$1,336

The average Seattleite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

214

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

See How Much You Can Save in Seattle

Click below to get free quotes in seconds!

Start Saving Now!
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 Cheap
98126 98106 98144 98108 98118
98110 98117 98107 98199 98155

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

Seattle Driving Conditions

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

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

149

Rainy Days a Year

38"

Avg. Annual Rainfall

5"

Avg. Annual Snowfall

Car Insurance Companies in Seattle

Find Local Seattle Agents

DeFranco Insurance

5215 Wilson Ave S Seattle, WA 98118

JMN Insurance Brokerage, Inc.

5608 49th Ave SW Seattle, WA 98136

Northwest Insurance Group LLC

6055 California Ave Sw Seattle, WA 98136

Click below to get free quotes in seconds!

Ready to get car insurance, Seattle?

Start Saving Now!

Recent Questions:

Seattle Car Insurance

Which part of my policy will cover my vehicle after a hit-and-run?

Jan 31, 2017

I was parked on the side of the road and my car was hit. My two passenger side doors are ...

Does car insurance cover vandalism?

Jun 17, 2016

I parked downtown to go to dinner one night and when I returned to my car, my window had been ...

Additional Resources:

Seattle Car Insurance

Zipcar vs. car2go: Which Car Sharing Service is King?
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017

Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...

Safety Recalls in the Sharing Economy: Should You Be Worried?
Safety Recalls in the Sharing Economy: Should You Be Worried?
May 03, 2017

If you have a new car, or a new baby (with the accompanying new-baby gear), or a new fancy appliance,...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

6 Myths About Speeding Tickets Debunked
6 Myths About Speeding Tickets Debunked
Oct 17, 2016

Speeding tickets: the source of stress and financial setbacks (fines, points, insurance increases), occasional bragging rights (ever gotten out of...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

No Car, No Problem: Short Commute Alternatives
No Car, No Problem: Short Commute Alternatives
Sep 22, 2016

Most working-aged adults commute to work each day, and many students also share the daily commuting grind. Most Americans rely...

The Classic Spring Break Road Trip, Reimagined
The Classic Spring Break Road Trip, Reimagined
Mar 15, 2016

Goodbye winter, hello spring! And with this season’s promise of a return to warmth and sunshine comes a little gift...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

The Latest on Marijuana & Driving
The Latest on Marijuana & Driving
Jan 13, 2016

Marijuana legalization is gradually taking root throughout the U.S. as more states loosen restrictions on the formerly outlawed substance. Now,...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Texting and Driving and Car Insurance! Oh My!
Texting and Driving and Car Insurance! Oh My!
Nov 05, 2015

The fact that texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and...

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

Are 1 in 7 Drivers Forced to Drive Illegally?
Are 1 in 7 Drivers Forced to Drive Illegally?
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Bike Safety: How to Share the Road with Cyclists
Bike Safety: How to Share the Road with Cyclists
May 18, 2015

It has arrived, ladies and gentlemen. And no, I don’t mean the ACL lineup. That’s right, May is National Bike...

How Marijuana Legalization Has Affected Driving
How Marijuana Legalization Has Affected Driving
Apr 20, 2015

As of November 9, 2016, there are 28 states and the District of Columbia that have legalized marijuana in some...

Metromile and Uber: An Insurance Solution?
Metromile and Uber: An Insurance Solution?
Jan 29, 2015

We’ve written about Metromile and we’ve written about the insurance gap for rideshare drivers, but this week brought an interesting...

Metromile: Pay-As-You-Drive Insurance
Metromile: Pay-As-You-Drive Insurance
Aug 27, 2014

Insurance innovation alert: What if you could pay an insurance rate based only on the actual miles you drive each...