Cheapest Car Insurance In Seattle, WA 2025
For only $37 a month on average, Auto-Owners is Seattle’s best option for low-cost minimum coverage car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Seattle, WA, the quest for cheap car insurance highlights how much rates can fluctuate.
Drivers looking for the cheapest liability-only insurance should consider Auto-Owners, while Nationwide provides the best value for full coverage, and Progressive offers competitive rates for younger drivers.
Cheapest Car Insurance Companies In Seattle, WA 2025
Cheapest Liability-only Car Insurance In Seattle: Auto-Owners
For drivers in Seattle, Auto-Owners delivers the lowest rates for minimum coverage car insurance, averaging $37 per month.
Check out the table below to compare rates offered by different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $442 |
| Nationwide | $46 | $550 |
| Travelers | $52 | $622 |
| State Farm | $38 | $451 |
| Kemper | $69 | $831 |
Cheapest Full Coverage Insurance Rates In Seattle: Nationwide
If you’re looking for the cheapest full coverage car insurance in Seattle, Nationwide’s rates average $74 per month.
Below is a table that compares the average auto insurance rates from economical insurers in Seattle.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $74 | $890 |
| Kemper | $78 | $940 |
| Progressive | $79 | $952 |
| State Farm | $81 | $966 |
| Allstate | $121 | $1,451 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Auto-Owners provides the lowest rates for senior car insurance in Seattle, with monthly premiums averaging $68.
The following table shows the average quotes from affordable car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $810 |
| State Farm | $76 | $914 |
| Progressive | $87 | $1,044 |
| Travelers | $102 | $1,229 |
| Allstate | $130 | $1,563 |
Cheapest Rates In Seattle For Teenagers: Allstate
For teens in Seattle, Allstate offers the cheapest car insurance, averaging $179 per month.
The table below shows the providers offering the lowest insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $179 | $2,142 |
| State Farm | $213 | $2,560 |
| Nationwide | $188 | $2,250 |
| Travelers | $211 | $2,530 |
| GEICO | $248 | $2,970 |
Cheapest Auto Insurance For Young Adults in Seattle: Progressive
Progressive offers the cheapest car insurance for young adults in Seattle, averaging $98 per month.
The table below shows a comparison of the lowest auto insurance premiums for young adults in Seattle.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $98 | $1,173 |
| Farmers | $99 | $1,190 |
| State Farm | $109 | $1,302 |
| Kemper | $116 | $1,390 |
| Chubb | $166 | $1,993 |
Cheapest Car Insurance In Seattle For Good Drivers: Auto-Owners
Auto-Owners offers the lowest car insurance premiums for good drivers in Seattle, averaging $37 a month.
Good drivers can check the table below to find average quotes from some of the lowest-priced insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $442 |
| Nationwide | $46 | $550 |
| Travelers | $52 | $622 |
| State Farm | $38 | $451 |
| Kemper | $69 | $831 |
Find affordable Seattle rates
Cheapest Car Insurance In Seattle After A Speeding Ticket: State Farm
For Seattle drivers who have a speeding ticket on their record, State Farm provides the best deal, with an average cost of $92 a month.
See the table below for average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $92 | $1,104 |
| Kemper | $99 | $1,184 |
| Auto-Owners | $102 | $1,226 |
| Nationwide | $128 | $1,536 |
| GEICO | $150 | $1,802 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners is the most affordable option for drivers with an at-fault accident, with monthly rates averaging $97.
These insurance companies provide the best rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $97 | $1,170 |
| Kemper | $103 | $1,230 |
| Nationwide | $147 | $1,765 |
| Progressive | $164 | $1,967 |
| Allstate | $172 | $2,065 |
Cheapest Rates In Seattle For Drivers After A DUI: Progressive
Progressive offers affordable rates for drivers in Seattle following a DUI, averaging $99 a month.
The table below lists the most affordable car insurance providers for Seattle drivers following a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $99 | $1,190 |
| American Family | $118 | $1,420 |
| Auto-Owners | $138 | $1,652 |
| GEICO | $182 | $2,180 |
| Kemper | $414 | $4,970 |
Best Car Insurance Companies In Seattle
If you’re looking for affordable insurance in Seattle, Auto-Owners offers the best deal at $83, with Nationwide at $46 and State Farm at $38 per month.
The following table lists the top 10 car insurance companies in Seattle, WA ranked by average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $37 |
| Nationwide | $46 |
| Travelers | $52 |
| State Farm | $38 |
| Kemper | $69 |
| American Family | $65 |
| Farmers | $45 |
| Chubb | $53 |
| Allstate | $56 |
| National General | $110 |
| Dairyland | $240 |
Average Auto Insurance Rates In Seattle – By Age
Age is a major factor in how car insurance premiums are calculated, with younger drivers paying more due to a higher chance of accidents or traffic violations. Teenagers typically pay around $2,380 per year for car insurance.
As drivers approach 25, their car insurance premiums often begin to decrease, assuming their driving record is free of violations.
Drivers in their 50s and early 60s typically enjoy the most competitive insurance rates, as their driving history shows they are lower risk.
| Age | Average Yearly Rate |
| Teenagers | $2,380 |
| 20s | $1,704 |
| 30s | $1,176 |
| 40s | $1,133 |
| 50s | $1,008 |
| 60s | $924 |
| 70s | $1,320 |
Average Rates In Seattle – By Vehicle
The car you own can significantly impact your insurance costs. Newer luxury cars, in particular, tend to have higher premiums due to their higher replacement value and advanced features.
The table below shows average insurance costs for different vehicles in Seattle.
| Vehicle | Average Monthly Rate |
| Ford Fiesta | $76 |
| Nissan Altima | $160 |
| Toyota Corolla | $180 |
| Tesla Model 3 | $137 |
| Jeep Grand Cherokee | $70 |
Average Cost Of Auto Insurance In Seattle – By Zip Code
Insurers use zip codes to evaluate crime levels in different neighborhoods, which can cause significant differences in car insurance rates.
See the table below for a breakdown of average insurance premiums in Seattle by zip code.
| Zip Code | Average Monthly Rate |
| 98198 | $107 |
| 98144 | $112 |
| 98107 | $102 |
| 98122 | $117 |
| 98188 | $98 |
How Much Is Car Insurance In Other Cities in Washington?
Your car insurance rates are influenced by where you live, with urban areas generally seeing higher premiums due to increased risks like accidents and theft.
For instance, car insurance rates in Lakewood are around $194 per month, while inBellingham, they average $135 a month.
| City | Average Monthly Rate |
| Renton | $187 |
| Bellevue | $174 |
| Puyallup | $182 |
| Bellingham | $135 |
| Olympia | $152 |
| Bremerton | $145 |
| Lynnwood | $180 |
| Everett | $184 |
| Lakewood | $194 |
| Kent | $191 |
Find affordable Seattle rates
Our Methodology
With a thorough examination of factors such as pricing, product choices, customer service, and online reviews, I’ve created a comprehensive guide to 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?
Auto-owners leads in providing the most affordable minimum coverage in Seattle, while Nationwide offers the best prices for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Seattle?
In Seattle, the average car insurance premium is around $110 a month, though your individual rate may vary depending on factors like your zip code, car, and driving record.
