $76 per month for young drivers in Seattle. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Progressive offers the most affordable auto insurance for young drivers at $76 per month. Other companies like State Farm and American Family also offer competitive rates. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

PEMCO and State Farm offer some of the cheapest car insurance rates, but costs vary based on factors like driving history and credit score. Below is a table showing the most affordable providers for different driver and coverage profiles.

PEMCO offers the cheapest monthly premium for seniors at $42 for both minimum and full coverage. State Farm follows as the second most affordable at $56 per month. The table below shows the top car insurance providers for seniors in Seattle.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

High-risk drivers in Seattle often pay less than the state average. For minimum coverage, Seattle residents pay around $1,151 per year, while full coverage costs about $2,233 per year. Comparatively, the state average is $1,998 annually for minimum coverage and $3,982 annually for full coverage. Those with bad credit and DUIs pay the most, whereas accidents and speeding tickets have a milder impact on rates.

PEMCO offers the cheapest minimum coverage for drivers with a DUI in Seattle at $391 per year. Meanwhile, State Farm provides the most affordable full coverage policy at $1,097 annually. Check out the table below for more low-cost coverage options.

**Rates are for a 40-year-old driver with good credit and a DUI.*

PEMCO, State Farm and Auto-Owners are the three cheapest car insurance providers for drivers with an at-fault accident in Seattle. The table below shows different providers offering affordable coverage options.

**Rates are for a 40-year-old driver with good credit an at-fault accident.*

PEMCO is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $23 monthly and full coverage at $74 monthly on average. Check the table below to see how other providers charge drivers in the Emerald City with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

PEMCO offers the most affordable rates for drivers with bad credit in Seattle, with state minimum coverage at $19 per month and full coverage at $59 per month on average. See the table below for other affordable options.

**Rates are for a 40-year-old driver with bad credit and no driving violations.*

Drivers throughout Washington are required to carry insurance with at least the minimum coverage limits set by statewide mandates. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident

For example, if you're in a fender bender, your minimum coverage will cover up to $10,000 in property damage, but anything beyond that will be your responsibility. Make sure your policy meets these basic requirements to keep you on the right side of the law.

PEMCO offers Seattle's cheapest car insurance, on average, for minimum and full coverage. No matter your age or credit, you'll find providers with plans that won't break the bank. Make sure your policy includes Washington's required coverage for bodily injury and property damage liability. By shopping around, you can secure affordable financial protection.

MoneyGeek offers quick answers to common questions about finding affordable and best car insurance options in Seattle.

Seattle Driver Profile

To assess the best and most affordable auto insurance options for Seattle residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Seattle

In assessing the car insurance quotes for Seattle, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Washington's mandated liability insurance parameters:

The minimum coverage requirements in Washington are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $10,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Seattle providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Seattle
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Seattle. For more details on our process, see MoneyGeek's methodology.