Cheapest Car Insurance Quotes in Seattle

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401,895 Policies Sold

Seattle Car Insurance

^$ 40

/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 $957 for a six-month policy, which is $185 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

$957

Avg. Car Insurance in Washington

$772

National Average

$1140

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, Granwest P&C is the most expensive, with rates reaching $1664 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
State Farm	$854	$144
USAA	$884	$149
Progressive	$950	$160
PEMCO	$972	$164
American Family	$1002	$169
Travelers	$1083	$182
Farmers	$1149	$193
Allstate	$1340	$226
Granwest P&C	$1664	$283

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 USAA.
Teen drivers pay the highest rate in Seattle at $427 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 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.

USAA provides the cheapest minimum car insurance coverage in Seattle. Their Average 6 Month Premium is $236. 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
USAA	$236	$40
California Casualty	$265	$45
Granwest P&C	$273	$46
PEMCO	$280	$47
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
Travelers	$346	$58
Nationwide	$353	$60
Capital Insurance Group	$376	$62
State Farm	$376	$63
Progressive	$391	$66
American Family	$441	$74
Mutual of Enumclaw	$449	$74
Farmers	$471	$79
Allstate	$796	$134
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
State Farm	$854	$144
USAA	$884	$149
Progressive	$950	$160
PEMCO	$972	$164
American Family	$1002	$169
Travelers	$1083	$182
Farmers	$1149	$193
Allstate	$1340	$226
Granwest P&C	$1664	$283

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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, Travelers provides the cheapest car insurance in the Seattle at $69 per month. At $2533 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$413	$69
Auto-Owners Insurance Co	$420	$72
Chubb	$471	$78
State Farm	$957	$161
American Family	$1260	$212
Progressive	$1443	$243
USAA	$1518	$255
Pemco	$1546	$260
Farmers	$2195	$370
Allstate	$2533	$427

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 Allstate, offering rates of around $2387 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$288	$48
Chubb	$339	$57
Travelers	$346	$58
Nationwide	$405	$67
Kemper	$441	$76
American Family	$671	$113
Progressive	$781	$131
State Farm	$906	$153
Farmers	$1002	$169
Pemco	$1157	$195
USAA	$1193	$203
Allstate	$2387	$398

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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. Allstate is an expensive provider with an average six-month premium of $2269.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$62
Encompass	$420	$72
Chubb	$434	$73
Travelers	$523	$88
USAA	$559	$94
Kemper	$611	$104
State Farm	$825	$139
PEMCO	$906	$153
American Family	$987	$166
Capital Insurance Group	$1090	$185
Progressive	$1303	$219
Farmers	$1407	$237
Allstate	$2269	$382

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 $2518 with companies like Cal Casualty.

Seattle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$420	$72
Auto-Owners Insurance Co	$531	$88
Travelers	$574	$97
American Family	$825	$139
Progressive	$914	$154
Pemco	$928	$156
USAA	$1017	$171
State Farm	$1068	$180
Farmers	$1458	$246
Allstate	$2150	$362
Grange	$2254	$383
Cal Casualty	$2518	$420

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 $1658 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Seattle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$368	$62
Auto-Owners Insurance Co	$383	$66
Travelers	$471	$78
State Farm	$574	$97
American Family	$825	$139
USAA	$899	$153
Pemco	$906	$153
Progressive	$1075	$181
Farmers	$1252	$211
Allstate	$1658	$281

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 remained steady at $187 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Seattle remained steady at $63 in both December and November, indicating no change over the two month period.

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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 $976 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	$976	$164
98106	$976	$164
98109	$985	$166
98108	$976	$164
98103	$1005	$169
98125	$995	$167
98102	$976	$164
98146	$976	$164
98168	$985	$166
98105	$1005	$169
98104	$966	$162
98148	$966	$162
98126	$976	$164
98121	$976	$164
98164	$957	$161
98101	$966	$162
98188	$976	$164
98144	$985	$166
98122	$995	$167
98166	$976	$164
98118	$1005	$169
98117	$985	$166
98119	$976	$164
98136	$966	$162
98116	$976	$164
98115	$1005	$169
98198	$985	$166
98178	$976	$164
98134	$957	$161
98112	$976	$164
98177	$976	$164
98133	$1005	$169
98155	$985	$166
98199	$976	$164
98195	$957	$161

Frequently Asked Questions

How much is car insurance in Seattle?

The car insurance in Seattle is $40 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 $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 Seattle?

The average cost of car insurance is $772 for a six-month policy. It will cost around $161 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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