Cheapest and Best Car Insurance Companies in Seattle, WA
Compare Rates and Save on Car Insurance
By, Content Director
Seattle drivers will find the cheapest rates for full and minimum coverage car insurance with Seattle-based PEMCO. This insurer is also the most affordable for military-affiliated drivers and drivers with speeding tickets and at-fault accidents. State Farm is cheapest for drivers with DUIs, and teen drivers will fare best with Kemper. Your driver profile and needs may affect which company is the most affordable for you.
If you’re interested in quality and factors aside from affordability, Chubb is MoneyGeek’s winner for best overall, best customer service and best cheap car insurance in Seattle.
Cheapest and Best Car Insurance in Seattle, WA
Cheapest Minimum Liability Car Insurance in Seattle
A minimum coverage car insurance policy in Seattle is cheapest from the following companies:
- PEMCO: $319 per year
- Capital Insurance Group: $347 per year
The most expensive company for minimum coverage is National General, with policies that average $952 per year. PEMCO also offers the most affordable car insurance in Washington state at $262 annually, making Seattle slightly more expensive for the company than the state as a whole as of October 2022.
Liability limits for minimum coverage insurance are set by state law. In Washington, this coverage extends to bodily injury and personal property damage with the following amounts:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Liability-only coverage goes towards the cost of damages to the other driver (and their passengers) in an accident. So if you’re at fault in an accident and have $25,000 in bodily injury liability per person and $50,000 per accident, your insurance company will handle medical costs for each individual up to $25,000, for a maximum of $50,000 per incident (regardless of how many passengers were injured). The rest comes out of your pocket.
Cheapest Full Coverage Car Insurance in Seattle
The least expensive full coverage car insurance in Seattle is from the following companies:
- PEMCO: $618 per year
- Capital Insurance Group: $764 per year
National General is the most expensive company for full coverage at $1,500 per year. The cheapest car insurance company for full coverage in Washington state is also PEMCO at an average rate of $534 per year as of October 2022. Full coverage insurance with PEMCO is slightly more expensive in Seattle than in the rest of the state.
A full coverage policy increases the limits of liability-only insurance and adds comprehensive and collision insurance.
- Collision Insurance: Helps pay for damages to your vehicle sustained in an accident, like a collision with an object or another car.
- Comprehensive Insurance: Helps pay for damages to your vehicle due to a non-accident incident such as a break-in or weather-related event.
Full coverage is recommended for those with newer vehicles to protect their high-value investments. But if your car is older, it may not be worth paying hundreds more per year for the extra coverage.
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Cheapest Car Insurance in Seattle After a Driving Offense
According to our calculations, these are Seattle’s cheapest car insurance companies for full coverage if you have the following driving offenses on your record:
- Speeding ticket: PEMCO ($775 per year)
- At-fault accident: PEMCO ($849 per year)
- DUI: State Farm ($1,014 per year)
You’ll likely see the highest annual rates with National General ($2,048), Progressive ($2,423) and Kemper ($4,353) after a speeding ticket, accident or DUI, respectively. Violations can drive up car insurance premiums, so even the cheapest rates will often be significantly more expensive after an offense.
Don’t be surprised if rates increase with the severity of the driving offense. For example, Seattle drivers with a DUI will pay at least $239 more for car insurance than those with speeding tickets. However, there are ways to find affordable car insurance with a bad driving record.
Cheapest Car Insurance in Seattle for Teens and Their Families
For 16-year-old teenage drivers on a family policy, the least expensive auto insurers are:
- Kemper: $1,975 per year for female teens; $2,042 per year for male teens
- Allstate: $2,139 per year for female teens
- Capital Insurance Group: $2,148 per year for male teens
The most expensive company for teens is Progressive, where families will pay $4,151 or $4,579 per year to add a female or male teen to a policy.
Rates for male teens tend to be more expensive than rates for female teens because young men are riskier to insure. Depending on the company, this difference could be minor ($67 per year with Kemper) or significant ($428 per year with Progressive) — underlining the importance of comparing quotes from multiple companies to save money on car insurance.
Adding a teen to a family policy is a smart way to save money since car insurance rates for teens are much higher if they buy a policy themselves. In Seattle, a male teen buying an individual policy would pay $2,381 more than a family policy. Families could save thousands of dollars each year by taking the right steps to find the cheapest auto insurance for teens.
Cheapest Car Insurance in Seattle for Military Drivers
Seattle’s most affordable auto insurers for those with a military background — whether active or veterans — and their families are:
- PEMCO: $618 per year
- USAA: $636 per year
The rates above are for a full coverage policy. If you opt for minimum coverage, USAA is the cheapest company at $280 per year, whereas PEMCO becomes the second most affordable at $319 per year.
How to Compare Cheap Seattle Car Insurance Quotes Online
Comparing car insurance quotes online can be a tedious process. You usually have to hand over a lot of personal information, and it can take 15 minutes or more to obtain quotes from a single company.
