Average car insurance cost in Seattle, WA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Based on an analysis by Insure.com, the typical car insurance expense in Seattle, Washington is $1,910 annually. Furthermore, car insurance premiums in Seattle are $302 more than compared to the state average in Washington and $15 more than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Seattle, the average car insurance rates by age and gender, and the costs in Seattle based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Seattle. Keep reading to learn more.

Cheap car insurance companies in Seattle

Geico offers the most affordable car insurance in Seattle for coverage limits of 100/300/100 at $1,332 per year.

The PEMCO comes close second offering car insurance at $1,540 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Seattle that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Seattle, Washington:

Read about the best car insurance companies.

Average car insurance cost in Seattle by coverage limits

In Seattle, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $556 per year (limits are 25/50/25)
• Liability only coverage: $914 per year (limits are 50/100/50)
• Full coverage: $1,910 per year (limits are 100/300/100)
• Non-owners coverage: $434 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Seattle

Based on an analysis by Insure.com, female drivers in Seattle, Washington pay an average annual car insurance premium of $1,945. In comparison, male drivers pay $1,874 annually, which is $71 less than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Seattle

In Seattle, teenagers have the highest car insurance rates, at $6,453 per year or $538 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $2,966 annually for car insurance, which is $3,487 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Seattle have car insurance rates of $1,923 and $2,024 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Seattle

Examining the trends in car insurance rates in Seattle, Washington, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 16% or $267.

The table below illustrates the trend over the three years:

Conclusion

In conclusion, the insurance rates in Seattle, are higher than the average insurance cost in Washington. Shopping around and taking advantage of available discounts, drivers in Seattle can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.