Compare Seattle, WA Car Insurance Rates [2023]
Finding car insurance in Seattle means meeting the minimum coverage for liability in Washington state, which is 50/25/10. You'll pay an average of $130 a month for full coverage,
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- All drivers in Seattle must comply with Washington car insurance minimum requirements
- All drivers in Seattle are required to carry proof of liability insurance in their vehicle
- The top companies offering car insurance provide coverage to residents of Seattle
The city is known for coffee, as Starbucks began as a small coffee stand at Pike Place Market. It is also home to Microsoft founder Bill Gates and the former home of Jimi Hendrix.
The city is currently trying to encourage residents to use public transportation, but personal vehicles remain the top mode of transportation for most of the residents of Seattle and the surrounding area.
With our ZIP code search, you can compare insurance rates for FREE.
Seattle Car Insurance Requirements
According to state minimum car insurance requirements, insurance cards are required to have the following information:
- Full names of all drivers insured on the policy
- Insurance policy identification number
- Policy effective and expiration dates
- Insurance company name
- Year, model, and make of the vehicle insured by the policy
If the driver is asked to provide a valid card with auto insurance information for the vehicle and cannot produce one, they will be required to pay a fine of at least $450 or set a court date to plead their case.
Providing false vehicle insurance information is a misdemeanor in the state of Washington.
Insurance requirements in Seattle include:
- $50,000 or more to cover death or bodily injury for two or more people per accident
- $25,000 or more to cover death or bodily injury per person per accident
- $10,000 or more to cover damage to property belonging to others per accident.
Washington car insurance designed to cover accidents caused by uninsured or underinsured drivers is not required in Seattle, but professionals recommend that all drivers purchase this additional coverage.
Monthly Seattle, WA Car Insurance Rates by ZIP Code
Check out the monthly Seattle, WA auto insurance rates by ZIP Code below:
Seattle, WA Car Insurance Rates by Company vs. City Average
Which Seattle, WA auto insurance company has the cheapest rates? And how do those rates compare against the average Washington auto insurance company rates? We’ve got the answers below.
The Cheapest Seattle, WA Car Insurance Rates by Credit Score
Your credit score will play a major role in your Seattle auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Seattle, WA auto insurance rates by credit score below.
Seattle, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Seattle, WA stack up against other top metro auto insurance rates? We’ve got your answer below.
The Cheapest Seattle, WA Car Insurance Rates by Coverage Level
Your coverage level will play a major role in your Seattle auto insurance rates. Find the cheapest Seattle, WA auto insurance rates by coverage level below:
Average Monthly Car Insurance Rates by Age & Gender in Seattle, WA
These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Washington does use gender, so check out the average monthly auto insurance rates by age and gender in Seattle, WA.
Seattle, WA Car Insurance Rates by Company and Age
Seattle, WA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.
The Cheapest Seattle, WA Car Insurance Rates by Driving Record
Your driving record will play a major role in your Seattle auto insurance rates. For example, other factors aside, a Seattle, WA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Seattle, WA auto insurance rates by driving record.
Factors Affecting Car Insurance Rates in Seattle, WA
Factors affecting auto insurance rates in Seattle, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Seattle, Washington auto insurance.
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What insurance companies are based in Seattle?
Several auto insurance companies are based in Seattle.
These companies include:
- PEMCO
- Grange Insurance
- Seattle Auto Insurance
- Safeco
Some agencies offer low rates to customers who buy several different types of insurance at the same time, so it is important to ask about any discounts you may be eligible for.
Thousands of car insurance agencies that are not based in the Seattle area may also offer low rates and exceptional coverage to Seattle drivers.
Other car insurance agencies that offer car insurance to drivers in the Seattle area include:
- Progressive
- Geico
- Allstate
- USAA
- State Farm
- Travelers Insurance
How much does car insurance cost in Seattle?
The average car insurance premium in Seattle that drivers pay is about $1,608 per year, or just over $130 each month. This rate is based on many factors including driver age, credit rating, accident history, coverage, and more.
Seattle car insurance rates can vary greatly between companies, even for the same drivers and identical vehicle and coverage amounts.
Drivers may opt for minimal insurance coverage to save money, but it is important to remember that Seattle uses a tort system regarding all vehicle accidents.
Authorities decide who was at fault in each accident and the parties that are named responsible are required to cover all damages that occurred as a result of the accident.
The responsible party is required to pay all damages that exceed the limits of their Seattle car insurance policy, so high policy limits are recommended.
Use our FREE search tool below and save money simply by entering your ZIP code.
Frequently Asked Questions
Are there any discounts available for car insurance in Seattle?
Yes, many insurance companies offer various discounts that can help lower your car insurance rates in Seattle. These discounts may include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), good student discounts, and discounts for certain safety features in your vehicle. It’s recommended to inquire with your insurance provider about the available discounts.
Can I get car insurance if I have a poor credit score in Seattle?
Yes, you can still get car insurance in Seattle even if you have a poor credit score. While credit scores can affect your insurance rates in most states, California, Hawaii, and Massachusetts have laws prohibiting the use of credit scores in determining insurance rates. However, in Seattle, your credit score may still be a factor in determining your car insurance premiums.
How can I lower my car insurance rates in Seattle?
There are several ways to potentially lower your car insurance rates in Seattle. Some strategies include maintaining a clean driving record, taking defensive driving courses, bundling your insurance policies with the same company, choosing a higher deductible, and considering the coverage levels you truly need. Additionally, shopping around and comparing quotes from different insurance companies can help you find the best rates.
Does my Seattle car insurance cover rental cars?
The coverage for rental cars can vary depending on your insurance policy. Some car insurance policies in Seattle may offer coverage for rental cars, while others may require you to purchase additional coverage, such as a rental car reimbursement or a separate rental car insurance policy. It’s important to review your policy or contact your insurance provider to understand the extent of rental car coverage provided.
What should I do if I’m involved in a car accident in Seattle?
If you’re involved in a car accident in Seattle, you should prioritize the safety of all parties involved. Contact emergency services if necessary and exchange insurance and contact information with the other driver(s). It’s also important to document the accident scene and gather evidence, such as photos and witness statements. Finally, notify your insurance company as soon as possible to report the accident and initiate the claims process.
Can I insure a leased or financed car in Seattle?
Yes, you can insure a leased or financed car in Seattle. In fact, most leasing and financing agreements require you to carry comprehensive and collision coverage on the vehicle. This helps protect the car’s value and cover potential damages in case of an accident. It’s important to check with your leasing or financing company for any specific insurance requirements they may have.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
