Cheapest car insurance companies in Seattle 

Geico and PEMCO have the cheapest car insurance premiums for Seattle drivers in 2023, based on a data study by Insurance.com. 

Geico is the cheapest option for most Seattle drivers, with an average annual rate of $1,332

In Seattle, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
USAA$959
Geico$1,332
PEMCO$1,540
Travelers$1,805
Nationwide$1,940
Farmers$2,139
Allstate$2,158
State Farm$2,169
American Family$2,245
Progressive$2,825

Cheapest car insurance cost in Seattle by Age Group 

PEMCO offers the cheapest full coverage car insurance for teenage drivers in Seattle, with an average annual cost of $4,338 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Seattle at about $1,582 per year

For Seattle drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $969 annually

USAA is the cheapest option for senior drivers in Seattle, with an average premium of $1,119 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

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

Cheapest car insurance companies in Seattle by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Seattle. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

To find the cheapest car insurance company in Seattle, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Here's a list of car insurance companies that offer cheap insurance rates in Seattle based on driver profile. 

USAA has the cheapest rates for Seattle drivers with poor credit looking for affordable auto insurance. At an annual cost of $939, USAA offers substantial savings among the insurers analyzed.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
USAA$939
Geico$1,210
Nationwide$1,334
State Farm$1,480
Progressive$1,497
Travelers$1,509
Farmers$1,756
Allstate$2,049

Based on recent data analysis, 30-year-old drivers in Seattle with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,150.

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
USAA$1,150
State Farm$1,620
Nationwide$1,893
Progressive$2,096
Geico$2,115
Travelers$2,249
Farmers$2,258
Allstate$2,282

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Seattle with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $1,482 annually.

CompanyAverage annual rates
USAA$1,482
State Farm$1,761
Nationwide$2,173
Travelers$2,286
Geico$2,456
Farmers$2,622
Allstate$3,178
Progressive$3,802

In Seattle, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,620 a year

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$1,620
USAA$2,105
Geico$2,376
Progressive$2,513
Farmers$2,668
Travelers$2,867
Nationwide$3,013
Allstate$3,187

Average car insurance cost in Seattle 

Full coverage car insurance in Seattle for a coverage limit of 100/300/100 is $1,910 per year or $159 per month, while the state minimum coverage costs an average of $556 a year.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$1,910$556

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.