Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes

Seattle Car Insurance


Seattle skyline

Seattle car insurance rates

Is car insurance expensive in Seattle? Drivers in Seattle do pay among the highest rates for  Washington car insurance, but you can still save a lot of money by comparison shopping. Here we help you decide how much car insurance to buy for your particular situation, allow you to compare rates by ZIP code, coverage level and company, as well as explain why the best Seattle car insurance is not always the cheapest.

Seattle ZIP code 98144 has the highest average car insurance rate in the city, $1,579 a year for full coverage, according to a survey of rates from six major carriers. But the difference between the highest rate ($1,823) for that ZIP and the lowest ($1,325) is $500. You can still save a lot on car insurance even if you live in an area with high rates. You just need to compare car insurance quotes to find the best price.

Seattle Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
  • 98422- BROWNS POINT: $58
  • 98421- FIFE: $58
  • 98438- MCCHORD AFB: $58
  • 98447- PARKLAND: $57
  • 98814- CARLTON: $31
  • 98856- TWISP: $31
  • 99118- CURLEW: $32
  • 99166- REPUBLIC: $32

Seattle car insurance rates by ZIP code

Many factors go into setting car insurance rates, and your location is chief among them. Car insurance companies look at how many claims there are in your area and what the cost is when deciding what you pay. In addition, each insurer calculates rates in its own way, so that’s why the same policy can have many different price tags. If you don't shop around to compare prices, you can't save. To see how other Seattle car insurance rates compare, use our average rates tool above. Enter a ZIP code, select an age group and coverage level, and it will show the average rate, as well as the highest and lowest, for your location.

Here's how Seattle’s highest average rate ($1,579) compares to others:

  • $592 more than the least expensive average rate ($987) in Washington, Hay ZIP code 99136
  • $388 more than the state average ($1,191)
  • $224 more than the national average rate ($1,355)

You’ll see in the chart below how Seattle neighborhoods compare on car insurance costs. You'll see that you can save up to $600 or so by shopping around.

ZIP codeAverage annual rateHighes rateLowest rate


*Methodology for rates by ZIP code: CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Seattle car insurance requirements

Washington state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$10,000

Cheapest car insurance in Seattle

The lowest liability car insurance limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In Washington (written as 25/15/10), that means your liability car insurance would pay up to:

  • $25,000 for injuries you cause to others
  • $15,000 per accident
  • $10,000 for damage you cause to others' cars and property

Best car insurance in Seattle

The best car insurance coverage usually isn’t the cheapest. You may be sued if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage typically won’t add a lot to your car insurance bill. Comprehensive costs $101 and collision costs $244, on average per year, for drivers in Washington, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That’s the amount you pay before your insurance kicks in. Insurers usually offer deductibles of $1,000, $500 and $250. The higher the deductible is, the lower your rate will be.

The average annual cost for just the state minimum level of coverage for Seattle drivers is $592, according to our rate analysis. If you bumped your liability up to 50/100/50, it would cost just $50 more a year, or $4 a month. If you jump from state minimum levels to full coverage, your extra cost is $839, or about $70 monthly.

Seattle auto rates by coverage level 

Coverage limitsAverage annual rate
Liability Only – state minimum$592
Liability Only - 50/100/50 BI/PD$642
Full Coverage - 100/300/100 BI/PD$1,431
with $500 Comp/Collision deductible

Who has the cheapest car insurance in Seattle? 

Below you'll see how insurers compare on price for three different coverage levels.

CompanyState minimum
State Farm$470
State Farm$557
State Farm$1,435

How much does insurance go up after a speeding ticket in Seattle?

CarInsurance.com’s rate analysis shows that drivers in Seattle can expect to pay, on average, up to about $262 more a year for car insurance after minor violations such as speeding.More serious infractions, such as DUI can hike rates as much as $876. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

ViolationAverage rateRate after violationDollar increasePercentage increase
DUI/DWI first offense$1,5322,409$87657%
Reckless driving$1,5322,396$86456%
Operating a vehicle in a race (highway racing)$1,5322,203$67144%
Careless driving$1,5322,191$65943%
Failure to stop$1,5322,062$53035%
Failure to yield$1,5322,062$53035%
Following too closely$1,5322,062$53035%
Improper turn$1,5322,062$53035%
Improper/illegal pass$1,5322,062$53035%
2 speeding tickets 11 mph or over$1,5321,957$42428%
Driving without a license or permit$1,5321,876$34322%
Driving without insurance$1,5321,876$34322%
Speeding 30+ over limit$1,5321,794$26217%
Speeding ticket 1-5 MPH over limit$1,5321,794$26217%
Speeding ticket 11-15 MPH over limit$1,5321,794$26217%
Speeding ticket 16-29 MPH over limit$1,5321,794$26217%
Lapse of coverage for 60 days$1,5321,693$16110%
Lapse of coverage for 7 days$1,5321,643$1107%
Lapse of coverage for 15 days$1,5321,643$1107%
Lapse of coverage for 30 days$1,5321,643$1107%
Seatbelt infraction$1,5321,547$151%

*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

How much will an accident raise my insurance in Seattle?

When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Seattle can expect to pay for common car insurance claims.

ClaimAverage rateRate after claimDollar increasePercentage increase
2 At-fault property damage accident over $2k$1,532$3,133$1,601104%
Hit and run - injury$1,532$2,510$97864%
Hit and run  property damage$1,532$2,510$97864%
1 At-fault property damage accident over $2K$1,532$2,126$59439%
At-fault bodily injury accident$1,532$2,126$59439%
1 At-fault property damage accident under $2K$1,532$2,035$50333%
2 comprehensive claims for over $2k$1,532$1,602$705%
1 comprehensive claim for over $2k$1,532$1,572$403%
1 comprehensive claim for under $2k$1,532$1,572$403%

Adding a teen driver to your insurance

Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Seattle, adding a 16-year-old daughter to your policy will hike your rates by $1,983 annually, or 130 percent.It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,470, or 161 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

Bad credit nearly doubles car insurance rates

Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Washington ranks thirty sixth among the worst states for drivers with bad credit. Seattle drivers with bad credit can expect rates to go up by $983, or 64 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. That's why it's always prudent to compare car insurance quotes at least once a year.

SR-22 insurance

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Seattle, your rate will go up by an average of $1,029 , or 67 percent.

Driving in Seattle

Traffic in Seattle: The city and nearby areas came in seventh for the worst traffic in the nation in a recent report by USA Today, which noted that drivers spend about 63 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of nearly 30 deaths a year in recent years (2012-2014).

Commuting: The average commute in Seattle is 27.6 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Seattle area, only vehicles with at least two people, mass transit vehicles like buses and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.

Public transportation: The U.S. Census Bureau says that the majority of riders in Seattle who commute to work by public transportation are white (about 64 percent), Hispanic (about 7 percent) and black (about 6 percent). The bureau notes that commuting is the main reason people turn to mass transit.

Smog rules: In Seattle you must have a vehicle tested for emissions before registering and every two years after that. After moving to Washington, you have 30 days to have a vehicle tested. Vehicles models from 2009 and newer and those 20 years old or older are exempt.

Bad intersection: The intersection at Denny Way and Terry Avenue was recently named Seattle's worst intersection in a survey of both motorists and pedestrians.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.