Best Cheap Auto Insurance in Seattle, WA (2021)

The average Seattle, WA auto insurance rates are $310 per month. The minimum auto insurance in Seattle is at least 25/50/10 in coverage to comply with Washington auto insurance laws. To find the best cheap auto insurance in Seattle, Washington, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Seattle is USAA
  • Average auto insurance rates in Seattle, WA for senior drivers are $1,964 per year
  • The minimum auto insurance required in Seattle, Washington is 25/50/10

Seattle, Washington auto insurance requirements are 25/50/10 according to Washington auto insurance laws. Finding cheap auto insurance in Seattle can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Seattle, Washington, including driving record, credit, commute time, and more.

Compare auto insurance in Seattle to other Washington cities, including Bellevue auto insurance rates, Spokane auto insurance rates, and Renton auto insurance rates to see how Seattle, Washington auto insurance rates stack up.

Before you buy Seattle, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Seattle, Washington auto insurance quotes.

Minimum Auto Insurance in Seattle, Washington

Seattle, Washington auto insurance laws require that you have at least the Washington minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Seattle, Washington.

Minimum Required Auto Insurance Coverage in Seattle, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Seattle, Washington Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Seattle, Washington are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Seattle, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,503 $2,470 $2,316 $2,434 $9,303 $10,808 $2,658 $2,760
American Family $2,662 $2,662 $2,432 $2,432 $10,252 $13,958 $2,662 $3,552
Farmers $2,785 $2,860 $2,549 $2,899 $6,449 $6,936 $3,517 $3,639
GEICO $1,856 $1,889 $1,739 $1,739 $4,089 $5,329 $3,167 $2,284
Liberty Mutual $2,228 $2,427 $1,983 $2,331 $12,672 $13,918 $2,361 $2,563
Nationwide $1,708 $1,746 $1,587 $1,653 $4,757 $5,775 $2,056 $2,217
Progressive $1,803 $1,683 $1,631 $1,650 $9,260 $10,360 $2,155 $2,138
State Farm $1,941 $1,941 $1,751 $1,751 $5,686 $7,192 $2,211 $2,543
USAA $1,282 $1,262 $1,242 $1,238 $5,726 $6,748 $1,626 $1,781

Cheap Seattle, Washington Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Seattle, Washington is a challenge. Take a look at the annual teen auto insurance rates in Seattle, Washington.

Annual Auto Insurance Rates for Teen Drivers in Seattle, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,303 $10,808
American Family $10,252 $13,958
Farmers $6,449 $6,936
GEICO $4,089 $5,329
Liberty Mutual $12,672 $13,918
Nationwide $4,757 $5,775
Progressive $9,260 $10,360
State Farm $5,686 $7,192
USAA $5,726 $6,748

Cheap Seattle, Washington Auto Insurance for Seniors

What are senior auto insurance rates in Seattle, Washington? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Seattle, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,316 $2,434
American Family $2,432 $2,432
Farmers $2,549 $2,899
GEICO $1,739 $1,739
Liberty Mutual $1,983 $2,331
Nationwide $1,587 $1,653
Progressive $1,631 $1,650
State Farm $1,751 $1,751
USAA $1,242 $1,238

Cheap Seattle, Washington Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Seattle, Washington compared to the annual auto insurance rates with a clean record in Seattle, Washington.

Annual Seattle, Washington Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,674 $4,641 $5,176 $4,136
American Family $4,061 $5,218 $6,037 $4,991
Farmers $3,274 $4,085 $4,387 $4,072
GEICO $2,134 $2,725 $4,054 $2,134
Liberty Mutual $4,311 $5,444 $5,546 $4,941
Nationwide $2,083 $2,829 $3,557 $2,280
Progressive $3,100 $4,883 $3,614 $3,744
State Farm $2,837 $3,417 $3,127 $3,127
USAA $1,914 $2,784 $3,487 $2,266

Cheap Seattle, Washington Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Seattle, Washington is not easy. Compare the annual rates for DUI auto insurance in Seattle, Washington to find the best deal.

