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 Average||State Average||National Average|
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/Violation||Average Insurance Rate|
|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 Level||Average Auto Insurance Rate|
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
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/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
5215 Wilson Ave S, Seattle, WA 98118
WAFD Insurance Group Inc
611 S Jackson St, Seattle, WA 98104
Don Swanson Insurance Inc
4711 44th AVE SW, Seattle, WA 98116
AAA Insurance Agency
4734 42nd Ave SW, Seattle, WA 98116
Seattle Insurance Agency, Inc.
4813 Califfornia Ave SW, Seattle, WA 98116
8636 45th Ave. NE, Seattle, WA 98115
Premier Group Ins
4704 Rainier Ave S, Seattle, WA 98118
Bravo Insurance Company, LLC
502 Rainier Ave S, #206, Seattle, WA 98144
Gurry & Rogers Insurance
1200 Fifth Ave #1825, Seattle, WA 98101
Merrill & Merrill
9259 57TH AVE S, SEATTLE, WA 98118
JMN Insurance Brokerage, Inc.
5608 49th Ave SW, Seattle, WA 98136
Ogishima Ins Agcy
2535 Beacon Ave S, Seattle, WA 98144
925 4th Avenue, Ste 3200, Seattle, WA 98104
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