Cheap Car Insurance Rates in Seattle, Washington

Cheap Car Insurance Rates in Seattle, Washington

Find Cheap Auto Insurance Quotes in Seattle

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A minimum liability auto insurance policy in Seattle costs an average of $901, or $75 per month, while the average premium for a full coverage policy is $2,086, or $174 per month. Seattle, one of the liveliest and densest cities in the country, has an average car insurance rate that is 23% more expensive than the state average — a $395 difference.

In order to find the cheapest possible rates for your individual background, shop around multiple insurers and compare prices.


Cheapest auto insurer: Mutual of Enumclaw

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Best for customer service: PEMCO

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The cheapest insurer in Seattle offers annual rates for a minimum coverage policy of $692 on average. Comparatively, the most expensive insurer in the city has an average cost of $1,451. This difference in pricing highlights how essential it is to get quotes from multiple companies.

Cheapest car insurance 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.

However, if you are a former or current military member, you’re eligible to receive an insurance policy estimate from USAA, which has the cheapest minimum coverage insurance policy, overall.

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

Find Cheap Auto Insurance Quotes in Seattle

Currently insured?
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The cheapest option for insurance coverage is the minimum liability policy. To put it simply, the minimum liability policy is the lowest amount of coverage a driver must obtain before legally driving in their state.

Drivers who are insured under a minimum liability policy do not possess certain types of protection. Damage caused to your car by natural disasters and crashes will not be financially reimbursed by your insurer if you’re signed under the minimum level of coverage.

We recommend that Seattle drivers opt for higher coverage limits or additional liability protection if their car is less than ten years old or valued at more than $3,000.

RankInsurance companyAverage annual rate
1Progressive$692
2Mutual of Enumclaw$713
3State Farm$734
4GEICO$769
5American Family$1,046
6Farmers$1,390
7Allstate$1,451
N/A*USAA$411
*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with excellent credit

If you’re a driver in Seattle with an excellent credit rating, Progressive, State Farm and GEICO have the cheapest rates for a minimum coverage policy. We also highly recommend that individuals with a military background receive a quote from USAA.

While insurance companies will use multiple factors to determine your auto insurance premium, your credit score is one of the most important, despite its having very little to do with driving history. Insurers believe that drivers with poorer credit scores are more likely to make claims.

RankInsurance companyAverage annual rate
1Progressive$407
2State Farm$408
3GEICO$423
4Mutual of Enumclaw$532
5American Family$792
6Allstate$825
7Farmers$869
N/A*USAA$322
*USAA is only available to current and former military members and their families.

Cheapest full coverage insurance? 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 roughly $1,471 — $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 premium of $1,607.

The cheapest insurer overall, USAA, is only available to eligible military members. Drivers insured under USAA pay an average $1,159 per year, or $97 per month.

RankInsurance companyAverage annual rate
1Mutual of Enumclaw$1,471
2GEICO$1,607
3State Farm$1,710
4Progressive$1,998
5American Family$2,473
6Allstate$2,950
7Farmers$3,321
N/A*USAA$1,159
*USAA is only available to current and former military members and their families.

Drivers with full coverage policies receive additional protections that are not provided by a minimum liability policy. A full coverage policy includes comprehensive and collision coverage in addition to the state minimum insurance requirement.

  • Comprehensive coverage: reimburses damages to your vehicle caused by “acts of God,” or events out of your control. Some examples include natural disasters, theft or fires.
  • Collision coverage: reimburses damages 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.

Cheapest full coverage policy for young people: Mutual of Enumclaw

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

If you or a member of your family has a military background, obtain a quote from USAA because its rates are cheaper than GEICO’s.

RankInsurance companyAverage annual rate
1Mutual of Enumclaw$3,824
2GEICO$4,968
3State Farm$5,190
4Farmers$8,813
5Progressive$10,124
6Allstate$10,487
7American Family$15,547
N/A*USAA$4,393
*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 who are not yet financially stable and have thousands to pay in college costs will struggle to find affordable auto insurance. However, here are a few ways to lower your quote estimate:

  • Teens should ask their parents if they can form a combined auto insurance policy. This is one of the best ways to save money on insurance if you’re a teen driver. Being added to your parents’ insurance plan is half as expensive as purchasing your own individual policy.
  • Check out each insurer’s discount offering. Large insurers typically have a number of discounts available to their drivers. You can receive 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

The Seattle insurers that increased premiums the least following an accident are Mutual of Enumclaw and State Farm.

