Cheap Car Insurance in Seattle

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Seattle

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Narrow roads slick with rain, steep inclines, and many pedestrians and cyclists can create hazardous conditions when you’re driving in Seattle. It’s all too easy for an accident to happen, which is why it’s important to invest in a car insurance policy that will protect you and your finances.

We’ve gathered real quotes that Jerry customers in Seattle have received to show how your age, driving record and desired coverage can affect your insurance costs.

Cheapest minimum coverage insurance in Seattle

Washington requires drivers to carry the following minimum coverages:

  • $25,000 for bodily injury or death of one person.
  • $50,000 for bodily injury or death of two people.
  • $10,000 for damage to other peoples’ property.

Here are some of the cheapest quotes that Jerry customers in Seattle got for minimum coverage via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$38 $457 Aspire Advantage 48 September 22, 2024 Seattle, WA 98122
$40 $480 National General 48 September 22, 2024 Seattle, WA 98122
$40 $480 National General 48 September 21, 2024 Seattle, WA 98122
$44 $526 Progressive 34 November 16, 2023 Seattle, WA 98118
$48 $570 Progressive 25 August 22, 2024 Seattle, WA 98103
$50 $596 Progressive 30 December 22, 2024 Seattle, WA 98119
$50 $604 Progressive 34 September 18, 2023 Seattle, WA 98118
$54 $652 Progressive 30 August 2, 2024 Seattle, WA 98133
$60 $724 The General 40 January 23, 2024 Seattle, WA 98103
$62 $742 Progressive 38 November 29, 2024 Seattle, WA 98122
Last Updated Feb 26, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Seattle

The minimum coverage won’t help you if your car is flooded, damaged by weather or stolen. You’d need full coverage, which combines collision and comprehensive insurances, for protection in those situations.

These are some of the cheapest full coverage quotes for drivers in Seattle.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$70 $838 The General 39 August 16, 2024 Seattle, WA 98146
$93 $1,112 The General 33 December 16, 2023 Seattle, WA 98104
$95 $1,134 The General 33 April 24, 2024 Seattle, WA 98118
$96 $1,154 Safeco 53 September 23, 2023 Seattle, WA 98101
$98 $1,180 The General 31 September 26, 2023 Seattle, WA 98108
$103 $1,236 The General 47 January 13, 2024 Seattle, WA 98116
$108 $1,295 Safeco 31 January 4, 2025 Seattle, WA 98115
$110 $1,322 The General 38 December 26, 2024 Seattle, WA 98122
$112 $1,338 The General 40 January 24, 2024 Seattle, WA 98103
$114 $1,372 The General 47 January 14, 2024 Seattle, WA 98116
Last Updated Feb 26, 2025

Cheapest car insurance for young drivers in Seattle (18-29 years old)

A young driver may be more likely to pay higher rates than an older driver would, which means it’s wise to comparison shop with multiple insurance companies. Here are some of the cheapest quotes young Seattle drivers have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$48 $570 Progressive 25 Yes August 22, 2024 Seattle, WA 98103
$64 $769 Progressive 26 No August 25, 2024 Seattle, WA 98199
$66 $794 Progressive 25 No January 27, 2025 Seattle, WA 98105
$66 $797 Progressive 26 No November 1, 2024 Seattle, WA 98199
$67 $802 Progressive 26 No February 19, 2025 Seattle, WA 98115
Last Updated Feb 26, 2025

Cheapest car insurance for mature drivers in Seattle (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$38 $457 Aspire Advantage 48 No September 22, 2024 Seattle, WA 98122
$40 $480 National General 48 No September 21, 2024 Seattle, WA 98122
$40 $480 National General 48 No September 22, 2024 Seattle, WA 98122
$44 $526 Progressive 34 No November 16, 2023 Seattle, WA 98118
$50 $596 Progressive 30 Yes December 22, 2024 Seattle, WA 98119
Last Updated Feb 26, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$69 $828 The General 62 No November 14, 2023 Seattle, WA 98198
$69 $830 Progressive 61 Yes November 13, 2024 Seattle, WA 98199
$72 $858 The General 58 No January 13, 2024 Seattle, WA 98168
$72 $858 The General 58 No December 3, 2023 Seattle, WA 98168
$73 $876 The General 60 No July 7, 2024 Seattle, WA 98118
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with clean records in Seattle

A clean driving record goes a long way in ensuring you get affordable auto insurance. Here are some of the cheapest quotes that Jerry customers with blemish-free records have received in Seattle.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$38 $457 Aspire Advantage 48 September 22, 2024 No Seattle, WA 98122
$40 $480 National General 48 September 21, 2024 No Seattle, WA 98122
$40 $480 National General 48 September 22, 2024 No Seattle, WA 98122
$48 $570 Progressive 25 August 22, 2024 Yes Seattle, WA 98103
$53 $634 The General 47 January 14, 2024 No Seattle, WA 98116
$54 $652 Progressive 30 August 2, 2024 Yes Seattle, WA 98133
$57 $682 Progressive 31 February 4, 2025 No Seattle, WA 98121
$60 $724 The General 40 January 23, 2024 No Seattle, WA 98103
$63 $750 The General 52 December 16, 2023 No Seattle, WA 98166
$64 $762 The General 44 May 20, 2024 No Seattle, WA 98198
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with low credit scores in Seattle

Insurers may see a low credit score as a risk, meaning drivers with those scores will pay higher premiums. It’s wise to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes that customers with scores below 550 in Seattle have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $73 $880 Progressive 27 February 13, 2025 Seattle, WA 98119
<550 $76 $912 Anchor General 27 December 15, 2024 Seattle, WA 98119
<550 $81 $976 The General 49 December 21, 2023 Seattle, WA 98101
<550 $92 $1,106 The General 35 December 30, 2023 Seattle, WA 98102
<550 $93 $1,118 The General 42 February 16, 2024 Seattle, WA 98188
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with at-fault accidents in Seattle

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $44 $526 Progressive 34 No November 16, 2023 Seattle, WA 98118
At Fault With No Injury $50 $604 Progressive 34 No September 18, 2023 Seattle, WA 98118
At Fault With No Injury $64 $769 Progressive 26 No August 25, 2024 Seattle, WA 98199
At Fault With No Injury $65 $780 Progressive 35 No November 11, 2024 Seattle, WA 98109
At Fault With No Injury $66 $797 Progressive 26 No November 1, 2024 Seattle, WA 98199
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with speeding tickets in Seattle

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $62 $742 Progressive 38 November 29, 2024 Seattle, WA 98122
Speeding under 15 $62 $750 Progressive 30 February 15, 2025 Seattle, WA 98109
Speeding under 15 $68 $812 Progressive 38 January 25, 2025 Seattle, WA 98122
Speeding under 15 $70 $838 The General 39 August 16, 2024 Seattle, WA 98146
Speeding under 15 $78 $930 Progressive 39 August 16, 2024 Seattle, WA 98146
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with DUIs in Seattle

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $147 $1,760 The General 27 May 23, 2024 Seattle, WA 98155
DUI $149 $1,784 Dairyland 52 February 3, 2024 Seattle, WA 98144
DUI $168 $2,016 The General 52 February 3, 2024 Seattle, WA 98144
DUI $233 $2,800 Bristol West 52 February 3, 2024 Seattle, WA 98144
DUI $234 $2,809 The General 29 February 21, 2024 Seattle, WA 98112
Last Updated Feb 26, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a content strategist with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.