In Seattle, State Farm offers the lowest minimum coverage rate at $571 per year, while Progressive provides the most affordable full coverage at $1,444 annually. Other budget-friendly options in the city include Geico, Farmers and Pemco Insurance.
Car Insurance in Seattle
Updated: November 4, 2025
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Key Takeaways
Seattle's cheapest car insurance companies are Geico, State Farm and Progressive, with savings up to 16% compared to the city average.
Monthly car insurance costs in Seattle average $135 for full coverage and $63 for minimum coverage.
To find the best cheap auto insurance in Seattle, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Seattle?
| Geico | $51 | $122 | -16% |
| State Farm | $48 | $136 | -11% |
| Progressive | $71 | $120 | -7% |
| Farmers | $61 | $135 | -5% |
| Pemco Insurance | $64 | $132 | -5% |
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Compare the Cheapest Seattle Car Insurance for You
Your car insurance rates depend on your driving record, credit score and other personal factors that make your situation unique.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $155 | $1,857 | -27% |
| Travelers | $176 | $2,118 | -17% |
| Pemco Insurance | $178 | $2,137 | -16% |
| American Family | $180 | $2,159 | -15% |
| Allstate | $200 | $2,405 | -6% |
Cheapest Car Insurance by Age Group in Seattle
Car insurance prices vary significantly by age, so we've analyzed rates for three distinct groups in Seattle: young drivers (16 to 25), adults (26 to 64), and seniors (65+). Here's who offers the lowest rates in each category:
- Cheapest Car Insurance for Young Drivers: State Farm (from $103 per month)
- Cheapest Car Insurance for Adults: State Farm (from $48 per month)
- Cheapest Car Insurance for Seniors: State Farm (from $56 per month)
Cheapest Car Insurance for Young Drivers in Seattle
State Farm and Geico provide the most affordable car insurance for young drivers in Seattle, with monthly rates starting at $103 and $129 respectively.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $103 | $1,231 | -39% |
| Geico | $129 | $1,550 | -23% |
| Travelers | $130 | $1,561 | -23% |
| American Family | $144 | $1,725 | -14% |
| California Causality | $163 | $1,954 | -3% |
Cheapest Car Insurance for Adult Drivers in Seattle
In Seattle, State Farm provides the lowest rates for adult drivers (26-64), saving drivers around 28% on average. Geico and Farmers are also among the most affordable providers for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $48 | $571 | -28% |
| Geico | $51 | $614 | -23% |
| California Causality | $53 | $637 | -20% |
| Farmers | $61 | $731 | -8% |
| Pemco Insurance | $64 | $766 | -4% |
Cheapest Car Insurance for Senior Drivers in Seattle
For Seattle seniors aged 65 and up, State Farm offers the most affordable minimum coverage at $56 per month ($677 annually), while Geico provides the lowest full coverage rates at $136 monthly ($1,628 per year).
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $56 | $677 | -42% |
| Geico | $65 | $775 | -33% |
| Nationwide | $82 | $989 | -15% |
| Travelers | $91 | $1,091 | -6% |
| Farmers | $91 | $1,097 | -6% |
Cheapest Car Insurance for High-Risk Drivers in Seattle
These insurance companies offer the lowest rates in Seattle for drivers with various risk factors:
- Bad Credit: National General (From $92 per month)
- DUI History: State Farm (From $52 per month)
- Accident History: State Farm (From $56 per month)
- Speeding Ticket: State Farm (From $52 per month)
Cheapest Car Insurance for Bad Credit in Seattle
National General offers Seattle's cheapest car insurance for drivers with bad credit. Monthly rates start at $92 for minimum coverage and $205 for full coverage with a $1,000 deductible.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| National General | $92 | $1,101 | -40% |
| Geico | $101 | $1,211 | -34% |
| Pemco Insurance | $108 | $1,290 | -29% |
| California Causality | $121 | $1,456 | -20% |
| Travelers | $127 | $1,518 | -17% |
Cheapest Car Insurance With a DUI in Seattle
State Farm offers the most affordable car insurance for Seattle drivers with a DUI. You can save up to 43% on minimum coverage and 26% on full coverage compared to typical city rates.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $52 | $620 | -45% |
| Farmers | $78 | $934 | -18% |
| Progressive | $81 | $974 | -14% |
| Geico | $82 | $982 | -14% |
| National General | $86 | $1,031 | -9% |
Cheapest Car Insurance With an Accident in Seattle
State Farm offers Seattle's lowest car insurance rates for drivers with accidents, starting at $56 per month. Their minimum liability coverage costs 43% less than the city average.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $56 | $668 | -43% |
| Geico | $80 | $959 | -18% |
| Travelers | $85 | $1,015 | -13% |
| Farmers | $90 | $1,077 | -8% |
| California Causality | $92 | $1,105 | -5% |
Cheapest Car Insurance With a Speeding Ticket in Seattle
For Seattle drivers with a speeding ticket, State Farm offers the most affordable insurance options, with minimum liability coverage at $52 monthly and full coverage at $145 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $52 | $620 | -37% |
| Farmers | $69 | $830 | -16% |
| Geico | $72 | $864 | -12% |
| California Causality | $75 | $898 | -9% |
| Travelers | $81 | $966 | -2% |
Best Car Insurance Companies in Seattle
Seattle's top car insurance companies are GEICO, Progressive, Travelers, State Farm and Farmers. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Geico | 93 | 1 | 6 | 6 |
| Progressive | 92 | 3 | 2 | 2 |
| Travelers | 91 | 6 | 1 | 4 |
| State Farm | 91 | 2 | 3 | 6 |
| Farmers | 88 | 4 | 10 | 1 |
GEICO: Most Affordable Overall
pros
Strong rates across driver categories
Multiple discount opportunities available
Quick digital claims process
cons
Limited add-on coverage options
Average customer service ratings
COMPANY HIGHLIGHTS
GEICO ranks as Seattle's most affordable car insurance provider with competitive rates in multiple categories. The company offers the lowest rates for adult drivers, senior drivers, and both old and new vehicles. GEICO's digital tools streamline the insurance process, though their add-on coverage options are more limited than competitors. Their strong affordability scores translate to real savings for Seattle drivers.