Current and former military personnel qualify for a quote from USAA, the insurer with the cheapest full coverage policy for drivers with an accident history.

RankCompanyCar insurance quote before accidentCar insurance quote after accidentDifference
1Mutual of Enumclaw$1,471$2,023$552
2State Farm$1,710$2,052$342
3GEICO$1,607$2,330$723
4American Family$2,473$3,749$1,276
5Allstate$2,950$4,257$1,308
6Farmers$3,321$4,392$1,071
7Progressive$1,998$4,693$2,695
N/A*USAA$1,159$1,606$447

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 premiums following an accident. 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:

  • PEMCO
  • Mutual of Enumclaw
  • Liberty Mutual (Ohio Security)
RankCompanyMarket shareComplaint index
1PEMCO4.73%0.29
2Mutual of Enumclaw1.82%0.34
3Liberty Mutual (Ohio Security)1.07%0.64
4Progressive8.51%0.91
5Farmers (Mid-Century)2.04%1.01
6Travelers (Standard Fire)1.15%1.13
7Hartford1.75%1.13
8Farmers3.60%1.25
9American Family2.86%1.36
10GEICO9.35%1.63
11USAA6.42%1.79
12Integon1.48%1.84
13Liberty Mutual (First National)5.49%1.86
14Progressive (United Financial)1.09%1.88
15Allstate7.29%2.01
16Liberty Mutual (Safeco)2.05%2.31
17State Farm14.28%3.21
Market share data was at the insurance group level for Washington state, and complaint indexes listed are for the largest entity by market share within each group.

Dealing with an accident or damage to your car is stressful enough. Having an insurer that is unresponsive, is not available at convenient times or conducts themselves unprofessionally can exacerbate the whole experience. It’s important that you factor in both customer service and premium costs when deciding on insurers.

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, the cheapest area of the city, can expect to pay an average of $830 for minimum policy car insurance. On the other hand, people who live in Seward Park and Rainier Valley pay an average annual insurance cost of $982.

ZIP codeNeighborhoodAverage annual auto insurance rate
98101Downtown$830
98102Eastlake / Cascade$881
98103Woodland Park / Green Lake$887
98104SoDo / Downtown$864
98105University District$902
98106Riverview / Delridge$941
98107Adams / Ballard$882
98109Westlake / Cascade$864
98112Central Area$882
98115Bryant$925
98116North Admiral / West Seattle$905
98117Loyal Heights / Ballard$882
98118Seward Park / Rainier Valley$982
98119Queen Anne$868
98121Belltown$845
98122Minor$889
98125Victory Heights / Lake City$931
98126High Point$932
98131SoDo / Downtown$909
98132SoDo / Downtown$909
98133Shoreline$919
98134Industrial District$912
98136Seaview / West Seattle$911
98144Atlantic / Central Area$949
98154SoDo / Downtown$873
98158SeaTac$941
98161CBD / Downtown$886
98164SoDo / Downtown$881
98174SoDo / Downtown$898
98177Broadview$909
98195University of Washington$901
98199Magnolia$869

Auto theft statistics in Washington

Seattle has the lowest rate of automobile theft out of the four most populated cities in Washington. In 2018, there were approximately 544 cars stolen for every 100,000 individuals.

CityPopulationCar theftsThefts per 100,000
Tacoma215,6871,877870.2
Spokane218,2221,678768.9
Vancouver177,5801,076605.9
Seattle742,7594,042544.2
Motorvehicle theft data was pulled from the FBI 2018 Washington Crime Report.

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 over 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 provide consumers with a personalized customer service experience.

RankInsurersDirect premiums writtenPercent of direct premiums
1State Farm899,74013.61%
2Progressive746,39811.29%
3Liberty Mutual719,48610.88%
4GEICO678,52810.26%
5Allstate579,9838.77%
6Farmers Insurance405,5006.13%
7American Family Insurance266,4324.03%
8Travelers141,8112.14%
9The Hartford130,8341.98%
10Nationwide117,6501.78%
N/A*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 the best for your needs. Bodily injury liability and property damage liability are meant to financially insure 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.

Methodology

In order to conduct our analysis, data was collected and analyzed from eight insurance companies located in Seattle. Our study used a male sample driver who is 30 years old, has no credit history and owns a 2015 Honda Civic EX. Unless explicitly stated, the driver was comparing quotes for a minimum liability policy.

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

Coverage typeStudy 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 & 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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.