How Much Are Car Insurance Rates in Seattle?
It is common knowledge that Washington has inexpensive premiums, as its mean rate sits under the national average by 19%. However, premiums run higher in the city, so cutting costs while insuring a vehicle in Seattle is critical. Who doesn't like saving money? Check out some ways to save on auto insurance in Seattle.
INSURANCE PREMIUMS: SEATTLE VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Seattle Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Seattle for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,485 a year. The greatest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $280 per year.
SEATTLE CAR INSURANCE COSTS BY CREDIT TIER
|Credit||Average Auto Insurance Rate|
Seattle Auto Insurance by Age Bracket
Teenage drivers have the largest premiums amongst all the age groups. They pay around $5,738 on car insurance premiums. At $1,230, drivers in their 50s have the lowest payments among any age group. Those in their 60s ($1,268) aren’t paying much more. In Seattle, when drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of $3,869. It is the biggest difference between any age group. Turning 60 causes an increase in car insurance premiums, but up until that point drivers can expect premium reductions when they progress from one age group to the next.
SEATTLE CAR INSURANCE RATES BY DRIVER AGE
Seattle Car Insurance by Violation or Accident History
Do you realize the impact an accident or violation can have on your car insurance premiums? Speeding 16-20mph above the speed limit can drive up your rates. Individuals with a speeding ticket on their driving record spend, on average, $252 more per year. If you are found at-fault in an accident in Seattle, you can expect your annual car insurance payments to grow by $449.
AVERAGE SEATTLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,839|
|At-fault Accident (damages greater than $2,000)||$1,839|
|Speeding Ticket (16-20 mph over speed limit)||$1,642|
Seattle Auto Insurance by Marital Status and Gender
In Seattle, both marital status and gender play a role in your auto insurance rates. People who are married save around $60 per year on car insurance compared to those who are single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single. Females have premiums that are approximately 2% more expensive than those for males.
SEATTLE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average 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 & 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.
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
Find Local Seattle Agents
Northwest Insurance Group LLC
6055 California Ave Sw Seattle, WA 98136
Seattle Insurance Agency, Inc.
4813 Califfornia Ave SW Seattle, WA 98116
Don Swanson Insurance Inc
4711 44th AVE SW Seattle, WA 98116
Merrill & Merrill
9259 57TH AVE S SEATTLE, WA 98118
Premier Group Ins
4704 Rainier Ave S Seattle, WA 98118
AAA Insurance Agency
4734 42nd Ave SW Seattle, WA 98116
Ogishima Ins Agcy
2535 Beacon Ave S Seattle, WA 98144
8636 45th Ave. NE Seattle, WA 98115
Bravo Insurance Company, LLC
502 Rainier Ave S, #206 Seattle, WA 98144
JMN Insurance Brokerage, Inc.
5608 49th Ave SW Seattle, WA 98136
Gurry & Rogers Insurance
1200 Fifth Ave #1825 Seattle, WA 98101
925 4th Avenue, Ste 3200 Seattle, WA 98104
WAFD Insurance Group Inc
611 S Jackson St Seattle, WA 98104
5215 Wilson Ave S Seattle, WA 98118
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Seattle Car Insurance
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