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Finding the cheapest car insurance quotes in SEATAC 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 SEATAC
The car insurance rate in SEATAC is $1183 for a six-month policy, which is $266 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $529, making it a popular choice for budget-conscious drivers. Rates in SEATAC 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 $529 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $712 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 $735
for six months, making it
the third cheapest auto insurance company in SEATAC.
SEATAC Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in SEATAC, WA is Kemper, offering policies at just $529 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $712.
At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $3119 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help SEATAC drivers find the best deals.
The auto insurance costs in SEATAC fall around $529 for six
months.
The cheapest auto insurance company in SEATAC is California Casualty.
Teen drivers pay the highest rate in SEATAC at $878 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in SEATAC
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 SEATAC are given below.
California Casualty provides
the cheapest minimum car insurance
coverage in SEATAC. Their Average 6 Month Premium is $276.
Grange is the most
expensive at $276 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 SEATAC is Kemper
at $88 per month and $529
for six months.
Cheapest Full Coverage Car Insurance Quotes in SEATAC,
WA
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 SEATAC, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in SEATAC, 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, SEATAC's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in SEATAC
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
$873
30s
PEMCO
$611
40s
PEMCO
$618
50s
PEMCO
$587
60s
PEMCO
$618
70s
PEMCO
$768
Cheapest Car Insurance Rates for Teen Drivers in
SEATAC,WA
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the SEATAC at $72
per
month. At $5272 for a six-month premium,
Sentry offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in SEATAC.
As young drivers face the highest rates in SEATAC, PEMCO
offers the cheapest auto insurance rates at $873 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 SEATAC,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $299 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
SEATAC is Sentry, offering
rates of around $3119 for six
months.
Save up to $971/yr on car insurance rates in SEATAC.
Car Insurance Rates with An Accident in SEATAC
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 SEATAC, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in SEATAC
The cheapest car insurance companies after an at-fault accident in
SEATAC include AutoOwners Insurance Co
and Encompass, offering $383
and $437,
respectively. Sentry is an expensive provider
with an average six-month premium of
$5418.
Here is a list of driving violations that can increase your car
insurance rates in SEATAC WA. For example, the car
insurance in SEATAC
after a DUI increases to $1050 for a six
month policy. While the rate increases by $299 for a six-month policy in the case of
a speeding ticket.
SEATAC auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1379
$230
One Med/PIP claim
$1379
$235
Not-at-fault accident
$1425
$237
Two Med/PIP claims
$1425
$243
One comp claim
$1433
$239
Two comp claims
$1494
$254
Failure to show documents
$1647
$275
Child safety restraint
$1663
$283
Driving without lights
$1678
$280
Failure to wear a seat belt
$1678
$285
Speeding 11 - 15 MPH over limit
$1678
$280
Speeding 16 - 20 MPH over limit
$1678
$285
Speeding 6 - 10 MPH over limit
$1678
$280
Driving too slowly
$1694
$288
Driving with expired registration
$1694
$283
Cell phone violation
$1702
$289
Failure to yield
$1702
$284
Improper passing
$1702
$289
Texting while driving
$1702
$284
Wrong way/wrong lane
$1702
$289
Failure to stop at a red light
$1709
$285
Following too closely
$1709
$290
Illegal turn
$1709
$285
Speeding in school zone
$1785
$303
Passing school bus
$1793
$299
At-fault accident - less than $1000
$1816
$308
Speeding 21 - 25 MPH over limit
$1816
$303
Open container
$1824
$310
In 65 MPH zone
$1892
$316
At-fault accident - $1000-$2000
$1962
$334
At-fault accident - greater than $2000
$1970
$328
Operating a vehicle without permission
$1984
$338
Refusal to submit to a chemical test
$2375
$396
Reckless driving
$2383
$405
Driving with a suspended license
$2406
$401
DUI
$2429
$413
Racing
$2513
$419
Leaving scene of an accident/hit and run
$2528
$430
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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 SEATAC 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 SEATAC.
The cheapest car insurance premiums in
SEATAC are
offered by Chubb at $437 for a six-month policy.
However, it can be as
expensive as $4107 with companies
like Sentry.
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 SEATAC are offered by Chubb
at $383. However,
it can be as expensive as $5019
with companies like Sentry for a similar
six-month premium.
Cheapest Car Insurance in SEATAC after Speeding ticket
Car insurance rates in SEATAC have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the SEATAC rose by
$252 in January
compared to $195 of December. In other words, there has been an increase by $57 when you
compare January and December.
The average cost of liability insurance in the SEATAC rose to $72 in January,
compared to $66 in December.
This represents an increase of $6
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
SEATAC. 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 SEATAC?
The car insurance in SEATAC is $46 per month, which is lower than the national average.
What is the cheapest car insurance in SEATAC?
The cheapest car insurance in SEATAC
is $88 per month
for full coverage.
How much is car insurance in SEATAC for teenagers?
Car insurance for teenagers costs $422 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
SEATAC?
The average cost of car insurance is $917 for a six-month
policy. It will cost around $199 per month to insure your
car in SEATAC.
Is car insurance expensive in SEATAC?
Car insurance can be expensive in SEATAC if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in SEATAC can be
affordable.
What is the best car insurance in SEATAC,
WA?
The best car insurance company in SEATAC
WA is
Kemper, offering $529 for a
six-month policy.
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SEATAC Car Insurance
