Cheapest Car Insurance in Seattle (2022)

The cheapest full-coverage auto insurance rates in Seattle: State Farm at $105 a month and GEICO at $116.

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State Farm and GEICO offer the cheapest car insurance in Seattle, beginning with minimum-coverage rates averaging $61 and $71 a month, respectively. However, if you’re in the military community, you may qualify for a lower rate with USAA. Since price is important, here’s what you need to know about finding cheap car insurance in Seattle.

In this article

Who offers the cheapest car insurance in Seattle?

Our in-depth analysis of Seattle car insurance quotes shows that State Farm and GEICO generally offer the cheapest car insurance to most drivers, including those with clean records, prior tickets or an accident history, as well as seniors and teens.

USAA actually offers the lowest rates for many of the driver profiles we analyzed, but it is only available to current and former members of the military and their families.

Mutual of Enumclaw, a regional company headquartered about 40 miles southeast of Seattle, beats more than half of the national brands in our analysis on price.

Cheapest car insurance for Seattle drivers with a clean record

State Farm offers the cheapest car insurance to Seattle drivers with a clean record, charging an average $61 a month for minimum coverage and $105 a month for full coverage.

The next-best non-USAA rates are available from GEICO and Mutual of Enumclaw. GEICO’s rates average $71 a month for minimum coverage and $116 a month for full coverage. Mutual of Enumclaw charges $87 a month for minimum coverage and $129 a month for full coverage.

Cheapest minimum-coverage car insurance in Seattle
Company Average annual rate Average monthly rate
State Farm $734 $61
GEICO $847 $71
Mutual of Enumclaw $1,047 $87
City average $1,183 $99
Allstate $1,302 $108
Progressive $1,476 $123
American Family $1,537 $128
Farmers $1,878 $157
USAA* $646 $54
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.
Cheapest full-coverage car insurance in Seattle
Company Average annual rate Average monthly rate
State Farm $1,262 $105
GEICO $1,394 $116
Mutual of Enumclaw $1,550 $129
City average $1,866 $156
Allstate $2,122 $177
American Family $2,154 $179
Progressive $2,341 $195
Farmers $2,916 $243
USAA* $1,193 $99
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.

Minimum coverage in Seattle meets Washington state’s 25/50/10 car insurance requirements, which include the following coverages and limits:

  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $10,000 per accident

A full-coverage policy includes higher-than-minimum liability limits, as well as collision and comprehensive coverages. Collision and comprehensive coverages, which pay for damages to your car, are optional under state laws, but both are typically required for a car loan or lease.

In Seattle and elsewhere in Washington state, insurance agents are required to offer uninsured/underinsured motorist (UM/UIM) coverage and personal injury protection (PIP).

  • UM/UIM covers injuries you and/or your passengers suffer in an accident caused by an uninsured driver, or one without enough insurance to cover all your medical bills.
  • PIP covers injuries you and your passengers suffer in an accident regardless of fault, as well as lost wages and other costs.

Though UM/UIM and PIP are highly recommended and usually don’t add too much to the cost of your policy, you can decline either or both.

Find cheap car insurance from top Seattle companies

Cheapest car insurance for Seattle drivers with a ticket or accident

State Farm and GEICO offer the cheapest insurance to Seattle drivers with a speeding ticket, with both charging about $116 a month for full coverage, while State Farm’s rate of $126 a month is cheapest for those with an accident history.

The next-best rates for drivers with an accident history are available from USAA, $139 a month, and GEICO, $168 a month.

Cheapest car insurance for Seattle drivers with a speeding ticket
Company Average annual rate Average monthly rate
State Farm $1,390 $116
GEICO $1,394 $116
Mutual of Enumclaw $1,894 $158
City average $2,254 $188
Allstate $2,331 $194
American Family $2,659 $222
Progressive $3,155 $263
Farmers $3,810 $317
USAA* $1,402 $117
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.
Cheapest car insurance for Seattle drivers with an accident history
Company Average annual rate Average monthly rate
State Farm $1,517 $126
GEICO $2,014 $168
Mutual of Enumclaw $2,128 $177
City average $2,742 $229
Allstate $3,090 $257
American Family $3,375 $281
Progressive $4,033 $336
Farmers $4,108 $342
USAA* $1,673 $139
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.

Cheapest car insurance for Seattle drivers with a DUI

State Farm offers the cheapest rates to Seattle drivers with a DUI, $126 a month for full coverage, followed by American Family, $222 a month, and Mutual of Enumclaw, $228 a month.

In Seattle, a DUI raises the average price of car insurance by 54% to $240 a month for full coverage.

Cheapest car insurance for Seattle drivers with a DUI
Company Average annual rate Average monthly rate
State Farm $1,390 $116
American Family $2,659 $222
Mutual of Enumclaw $2,732 $228
Progressive $2,771 $231
Allstate $2,800 $233
City average $2,874 $240
GEICO $3,325 $277
Farmers $4,807 $401
USAA* $2,509 $209
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.

What is the average cost of car insurance in Seattle?

The average cost of car insurance for a typical driver in Seattle is $99 a month for a minimum-coverage policy and $156 a month for full coverage.

For comparison, the average price of full-coverage car insurance in neighboring cities ranges from $141 a month in Bellevue to $162 a month in Federal Way. The average statewide rate for full-coverage car insurance in Washington is $146 a month.

Average monthly car insurance costs in Seattle and neighboring cities
City Minimum coverage Full coverage
Bellevue $90 $141
Everett $93 $144
Federal Way $104 $162
Renton $101 $157
Seattle $99 $156
Tacoma $101 $158
Washington state average $92 $146
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance for Seattle teens and seniors

State Farm offers the cheapest car insurance to Seattle teens and seniors, while GEICO and USAA offer the next-best rates to drivers in each of these age groups, though not always in the same order.

