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How much is car insurance in Seattle?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Seattle are about the same as what you would pay anywhere else in Washington.
On the flip side, the expected monthly payments for an auto insurance policy in Seattle are below the national average. It's about $3 cheaper to insure your vehicle in Seattle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for residents of SEATTLE, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down average rates for Seattle to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up in Seattle.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Seattle, this difference shakes out to about $6 a month. As illustrated in the table above, female drivers in the area pay about $73 on average, while male drivers pay around $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Seattle, having a single accident on your record will usually get you rates around $105 a month. In addition, drivers with one ticket can expect to pay around $132 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$77|
The most affordable vehicles to insure in Seattle are by and large SUVs, which run about $74 per month.
Truck and van drivers will see rates of about $76 for auto insurance coverage, while car owners usually pay around $77 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Overall, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Seattle, for example, are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Seattle as well, where the difference is around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Seattle. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Seattle, WA
Recent trends in car insurance for Seattle drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in Seattle increased from 2016-2017, before leveling out in 2018. Car insurance rates have been increasing again recently, and were up to $101 in 2021.
How does Seattle compare to neighboring areas?
Why are car insurance rates in Seattle different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Prevalence of crime
- Local laws
- Access to off-street parking
- Amount of drivers in the community
- Road safety
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Seattle?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Seattle.
Seattle Insurance FAQs
What factors affect car insurance quotes in Seattle?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Seattle different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Seattle?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Seattle?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Seattle or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.