On average, full coverage car insurance in Seattle costs $132 per month. Rates can range from a low of $72 to a high of $355, depending on the policy, vehicle type and driver's details. The table below shows average car insurance costs for various driver profiles to help drivers better understand what they might pay.
Seattle, WA, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Seattle: Key Takeaways
In Seattle, PEMCO and Capital Insurance Group offer some of the most affordable car insurance options for various driver profiles.
PEMCO stands out as the cheapest provider, offering minimum coverage at $19 per month and full coverage at $60 per month on average.
On average, car insurance in Seattle costs $69 monthly for minimum coverage and $132 for full coverage, though rates can change based on individual driver characteristics.
Car Insurance Quotes in Seattle, WA
| Young Drivers | $90 | $175 |
| Teens | No Data | $355 |
| Seniors | $72 | $132 |
| Drivers With a Speeding Ticket | $86 | $167 |
| Drivers With a DUI | $100 | $200 |
| Drivers With An Accident | $99 | $188 |
| Bad Credit | $72 | $137 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Seattle vs. State Average
Washington
State Average Full Coverage Rate
$1,412
Seattle, WA
City Average Full Coverage Rate
$1,575More:$163 more
This is 12% more expensive.
What Is the Average Car Insurance Rate in Seattle?
In Seattle, the average cost for full coverage car insurance is $1,575 per year, while state minimum coverage is $817 annually. These rates are higher than Washington's averages, where full coverage is $1,412 and minimum coverage is $725.
| State Average | $725 | $1,412 |
| Seattle Average | $817 | $1,575 |
Cheapest Car Insurance Companies in Seattle
While premiums may be rising in the Evergreen State, you can still find affordable car insurance in Seattle. PEMCO offers the cheapest minimum coverage at just $19 per month on average. For those seeking full coverage, PEMCO also provides the best rate at $60 per month on average.
WHY CAR INSURANCE IN SEATTLE IS EXPENSIVE
Car insurance is expensive in Seattle due to dense traffic and high repair costs. Seattle ranks among the top cities in Washington for costly premiums. Statewide, the high rates of uninsured drivers, personal injury lawsuits and insurance fraud contribute to the steep prices.
Cheap Car Insurance in Seattle
PEMCO often provides the cheapest car insurance, but rates vary by driver. The best way to find affordable coverage is to get quotes from multiple companies. Below is a table with the cheapest average car insurance rates for different driver profiles.
| PEMCO | Minimum Coverage | $19 |
| PEMCO | Full Coverage | $60 |
| Capital Insurance Group | Teens | $190 |
| PEMCO | Young Adults | $49 |
| PEMCO | Seniors | $42 |
| PEMCO | Bad Credit | $39 |
| PEMCO | Drivers With a DUI | $64 |
| PEMCO | Drivers With An Accident | $53 |
| PEMCO | Drivers With a Speeding Ticket | $49 |
Car Insurance Rates in Seattle by Company
Car insurance costs vary, so Seattle drivers must compare rates for the best deal. Below, we detail the most affordable state minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Seattle
PEMCO offers the cheapest minimum coverage auto insurance at $19 per month on average. State Farm follows with an average rate of $37 per month. The table below breaks down the cheapest options.
| PEMCO | $19 | $50 |
| State Farm | $37 | $31 |
| Auto-Owners Insurance Co | $43 | $26 |
| Progressive | $47 | $22 |
| Chubb | $50 | $19 |
| Travelers | $53 | $16 |
| Nationwide | $54 | $15 |
| GEICO | $55 | $14 |
| Farmers | $62 | $6 |
| American Family | $63 | $5 |
Cheapest Car Insurance Companies for Full Coverage in Seattle
PEMCO offers the cheapest full coverage car insurance in Seattle at $60 per month. Below is a list of other providers and their rates.
| Allstate | $120 | $12 |
| American Family | $98 | $34 |
| Auto-Owners Insurance Co | $106 | $27 |
| Chubb | $118 | $14 |
| Farmers | $110 | $22 |
| GEICO | $105 | $27 |
| Kemper | $78 | $55 |
| Nationwide | $103 | $30 |
| PEMCO | $60 | $73 |
| Progressive | $78 | $54 |
| State Farm | $80 | $52 |
| Travelers | $107 | $25 |
Car Insurance Companies in Seattle
To find affordable car insurance in Seattle, we recommend getting quotes from several companies. PEMCO offers the cheapest average rate at $469 annually, while Auto-Owners is the best cheap provider with a MoneyGeek score of 77. Check out the table below for more options to consider in your search.
