Average car insurance cost in Seattle

The average car insurance rate in Seattle for full coverage is $1,910 per year or $159 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Seattle is $556 per year. The state minimum liability limits are 25/50/10.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$955
Average annual premium$1,910
State minimum premium$556

Cheapest car insurance companies in Seattle

GEICO offers the cheapest rates on average at $1,332 per year. PEMCO is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Seattle.

CompanyAverage 6 month rateAverage annual rate
GEICO$666$1,332
PEMCO$770$1,540
Travelers$902$1,805
Nationwide$970$1,940
Farmers$1,069$2,139
Allstate$1,079$2,158
State Farm$1,084$2,169
American Family$1,123$2,245
Progressive$1,413$2,825
USAA$480$959

Cheapest car insurance cost in Seattle by age group

Car insurance rates in Seattle vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Seattle by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: PEMCO
  • Cheapest for young adults: PEMCO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. PEMCO offers the cheapest car insurance for teens at $4,338 per year.

PEMCO offers the most affordable auto insurance for young adults at $2,394 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,383 per year for adult drivers in Seattle.

GEICO offers the least expensive car insurance for senior drivers in Seattle, at $1,332 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$6,033$2,516$1,383$1,332
PEMCO$4,338$2,394$1,701$1,967
Travelers$5,169$2,818$1,829$1,864
Nationwide$7,415$3,234$1,923$1,781
Farmers$6,002$2,728$2,031$2,277
Allstate$8,453$3,219$2,137$2,284
State Farm$5,908$3,590$2,186$2,128
American Family$6,239$2,998$2,253$2,644
Progressive$10,251$4,725$2,823$2,982
USAA$4,890$1,582$969$1,119

Cheapest car insurance companies in Seattle by driver profile

Car insurance rates in Seattle vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Seattle by driver profile.

Cheapest auto insurance after an at-fault accident: GEICO

In Seattle, GEICO offers the cheapest car insurance for drivers with at-fault accident at $2,276 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Seattle.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,138$2,276
State Farm$1,274$2,548
Travelers$1,275$2,550
Allstate$1,551$3,101
Nationwide$1,659$3,317
American Family$1,686$3,371
Farmers$1,882$3,764
Progressive$2,608$5,215
USAA$680$1,360

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,358 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Seattle.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,179$2,358
GEICO$1,180$2,360
Travelers$1,387$2,774
American Family$1,398$2,796
Allstate$1,420$2,839
Progressive$1,756$3,511
Farmers$1,948$3,895
Nationwide$2,117$4,233
USAA$996$1,992

Cheapest for drivers with a speeding ticket: GEICO

GEICO offers the cheapest car insurance at $2,266 in Seattle for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,133$2,266
Farmers$1,171$2,342
State Farm$1,179$2,358
Allstate$1,184$2,368
Travelers$1,322$2,644
American Family$1,398$2,796
Nationwide$1,681$3,362
Progressive$1,881$3,762
USAA$564$1,128

Car insurance discounts for Seattle drivers

The biggest car insurance discount available in Seattle is for the years licensed category at 37.03%, offered by Farmers.

