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.

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.

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%.

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.

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.

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

Major Highways
I-5 I-90 I-405
Toll Roads
SR 520 Bridge I-405 Express Lanes
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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Find Local Seattle Agents

Bravo Insurance Company, LLC

502 Rainier Ave S, #206 Seattle, WA 98144

DeFranco Insurance

5215 Wilson Ave S Seattle, WA 98118

WAFD Insurance Group Inc

611 S Jackson St Seattle, WA 98104

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The average Seattleite's annual cost of coverage


Our customer's average savings after comparing insurance


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

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