| PEMCO | 90 | $469 |
| Chubb | 89 | $1,007 |
| American Family | 78 | $968 |
| Auto-Owners Insurance Co | 77 | $889 |
| State Farm | 72 | $704 |
| Nationwide | 67 | $939 |
| Travelers | 65 | $963 |
| Progressive | 64 | $751 |
| Farmers | 64 | $893 |
| GEICO | 63 | $957 |
| Allstate | 60 | $1,172 |
| Kemper | 56 | $880 |
| National General | 49 | $1,821 |
| Dairyland | No Data | $4,333 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Seattle by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with average rates of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in Seattle.
| 16 | $2,794 | $-781 |
| 17 | $2,800 | $-787 |
| 18 | $2,394 | $-381 |
| 19 | $2,114 | $-101 |
| 20 | $2,185 | $-172 |
| 21 | $1,685 | $328 |
| 22 | $1,822 | $192 |
| 23 | $1,908 | $105 |
| 24 | $1,790 | $223 |
| 25 | $2,098 | $-532 |
| 40 | $1,575 | $-9 |
| 65 | $1,579 | $-13 |
Cheapest Car Insurance for Teens in Seattle
The cheapest overall car insurance for teens in Seattle is offered by Capital Insurance Group at $161 per month. This provides a savings of $50 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Capital Insurance Group | $161 | $50 | $190 |
| Allstate | $162 | $48 | $433 |
| Kemper | $167 | $43 | $218 |
| Nationwide | $184 | $26 | $504 |
| Travelers | $205 | $6 | $317 |
| GEICO | $212 | $-2 | $363 |
| State Farm | $216 | $-5 | $261 |
| Farmers | $246 | $-36 | $385 |
| Progressive | $341 | $-130 | $526 |
*Rates reflect 16- to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Seattle
PEMCO offers the best monthly rate for minimum coverage at $23 per month and also provides the most affordable full coverage at $76 per month for young drivers in Seattle. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| PEMCO | Minimum Coverage | $23 |
| PEMCO | Full Coverage | $76 |
| PEMCO | Bad Credit | $49 |
| PEMCO | Drivers With a DUI | $72 |
| PEMCO | Drivers With An Accident | $62 |
| PEMCO | Drivers With a Speeding Ticket | $57 |
Cheapest Car Insurance Companies for Young Drivers in Seattle
Progressive offers the most affordable auto insurance for young drivers at $76 per month. Other companies like State Farm and American Family also offer competitive rates. The table below shows other companies with competitive rates.
| PEMCO | $49 | $84 |
| Progressive | $76 | $57 |
| State Farm | $78 | $55 |
| American Family | $85 | $48 |
| Travelers | $94 | $39 |
| Allstate | $103 | $30 |
| Farmers | $104 | $30 |
| Kemper | $108 | $25 |
| Auto-Owners Insurance Co | $109 | $24 |
| GEICO | $110 | $24 |
| Chubb | $115 | $19 |
| Nationwide | $120 | $13 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Seattle
PEMCO and State Farm offer some of the cheapest car insurance rates, but costs vary based on factors like driving history and credit score. Below is a table showing the most affordable providers for different driver and coverage profiles.
| PEMCO | Minimum Coverage | $20 |
| PEMCO | Full Coverage | $64 |
| PEMCO | Bad Credit | $42 |
| State Farm | Drivers With a DUI | $61 |
| PEMCO | Drivers With An Accident | $60 |
| PEMCO | Drivers With a Speeding Ticket | $56 |
Cheapest Car Insurance Companies for Seniors in Seattle
PEMCO offers the cheapest monthly premium for seniors at $42 for both minimum and full coverage. State Farm follows as the second most affordable at $56 per month. The table below shows the top car insurance providers for seniors in Seattle.
