Cheapest Car Insurance Quotes in Seattle

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Seattle Car Insurance

^$ 45

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Seattle

The car insurance rate in Seattle is $1137 for a six-month policy, which is $220 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 Seattle 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.

Avg. Car Insurance in Seattle

$1137

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Seattle

1st place: Kemper

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 Seattle.

Seattle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seattle, 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, Sentry is the most expensive, with rates reaching $2998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seattle drivers find the best deals.

Cheap Car Insurance Companies in Seattle, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$84
Nationwide	$684	$117
Auto-Owners Insurance Co	$707	$118
Chubb	$802	$136
Capital Insurance Group	$817	$136
USAA	$957	$161
Mutual of Enumclaw	$1009	$169
American Family	$1032	$174
State Farm	$1032	$174
Progressive	$1053	$177
PEMCO	$1135	$191
Travelers	$1142	$192
Farmers	$1252	$211
Allstate	$1414	$238
Granwest P&C	$1664	$278
Sentry	$2998	$510

Key Takeaways

Way's key takeaways about car insurance in Seattle

The auto insurance costs in Seattle fall around $508 for six months.
The cheapest auto insurance company in Seattle is California Casualty.
Teen drivers pay the highest rate in Seattle at $844 per month.

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Cheapest Minimum Liability Car Insurance in Seattle

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 Seattle are given below.

California Casualty provides the cheapest minimum car insurance coverage in Seattle. Their Average 6 Month Premium is $265. Grange is the most expensive at $265 for the same period.

Cheapest Liability Coverage in Seattle, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$265	$45
USAA	$265	$45
Granwest P&C	$273	$46
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
Nationwide	$353	$60
PEMCO	$353	$60
Capital Insurance Group	$376	$64
Progressive	$383	$64
American Family	$391	$67
Mutual of Enumclaw	$420	$71
State Farm	$420	$71
Travelers	$428	$72
Farmers	$501	$84
Allstate	$832	$140
Sentry	$862	$146
Encompass	$258	$43
Grange	$265	$45

Cheapest Full Coverage Car Insurance in Seattle

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 Seattle is Kemper at $84 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seattle, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$84
Nationwide	$684	$117
Auto-Owners Insurance Co	$707	$118
Chubb	$802	$136
Capital Insurance Group	$817	$136
USAA	$957	$161
Mutual of Enumclaw	$1009	$169
American Family	$1032	$174
State Farm	$1032	$174
Progressive	$1053	$177
PEMCO	$1135	$191
Travelers	$1142	$192
Farmers	$1252	$211
Allstate	$1414	$238
Granwest P&C	$1664	$278
Sentry	$2998	$510

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Average Car Insurance in Seattle 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 Seattle, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Seattle, 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, Seattle's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Seattle

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 Seattle,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Seattle at $69 per month. At $5068 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$405	$69
Auto-Owners Insurance Co	$420	$69
Chubb	$471	$81
Travelers	$1385	$233
State Farm	$1466	$247
USAA	$1701	$286
Pemco	$2092	$352
Farmers	$2526	$425
Mutual of Enumclaw	$2556	$434
Progressive	$2791	$470
Allstate	$2902	$489
Sentry	$5068	$844

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Seattle.

As young drivers face the highest rates in Seattle, 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 Seattle, 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 Seattle is Sentry, offering rates of around $2998 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
American Family	$391	$67
Nationwide	$405	$67
Kemper	$441	$76
Farmers	$1149	$193
Travelers	$1223	$206
State Farm	$1451	$244
Progressive	$1458	$246
USAA	$1495	$249
Pemco	$1709	$288
Mutual of Enumclaw	$1753	$293
Allstate	$2740	$466
Sentry	$2998	$500

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Save up to $971/yr on car insurance rates in Seattle.

Car Insurance Rates with An Accident in Seattle

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 Seattle, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Seattle

The cheapest car insurance companies after an at-fault accident in Seattle include AutoOwners Insurance Co and Encompass, offering $368 and $420, respectively. Sentry is an expensive provider with an average six-month premium of $5208.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$62
Encompass	$420	$72
Chubb	$434	$73
American Family	$471	$81
Kemper	$611	$102
USAA	$656	$110
Travelers	$957	$161
State Farm	$980	$165
PEMCO	$1068	$180
Capital Insurance Group	$1090	$185
Mutual of Enumclaw	$1363	$227
Progressive	$1451	$244
Farmers	$1546	$260
Allstate	$2526	$425
Sentry	$5208	$868

Seattle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seattle WA. For example, the car insurance in Seattle 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.

