Compare the Cheapest Car Insurance Quotes in Seattle, WA
best car insurance Seattle
2022
The Cheapest and Best Car Insurance in Seattle
The Cheapest Car Insurance Companies in Seattle
In Seattle, you can find the lowest median rates for full coverage cable car indemnity from the be providers :
- GEICO: $809 per year
- PEMCO: $848 per year
If you are a current or early military extremity, you can opt to purchase cheaper coverage from USAA, which offers the lowest wax coverage rates in the city at $ 655 per year. Metlife is the most expensive insurance company in Seattle and charges $ 1,757 more per class than GEICO for the same coverage. A full coverage car policy policy costs more because it includes comprehensive examination and collision policy with higher indebtedness limits. however, your actual cost may vary based on your coverage needs and profile .
Cheapest Car Insurance in Seattle
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .USAA
$655
- 2 .GEICO
$809
- 3. PEMCO
$848
- 4 .Progressive
$962
- 5 .State Farm
$982
- 6 .Allstate
$1,172
- 7. Allied
$1,202
- 8 .Travelers
$1,267
- 9 .American Family
$1,479
- 10 .Farmers
$1,832
- 11 .MetLife
$2,566
Based on MoneyGeek ‘s methodology, the rates in this study were determined using a sample distribution 40-year-old male driver with a full coverage car policy policy in Seattle. Full coverage car policy is more costly than minimum coverage, although it provides more protection after an at-fault accident. The higher cost is a consequence of the following two extra types of coverage :
- Collision Coverage: This insurance covers the damage to your car after an at-fault accident.
- Comprehensive Coverage: Covers the cost of repairing your damaged car if the cause is not accident-related.
Full coverage indemnity may cost more than the value of your car if you have an older vehicle. consequently, you may decide to purchase cable car indemnity with depleted rates, such as liability-only policy or a policy that merely meets the state ’ s minimum requirements. Loading …
Cheapest Car Insurance in Seattle for Minimum Coverage
If you want to purchase the cheapest car indemnity policy in Seattle, you can get coverage that only meets the department of state minimum requirements. According to MoneyGeek, the cheapest providers of the express minimum car insurance in the city are, on average :
- GEICO: $449 per year
- Progressive: $468 per year
eligible military families can purchase policies from USAA, which costs an average of $ 338 annual. GEICO ’ second average rate is lower than Metlife, the most expensive supplier in Seattle, by $ 1,113 annually. The state minimum car insurance is the cheapest choice available. however, it does not include comprehensive and collision coverage. It besides has lower limits, so you might not have adequate coverage. Check out the table below to compare costs across different liability limits .
Cheapest Minimum Liability Car Insurance in Seattle
state Minimum
- company State Minimum
per year
- 1 .USAA
$338
- 2 .GEICO
$449
- 3 .Progressive
$468
- 4. PEMCO
$494
- 5 .State Farm
$520
- 6. Allied
$732
- 7 .Allstate
$734
- 8 .Travelers
$737
- 9 .American Family
$851
- 10 .Farmers
$1,047
- 11 .MetLife
$1,562
Drivers in Washington need to have cable car insurance with liability limits of 25/50/10. however, policyholders with the minimum coverage will need to pay more out of scoop if an accident occur. For exemplify, if you get involved in an accident and the third-party driver ’ s checkup expenses reach $ 50,000, your minimal car insurance policy will alone cover 50 % of the cost. You will have to pay the rest .
Washington Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 10,000 for property damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Seattle if You Have Driving Violations
Having a traffic irreverence such as a DUI or speeding ticket can greatly impact the cost of your car insurance. Rates vary by violation character. According to MoneyGeek, the cheapest insurers in Seattle on average if you have a irreverence are :
- Cheapest after a ticket: GEICO, $809 per year
- Cheapest after an at-fault accident: PEMCO, $1,149 per year
- Cheapest after a DUI: State Farm, $1,071 per year
While USAA is the cheapest provider across all violations, it is not listed above since its policies are merely available to military families. even if you have a severe rape, your car insurance rates will go down a your record improves. You can find the lowest prices by comparing costs between different insurers .
Cheapest Car Insurance in Seattle With a Violation
Speeding ticket
- party Speeding Ticket
per year
- 1 .USAA
$767
- 2 .GEICO
$809
- 3. PEMCO
$1,049
- 4 .State Farm
$1,071
- 5 .Allstate
$1,291
- 6 .Progressive
$1,367
- 7. Allied
$1,387
- 8 .Travelers
$1,720
- 9 .American Family
$2,124
- 10 .Farmers
$2,408
- 11 .MetLife
$2,649
Average Cost of Car Insurance in Seattle
Seattle
$1,312
Washington
$1,264
U.S.
$1,424
In Seattle, drivers pay an average annual car insurance rate of $ 1,312, which is about 3.8 % more expensive than the average annual premium of $ 1,264 in Washington State. even so, the city ’ south rate is about 7.9 % more low-cost than the national average, which stands at $ 1,424 a year.
Personalized Quotes to Get You the Cheapest Car Insurance in Seattle
There are respective factors that influence cable car policy rates, including your marital status, old age, gender, driving history and credit history. That ’ randomness why it ’ second necessity to get personalize cable car policy quotes in Seattle because your circumstances may be alone to you. regularly getting a quote is besides recommended as you may be eligible for discounts, promos or rebates when your circumstances transfer. Loading …
The Best Car Insurance Companies in Seattle
If you are seeking car policy providers that balance affordability with quality service, MoneyGeek ranked the best insurers in the city to ensure you secure the best policies. From the sketch, the best car policy companies in Seattle for most drivers are :
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA had the highest MoneyGeek score of 100 out of 100. however, it does not rank as the best overall because it ’ randomness limited to military members and their families. MoneyGeek scored the best insurers using several factors, including customer atonement, fiscal stability and affordability .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal Stability
2
Hartford
score :
92.5
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 3
GEICO
score :
85
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Allstate
score :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 5
American Family
score :
80
3/5 Affordability 2/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 6
State Farm
seduce :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 7
Farmers
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
Progressive
score :
80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9
Safeco
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 10
Liberty Mutual
seduce :
77.5
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11
Nationwide
grudge :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
Average Cost of Car Insurance by Postal Code
devour to the ZIP code, localization matters in how car indemnity companies in Seattle calculate their rates. If your ZIP code has high levels of crime, accidents and larceny, then you ’ ll yield more on premiums. Seattle drivers living in ZIP code 98103 pay the cheapest average annual rate at $ 1,250, which is about $ 184 lower than the car insurance rate in ZIP code 98118 .
- Zip Code State Minimum
per year
- 98103
$1,250
- 98115
$1,287
- 98133
$1,291
- 98125
$1,296
- 98118
$1,435
Factors That Impact Insurance Costs in Seattle
In accession to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts besides contribute to car policy rates in Seattle. How Seattle ranks compared to the 300 most populous cities in the United States can have a significant impact on agio costs .
Most Accidents With Fatalities
270th
/ 300
Most cable car Thefts
256th
/ 300
Most uninsured Motorists by State
7th
/ 50
personal Injury Protection Required No
Most annual rain
125th
/ 300
Most showery Days
4th
/ 300
Methodology and Assumptions
MoneyGeek ’ south average agio rates for Seattle are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their commemorate. Additional premiums are added based on coverage character, location and drive record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the generator
Mark Fitzpatrick is a elder content director with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the insurance market and creating master research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a victor of Arts .