Progressive: Best for Coverage Options
pros
Extensive coverage customization
Strong customer service ratings
Competitive full coverage rates
cons
Higher minimum coverage rates
Fewer discounts than competitors
COMPANY HIGHLIGHTS
Progressive stands out for its comprehensive coverage options and high customer satisfaction in Seattle. The company offers competitive full coverage rates at $120 monthly, though minimum coverage costs run higher than some competitors. Progressive's combination of strong customer service ratings and extensive coverage options makes it particularly appealing for drivers who want more than basic protection. Their digital tools and claims process consistently receive positive feedback from customers.
How Much Is Car Insurance in Seattle?
In Seattle, minimum coverage costs about $63 per month or $758 per year, ranking 482nd out of all Washington cities for affordability. Full coverage averages $135 monthly or $1,618 annually, ranking 426th among Washington cities.
| Full Coverage | $135 | $1,618 |
| Minimum Coverage | $63 | $758 |
Compare Personalized Seattle Car Insurance Costs
While basic rate breakdowns help you compare costs, our table below lets you filter Seattle car insurance rates by your specific age, driving record and other key factors.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $205 | $2,459 | 24% |
Seattle Car Insurance Costs by ZIP Code
In Seattle, car insurance rates by ZIP code range from $58 to $149 per month. ZIP code 98112 is the most expensive, while 98107 is the cheapest.
Data filtered by:
98101
| 98101 | $59 | $127 |
How to Get the Best Cheap Seattle Car Insurance
Seattle drivers have some of the highest car insurance rates in Washington state, and finding affordable coverage can feel overwhelming.
- 1Calculate your coverage requirements
Start by determining exactly how much coverage you need for your Seattle driving situation. Use our car insurance coverage needs calculator to evaluate your specific needs based on your vehicle's value, your assets and your risk tolerance.
- 2Explore alternative coverage types
Familiarize yourself with different types of car insurance options. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving needs.
- 3Know the average costs
Research average vehicle insurance costs in Seattle to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying for coverage.
- 4Check available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5Research insurance company ratings
Evaluate insurance providers based on their customer service ratings and claims satisfaction scores in the Seattle area. Look for companies with strong financial stability and a history of fair claims handling in Washington state.
- 6Get quotes from multiple providers
Contact at least three different insurance providers to compare rates. Use a mix of local agents, direct insurers and online comparison tools to ensure you're getting the most competitive prices for your coverage needs.
- 7Review your policy annually
Set a yearly reminder to review your car insurance policy. Changes in your driving habits, vehicle value or personal circumstances might qualify you for better rates or different coverage options with your current or new provider.
Cheapest Car Insurance in Seattle: Bottom Line
Car insurance rates in Seattle depend on your driving record, credit and vehicle type. GEICO and State Farm offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Seattle Car Insurance: FAQ
What is the cheapest car insurance company in Seattle, Washington?
State Farm offers Seattle's lowest rates at $571 for minimum coverage, while Progressive has the lowest full coverage at $1,444. Compare quotes, as rates vary by personal factors.
Who offers the best car insurance in Seattle?
Geico leads Seattle's car insurance providers with a MoneyGeek score of 93 out of 100, scoring one point above Progressive. Geico excels in both affordable rates and quality customer service.
What is the average cost of car insurance in Seattle?
Seattle drivers pay $1,618 annually for full coverage and $758 for minimum coverage car insurance. Actual rates vary based on individual factors like driving history and coverage choices.
Is car insurance in Seattle expensive?
Car insurance in Seattle costs more than average, ranking 482nd for minimum coverage affordability and 426th for full coverage compared to other Washington cities.
How We Chose the Best and Cheapest Car Insurance in Seattle, WA
We collected rate data from the Washington State Office of the Insurance Commissioner and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 companies across every ZIP code in Seattle. This coverage ensures our data reflects what you'll actually pay based on your neighborhood's accident frequency, theft rates, and local repair costs.
Our baseline driver profile:
We started with a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. From there, we adjusted age, driving record, credit score, and military status to show how rates shift based on your actual situation.
Coverage levels we compared:
Washington requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a city where medical costs and vehicle values run high.
For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Seattle's elevated theft rates and frequent accidents in rainy conditions.
How we scored each provider:
We evaluated insurers across three weighted categories:
Affordability (60%): Quotes for common driver profiles compared to local competition
Customer Experience (30%): Reviews from Google, J.D. Power, AM Best, and Reddit discussions about claims handling
Coverage Options (10%): Available policy features, unique offerings, and included benefits
Why this approach works: Seattle's combination of congested urban traffic, frequent rain-related accidents, and high vehicle theft rates makes both comprehensive coverage and adequate liability limits critical. Our ZIP-code-level analysis shows you which companies price your specific neighborhood's risk profile competitively while delivering reliable claims service when you need coverage to pay out.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
