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Car Insurance Quotes in Seattle, WA

Full coverage / year
$2,025
State minimum / year
$731
Typical quote range
$1,438 – $2,795

Drivers in Seattle pay an estimated $2,025 a year for full coverage car insurance, or about $169 a month. Rates here run roughly 16% higher than the rest of Washington, driven by city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Seattle, WA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$169/ month
$2,025 per year · carriers in Seattle, WA typically quote $1,438 – $2,795
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Seattle, WA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,539$128-24%Military members and families only
Geico$1,661$138-18%Usually cheapest for clean records
State Farm$1,782$149-12%Strong for young and student drivers
Progressive$1,924$160-5%Competitive after a ticket or accident
Travelers$1,964$164-3%Good multi-policy discounts
Nationwide$2,025$1690%Mid-market, wide availability
Allstate$2,309$192+14%Higher base rate, heavy discount stacking
Farmers$2,450$204+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Seattle, WA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Seattle

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,471$1,975$456
18 years old$4,614$1,666$385
20 years old$3,821$1,380$318
22 years old$3,174$1,146$264
25 years old$2,422$875$202
30 years old$2,088$754$174
40 years old$1,963$709$164
50 years old$1,879$679$157
60 years old$1,858$671$155
65 years old$1,942$701$162
70 years old$2,130$769$177
75 years old$2,485$897$207

Estimated premiums by age in Seattle, WA, clean record, sedan.

What a ticket, accident or DUI costs in Seattle

Driving recordEst. annualIncrease
Clean record$2,025—
1 speeding ticket$2,491+23%
1 at-fault accident$2,977+47%
DUI / DWI$3,828+89%

What a violation costs a 35-year-old in Seattle, WA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Washington

Every driver registering a vehicle in Washington must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Washington Department of Insurance.

Required coverage in WashingtonMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Insurance systemAt-fault (tort)

Coverage levels compared in Seattle

Coverage levelEst. annualEst. monthly
State minimum liability$731$61
Full coverage (100/300/100 + comp & collision)$2,025$169
Full coverage, high limits + low deductible$2,410$201

Coverage level comparison for Seattle, WA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Seattle

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Seattle covers 98101, 98102, 98103, 98104, 98105, 98106 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Seattle, WA?
Full coverage in Seattle is estimated at $2,025 a year ($169 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $731 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Washington?
Washington requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage. Washington is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Seattle?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Seattle for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Seattle?
An 18-year-old in Seattle is estimated at $4,614 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Seattle?
A DUI takes the estimate from $2,025 to about $3,828 a year in Seattle, an increase of roughly 89%. Washington drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Seattle?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Columbia CityMercer IslandBellevueKirklandBryn Mawr-SkywayBurienInglewood-Finn HillTukwila

Comparing more of Washington? See every Washington city we price or read the cheap car insurance guide for Seattle.