MoneyGeek’s car insurance calculator scans our database to quickly estimate your rates with different companies just based on your age, vehicle type, driving record and desired coverage level.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Seattle: Summary
The best car insurance for you will depend on how much you value service, affordability, coverage and other factors. Depending on your needs, MoneyGeek found that the best car insurance companies in Seattle, Washington, are:
- Best overall: Chubb (MoneyGeek score of 85 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: Chubb (MoneyGeek score of 86 out of 100)
Changing MoneyGeek scores in each category reflect differences in how we weigh service and affordability for each category. Companies like Chubb that win in all three categories match affordability with excellent service — Chubb also ranks as the best car insurance provider in Washington state. If you have a military background, USAA is another great option for car insurance, with a MoneyGeek score of 84 out of 100.
Best Overall Car Insurance in Seattle
Taking service quality, affordability and other factors into account, MoneyGeek found that the overall best companies for car insurance in Seattle are:
- Chubb: MoneyGeek score of 85 out of 100 ($1,113 per year)
- Capital Insurance Group: MoneyGeek score of 81 out of 100 ($764 per year)
Chubb scored best overall for its combined affordability, excellent customer satisfaction record and better claims management than 12 competitors.
If you’re affiliated with the military, USAA is also a highly recommended company for auto insurance. It received a MoneyGeek score of 85 out of 100, and with annual premiums averaging $636, it has the cheapest rates in Seattle.
How was this MoneyGeek score calculated?
Strong customer satisfaction and affordability scores.
Valuable and rare coverages like OEM (original equipment manufacturer) coverage.
Doesn't offer the same variety of coverages as other insurers.
Chubb’s strongest areas are customer service and affordability. With an average annual premium of $1,113 for full coverage in Seattle, it’s not the cheapest option, but certainly not the most expensive. Its unique version of standard diminished value coverage can benefit all vehicle owners.
Chubb doesn’t have many coverage options, but the ones it does offer are solid. For example, with OEM (original equipment manufacturer) coverage, Chubb will pay for original parts and procedures should your car need repairs after an accident. The point of OEM is to ensure the proper performance of your vehicle’s safety systems, so it’s a crucial add-on rarely offered by insurers.
Chubb also offers Agreed Value coverage, a unique form of diminished value coverage. With this addition to your policy, you agree to the value of your car when your policy is written so that in the event of a vehicular theft or accident that leaves your car totaled, Chubb will simply send you a check for the agreed amount. Customers with this add-on could save thousands in a covered loss.
Best Car Insurance in Seattle for Customer Service
Excluding cost from our scoring system, the best car insurance companies in Seattle for customer service are:
- Chubb: MoneyGeek score of 76 out of 100 ($1,113 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($764 per year)
Chubb is strongest in policyholder satisfaction and processing customer claims. Although Chubb has better service than the 12 other insurers we compared, its premiums are significantly more expensive than the runner-up and most competitors.
How was this MoneyGeek score calculated?
Excellent customer satisfaction.
Efficient claims management.
Lacking some essential coverages.
Chubb’s superb customer service is evident from J.D. Power studies and the National Association of Insurance Commissioners (NAIC) customer complaint index, but it’s missing some basic coverages.
In terms of add-on coverage, Chubb policyholders can purchase essentials like Rental Car Reimbursement Coverage, which lets you rent a car that is the same as or similar to one you own. This coverage goes up to $5,000 with no per diem limit. Another core coverage available from Chubb is OEM (original equipment manufacturer) coverage, which guarantees the insurer will pay for original parts and repair processes that are compatible with your vehicle model for enhanced safety and performance.
Chubb policyholders may also buy its diminished value coverage (Agreed Value), and there’s even a unique option for classic or vintage car owners. Still, this company doesn’t offer roadside assistance or gap insurance coverage, which could disappoint some drivers.
Best Cheap Car Insurance Companies in Seattle
Based on our analysis of affordability and service quality for auto insurance policies that only meet Washington state’s minimum coverage requirements, the best companies in Seattle are:
- Chubb: MoneyGeek score of 86 out of 100 ($490 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($347 per year)
Minimum coverage policies may have the cheapest premiums, but they offer little protection against liability costs and no coverage for damages to your vehicle after an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $490 per year.
Excellent customer service.
Above-average for claims processing.
No discounts for car insurance.
Only offers two out of four essential coverages.
Customers rarely report issues with Chubb’s quality service and affordable policies, meaning you’ll get excellent value for your money with this insurer. Unfortunately, Chubb doesn’t offer any car insurance policy discounts, but its lower premiums keep its policies relatively inexpensive — cheaper than eight competitors.
One distinguishing feature is Chubb’s classic car insurance, eligible to drivers with hobby vehicles at least 30 years old. If you need to insure a vintage car for exhibition, collection or similar uses, Chubb’s affordable, high-quality minimum coverage classic car insurance might be just what you need.
Average Cost of Car Insurance in Seattle
Our data shows that the average cost of car insurance in Seattle is $1,271 per year, which is $102 more than the average cost of insurance for Washington state ($1,169 per year) but only $6 more expensive than the national average ($1,265 per year) as of October 2022. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
So although car insurance in Washington state is cheaper, on average, than the country as a whole, denser population centers like Seattle tend to be more expensive than the rest of their state. Nevertheless, location is only one of many factors affecting car insurance rates.
About Mark Fitzpatrick