Cheapest car insurance for Seattle teens

State Farm offers the cheapest car insurance to Seattle teens, charging 18-year-olds $166 a month for minimum-coverage policies and $308 a month for full coverage.

USAA’s minimum-coverage rate of $202 a month for 18-year-olds beats GEICO, $208 a month, but GEICO’s full-coverage rate of $346 a month is lower than USAA’s rate of $393 a month.

Teens have the highest crash rates among all age groups, and this is the main reason why teen drivers are charged such high insurance rates. If you are a teen, you can typically get a lower car insurance rate by being added to the policy of a parent or guardian. 

Cheapest minimum-coverage car insurance for 18-year-olds
Company Average annual rate Average monthly rate
State Farm $1,996 $166
GEICO $2,491 $208
Mutual of Enumclaw $2,942 $245
American Family $3,189 $266
City average $3,421 $285
Allstate $3,814 $318
Progressive $4,383 $365
Farmers $6,121 $510
USAA* $2,429 $202
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.
Cheapest full-coverage car insurance for 18-year-olds
Company Average annual rate Average monthly rate
State Farm $3,692 $308
GEICO $4,154 $346
Mutual of Enumclaw $4,364 $364
American Family $4,796 $400
City average $5,655 $471
Allstate $7,279 $607
Progressive $7,930 $661
Farmers $8,299 $692
USAA* $4,722 $393
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.

Cheapest car insurance Seattle senior citizens

State Farm offers the cheapest average rates to Seattle’s senior citizen drivers, charging 65-year-olds an average of $56 a month for minimum coverage and $96 a month for full coverage.

The next-cheapest minimum coverage rates for 65-year-olds are available from USAA, $58 a month, and GEICO, $62 a month. After State Farm, GEICO and USAA are in a virtual tie with the next-best full-coverage rates for 65-year-olds, $101 a month.

Senior citizens have slightly higher crash rates than middle-aged drivers, and this is the main reason why you may see your insurance rates climb as you reach your retirement years.

Many insurance companies offer discounts to seniors who complete an approved driver-safety course. Depending on your insurance company, you may be able to complete the course online.

Cheapest minimum-coverage car insurance for 65-year-olds
Company Average annual rate Average monthly rate
State Farm $674 $56
GEICO $743 $62
Mutual of Enumclaw $1,001 $83
City average $1,216 $101
Allstate $1,421 $118
Progressive $1,548 $129
American Family $1,655 $138
Farmers $1,990 $166
USAA* $698 $58
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.
Cheapest full-coverage car insurance for 65-year-olds
Company Average annual rate Average monthly rate
State Farm $1,150 $96
GEICO $1,206 $101
Mutual of Enumclaw $1,476 $123
City average $1,853 $154
American Family $2,228 $186
Allstate $2,268 $189
Progressive $2,391 $199
Farmers $2,892 $241
USAA* $1,212 $101
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to military members and their families.

Compare quotes to save on car insurance

How can I save money on car insurance in Seattle?

The best ways for Seattle drivers to save money on car insurance include comparing quotes from multiple companies, taking advantage of discounts and considering higher deductibles.

Comparing quotes

Insurance companies each place different weights on the various factors they use to determine your rate, including your age, address, vehicle and driving history. As you obtain and compare quotes from multiple companies, you may discover that you qualify for a considerably lower rate with one company than you do with others.

Discounts

Insurance companies each also manage their discounts differently. For example, most reduce your rates when you bundle your car insurance with a home or renters policy, but some companies offer steeper bundling discounts than others.

Meanwhile, some companies offer discounts to new customers who have avoided recent claims and/or those who have been with the same company for a certain number of years. Some offer discounts based on your occupation, education level or other factors.

Since the savings can add up, don’t be shy when it comes to asking about all the discounts you may be eligible to receive.

Deductibles

Choosing the highest collision and comprehensive deductibles you can reasonably afford is an easy way to bring down the price of full-coverage car insurance.

Since these deductibles reflect the amount you pay on repairs to your own car before insurance funds kick in, you don’t want them to be too high. However, you are likely to be pleased by the amount of money you can save when you hike your deductibles, particularly your collision deductible, to the upper end of your comfort level.

Frequently asked questions about car insurance in Seattle?

Is car insurance expensive in Seattle?

The average rate for full-coverage car insurance in Seattle is $156 a month, which is 14% less expensive than the average national rate of $178 a month.

Is car insurance mandatory in Seattle?

Washington state laws require Seattle motorists to carry liability insurance with bodily injury limits of at least $25,000 per person and $50,000 per accident and a property damage limit of at least $10,000. Insurance agents are required to offer uninsured/underinsured motorist coverage and personal injury protection. Though the latter two are highly recommended, you can decline them both.

Does standard car insurance cover rideshare drivers?

Standard car insurance does not cover injuries or damage from an accident that occurs while you are driving for a rideshare service such as Uber or Lyft, or waiting to pick up a ride while you are on duty. However, many insurance companies offer a rideshare endorsement that covers gaps between your own insurance coverage and the transportation network’s policy.

Methodology

We obtained non-binding quotes for a typical driver in every Seattle ZIP code through Quadrant Information Services for the largest insurance companies serving the city. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage insurance rates are based on a policy meeting Washington state’s minimum requirements for liability coverage.

Full-coverage policies meet the minimum requirements for uninsured motorist coverage and include the following additional coverages, limits and deductibles:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision coverage: $500 deductible
  • Comprehensive coverage: $500 deductible

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