How Much Are Car Insurance Rates in Seattle?


With so much natural beauty surrounding the city, it's common for many Seattleites to take to the roads for a weekend in the mountains or at the coast. But before you take off for Olympic National Park or Mt. Rainier, make sure that your car is covered. While still lower than the national average, car insurance premiums in Seattle are 24% higher than the state average. The state of Washington requires certain minimums of bodily injury liability and property damage liability in order to cover you in case you are in an accident.


If you are interested in finding cheap car insurance, knowing the different factors used to determine your insurance premiums can help. We've analyzed how auto insurance rates in Seattle compare to premiums nationwide and have given some tips for helping you make sure that you find the best policy to keep your vehicle insured.


AUTO INSURANCE COSTS: SEATTLE VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,453$1,176$1,569


Seattle Car Insurance for Drivers With At-Fault Accidents or Violations


A big determiner in how much your insurance coverage will cost is your driving record. Your insurance company will look closely at your driving history when putting your policy together. If you have a spotty record filled with accidents that caused property damage or bodily injury, or infractions such as moving violations, expect your coverage to cost more. Just how much can a poor driving record impact you car insurance premiums?


It may surprise you how much an at-fault accident or violation can raise your car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Seattle have rates $831 greater than the city average of $1,453. Reckless driving will also push your rates up, with average rates of $2,113. That is 45% higher than the city average. Insurance rates are influenced by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another 9% per year in premiums compared to an accident with damages less than $1,000. Essentially, if you are looking for cheap car insurance, keep your driving record as clean as possible.


AVERAGE SEATTLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Insurance Rate
DUI$2,284
Reckless Driving$2,113
At-fault Accident (damages less than $1,000)$1,920
At-fault Accident (damages greater than $2,000)$2,094
Speeding Ticket (16-20 mph over speed limit)$1,725


Seattle Auto Insurance by Credit Score


Your credit score can have a big impact on how much you pay for coverage. Car insurance companies have found that drivers with poor credit are more apt to file a claim than those with good credit. As such, if your credit history is less than stellar, your insurance company is likely to see you as a liability. This can lead to higher prices for your insurance policy. So how can drivers with poor credit ratings combat rising car insurance rates?


On surefire method of finding cheaper car insurance is to focus on repairing sub-par credit. Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 60% each year on car insurance. Drivers can save an average of 40% per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


SEATTLE CAR INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Auto Insurance Rate
Very Poor$2,930
Fair$1,763
Good$1,453
Very Good$1,304
Exceptional$1,161


Seattle Car Insurance Premiums by Age


It might come as no surprise that age can play a factor in how much an insurance company figures your rates. While there isn't much you can do about how old you are, knowing how an insurance provider sees each age group can help you in your quest for cheap car insurance.


Car insurance premiums are highest for teenage drivers, with average rates of $6,194 per year. The greatest decrease in premiums for Seattle drivers happens when they reach their 20s. Once out of the teenage age bracket, people save, on average, $4,911. Premiums in Seattle continue to trend downward up until drivers turn 60. Among all age groups, drivers in their 50s have the smallest car insurance premiums, with rates of $1,283/year. However, those in their 60s ($1,337) have premiums that aren't much higher.


SEATTLE CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$6,194
20s$1,961
30s$1,423
40s$1,356
50s$1,283
60s$1,337
70s$1,597


Seattle Car Insurance by Marital Status and Gender


Both gender and marital status are among the numerous driver attributes that can have an effect on car insurance premiums in Seattle. Usually, males have premiums that are 2% cheaper than those for females. Single individuals spend around $90 more per year on car insurance compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single.


SEATTLE CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,482
Male$1,453
Single$1,453
Married$1,367
Divorced$1,453
Widowed$1,427


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.

149

Rainy Days a Year

38"

Avg. Annual Rainfall

5"

Avg. Annual Snowfall

Be Prepared For

Driving in the Emerald City

2
Major Highways
I-5 I-90 I-405
2
Toll Roads
SR 520 Bridge I-405 Express Lanes
2
Popular Day Trips
Mount Rainier Snoqualmie Falls Bainbridge Island

Find Local Seattle Agents

Premier Group Ins

4704 Rainier Ave S Seattle, WA 98118

NRG Insurance

8636 45th Ave. NE Seattle, WA 98115

Propel Insurance-Seattle

925 4th Avenue, Ste 3200 Seattle, WA 98104

Don Swanson Insurance Inc

4711 44th AVE SW Seattle, WA 98116

Gurry & Rogers Insurance

1200 Fifth Ave #1825 Seattle, WA 98101

Seattle Insurance Agency, Inc.

4813 Califfornia Ave SW Seattle, WA 98116

Bravo Insurance Company, LLC

502 Rainier Ave S, #206 Seattle, WA 98144

JMN Insurance Brokerage, Inc.

5608 49th Ave SW Seattle, WA 98136

DeFranco Insurance

5215 Wilson Ave S Seattle, WA 98118

Merrill & Merrill

9259 57TH AVE S SEATTLE, WA 98118

WAFD Insurance Group Inc

611 S Jackson St Seattle, WA 98104

Ogishima Ins Agcy

2535 Beacon Ave S Seattle, WA 98144

Northwest Insurance Group LLC

6055 California Ave Sw Seattle, WA 98136

AAA Insurance Agency

4734 42nd Ave SW Seattle, WA 98116

2

$1,336

The average Seattleite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

214

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

See How Much You Can Save in Seattle

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Recent Questions:

Seattle Car Insurance

Do I need to register or insure my car in Washington if I have insurance that covers me from Canada while working?

You will need to contact the Department of Motor Vehicles for the state of Washington for information on registration. If you are required to register your car in Washington, then you would likely need a Washington insurance policy with your Seattle address.

Can the home owner be sued if their tenant caused damage to someone else?

No, the driver/owner of the car would be held responsible. If you have uninsured motorist coverage, you can have the damage to your car covered and you can file a claim on your homeowner's insurance for the damage to your garage door.

What documents do I need to buy a used car?

Yes, you will need to have insurance on this new vehicle to legally drive it in Washington. As for the documents to actually purchase the car, you will need: Ideally, a vehicle history report, owner’s manual and anything else that came with the vehicle. Smog test (if required by your state). Title (which requires the seller to go to the DMV or AAA office with you for registration). A bill of sale stating VIN (vehicle identification number), mileage, plate number, both the seller and buyer’s names and addresses, and the sale amount. Original title with seller’s current information on it.

What happens if I lie to my insurance company?

It really depends on your car insurance company. You might be able to get them to pay out the claim and they will non-renew your contract at the end of your policy or they could deny you altogether.