Annual Auto Insurance Rates After a DUI in Seattle, Washington

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,176
American Family $6,037
Farmers $4,387
GEICO $4,054
Liberty Mutual $5,546
Nationwide $3,557
Progressive $3,614
State Farm $3,127
USAA $3,487

Cheap Seattle, Washington Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Seattle, Washington annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Seattle, Washington

Insurance Company Poor Fair Good
Allstate $5,442 $4,189 $3,589
American Family $5,992 $4,894 $4,344
Farmers $4,807 $3,654 $3,402
GEICO $3,287 $2,630 $2,368
Liberty Mutual $7,233 $4,457 $3,490
Nationwide $3,211 $2,509 $2,343
Progressive $4,214 $3,772 $3,519
State Farm $4,542 $2,723 $2,115
USAA $3,294 $2,417 $2,128

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Cheap Seattle, Washington Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Seattle, Washington can vary. Compare the annual cost of auto insurance by ZIP code in Seattle, Washington to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Seattle, Washington

ZIP Code Average Annual Rates
98101 $3,597
98102 $3,651
98103 $3,582
98104 $3,724
98105 $3,641
98106 $3,960
98107 $3,577
98108 $4,045
98109 $3,674
98112 $3,656
98115 $3,714
98116 $3,767
98117 $3,579
98118 $4,096
98119 $3,601
98121 $3,628
98122 $3,743
98125 $3,778
98126 $3,953
98131 $3,735
98132 $3,735
98133 $3,753
98134 $3,837
98136 $3,829
98144 $3,959
98146 $3,827
98154 $3,564
98158 $3,909
98161 $3,707
98164 $3,724
98174 $3,748
98177 $3,704
98178 $3,930
98199 $3,597

Cheap Seattle, Washington Auto Insurance Rates By Commute

Commute length and annual mileage affect Seattle, Washington auto insurance. Find the cheapest annual Seattle, Washington auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Seattle, Washington

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,407 $4,407
American Family $4,974 $5,180
Farmers $3,954 $3,954
GEICO $2,726 $2,797
Liberty Mutual $5,060 $5,060
Nationwide $2,687 $2,687
Progressive $3,835 $3,835
State Farm $3,040 $3,213
USAA $2,587 $2,639

Cheap Seattle, Washington Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Seattle, Washington? Check out the comparison of annual Seattle, Washington auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Seattle, Washington

Insurance Company Low Medium High
Allstate $4,161 $4,393 $4,665
American Family $4,789 $5,072 $5,369
Farmers $3,666 $3,956 $4,240
GEICO $2,591 $2,765 $2,929
Liberty Mutual $4,761 $5,073 $5,347
Nationwide $2,537 $2,688 $2,837
Progressive $3,450 $3,731 $4,324
State Farm $2,907 $3,142 $3,332
USAA $2,439 $2,613 $2,787

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Best By Category: Cheapest Auto Insurance in Seattle, Washington

Compare the cheapest auto insurance companies in Seattle, Washington in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Seattle, Washington

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Seattle, Washington Auto Insurance Companies

What auto insurance companies in Seattle, Washington are the cheapest? Compare the top Seattle, Washington auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Seattle, Washington

Insurance Company Average Annual Rates
Allstate $4,407
American Family $5,077
Farmers $3,954
GEICO $2,762
Liberty Mutual $5,060
Nationwide $2,687
Progressive $3,835
State Farm $3,127
USAA $2,613

What affects auto insurance rates in Seattle, Washington?

There are a lot of reasons why auto insurance rates in Seattle, Washington are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Seattle, Washington. Many local factors may affect your Seattle auto insurance rates.

Seattle Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Seattle, Washington auto theft statistics, there have been 4,042 auto thefts in the city.

Seattle Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Seattle, Washington commute length is 27.9 minutes according to City-Data.

Seattle Traffic

How does Seattle, Washington rank for traffic? According to Inrix Seattle, Washington is the 130th most congested worldwide.

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Compare Seattle, Washington Auto Insurance Quotes

Before you buy Seattle, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Seattle, Washington auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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