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Mutual of Enumclaw has the cheapest full-coverage car insurance in Seattle, at $123 per month.

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Best cheap car insurance companies in Seattle

Cheapest car insurance in Seattle, WA: Mutual of Enumclaw

Mutual of Enumclaw is the Seattle insurer with the cheapest full-coverage policy in Washington.

The company's average full-liability policy costs $123 per month, or $1,471 per year — which is $615 less than the city average. Geico is the second-cheapest option for drivers looking for a full-coverage policy and has an average annual rate of $1,607, or $134 per month.

The cheapest insurer overall, USAA, is only available to eligible military members, veterans and their families. Drivers with a full-coverage car insurance policy from USAA pay an average $1,159 per year, or $97 per month.

Cheapest full coverage car insurance in Seattle

Company
Monthly rate
Mutual of Enumclaw logo
Mutual of Enumclaw$123
Geico logo
Geico$134
State Farm logo
State Farm$143
Progressive logo
Progressive$167
American Family logo
American Family$206
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*USAA is only available to current and former military members and their families.

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Cheapest liability insurance quotes in Seattle: Progressive

Progressive and Mutual of Enumclaw have the cheapest minimum insurance policies in Seattle. If you're willing to spend a little extra, State Farm and Geico are two alternatives worth receiving quotes from.

This graph identifies and ranks the three companies in Seattle, WA, with the best rates for insuring our sample driver's car

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Cheapest minimum-coverage car insurance in Seattle, WA

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*USAA is only available to current and former military members and their families.

Cheapest full-coverage policy for young drivers: Mutual of Enumclaw

Young drivers in Seattle can find the lowest insurance rates with Mutual of Enumclaw and Geico.

If you or a family member have a military background, it's a good idea to get a quote from USAA because its rates are cheaper than Geico's.

Cheapest car insurance for young Seattle drivers

Company
Monthly rate
Mutual of Enumclaw$319
Geico$414
State Farm$433
Farmers$734
Progressive$844
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*USAA is only available to current and former military members and their families.

The average cost of a full-coverage policy for a young driver is nearly four times higher than the average price of a full policy for a 30-year-old driver. Teen drivers are classified as high risk because they are statistically more likely to be involved in accidents.

Young people will struggle to find affordable auto insurance. However, there are a few ways to lower your rates:

  • Join your parents' auto insurance policy. This is one of the best ways to save money on insurance if you're a teen driver. Joining your parents' insurance plan is half as expensive as purchasing your own individual policy.
  • Check out each insurer's discount offerings. Large insurers typically have a number of discounts available to their drivers. You can get discounts for being a good student, completing safe-driving courses and having an accident-free record.
  • Research small insurance companies. There are many small insurers located in Seattle. Some may have rates that are even cheaper than larger companies like State Farm or Geico.

Cheapest full-coverage plan for drivers with an accident history: Mutual of Enumclaw

Every insurance company has a different formula for raising rates. In Seattle, Mutual of Enumclaw and State Farm had the lowest rate increases following an accident.

Cheapest Seattle car insurance after an accident

Company
Monthly rate after an accident
Mutual of Enumclaw$169
State Farm$171
Geico$194
American Family$312
Allstate$355
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*USAA is not ranked because only military members (current and former) and their families are eligible.

At-fault accidents almost always increase your annual insurance rate.

However, depending on your insurer, these increases can vary from a few hundred to thousands of dollars. State Farm increased their drivers' insurance rates by an average of $342 after an accident. Meanwhile, Progressive more than doubled their drivers' annual rates. These differences demonstrate the importance of comparing rates from multiple insurance companies.

Best insurance companies for customer service in Seattle

Insurers should not only be evaluated based on the affordability of their policies but also on the quality of their service. The insurance companies with the best customer service, measured by the frequency of customer complaints, were:

  • Mutual of Enumclaw
  • Liberty Mutual (Ohio Security)
Company
Market share
NAIC Complaint Index
Mutual of Enumclaw1.82%0.34
Liberty Mutual (Ohio Security)1.07%0.64
Progressive8.51%0.91
Farmers (Mid-Century)2.04%1.01
Travelers (Standard Fire)1.15%1.13
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The NAIC Complaint Index compares the number of complaints a company has compared to its size. The average score is 1.00, and a lower score is better.

Dealing with an accident or damage to your car is stressful enough. Having an insurer that is unresponsive, unavailable or unprofessional can make the whole experience even worse. So it's a good idea to consider both customer service and costs when choosing an insurer.

Average cost of insurance, by Seattle ZIP code

Your auto insurance rates are affected by the area of Seattle you reside in. Each neighborhood has its own crime rate, accident rate and population density.

Residents of Downtown Seattle pay the lowest amount or a minimum-coverage car insurance policy, at $830 per year. In the most expensive area, Seward Park and Rainier Valley, drivers pay an annual average of $982 for coverage.

ZIP code
Neighborhood
Average annual auto insurance rate
98101Downtown$830
98102Eastlake / Cascade$881
98103Woodland Park / Green Lake$887
98104SoDo / Downtown$864
98105University District$902
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Car insurance companies in Seattle

State Farm, Progressive and Liberty Mutual are the three largest insurance companies in Washington. The five biggest insurance companies account for more than 50% of direct premiums written to drivers in the state.

If you're debating between selecting a small insurer versus a large insurer, there are a few factors to consider. Large companies often have more policy and discount offerings for their drivers compared to small insurers. However, small insurers may provide a more personalized customer service experience.

Insurers
Direct premiums written
Percent of direct premiums
State Farm899,74013.61%
Progressive746,39811.29%
Liberty Mutual719,48610.88%
Geico678,52810.26%
Allstate579,9838.77%
Farmers405,5006.13%
American Family266,4324.03%
Travelers141,8112.14%
The Hartford130,8341.98%
Nationwide117,6501.78%
USAA487,4707.37%

*USAA is only available to current and former military members and their families.

Minimum insurance requirement in Seattle, Washington

Washington requires the following coverage for drivers in the state:

Although fulfilling the minimum insurance requirement is the cheapest option for drivers, it may not be best for your needs. Bodily injury liability and property damage liability are meant to provide coverage for other people and their belongings in accidents. If your car is damaged in a crash, the minimum coverage will not be enough to protect you.

What's the best car insurance coverage in Seattle, WA?

The cheapest option for insurance coverage is the minimum liability policy, which includes the lowest amount of coverage you can legally drive with in the state.

Drivers who are insured under a do not have certain types of protection. The policy won't cover collisions, natural disasters, theft and vandalism.

We recommend choosing full coverage or extra liability protection if your car is less than 10 years old or valued at more than $3,000.

Drivers with full-coverage policies get more protection compared to a minimum-coverage liability policy. A full-coverage policy includes comprehensive and collision coverage in addition to the state minimum insurance requirement.

  • Comprehensive coverage: pays for damage to your vehicle caused by "acts of God," or events out of your control. Some examples include natural disasters, theft and fires.
  • Collision coverage: pays for damage to your vehicle caused by driving into another object. Some examples include crashing into another car, driving into a ditch or hitting a pole.

It's important to note that while full coverage offers different types of protection for drivers, it may not suit your individual needs. Drivers with new or expensive vehicles should consider additional coverage to protect their cars.

Methodology

In order to conduct our analysis, data was collected from eight insurance companies located in Seattle. Our study used a male sample driver who is 30 years old and owns a 2015 Honda Civic EX. Unless explicitly stated, the driver was comparing quotes for a minimum-coverage liability policy.

During instances where our driver searched for full-coverage policy rates, the following limits were implemented:

Coverage type
Study limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection$10,000

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.