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.
CAR INSURANCE: SEATTLE RATES VS. STATE + NATIONAL AVERAGES
|Seattle Average (per year)||Washington Average||National Average|
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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 quotes specific to your unique driving profile.
SEATTLE AUTO INSURANCE RATES BY COMPANY
|Company||Average Rate (annual)|
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.
SEATTLE AUTO INSURANCE COSTS BY AGE
|Age tier||Average Annual Rate|
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.
SEATTLE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
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.
SEATTLE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Yearly Rate|
|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|
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.
SEATTLE AUTO INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Annual Rate|
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 HighwaysI-5 I-90 I-405
Toll RoadsSR 520 Bridge I-405 Express Lanes
Car Insurance Companies in Seattle
Find Local Seattle Agents
Merrill & Merrill
9259 57TH AVE S, SEATTLE, WA 98118
5215 Wilson Ave S, Seattle, WA 98118
Northwest Insurance Group LLC
6055 California Ave Sw, Seattle, WA 98136
WAFD Insurance Group Inc
611 S Jackson St, Seattle, WA 98104
JMN Insurance Brokerage, Inc.
5608 49th Ave SW, Seattle, WA 98136
8636 45th Ave. NE, Seattle, WA 98115
Premier Group Ins
4704 Rainier Ave S, Seattle, WA 98118
925 4th Avenue, Ste 3200, Seattle, WA 98104
Seattle Insurance Agency, Inc.
4813 Califfornia Ave SW, Seattle, WA 98116
Bravo Insurance Company, LLC
502 Rainier Ave S, #206, Seattle, WA 98144
Gurry & Rogers Insurance
1200 Fifth Ave #1825, Seattle, WA 98101
Don Swanson Insurance Inc
4711 44th AVE SW, Seattle, WA 98116
Ogishima Ins Agcy
2535 Beacon Ave S, Seattle, WA 98144
AAA Insurance Agency
4734 42nd Ave SW, Seattle, WA 98116
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