Cheapest Car Insurance In Seattle, WA 2024
For only $37 a month on average, GEICO is Seattle’s best option for low-cost minimum coverage car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Seattle, WA, the quest for cheap car insurance highlights how much rates can fluctuate.
Drivers looking for the cheapest liability-only insurance should consider GEICO, while Progressive provides the best value for full coverage, and State Farm offers competitive rates for younger drivers.
Cheapest Car Insurance Companies In Seattle, WA 2024
Cheapest Liability-only Car Insurance In Seattle: Cincinnati
For drivers in Seattle, GEICO delivers the lowest rates for minimum coverage car insurance, averaging $37 per month.
Check out the table below to compare rates offered by different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Seattle: Auto-Owners
If you’re looking for the cheapest full coverage car insurance in Seattle, Progressive’s rates average $92 per month.
Below is a table that compares the average auto insurance rates from economical insurers in Seattle.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
State Farm provides the lowest rates for senior car insurance in Seattle, with monthly premiums averaging $87.
The following table shows the average quotes from affordable car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Seattle For Teenagers: Nationwide
For teens in Seattle, State Farm offers the cheapest car insurance, averaging $313 per month.
The table below shows the providers offering the lowest insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Seattle: Travelers
State Farm offers the cheapest car insurance for young adults in Seattle, averaging $238 per month.
The table below shows a comparison of the lowest auto insurance premiums for young adults in Seattle.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Seattle For Good Drivers: Cincinnati
GEICO offers the lowest car insurance premiums for good drivers in Seattle, averaging $37 a month.
Good drivers can check the table below to find average quotes from some of the lowest-priced insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Seattle rates
Cheapest Car Insurance In Seattle After A Speeding Ticket: Auto-Owners
For Seattle drivers who have a speeding ticket on their record, State Farm provides the best deal, with an average cost of $176 a month.
See the table below for average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm is the most affordable option for drivers with an at-fault accident, with monthly rates averaging $193.
These insurance companies provide the best rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Seattle For Drivers After A DUI: State Farm
State Farm offers affordable rates for drivers in Seattle following a DUI, averaging $188 a month.
The table below lists the most affordable car insurance providers for Seattle drivers following a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Seattle
If you’re looking for affordable insurance in Seattle, AAA offers the best deal at $83, with Progressive at $90 and GEICO at $93 per month.
The following table lists the top 10 car insurance companies in Seattle, WA ranked by average monthly premiums.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Seattle – By Age
Age is a major factor in how car insurance premiums are calculated, with younger drivers paying more due to a higher chance of accidents or traffic violations. Teenagers typically pay around $7,599 per year for car insurance.
As drivers approach 25, their car insurance premiums often begin to decrease, assuming their driving record is free of violations.
Drivers in their 50s and early 60s typically enjoy the most competitive insurance rates, as their driving history shows they are lower risk.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Seattle – By Vehicle
The car you own can significantly impact your insurance costs. Newer luxury cars, in particular, tend to have higher premiums due to their higher replacement value and advanced features.
The table below shows average insurance costs for different vehicles in Seattle.
| Vehicle | Average Monthly Rate |
| 2013 Ford Fiesta | $68 |
| 2022 Nissan Altima | $160 |
| 2013 Toyota Corolla | $158 |
| 2018 Tesla Model 3 | $137 |
| 2023 Tesla Model 3 | $106 |
Average Cost Of Auto Insurance In Seattle – By Zip Code
Insurers use zip codes to evaluate crime levels in different neighborhoods, which can cause significant differences in car insurance rates.
See the table below for a breakdown of average insurance premiums in Seattle by zip code.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Washington?
Your car insurance rates are influenced by where you live, with urban areas generally seeing higher premiums due to increased risks like accidents and theft.
For instance, car insurance rates in Los Angeles are around $243 per month, while in San Diego, they average $176 a month.
| City | Average Monthly Rate |
| Renton | $96 |
| Bellevue | $118 |
| Puyallup | $111 |
| Bellingham | $76 |
| Olympia | $100 |
| Bremerton | $90 |
| Lynnwood | $98 |
| Everett | $110 |
| Lakewood | $107 |
| Kent | $102 |
Find affordable Seattle rates
Our Methodology
With a thorough examination of factors such as pricing, product choices, customer service, and online reviews, I’ve created a comprehensive guide to car insurance providers in Seattle, WA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Seattle?
GEICO leads in providing the most affordable minimum coverage in Seattle, while Progressive offers the best prices for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Seattle?
In Seattle, the average car insurance premium is around $180 a month, though your individual rate may vary depending on factors like your zip code, car, and driving record.
