Best cheap car insurance in Seattle
The average cost of car insurance in Seattle is $1,397 for full coverage insurance and $601 for minimum coverage insurance, according to Bankrate’s 2021 study of quoted annual premiums. Drivers in Seattle can get a lower rate by choosing an insurance company that has cheap rates and good discounts.
There were 10,249 reported car accidents in Seattle in 2018, but the rate has slowly declined over the last several years. Every driver in Seattle is required to carry a minimum amount of car insurance to protect against liabilities in the event of an at-fault accident. That is why it is so important to cover yourself with adequate insurance at the lowest price and from the best car insurance companies in Washington. This is where to find the best cheap car insurance in Seattle.
Best car insurance companies in Seattle
The best car insurance companies in Seattle are Geico, Progressive, USAA, PEMCO and Allstate. These providers were selected based on their average premiums, discounts, coverage options, customer satisfaction scores and financial strength ratings:
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Allstate||810 / 1000||$669||$1,631|
|Geico||834 / 1000||$424||$980|
|PEMCO||827 / 1000||$438||$1,185|
|Progressive||821 / 1000||$497||$1,146|
|USAA||883 / 1000||$374||$943|
Allstate is a great insurance company for any Seattle driver, but especially for young drivers. In addition to low rates, teen drivers can save money on their policy by getting good grades, completing the teenSMART® driver education program or being a student away at school. Allstate also sells several add-on coverage options and offers a number of discounts.
Geico is known for its cheap car insurance premiums in Seattle and nationwide. The company offers limited coverage, but it has a variety of car insurance discounts that apply to a diverse group of drivers. Geico has savings for military members, government employees, smart students, emergency deployment, employee/membership groups, and many others.
PEMCO is a regional insurance provider that is based in Seattle. The company offers many unique coverage options, like key replacement coverage, pet insurance, accidental death coverage, rideshare insurance, and camper coverage. Drivers can save money by taking advantage of discounts, including special savings for University of Washington alumni.
Progressive has some of the best coverage, discounts and online tools in the insurance industry. Seattle drivers can customize their policy with gap insurance, custom parts coverage, rideshare insurance and more. Progressive also has many discounts, including the Snapshot safe driver rewards program, which has an average savings of $145.
USAA is the highest-rated car insurance provider by J.D. Power in every region, including Washington State. The company offers exceptional customer service, good coverage and a number of generous discounts, in addition to affordable premiums. The only catch is that drivers must be active duty military members or veterans in order to qualify for coverage.
Cheapest car insurance in Seattle
Car insurance in Seattle is more expensive than the average rate in Washington State. The average Washington driver pays $1,176 per year for full coverage insurance and $98 for minimum coverage insurance. However, drivers can get a lower rate if they choose a cheap insurance company, such as one of the providers in the table below:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Every car insurance company has its strengths and weaknesses. For example, USAA offers low rates and great customer service, but only military members and veterans are eligible for coverage. Geico offers the lowest rates in Seattle, but the coverage is limited and the customer service is not highly rated.
Progressive offers the most customizable coverage, but the rates are slightly more expensive. State Farm offers two safe driver discount programs, including one for young drivers, but there are only a handful of add-on coverages. Travelers is a solid insurance company on many fronts, but the customer service and claims handling is poorly rated.
Another thing to consider is that these five providers have different customer satisfaction ratings in J.D. Power’s 2020 U.S. Auto Insurance Study. Geico, USAA and PEMCO are rated above average, whereas State Farm and Travelers are rated below average.
Seattle insurance requirements
Every driver in Seattle who has a vehicle registered in Washington is required to carry car insurance. The minimum amount of personal liability insurance is 25/50/10, which includes:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per accident
- $10,000 in property damage coverage per accident
Liability-only insurance is the cheapest policy available in Seattle. However, insurance companies recommend that most drivers purchase more coverage than what is required. Car accidents can be expensive, and there is no guarantee that minimum coverage insurance will be enough to cover the cost of an at-fault crash in Washington State.
Additionally, some drivers in Seattle are required to carry full coverage insurance. Most lenders require drivers to have full coverage insurance if they have a leased or financed vehicle. Once the loan is paid off, drivers have the option to drop their coverage to liability insurance only.
Car insurance discounts in Seattle
Drivers in Seattle can take advantage of discounts to get a cheaper policy. Here are some of the most common car insurance discounts in Washington:
- Claims-free: Most drivers will qualify for a discount on their insurance policy if they have no accidents or claims on their record within the last several years.
- Vehicle safety equipment: Cars that have certain safety features, like an anti-theft device, anti-lock brakes and airbags, usually qualify for a cheaper premium.
- Good student: Many insurance companies have discounts for students who get good grades in school or maintain a minimum GPA.
- Pay in full: Drivers who can afford to pay their annual premium upfront and in full, rather than in monthly installments, can get a lower premium.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies, because it is different for every driver. Some drivers are looking for the lowest rates, some are looking for specific coverages and others are looking for the best customer service. Drivers should shop around and compare providers based on their personal criteria in order to find the best company for them.
How much does car insurance in Seattle cost?
The average Seattle driver pays $1,397 for full coverage insurance and $601 for minimum coverage insurance. Keep in mind that every driver pays a slightly different rate based on rate factors like their ZIP code, age, credit score, claims history, the type of car they drive and the policy deductible.
How much car insurance do I need in Seattle?
Drivers in Seattle must carry at least 25/50/10 in personal liability insurance. However, many drivers purchase full coverage insurance for more protection, which includes collision and comprehensive insurance coverage for their vehicle.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.