Car Insurance in Seattle
It is known that Seattle has expensive premiums, as its mean premium is 20% higher than Washington's average. So in Seattle, it is critical to save while insuring a vehicle. Going over some ways to save on Seattle car insurance can save you some hard-earned money.
- City Average: $1,390
- State Average: $1,160
- National Average: $1,427
Seattle Car Insurance by Age
When drivers reach their 20s in Seattle, therefore moving out of the teenage age bracket, they reduce their premiums by $3,869. It is the biggest difference between any age group. Turning 60 triggers an increase in rates, but up until that point drivers can expect premium reductions when they move between age groups. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,230 per year. However, those in their 60s ($1,268) aren’t paying significantly more. With average payments of $5,738, teenage drivers are the ones who pay the most in car insurance premiums.
- Teenagers: $5,738
- 20s: $1,869
- 30s: $1,364
- 40s: $1,297
- 50s: $1,230
- 60s: $1,268
- 70s: $1,608
Seattle Car Insurance by Accident or Violation History
Does your driving record show a history of accidents or violations? That can influence your premiums. Reckless driving will increase your car insurance premiums more than other driving violations. $674 is the extra cost per year for drivers with a DUI in Seattle, compared to the city average of $1,390. Reckless driving will also drive your premiums up, with average rates of $2,180. That is 57% higher than the city average! If you are found at-fault in an accident in Seattle, you can expect your yearly car insurance premiums to increase by 32%.
- DUI: $2,064
- Reckless Driving: $2,180
- At-fault Accident (damages less than $1000): $1,839
- At-fault Accident (damages greater than $2000): $1,839
- Speeding Ticket (16-20 mph over speed limit): $1,642
Seattle Car Insurance by Credit Rating
Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of 2.3x more for car insurance than those in the top credit tier (800-850). The greatest benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $280 per year.
- Very Poor: $2,665
- Fair: $2,169
- Good: $1,771
- Very Good: $1,460
- Exceptional: $1,180
Seattle Car Insurance by Gender and Marital Status
There are many factors, including gender and marital status, that come into play when determining car insurance premiums in Seattle. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save $61 per year if you're married as opposed to single. On average, males have premiums that are 2% cheaper than those for females.
- Female: $1,418
- Male: $1,390
- Single: $1,390
- Married: $1,329
- Divorced: $1,390
- Widowed: $1,366
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
925 4th Avenue, Ste 3200 Seattle, WA 98104
Gurry & Rogers Insurance
1200 Fifth Ave #1825 Seattle, WA 98101
AAA Insurance Agency
4734 42nd Ave SW Seattle, WA 98116
Ogishima Ins Agcy
2535 Beacon Ave S Seattle, WA 98144
Premier Group Ins
4704 Rainier 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
5215 Wilson Ave S Seattle, WA 98118
Don Swanson Insurance Inc
4711 44th AVE SW Seattle, WA 98116
WAFD Insurance Group Inc
611 S Jackson St Seattle, WA 98104
Seattle Insurance Agency, Inc.
4813 Califfornia Ave SW Seattle, WA 98116
Northwest Insurance Group LLC
6055 California Ave Sw Seattle, WA 98136
Merrill & Merrill
9259 57TH AVE S SEATTLE, WA 98118
8636 45th Ave. NE Seattle, WA 98115
Click below to get free quotes in seconds!
Ready to get car insurance, Seattle?
The average Seattleite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Seattle
Click below to get free quotes in seconds!Start Saving Now!
Seattle Car Insurance
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?
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
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
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?
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
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
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?
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
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
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!
Nov 05, 2015
That texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and texting is...
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...
How to Get Car Insurance for Undocumented Citizens
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...
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?
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
Aug 27, 2014
Insurance innovation alert: What if you could pay an insurance rate based only on the actual miles you drive each...