How Much Are Car Insurance Rates in Seattle?


It is common knowledge that Washington has inexpensive premiums, as its mean rate sits under the national average by 19%. However, premiums run higher in the city, so cutting costs while insuring a vehicle in Seattle is critical. Who doesn't like saving money? Check out some ways to save on auto insurance in Seattle.


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


Seattle Car Insurance by Credit Rating


The discrepancy between average car insurance premiums in Seattle for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,485 a year. The greatest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $280 per year.


SEATTLE CAR INSURANCE COSTS BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$2,665
Fair$2,169
Good$1,771
Very Good$1,460
Exceptional$1,180


Seattle Auto Insurance by Age Bracket

Teenage drivers have the largest premiums amongst all the age groups. They pay around $5,738 on car insurance premiums. At $1,230, drivers in their 50s have the lowest payments among any age group. Those in their 60s ($1,268) aren’t paying much more. In Seattle, when drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of $3,869. It is the biggest difference between any age group. Turning 60 causes an increase in car insurance premiums, but up until that point drivers can expect premium reductions when they progress from one age group to the next.


SEATTLE CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
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 Violation or Accident History


Do you realize the impact an accident or violation can have on your car insurance premiums? Speeding 16-20mph above the speed limit can drive up your rates. Individuals with a speeding ticket on their driving record spend, on average, $252 more per year. If you are found at-fault in an accident in Seattle, you can expect your annual car insurance payments to grow by $449.


AVERAGE SEATTLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$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


In Seattle, both marital status and gender play a role in your auto insurance rates. People who are married save around $60 per year on car insurance compared to those who are single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single. Females have premiums that are approximately 2% more expensive than those for males.


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


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.

149

Rainy Days a Year

38"

Avg. Annual Rainfall

5"

Avg. Annual Snowfall

Find Local Seattle Agents

Ogishima Ins Agcy

2535 Beacon Ave S Seattle, WA 98144

Seattle Insurance Agency, Inc.

4813 Califfornia Ave SW Seattle, WA 98116

DeFranco Insurance

5215 Wilson Ave S Seattle, WA 98118

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$1,336

The average Seattleite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

214

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

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