Cheap Car Insurance in Seattle
Best cheap car insurance companies in Seattle
Cheapest full-coverage car insurance in Seattle: State Farm
USAA’s average rate for full coverage is even cheaper at $1,381 a year, but it only sells insurance to active duty and veteran members of the military as well as their families.
Full-coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,413 |  |
 | American Family | $1,964 |  |
 | Geico | $2,223 |  |
 | Progressive | $2,302 | |
 | Pemco | $2,774 | |
 | Allstate | $2,917 |  |
 | Farmers | $3,377 | |
 | USAA* | $1,381 | |
*USAA only sells insurance to members of the military and their families.
Seattle’s cheapest liability-only auto insurance rates: State Farm
Pemco offers more car insurance discounts than State Farm, which means Pemco could be your cheapest option if you qualify for a few. Compare car insurance quotes between the two companies to find the best rate.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $564 |
| Pemco | $573 |
| Geico | $947 |
| Progressive | $1,000 |
| American Family | $1,036 |
| Farmers | $1,383 |
| Allstate | $1,567 |
| USAA* | $424 |
Cheapest car insurance for young Seattle drivers: State Farm
Car insurance for young drivers is usually the most expensive of any age demographic. This is because auto insurers see their lack of driving experience as a high risk. State Farm, American Family and Pemco offer discounts aimed at teens, such as a good student discount.
Car insurance for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| State Farm | $1,769 | $4,008 |
| Pemco | $1,878 | $8,035 |
| American Family | $2,590 | $4,501 |
| Progressive | $2,870 | $6,804 |
| Geico | $3,054 | $6,665 |
| Allstate | $4,983 | $9,246 |
| Farmers | $5,063 | $8,434 |
| USAA* | $1,806 | $5,152 |
Cheap car insurance in Seattle after a speeding ticket: State Farm
Seattle drivers with a speeding ticket get the cheapest car insurance with State Farm at $1,539 a year, or $128 a month. American Family is the next-cheapest option at $2,482 a year, though this is 61% more than State Farm’s average rate.
Auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,539 |
| American Family | $2,482 |
| Pemco | $3,239 |
| Allstate | $3,242 |
| Progressive | $3,283 |
| Geico | $3,434 |
| Farmers | $4,359 |
| USAA* | $1,628 |
Seattle’s cheapest car insurance after an accident: State Farm
State Farm has the cheapest car insurance after an accident for Seattle drivers at $1,666 a year, or $139 a month. This is 51% cheaper than the city average rate of $3,365 a year.
Car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,666 |
| American Family | $3,183 |
| Pemco | $3,439 |
| Geico | $3,770 |
| Progressive | $4,130 |
| Allstate | $4,269 |
| Farmers | $4,557 |
| USAA* | $1,906 |
Best cheap insurance for Seattle teens with bad driving records: State Farm and Pemco
Seattle teen drivers get the cheapest car insurance after a ticket from State Farm and Pemco. State Farm’s average rate for these teens is $1,966 a year, while Pemco is just a few dollars more at $1,969 a year.
See what discounts you qualify for when comparing quotes from these companies to find out which one is the cheapest for you.
Pemco has the cheapest rate for teens with an accident on their records at $2,063 a year, or $172 a month. State Farm comes in second, with rates averaging $2,163 a year, or $180 a month.
Cheapest rates for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $1,966 | $2,163 |
| Pemco | $1,969 | $2,063 |
| American Family | $3,095 | $4,320 |
| Progressive | $3,348 | $3,747 |
| Geico | $4,246 | $4,769 |
| Allstate | $5,689 | $7,925 |
| Farmers | $5,943 | $5,601 |
| USAA* | $2,154 | $2,716 |
Cheapest Seattle auto insurance with a DUI: American Family
At $2,482 a year, or $207 a month, American Family has the cheapest DUI car insurance in Seattle. Progressive has the next-cheapest rate of $2,882 a year.
American Family offers more car insurance discounts than Progressive, which makes it more likely to be the cheapest option for you. However, Progressive offers over twice as many add-on coverage options than American Family does, which you should consider if you want to customize your policy.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| American Family | $2,482 |
| Progressive | $2,882 |
| State Farm | $3,255 |
| Geico | $3,511 |
| Pemco | $3,911 |
| Allstate | $3,972 |
| Farmers | $5,383 |
| USAA* | $2,926 |
Cheap auto insurance for drivers in Seattle with bad credit: American Family
American Family has the best cheap car insurance for bad credit in Seattle. Its rates average $1,964 a year, or $164 a month. Geico is next at $2,223 a year.
Both American Family and Geico offer a similar number of car insurance discounts. Progressive is only $79 more a year than Geico, at $2,302 a year, and offers a decent number of discounts, as well. Compare quotes from all three, using the same coverage limits for each, to get the best deal.
Cheap car insurance with bad credit
| Company | Annual rate |
|---|---|
| American Family | $1,964 |
| Geico | $2,223 |
| Progressive | $2,302 |
| State Farm | $2,889 |
| Farmers | $3,377 |
| Pemco | $4,233 |
| Allstate | $4,571 |
| USAA* | $2,142 |
Best car insurance companies in Seattle
Seattle’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Pemco | 666 | B++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Car insurance rates in Seattle by neighborhood
Residents in the 98101 ZIP code pay Seattle’s cheapest car insurance rates of $2,071 a year. This is 8% less than the city average of $2,294 a year.
Seattle drivers living in the 98118 ZIP code pay the highest rates in the city at $2,473 a year, 10% higher than average.
Car insurance rates near you
| ZIP code | Annual rate |
|---|---|
| 98101 | $2,071 |
| 98102 | $2,149 |
| 98103 | $2,147 |
| 98104 | $2,167 |
| 98105 | $2,201 |
| 98106 | $2,364 |
| 98107 | $2,113 |
| 98108 | $2,449 |
| 98109 | $2,142 |
| 98112 | $2,210 |
| 98115 | $2,208 |
| 98116 | $2,250 |
| 98117 | $2,151 |
| 98118 | $2,473 |
| 98119 | $2,156 |
| 98121 | $2,108 |
| 98122 | $2,175 |
| 98125 | $2,207 |
| 98126 | $2,341 |
| 98131 | $2,251 |
| 98132 | $2,251 |
| 98133 | $2,223 |
| 98134 | $2,289 |
| 98136 | $2,282 |
| 98144 | $2,422 |
| 98146 | $2,328 |
| 98154 | $2,189 |
| 98158 | $2,344 |
| 98161 | $2,200 |
| 98164 | $2,188 |
| 98168 | $2,411 |
| 98174 | $2,217 |
| 98177 | $2,189 |
| 98178 | $2,403 |
| 98195 | $2,236 |
| 98199 | $2,165 |
Car insurance companies look at several factors to calculate your quote. High-population neighborhoods and areas with high crime rates tend to pay higher car insurance rates.
Seattle minimum car insurance requirements
Seattle drivers are required to have a minimum of 25/50/10 liability car insurance. This breaks down to:
- $25,000 of bodily injury liability coverage for one person
- $50,000 of bodily injury liability coverage for two or more people
- $15,000 of property damage liability coverage
Bodily injury liability coverage handles medical bills for anyone injured in a car accident you cause, as well legal fees tied to the incident. Property damage liability covers damage you cause to someone else’s property in an accident.