| PEMCO | $42 | $61 |
| State Farm | $56 | $47 |
| Kemper | $66 | $37 |
| Auto-Owners Insurance Co | $67 | $36 |
| Progressive | $69 | $33 |
| Chubb | $70 | $32 |
| Travelers | $78 | $24 |
| Nationwide | $81 | $22 |
| American Family | $85 | $18 |
| Farmers | $89 | $14 |
| GEICO | $98 | $5 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High Risk Drivers in Seattle
High-risk drivers in Seattle often pay less than the state average. For minimum coverage, Seattle residents pay around $1,151 per year, while full coverage costs about $2,233 per year. Comparatively, the state average is $1,998 annually for minimum coverage and $3,982 annually for full coverage. Those with bad credit and DUIs pay the most, whereas accidents and speeding tickets have a milder impact on rates.
| State Average | $1,027 | $2,012 |
| Seattle Average | $1,151 | $2,233 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Some driving incidents, like a not-at-fault accident or speeding ticket, can affect your insurance rates for three to five years in Seattle. For serious offenses, such as a DUI, insurers may consider your history for longer, and you might need to file an SR-22 or FR-44 to meet state minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Seattle
PEMCO offers the cheapest minimum coverage for drivers with a DUI in Seattle at $391 per year. Meanwhile, State Farm provides the most affordable full coverage policy at $1,097 annually. Check out the table below for more low-cost coverage options.
| State Farm | $43 | $91 |
| PEMCO | $33 | $96 |
| Progressive | $57 | $98 |
| American Family | $76 | $118 |
| Chubb | $62 | $149 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Seattle
PEMCO, State Farm and Auto-Owners are the three cheapest car insurance providers for drivers with an at-fault accident in Seattle. The table below shows different providers offering affordable coverage options.
| PEMCO | $26 | $81 |
| State Farm | $48 | $100 |
| American Family | $77 | $122 |
| Auto-Owners Insurance Co | $54 | $138 |
| Chubb | $62 | $149 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Seattle
PEMCO is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $23 monthly and full coverage at $74 monthly on average. Check the table below to see how other providers charge drivers in the Emerald City with a speeding ticket on their record.
| PEMCO | $23 | $74 |
| State Farm | $43 | $91 |
| Progressive | $62 | $106 |
| Chubb | $55 | $131 |
| Auto-Owners Insurance Co | $57 | $144 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Seattle
PEMCO offers the most affordable rates for drivers with bad credit in Seattle, with state minimum coverage at $19 per month and full coverage at $59 per month on average. See the table below for other affordable options.
| PEMCO | $19 | $59 |
| Progressive | $48 | $81 |
| State Farm | $39 | $83 |
| Auto-Owners Insurance Co | $43 | $106 |
| Chubb | $50 | $118 |
**Rates are for a 40-year-old driver with bad credit and no driving violations.*
Minimum Car Insurance Requirements in Seattle, WA
Drivers throughout Washington are required to carry insurance with at least the minimum coverage limits set by statewide mandates. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
For example, if you're in a fender bender, your minimum coverage will cover up to $10,000 in property damage, but anything beyond that will be your responsibility. Make sure your policy meets these basic requirements to keep you on the right side of the law.
Cheap Car Insurance in Seattle: Bottom Line
PEMCO offers Seattle's cheapest car insurance, on average, for minimum and full coverage. No matter your age or credit, you'll find providers with plans that won't break the bank. Make sure your policy includes Washington's required coverage for bodily injury and property damage liability. By shopping around, you can secure affordable financial protection.
Seattle Auto Insurance: FAQ
MoneyGeek offers quick answers to common questions about finding affordable and best car insurance options in Seattle.
What is the cheapest car insurance company in Seattle, Washington?
PEMCO offers the cheapest car insurance in Seattle, Washington, with a monthly rate of $19 for state minimum coverage, saving motorists roughly $50 compared to the average.
What is the best car insurance company in Seattle, Washington?
Dairyland is the top car insurance company in Seattle, with an annual state minimum coverage rate of $4,333.
How much does car insurance cost on average in Seattle?
The monthly rates for minimum coverage auto insurance in Seattle can span from $69 to $101.
Best Cheap Car Insurance in Seattle: Our Methodology
Seattle Driver Profile
To assess the best and most affordable auto insurance options for Seattle residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Seattle
In assessing the car insurance quotes for Seattle, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Washington's mandated liability insurance parameters:
The minimum coverage requirements in Washington are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Seattle providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Seattle
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Seattle. For more details on our process, see MoneyGeek's methodology.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.