Cheap Car Insurance in Seattle

Cheapest full-coverage car insurance in Seattle: State Farm

State Farm offers the cheapest full-coverage car insurance rates for most Seattle drivers at $1,413 a year, or $118 a month. This is 38% cheaper than the city’s average full-coverage rate of $2,294 a year.

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

Seattle’s cheapest liability-only auto insurance rates: State Farm

With rates that average $564 a year, or $47 a month, State Farm also has the cheapest liability car insurance in Seattle. Pemco is the next-cheapest company at $573 a year. Both are around 40% cheaper than the city average of $937 a year.

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

Cheapest car insurance for young Seattle drivers: State Farm

State Farm has the lowest rates for Seattle teens looking for liability or full-coverage car insurance at $1,769 a year and $4,008 a year, respectively. Pemco has the next-cheapest liability insurance for teens at $1,878 a year. American Family is next for full coverage at $4,501 a year.

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

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

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

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

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

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

Best car insurance companies in Seattle

State Farm is the best car insurance company in Seattle, offering the best combination of cost, coverage, customer satisfaction and financial strength. American Family is a sound second choice, offering cheap rates and strong customer satisfaction.

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++

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

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.