Cheapest Car Insurance In Seattle, WA 2024
PEMCO is the most affordable option in Seattle, with an average rate of $35 per month
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most affordable car insurance in Seattle, WA, the prices can differ significantly.
If you’re looking for the lowest rates for liability-only coverage, PEMCO is the top choice. For those who need full coverage, PEMCO also provides the best rates. However, for young drivers, Infinity Special offers the most budget-friendly options.
Cheapest Car Insurance Companies In Seattle, WA 2024
Cheapest Minimum Coverage Car Insurance In Seattle: PEMCO
In Seattle, PEMCO offers the most affordable car insurance for minimum coverage, averaging $35 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| PEMCO | $35 | $420 |
| State Farm | $46 | $552 |
| Capital Insurance Group | $37 | $444 |
| Chubb | $50 | $600 |
| GEICO | $39 | $468 |
Having this minimum coverage offers some protection while driving, but it does not include collision or comprehensive insurance. This means that any damage to your own vehicle from accidents, theft, or natural disasters will not be covered.
Cheapest Car Insurance In Seattle For Seniors: USAA
USAA offers the lowest car insurance rates for seniors in Seattle, with average quotes of $63 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $63 | $756 |
| State Farm | $79 | $948 |
| Capital Insurance Group | $76 | $912 |
| Liberty Mutual | $98 | $1,176 |
| PEMCO | $70 | $840 |
In Washington, many seniors can secure favorable car insurance rates, influenced by various beneficial factors. Although age is generally considered in determining insurance rates, with older age sometimes linked to decreased driving ability, this stereotype does not apply to everyone.
Cheapest Full Coverage Car Insurance In Seattle: PEMCO
PEMCO offers the most affordable car insurance rates for full coverage in Seattle, with quotes averaging $61 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| PEMCO | $61 | $732 |
| Kemper | $72 | $864 |
| Capital Insurance Group | $68 | $816 |
| State Farm | $74 | $888 |
| GEICO | $71 | $852 |
Full coverage car insurance offers extensive protection beyond the basic coverage required by law. This type of insurance generally combines comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters. Collision coverage provides financial protection for damages to your vehicle caused by accidents, regardless of who is at fault.
Cheapest Car Insurance In Seattle For Young Adults: USAA
USAA provides the most affordable quotes for young adults in Seattle, with rates averaging around $92 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $92 | $1,104 |
| State Farm | $125 | $1,500 |
| Capital Insurance Group | $113 | $1,356 |
| New York Central Mutual Fire | $144 | $1,728 |
| PEMCO | $112 | $1,344 |
In Washington, young adult drivers often enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less inclined to file claims with insurance companies, indicating a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Auto Insurance Rates In Seattle For Teenagers: Infinity Special
Teenage drivers in Seattle can get the cheapest quotes from Infinity Special, with average monthly premiums of $46.
| Provider | Average Monthly Cost | Average Annual Cost |
| Infinity Special | $46 | $552 |
| Mercury Insurance Company | $136 | $1,632 |
| Dairyland Auto | $71 | $852 |
| Mercury | $142 | $1,704 |
| Esurance | $114 | $1,368 |
Teenage drivers typically encounter the highest car insurance premiums, mainly because of their lack of experience on the road. Insurance providers view these young drivers as a high-risk group because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.
Cheapest Car Insurance Companies In Seattle For Drivers With Prior Incidents
In Seattle, drivers with records of traffic violations, such as accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions cause insurance companies to classify them as high-risk, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest Car Insurance In Seattle After A Speeding Ticket: PEMCO
PEMCO offers notably affordable rates compared to other companies, with average monthly rates of $68.
| Provider | Average Monthly Cost | Average Annual Cost |
| PEMCO | $68 | $816 |
| Capital Insurance Group | $93 | $1,116 |
| State Farm | $89 | $1,068 |
| GEICO | $83 | $996 |
| Kemper | $82 | $984 |
Cheapest Car Insurance In Seattle After At-Fault Accident: PEMCO
PEMCO provides the most inexpensive car insurance quotes for drivers with an at-fault incident, with an average rate of $67 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| PEMCO | $67 | $804 |
| State Farm | $99 | $1,188 |
| Capital Insurance Group | $88 | $1,056 |
| GEICO | $102 | $1,224 |
| Kemper | $93 | $1,116 |
Cheapest Car Insurance In Seattle For Drivers After A DUI: State Farm
State Farm offers the most affordable rates for drivers after a DUI, with Seattle drivers having average monthly premiums of $90.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $1,080 |
| GEICO | $125 | $1,500 |
| PEMCO | $81 | $972 |
| Capital Insurance Group | $123 | $1,476 |
| American Family | $119 | $1,428 |
Best Car Insurance Companies In Seattle
For drivers in Seattle, selecting the appropriate car insurance company involves finding affordable rates while ensuring reliable protection on the road. Below are the top 10 car insurance companies in Seattle, WA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Direct General | $56 |
| Allied | $139 |
| Chubb | $136 |
| Infinity Special | $47 |
| Mercury Insurance Company | $126 |
| USAA | $88 |
| Esurance | $115 |
| PEMCO | $87 |
| State Farm | $107 |
| Capital Insurance Group | $92 |
Average Cost Of Car Insurance In Seattle – By Vehicle
| Vehicle | Average Monthly Rate |
| 2013 Ford Fiesta | $68 |
| 2022 Nissan Altima | $160 |
| 2013 Toyota Corolla | $158 |
| 2018 Tesla Model 3 | $137 |
| 2023 Tesla Model 3 | $106 |
The type of vehicle you own significantly affects your car insurance expenses. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
On the other hand, older cars or those less expensive to repair or replace may result in lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims. For example, repairs for a high-end car are typically more expensive than for a standard vehicle.
Additionally, certain car models recognized for safety may qualify for lower insurance rates due to a decreased risk of accidents and injuries.
Average Cost Of Car Insurance In Seattle – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,328 |
| 20s | $1,740 |
| 30s | $1,092 |
| 40s | $1,020 |
| 50s | $1,044 |
| 60s | $1,008 |
| 70s | $1,236 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers approach the age of 25, their rates usually begin to decline, provided they maintain a clean driving record.
The most favorable insurance rates are often observed for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby impacting the cost of premiums accordingly.
How Much Is Car Insurance In Other Cities in Washington?
| City | Average Monthly Rate |
| Renton | $96 |
| Bellevue | $118 |
| Puyallup | $111 |
| Bellingham | $76 |
| Olympia | $100 |
| Bremerton | $90 |
| Lynnwood | $98 |
| Everett | $110 |
| Lakewood | $107 |
| Kent | $102 |
The city where you live greatly influences your car insurance rates. Insurance companies evaluate various factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.
Average Cost Of Auto Insurance In Seattle – By Zip Code
| City | Average Monthly Rate |
| 98103 | $110 |
| 98105 | $118 |
| 98107 | $96 |
| 98003 | $70 |
| 98116 | $104 |
Our Methodology
Utilizing a thorough analysis that considers various aspects such as customer service ratings, product options, pricing, and a detailed assessment of numerous online review sites and user experiences, I have developed a comprehensive understanding of the car insurance providers in Seattle, WA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Seattle?
PEMCO offers the lowest car insurance rates in Seattle for both the minimum coverage required by the State of Washington and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Seattle?
The average cost of car insurance in Seattle is approximately $100 per month. However, rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other individual factors.
