Best Auto Insurance Rates in Shoreline, Washington

On average, your neighbors pay $73 a month.

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Even though Shoreline, Washington, was only incorporated 20 years ago, it has all of the characteristics of an old, established city. For example, it offers residents—and visitors—a wide variety of transportation options, from ferries, to buses, to other forms of public transit.

As a result, this young city, which sits just north of Seattle, serves as the perfect home base for many Washington families. QuoteWizard wants to help those folks have an even more perfect existence by getting them perfect—or at least the best possible—car insurance rates.

Average Shoreline Car Insurance Rates

How much is car insurance in Shoreline, WA? Premiums can be expensive here. Many drivers pay much higher rates than the state and national average. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices may vary depending on your driving history and the number of claims filed in your zip code.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps Shoreline residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Shoreline, Washington and save up to 40% on your premium.

The company certainly has a lot of experience with that kind of thing. After all, last year many people used QuoteWizard to compare car insurance quotes in Shoreline, WA from multiple companies and get the lowest rates.

Best Car Insurance Companies in Shoreline, WA

This is our list of the most common car insurance companies reported by QuoteWizard users in Shoreline, Washington last year.

Top 10 Vehicles

These are the most common car makes and models owned by Shoreline, WA drivers requesting quotes through QuoteWizard last year.

  1. Toyota Camry LE/XLE
  2. Mazda Miata/LS
  3. Kia Soul
  4. Chevrolet Volt
  5. Chevrolet Tahoe Z71
  6. Chevrolet Traverse LS
  7. Dodge Neon SXT
  8. Volkswagen New Beetle GL
  9. Dodge Ram Pickup 1500 SLT
  10. Dodge Ram Pickup 2500 Tradesman
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Auto Insurance Requirements in Shoreline, WA

Shoreline, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Shoreline drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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The weather in Shoreline is similar to the rest of the Seattle metropolitan area. Short, warm summers are the norm, as are pleasantly mild winters. Residents bask in an average of 150 sunny days annually, and the average high temperature at the peak of summer nears 80 degrees. On the flip side, Shoreline can be a wet place to live. In a typical year, it sees about 40 inches of rain. In addition, some amount of precipitation falls on 158 out of 365 days. Little of that precip is snow, though, as only four inches of the white stuff accumulates each year.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roads here are in poor condition. The poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

TomTom ranked the Seattle metropolitan area fourth for worst traffic congestion in the US. An average commuter spends 39 extra minutes driving to or from work on roads that often are poorly maintained. In addition, it’s not unusual for I-5 to be at a standstill during rush hour, especially when the roads are wet.

Moving Violations

Moving violations including running red lights, accidents, and speeding tickets end up on your driver's license in the form of points. These points can remain on your license for as many as three years for each citation. When your insurer receives this information be prepared to pay higher rates.

Traffic Tickets

The King County District Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

Shoreline Police issued 3,349 traffic citations in 2016.

DUI Arrests

Shoreline Police arrested 123 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

Do you need an SR-22 form because you’ve been convicted of a DUI? Request a quote and we'll connect you with local insurance agents from top companies that specialize in Shoreline DUI insurance.

DWI Crashes and Injuries

Shoreline reported 26 crashes involving alcohol or drugs in 2018. These accidents caused seven injuries but no fatalities.

Car Accident Statistics

Shoreline officials reported 679 car crashes in 2018. These crashes resulted in 49 injuries, ten of them serious.

Traffic Fatalities

Shoreline Police reported one fatal collision in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 56,189 Shoreline, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Shoreline reported motor vehicle thefts in 2017. That's a rate of 3.13 thefts per 1,000 residents. This is well above the national average of 2.37 thefts auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the many car insurance discounts available depending on your insurer. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  4. Take a defensive driving course at an accredited driving safety school
  5. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more

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