What's the Average Cost of Car Insurance in Seattle?


Seattle premiums exceed the state average by $230, which is why the city is known for its costly premiums. Review our ways to save on Seattle car insurance and save some hard-earned money.


CAR INSURANCE RATES: SEATTLE VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$1,390$1,160$1,427


Seattle Car Insurance by Violation or Accident History


Being knowledgable about which driving mishaps can balloon the price of premiums will help you make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. Generally, a DUI in Seattle will cost you 48% more in car insurance premiums versus the city average of $1,390. Reckless driving will also drive your premiums up, with average rates of $2,180, which are 57% higher than the city average! In Seattle, those who are found at-fault in an accident pay $449 more than the city average on car insurance each year.


AVERAGE SEATTLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI$2,064
Reckless Driving$2,180
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


Car insurance premiums in Seattle are impacted by marital status as well as gender. You spend roughly 5% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums for men and women usually differ by 2%, with women paying more.


SEATTLE AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,418
Male$1,390
Single$1,390
Married$1,329
Divorced$1,390
Widowed$1,366


Seattle Auto Insurance by Credit Score


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,485 every year on car insurance. Drivers can save nearly $280 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


SEATTLE CAR INSURANCE RATES BY CREDIT LEVEL
CreditAverage Rate
Very Poor$2,665
Fair$2,169
Good$1,771
Very Good$1,460
Exceptional$1,180


Seattle Auto Insurance by Age

When you look across all age groups, drivers in their 50s have the smallest car insurance payments. Their rates generally average $1,230. However, those in their 60s ($1,268) also have relatively low premiums. Teenage drivers have the biggest premiums amongst all the age groups. They have typical car insurance payments of $5,738. The most significant dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Seattle start seeing a reduction in premiums of 67%. The first time drivers can expect their age to trigger an increase in insurance rates is when they turn 60.


SEATTLE CAR INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$5,738
20s$1,869
30s$1,364
40s$1,297
50s$1,230
60s$1,268
70s$1,608


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 Zip Codes

98126   98106   98144   98108   98118  

Cheap Zip Codes

98110   98117   98107   98199   98155  

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

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

Find Local Seattle Agents

AAA Insurance Agency

4734 42nd Ave SW Seattle, WA 98116

DeFranco Insurance

5215 Wilson Ave S Seattle, WA 98118

Propel Insurance-Seattle

925 4th Avenue, Ste 3200 Seattle, WA 98104

2

$1,336

The average Seattleite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

214

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

See How Much You Can Save in Seattle

Just enter your zip code to get started


Recent Questions:

Seattle Car Insurance

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

Jan 23, 2019

The homeowner across from my alley has a driveway that they rent to a tenant. The tenant ran into my ...