Cheapest car insurance companies in Seattle
Geico and PEMCO have the cheapest car insurance premiums for Seattle drivers in 2023, based on a data study by Insurance.com.
Geico is the cheapest option for most Seattle drivers, with an average annual rate of $1,332 .
In Seattle, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| USAA | $959 |
| Geico | $1,332 |
| PEMCO | $1,540 |
| Travelers | $1,805 |
| Nationwide | $1,940 |
| Farmers | $2,139 |
| Allstate | $2,158 |
| State Farm | $2,169 |
| American Family | $2,245 |
| Progressive | $2,825 |
Cheapest car insurance cost in Seattle by Age Group
PEMCO offers the cheapest full coverage car insurance for teenage drivers in Seattle, with an average annual cost of $4,338 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Seattle at about $1,582 per year.
For Seattle drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $969 annually.
USAA is the cheapest option for senior drivers in Seattle, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,119 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| PEMCO | $4,338 | $2,394 | $1,701 | $1,967 |
| USAA | $4,890 | $1,582 | $969 | $1,119 |
| Travelers | $5,169 | $2,818 | $1,829 | $1,864 |
| State Farm | $5,908 | $3,590 | $2,186 | $2,128 |
| Farmers | $6,002 | $2,728 | $2,031 | $2,277 |
| Geico | $6,033 | $2,516 | $1,383 | $1,332 |
| American Family | $6,239 | $2,998 | $2,253 | $2,644 |
| Nationwide | $7,415 | $3,234 | $1,923 | $1,781 |
| Allstate | $8,453 | $3,219 | $2,137 | $2,284 |
| Progressive | $10,251 | $4,725 | $2,823 | $2,982 |
Cheapest car insurance companies in Seattle by driver profile
Your driving profile plays an important role in determining your car insurance rates in Seattle. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
To find the cheapest car insurance company in Seattle, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here's a list of car insurance companies that offer cheap insurance rates in Seattle based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
USAA has the cheapest rates for Seattle drivers with poor credit looking for affordable auto insurance. At an annual cost of $939, USAA offers substantial savings among the insurers analyzed.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $939 |
| Geico | $1,210 |
| Nationwide | $1,334 |
| State Farm | $1,480 |
| Progressive | $1,497 |
| Travelers | $1,509 |
| Farmers | $1,756 |
| Allstate | $2,049 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Seattle with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,150.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,150 |
| State Farm | $1,620 |
| Nationwide | $1,893 |
| Progressive | $2,096 |
| Geico | $2,115 |
| Travelers | $2,249 |
| Farmers | $2,258 |
| Allstate | $2,282 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Seattle with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $1,482 annually.
| Company | Average annual rates |
|---|---|
| USAA | $1,482 |
| State Farm | $1,761 |
| Nationwide | $2,173 |
| Travelers | $2,286 |
| Geico | $2,456 |
| Farmers | $2,622 |
| Allstate | $3,178 |
| Progressive | $3,802 |
Cheapest auto insurance after a DUI: State Farm
In Seattle, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,620 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,620 |
| USAA | $2,105 |
| Geico | $2,376 |
| Progressive | $2,513 |
| Farmers | $2,668 |
| Travelers | $2,867 |
| Nationwide | $3,013 |
| Allstate | $3,187 |
Average car insurance cost in Seattle
Full coverage car insurance in Seattle for a coverage limit of 100/300/100 is $1,910 per year or $159 per month, while the state minimum coverage costs an average of $556 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,910 | $556 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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