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 Average||State Average||National Average|
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 Violation||Average Insurance Rate|
|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/Gender||Average Rate|
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
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
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 Codes98126 98106 98144 98108 98118
Cheap Zip Codes98110 98117 98107 98199 98155
Be Prepared For
Driving in the Emerald City
Major HighwaysI-5 I-90 I-405
Toll RoadsSR 520 Bridge I-405 Express Lanes
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
Find Local Seattle Agents
AAA Insurance Agency
4734 42nd Ave SW Seattle, WA 98116
5215 Wilson Ave S Seattle, WA 98118
925 4th Avenue, Ste 3200 Seattle, WA 98104
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Our customer's average savings after comparing insurance
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Seattle Car Insurance
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