Car Insurance in Seattle

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.

Your car insurance rates depend on your driving record, credit score and other personal factors that make your situation unique.

Car insurance prices vary by age 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)
• Most Affordable Car Insurance for Adults: State Farm (from $48 per month)
• Lowest Cost Car Insurance for Seniors: State Farm (from $56 per month)

State Farm and Geico provide the most affordable car insurance, with monthly rates starting at $103 and $129, respectively.

In Seattle, adult drivers (26 to 64) pay the lowest rates with State Farm, saving drivers around 28%. Geico and Farmers are also among the affordable providers for this age group.

For Seattle seniors aged 65 and up, State Farm offers the lowest-cost minimum coverage at $56 per month ($677 annually). Geico offers the lowest full coverage rates at $136 per month ($ 1,632 per year).

These insurance companies offer the lowest rates in Seattle for high-risk drivers:

• 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)

National General offers the 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.

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.

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.

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.

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.

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.

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.

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.

Seattle drivers have some of the highest car insurance rates in Washington state, and finding affordable coverage can feel overwhelming.

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.

Seattle drivers face higher insurance costs than much of Washington due to congested traffic on I-5, elevated accident rates in downtown corridors, and above-average vehicle theft in King County. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in one of the state's most expensive insurance markets.

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.

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.

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.

We evaluated insurers across three weighted categories: 

Affordability (60%), comparing quotes for common driver profiles to local competition, 

Customer Experience (30%) reviewing feedback from Google, J.D. Power, AM Best, and Reddit discussions about claims handling, and 

Coverage Options (10%) assessing available policy features, unique offerings, and included benefits.

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.