Key Takeaways
- State Farm has the most affordable rates in Seattle, charging $69 a month for minimum coverage and $118 a month for full coverage.
- On average, Seattle drivers pay $163 a month for full-coverage insurance — a good bit more than the statewide average cost of $131 a month.
- GEICO is the cheapest option for drivers with a speeding ticket at $122 a month.
In this article
The cheapest car insurance companies in Seattle, WA
For most drivers, State Farm is the cheapest car insurance company in Seattle. State Farm offers the best rates for:
- Full and minimum coverage
- Drivers with accidents or DUIs
- Young drivers
- Married drivers
GEICO has Seattle’s cheapest car insurance for drivers with a speeding ticket on their records, though. It also offers competitively affordable rates in other driver and coverage categories.
To find out if State Farm, GEICO or some other provider has the best rates for you, compare auto insurance quotes from several companies.
Washington car insurance state minimums
Drivers in Washington must hold liability car insurance that meets the following state-required minimums:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
Additionally, drivers may add option coverages for instances such as:
- Uninsured or underinsured motorists
- Towing costs
- Rental fees
Cheapest minimum-coverage auto insurance rates in Seattle: State Farm
State Farm offers the lowest rates in Seattle for minimum-coverage car insurance, charging $69 a month, on average.
Citywide, the average cost of minimum-coverage insurance is $105 a month, meaning State Farm’s rates are 34% cheaper.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $69 |
| GEICO | $72 |
| Mutual of Enumclaw | $89 |
| Allstate | $124 |
| American Family | $129 |
| Progressive | $134 |
| Farmers | $172 |
| USAA* | $50 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Find out how much you could save on car insurance
Cheapest full-coverage auto insurance rates in Seattle: State Farm
State Farm also leads the way in Seattle for cheap full-coverage auto insurance, with an average monthly rate of $118.
The average full-coverage car insurance rate in Seattle is $163 a month, meaning State Farm offers a 28% discount.
Full-coverage car insurance typically includes liability, collision and comprehensive coverages. It’s worth noting that no state requires full coverage, although some lenders and lessors do.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $118 |
| GEICO | $122 |
| Mutual of Enumclaw | $130 |
| American Family | $179 |
| Allstate | $196 |
| Progressive | $209 |
| Farmers | $261 |
| USAA* | $93 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance in Seattle for drivers with bad credit: State Farm
Drivers with bad credit should head to State Farm for cheap auto insurance, as it offers a city-best rate of $118 a month.
Often, drivers with bad credit pay more for car insurance, but in Seattle, the top rate — from State Farm — is the same as it is for drivers with good credit.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $118 |
| GEICO | $122 |
| Mutual of Enumclaw | $130 |
| American Family | $179 |
| Progressive | $209 |
| Farmers | $261 |
| Allstate | $312 |
| USAA* | $93 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
GEICO and State Farm offer the cheapest car insurance for drivers with a prior incident on their records. GEICO leads the way for drivers with a speeding ticket, while State Farm tops the list for those with accidents or DUIs.
Cheapest for drivers with a speeding ticket: GEICO
Drivers with a speeding ticket will find the most affordable car insurance at GEICO. For full coverage, the provider charges an average $122 a month.
Citywide, drivers with a speeding ticket pay $196 a month, on average, for full-coverage car insurance. That’s 20% more than the average for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $122 |
| State Farm | $129 |
| Mutual of Enumclaw | $159 |
| Allstate | $215 |
| American Family | $220 |
| Progressive | $278 |
| Farmers | $332 |
| USAA* | $110 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: State Farm
State Farm has the cheapest car insurance rates for drivers with an at-fault accident on their record. The company charges them an average rate of $141 a month.
Our research shows that accidents have a major impact on a driver’s insurance rates, increasing their premium by 45% on average.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $141 |
| Mutual of Enumclaw | $179 |
| GEICO | $180 |
| American Family | $279 |
| Allstate | $286 |
| Progressive | $351 |
| Farmers | $358 |
| USAA* | $130 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
Cheap car insurance can be hard to find with a DUI on your record, but such drivers will find the best deal at State Farm, based on our data. It offers drivers with a DUI full-coverage car insurance for an average $129 a month – by far the best price in our survey.
The citywide average for drivers with a DUI is $249 a month. That’s 53% more than what drivers with a clean record pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $129 |
| American Family | $220 |
| Mutual of Enumclaw | $229 |
| Progressive | $246 |
| Allstate | $258 |
| GEICO | $301 |
| Farmers | $415 |
| USAA* | $195 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for senior drivers: State Farm
Senior drivers will also get the lowest car insurance rates from State Farm, which charges $107 a month, on average.
In many cases, seniors pay less for car insurance because they’re seen as being experienced, safe drivers, and therefore cheap to insure. That’s true in Seattle, where the average rate for seniors is $157 a month, a few dollars less than what a 35-year-old would pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $107 |
| GEICO | $111 |
| Mutual of Enumclaw | $122 |
| American Family | $187 |
| Allstate | $200 |
| Progressive | $200 |
| Farmers | $235 |
| USAA* | $94 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Get cheap car insurance in Seattle
Cheapest car insurance for young drivers: State Farm
State Farm offers the most affordable car insurance coverage for young drivers. The company’s average rate for minimum coverage is $175 a month, while it charges $314 for full coverage.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $175 | $314 |
| GEICO | $202 | $347 |
| Mutual of Enumclaw | $242 | $355 |
| American Family | $264 | $390 |
| Progressive | $353 | $627 |
| Allstate | $356 | $652 |
| Farmers | $473 | $647 |
| USAA* | $173 | $340 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: State Farm
Married drivers should head to State Farm for cheap auto insurance. There, they’ll find a city-leading monthly rate of $118 a month for full coverage.
Married drivers often pay less for car insurance coverage than singles do. That fact is evident in Seattle’s rates, where the average married driver pays $155 a month — nearly $10 less than the average for single drivers.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $118 |
| GEICO | $119 |
| Mutual of Enumclaw | $125 |
| Progressive | $179 |
| American Family | $179 |
| Allstate | $196 |
| Farmers | $242 |
| USAA* | $83 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Washington
No-fault car insurance
Seattle is considered an “at-fault” (or tort) state as far as car insurance is concerned, meaning one or multiple drivers are ultimately deemed responsible for an accident. The driver deemed responsible will be obligated to cover at least a portion of the victim’s expenses.
Financial Responsibility Insurance Certificate (SR-22)
A Financial Responsibility Insurance Certificate, or SR-22 form, is a form confirming that you meet the state-required minimum car insurance coverages. In Washington, it’s only required for drivers with major traffic violations, DUIs or similar offenses.
Seattle car insurance: FAQs
State Farm has the most affordable car insurance in Seattle, charging $69 a month for minimum coverage and $118 for full coverage.
Seattle drivers, on average, pay $105 a month for minimum-coverage car insurance. The average cost of full-coverage car insurance is $163 a month.
State Farm has the lowest car insurance rates for Seattle drivers with bad credit, offering full coverage for an average $118 a month.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Seattle, Washington.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Seattle
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