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What's the average car insurance rate in Seattle?

The average cost of car insurance in Seattle, Washington, is $1,665 per year. That's more expensive than the average in Washington ($1,368) and more expensive than the national average of $1,548. Our guide to car insurance in Seattle — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

Seattle Average (per year) Washington Average National Average
$1,665 $1,368 $1,548

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Seattle auto insurance rates by insurer

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Seattle's most affordable premiums. We've listed the best cheap car insurance companies in Seattle below. Use this information as a starting point and be sure to compare car insurance quotes specific to your unique driving profile.

Company Average Rate (annual)
USAA $1,036
PEMCO Insurance $1,154
State Farm $1,465
Progressive $1,519
Allstate $2,149

Consult our expert guide to finding the best cheap car insurance.

Seattle car insurance premiums by age

Seattle drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,467per year, on average. Those in their 60s don't pay significantly more ($1,530).

Teenage drivers pay Seattle's most expensive auto insurance rates. When drivers hit their 20s in Seattle and move out of the teenage age bracket, they reduce their premiums substantially. In Seattle, teenage drivers pay $7,460 — a full $5,931 more than the second-most expensive rate paid by an age group.

Age tier Average Annual Rate
Teenagers $7,460
20s $2,250
30s $1,628
40s $1,537
50s $1,467
60s $1,530
70s $1,964

Learn more about the impact of age on car insurance premiums.

Seattle car insurance rates by gender and marital status

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Seattle pay $78 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Seattle, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Seattle, female drivers pay $44 per year more than do male drivers.

Marital Status/Gender Average Annual Rate
Female $1,709
Male $1,665
Single $1,587
Married $1,587
Divorced $1,665
Widowed $1,639

Learn more about how gender and marital status have on insurance rates.

Seattle car insurance rates by accident and citation history

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Seattle drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $717 per year versus the city average. A ticket for speeding results in a $371 rate hike while a DWI or DUI violation costs $751per year in extra insurance expenditures.

Incident/Violation Average Yearly Rate
DWI/DUI $2,416
Reckless Driving $2,383
At-fault Accident (damages less than $1,000) $2,278
At-fault Accident (damages > $2,000) $2,472
Speeding Ticket (16-20 mph over speed limit) $2,036

Learn more about the impact of driving violations on car insurance rates.

Seattle car insurance rates by credit level

It's no secret credit score is closely correlated with auto insurance rates. In fact, Seattle drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Seattle, improving your credit to "Fair" corresponds with a $1,316 decrease in annual car insurance rates.

Credit Score Average Annual Rate
Very Poor $3,353
Fair $2,038
Good $1,665
Very Good $1,495
Exceptional $1,325

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Seattle?

Where you live in Seattle affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Seattle is no exception to the rule. From ZIP code 98110 to 98118, premiums rise by 39 percent—that's $410.

Expensive Seattle ZIP codes: 98126, 98106, 98144, 98108, 98118

Cheap Seattle ZIP codes: 98110, 98117, 98107, 98199, 98155

Seattle Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Seattle, you can expect 149 rainy days with an annual rainfall of 37.7 inches. Seattle is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the Emerald City

Major Highways
I-5 I-90 I-405
Toll Roads
SR 520 Bridge I-405 Express Lanes
Popular Day Trips
Mount Rainier Snoqualmie Falls Bainbridge Island

Find Local Seattle Agents

Propel Insurance-Seattle

925 4th Avenue, Ste 3200, Seattle, WA 98104

Premier Group Ins

4704 Rainier Ave S, Seattle, WA 98118

Merrill & Merrill

9259 57TH AVE S, SEATTLE, WA 98118

Bravo Insurance Company, LLC

502 Rainier Ave S, #206, Seattle, WA 98144

JMN Insurance Brokerage, Inc.

5608 49th Ave SW, Seattle, WA 98136

Don Swanson Insurance Inc

4711 44th AVE SW, Seattle, WA 98116

Northwest Insurance Group LLC

6055 California Ave Sw, Seattle, WA 98136

AAA Insurance Agency

4734 42nd Ave SW, Seattle, WA 98116

WAFD Insurance Group Inc

611 S Jackson St, Seattle, WA 98104

Ogishima Ins Agcy

2535 Beacon Ave S, Seattle, WA 98144

Gurry & Rogers Insurance

1200 Fifth Ave #1825, Seattle, WA 98101

Seattle Insurance Agency, Inc.

4813 Califfornia Ave SW, Seattle, WA 98116

DeFranco Insurance

5215 Wilson Ave S, Seattle, WA 98118

NRG Insurance

8636 45th Ave. NE, Seattle, WA 98115


The average Seattleite's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 214 cups of coffee or $534 in savings

See How Much You Can Save in Seattle

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.