Car insurance is essential for drivers in Seattle, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Seattle drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,5633.22%$83
Air BagsNationwide$1,8443.53%$65
Air BagsPEMCO$1,5001.68%$25
Anti-Theft DeviceGEICO$1,5030.36%$5
Anti-Theft DeviceMutual of Enumclaw$1,8750.64%$12
Anti-Theft DevicePEMCO$1,5000.42%$6
Anti-Theft DeviceProgressive$2,5450.63%$16
Daily CommuteTravelers$2,0021.34%$27
Days Advanced PurchaseAllstate$2,5639.36%$240
Days Advanced PurchaseAmerican Family$2,3857.47%$178
Days Advanced PurchaseFarmers$2,8852.13%$61
Days Advanced PurchaseNationwide$1,8447.09%$131
Days Advanced PurchasePEMCO$1,5004.00%$60
Days Advanced PurchaseProgressive$2,5456.49%$165
Days Advanced PurchaseTravelers$2,0024.64%$93
EducationGEICO$1,5036.32%$95
EducationProgressive$2,5455.07%$129
Electronic Funds TransferAllstate$2,5633.90%$100
Electronic Funds TransferAmerican Family$2,3853.73%$89
Electronic Funds TransferFarmers$2,8853.84%$111
Electronic Funds TransferNationwide$1,8445.40%$100
Electronic Funds TransferProgressive$2,54510.04%$256
Electronic Funds TransferTravelers$2,0022.01%$40
Electronic SignatureProgressive$2,54510.02%$255
HomeownerAllstate$2,5634.85%$124
HomeownerPEMCO$1,5005.00%$75
HomeownerProgressive$2,5452.25%$57
Lower Annual MileageAmerican Family$2,3852.59%$62
Lower Annual MileageGEICO$1,5033.17%$48
Lower Annual MileagePEMCO$1,5001.42%$21
Lower Annual MileageState Farm$1,7799.74%$173
Loyalty - Years Renewal With CompanyAmerican Family$2,3851.82%$43
Loyalty - Years Renewal With CompanyMutual of Enumclaw$1,8753.02%$57
Loyalty - Years Renewal With CompanyProgressive$2,5451.00%$26
Loyalty - Years Renewal With CompanyState Farm$1,77917.97%$320
Marital StatusAllstate$2,5630.71%$18
Marital StatusFarmers$2,8853.32%$96
Marital StatusMutual of Enumclaw$1,8752.25%$42
Marital StatusNationwide$1,84410.15%$187
Marital StatusProgressive$2,5455.48%$139
Multi PolicyAllstate$2,56312.16%$312
Multi PolicyAmerican Family$2,38513.05%$311
Multi PolicyFarmers$2,8854.69%$135
Multi PolicyGEICO$1,5033.94%$59
Multi PolicyMutual of Enumclaw$1,8758.65%$162
Multi PolicyNationwide$1,8444.55%$84
Multi PolicyPEMCO$1,50011.93%$179
Multi PolicyProgressive$2,54510.13%$258
Multi PolicyState Farm$1,77910.22%$182
Multi PolicyTravelers$2,00210.67%$214
Paperless/Electornic DocumentsAmerican Family$2,3852.24%$53
Paperless/Electornic DocumentsProgressive$2,5450.89%$22
Payment TypeAllstate$2,5637.96%$204
Payment TypeAmerican Family$2,3858.94%$213
Payment TypeFarmers$2,8858.93%$258
Payment TypeNationwide$1,84415.43%$285
Payment TypePEMCO$1,5005.00%$75
Payment TypeProgressive$2,54513.60%$346
Payment TypeTravelers$2,00215.00%$300
Primary UseAllstate$2,5635.94%$152
Primary UseMutual of Enumclaw$1,87510.02%$188
Primary UseNationwide$1,84412.33%$227
Primary UseState Farm$1,7799.74%$174
Primary UseTravelers$2,0026.07%$122
Safety DevicesAllstate$2,5635.94%$152
Safety DevicesAmerican Family$2,3852.50%$60
Safety DevicesGEICO$1,5031.57%$24
TelematicsAllstate$2,5632.34%$60
TelematicsNationwide$1,84410.56%$195
Years InsuredAllstate$3,54619.44%$689
Years InsuredGEICO$1,8164.49%$81
Years InsuredProgressive$2,98010.80%$322
Years InsuredTravelers$2,79725.21%$705
Years LicensedAmerican Family$2,70114.08%$380
Years LicensedFarmers$5,98637.03%$2,217
Years LicensedGEICO$2,57627.43%$706
Years LicensedNationwide$2,76126.67%$737
Years LicensedPEMCO$1,84418.65%$344
Years LicensedProgressive$4,02721.91%$883
Years LicensedState Farm$1,9979.56%$191
Years LicensedTravelers$4,64235.82%$1,663

How to get cheap car insurance in Seattle in 2025

Find affordable car insurance in Seattle by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Seattle.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.