Seattle 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 Seattle 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 Seattle.

The cheapest car insurance premiums in Seattle are offered by Chubb at $420 for a six-month policy. However, it can be as expensive as $3948 with companies like Sentry.

Seattle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$420	$72
American Family	$464	$77
Auto-Owners Insurance Co	$531	$91
Travelers	$1009	$170
Progressive	$1017	$171
USAA	$1120	$188
Pemco	$1238	$208
State Farm	$1348	$227
Farmers	$1576	$265
Mutual of Enumclaw	$1761	$294
Grange	$2254	$383
Allstate	$2305	$388
Cal Casualty	$2518	$428
Sentry	$3948	$658

Cheapest car insurance after a speeding ticket

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 Seattle are offered by Chubb at $368. However, it can be as expensive as $4825 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Seattle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$368	$63
Auto-Owners Insurance Co	$383	$63
American Family	$464	$79
State Farm	$862	$145
Travelers	$1053	$177
USAA	$1157	$192
Mutual of Enumclaw	$1230	$210
Pemco	$1282	$216
Progressive	$1311	$221
Farmers	$1443	$243
Allstate	$2217	$377
Sentry	$4825	$804

Car Insurance Price Trends in Seattle, Washington

Car insurance rates in Seattle have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Seattle rose by $242 in January compared to $187 of December. In other words, there has been an increase by $55 when you compare January and December.

The average cost of liability insurance in the Seattle rose to $69 in January, compared to $63 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in Seattle 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 Seattle. At $1159 for a six-month policy, insuring your car at 98107 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
98107	$1159	$194
98106	$1159	$194
98109	$1171	$196
98108	$1159	$194
98103	$1193	$200
98125	$1182	$198
98102	$1159	$194
98146	$1159	$194
98168	$1171	$196
98105	$1193	$200
98104	$1148	$192
98148	$1148	$192
98126	$1159	$194
98121	$1159	$194
98164	$1137	$190
98101	$1148	$192
98188	$1159	$194
98144	$1171	$196
98122	$1182	$198
98166	$1159	$194
98118	$1193	$200
98117	$1171	$196
98119	$1159	$194
98136	$1148	$192
98116	$1159	$194
98115	$1193	$200
98198	$1171	$196
98178	$1159	$194
98134	$1137	$190
98112	$1159	$194
98177	$1159	$194
98133	$1193	$200
98155	$1171	$196
98199	$1159	$194
98195	$1137	$190

Frequently Asked Questions

How much is car insurance in Seattle?

The car insurance in Seattle is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Seattle?

The cheapest car insurance in Seattle is $84 per month for full coverage.

How much is car insurance in Seattle for teenagers?

Car insurance for teenagers costs $405 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 Seattle?

The average cost of car insurance is $917 for a six-month policy. It will cost around $191 per month to insure your car in Seattle.

Is car insurance expensive in Seattle?

Car insurance can be expensive in Seattle if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Seattle can be affordable.

Cheapest Car Insurance Quotes in Seattle

Why you can trust Way?

How Much Is Car Insurance in Seattle

Avg. Car Insurance in Seattle

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Seattle

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Seattle Car Insurance Rates by Company

Cheap Car Insurance Companies in Seattle, WA

Way's key takeaways about car insurance in Seattle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Seattle

Cheapest Liability Coverage in Seattle, WA

Cheapest Full Coverage Car Insurance in Seattle

Cheapest Full Coverage Car Insurance Quotes in Seattle, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Seattle by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Seattle, WA increasing?

Car Insurance Premiums by Age in Seattle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Seattle,WA

If you are in your twenties PEMCO is the best choice for car insurance in Seattle.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Seattle

Cheapest Car Insurance Companies after an At-Fault Accident in Seattle

Seattle Car Insurance Rates by Violation

Seattle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Seattle after a DUI

Seattle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Seattle after Speeding ticket

Car Insurance Price Trends in Seattle, Washington

Average Car Insurance Cost in Seattle by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Seattle, WA

Car Insurance Rates by State in the USA (2025 Update)

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