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Finding the cheapest car insurance quotes in Seahurst shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Seahurst
The car insurance rate in Seahurst is $952 for a six-month policy, which is $184 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Seahurst can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $508 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $684 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto insurance
rates at $707
for six months, making it
the third cheapest auto insurance company in Seahurst.
Seahurst Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Seahurst, WA is Kemper, offering policies at just $508 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $684.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seahurst drivers find the best deals.
Way's key takeaways about car insurance in Seahurst
The auto insurance costs in Seahurst fall around $508 for six
months.
The cheapest auto insurance company in Seahurst is USAA.
Teen drivers pay the highest rate in Seahurst at $154 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Seahurst
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Seahurst are given below.
USAA provides
the cheapest minimum car insurance
coverage in Seahurst. Their Average 6 Month Premium is $236.
California Causality is the most
expensive at $295 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Seahurst is Kemper
at $84 per month and $508
for six months.
Cheapest Full Coverage Car Insurance Quotes in Seahurst,
WA
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Average Car Insurance in Seahurst by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Seahurst, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Seahurst, Washington, may be increasing due to several external factors.
Washington has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Seahurst's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Seahurst
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
PEMCO
$839
30s
PEMCO
$588
40s
PEMCO
$594
50s
PEMCO
$564
60s
PEMCO
$594
70s
PEMCO
$738
Cheapest Car Insurance Rates for Teen Drivers in
Seahurst,WA
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Seahurst at $69
per
month. At $906 for a six-month premium,
California Causality offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Seahurst.
As young drivers face the highest rates in Seahurst, PEMCO
offers the cheapest auto insurance rates at $839 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Seahurst,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $288 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Seahurst is California Causality, offering
rates of around $677 for six
months.
Save up to $971/yr on car insurance rates in Seahurst.
Car Insurance Rates with An Accident in Seahurst
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Seahurst, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Seahurst
The cheapest car insurance companies after an at-fault accident in
Seahurst include AutoOwners Insurance Co
and Encompass, offering $368
and $420,
respectively. California Causality is an expensive provider
with an average six-month premium of
$508.
Here is a list of driving violations that can increase your car
insurance rates in Seahurst WA. For example, the car
insurance in Seahurst
after a DUI increases to $1009 for a six
month policy. While the rate increases by $287 for a six-month policy in the case of
a speeding ticket.
Seahurst auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1326
$221
One Med/PIP claim
$1326
$226
Not-at-fault accident
$1370
$228
Two Med/PIP claims
$1370
$233
One comp claim
$1378
$229
Two comp claims
$1436
$244
Failure to show documents
$1583
$264
Child safety restraint
$1598
$272
Driving without lights
$1613
$269
Failure to wear a seat belt
$1613
$274
Speeding 11 - 15 MPH over limit
$1613
$269
Speeding 16 - 20 MPH over limit
$1613
$274
Speeding 6 - 10 MPH over limit
$1613
$269
Driving too slowly
$1628
$277
Driving with expired registration
$1628
$272
Cell phone violation
$1636
$278
Failure to yield
$1636
$273
Improper passing
$1636
$278
Texting while driving
$1636
$273
Wrong way/wrong lane
$1636
$278
Failure to stop at a red light
$1643
$274
Following too closely
$1643
$279
Illegal turn
$1643
$274
Speeding in school zone
$1716
$291
Passing school bus
$1724
$288
At-fault accident - less than $1000
$1746
$296
Speeding 21 - 25 MPH over limit
$1746
$291
Open container
$1753
$298
In 65 MPH zone
$1819
$304
At-fault accident - $1000-$2000
$1886
$321
At-fault accident - greater than $2000
$1893
$315
Operating a vehicle without permission
$1907
$325
Refusal to submit to a chemical test
$2283
$381
Reckless driving
$2290
$389
Driving with a suspended license
$2313
$386
DUI
$2335
$397
Racing
$2416
$403
Leaving scene of an accident/hit and run
$2430
$413
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Seahurst after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Seahurst.
The cheapest car insurance premiums in
Seahurst are
offered by Chubb at $420 for a six-month policy.
However, it can be as
expensive as $449 with companies
like National General.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Seahurst are offered by Chubb
at $368. However,
it can be as expensive as $413
with companies like California Causality for a similar
six-month premium.
Cheapest Car Insurance in Seahurst after Speeding ticket
Car Insurance Price Trends in Seahurst,
Washington
Car insurance rates in Seahurst have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Seahurst rose by
$187 in December
compared to $184 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Seahurst rose to $63 in December,
compared to $62 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Seahurst by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Seahurst. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Seahurst?
The car insurance in Seahurst is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Seahurst?
The cheapest car insurance in Seahurst
is $84 per month
for full coverage.
How much is car insurance in Seahurst for teenagers?
Car insurance for teenagers costs $413 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Seahurst?
The average cost of car insurance is $768 for a six-month
policy. It will cost around $160 per month to insure your
car in Seahurst.
Is car insurance expensive in Seahurst?
Car insurance can be expensive in Seahurst if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Seahurst can be
affordable.
What is the best car insurance in Seahurst,
WA?
The best car insurance company in Seahurst
WA is
Kemper, offering $508 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Seahurst, WA
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Seahurst Car Insurance
