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Cheapest car insurance in Seattle, Washington (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Seattle, Washington.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Best car insurance companies in Seattle

While no single provider earns the title for “best insurance in Seattle,” there are certainly some standouts. Industry giants like State Farm, Allstate, and Progressive earn the highest ratings from customers in our nationwide survey for things like claims handling and customer service, but when it comes to cost, many drivers find the lowest rates with smaller regional providers like PEMCO.
See the table below to find out how drivers in Seattle rate some of Washington’s largest providers.
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.5
$1,359
$615
4.4
$2,191
$765
4.2
$2,102
$893
4.0
$1,720
$443
3.6
$1,146
$446
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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State Farm
Real 5-star customer review:
My husband and I go through State Farm for our homeowners insurance. We recently learned that we can bundle and save with our car insurance as well. The representative that worked with us was prompt and so welcoming. We love the service that has been provided so far! -Madison
Overall Jerry rating in Washington: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
State Farm offers the best of both worlds, with a wide network of local insurance agents and top-rated online services for those who prefer to manage their own policies. The company also provides a wide variety of insurance products so drivers can customize their coverage. State Farm received a 4.5/5 from our survey of Washington drivers, and it received top marks for customer satisfaction and financial strength.
That being said, State Farm did receive more complaints than expected. Plus, customer service is not available 24/7.
Read More
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Allstate
Real 5-star customer review:
Jerry
helped me cut my rate almost in half by switching me to Allstate for the same coverage. I highly recommend this app to anyone. —Drewe E.
Overall Jerry rating in Washington: 4.4
JD Power customer satisfaction: 832
AM Best financial strength: A+
NAIC complaint index (June 2023): Much more than expected
Allstate is one of the most popular insurers in North Carolina. With a slew of discounts and a wide range of coverage options and coverage limits, Allstate customers benefit from robust service and high financial stability rankings. The price of a standard car insurance policy is a bit higher than the national average, however.
 
The drivers in our survey gave Allstate great ratings overall, but the company’s ratings plummeted on the claims processing section as well as the complaint index.
Read More
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Progressive
Real 5-star customer review:
 Progressive provides excellent customer service. They have agents 24/7 and are quick to pick up. They have great coverage and low rates. -Tyler
Overall Jerry rating in Washington: 4.2
JD Power customer satisfaction: 814
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Progressive is one of the country’s largest car insurance providers. Policyholders with Progressive can take advantage of 24/7 customer service support and a lengthy list of coverage options and discounts, including Small Accident Forgiveness. 
Progressive has a higher than expected number of complaints with the NAIC, but Jerry users have rated Progressive’s claim process as 4.3/5  and 4.5/5 for customer service.
Read More
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Nationwide
Real 5-star customer review:
I decided to try Jerry because my car insurance had been increasing drastically with each policy renewal. Jerry found me multiple ways to save after entering just a few pieces of info! I’m saving almost $70 a month after choosing Nationwide. —Ish M.
Overall Jerry rating in Washington: 4.0
JD Power customer satisfaction: 861/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Slightly higher than average
With some of the cheapest rates in the state of Washington, Nationwide is a good choice for the average driver. This provider offers a wide range of coverage options, including usage-based insurance (UBI). Teen drivers are likely to find lower-than-average rates with Nationwide.
Although some drivers report low satisfaction with the company, Nationwide offers plenty of discounts and cost savings to make up for it. If you’re a relatively young driver with straightforward coverage needs, Nationwide might be the perfect fit.
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USAA
Real 5-star customer review:
Great & reliable experience! Super easy to switch with the Jerry app, great rates and amazing premium qualities. Has all the support you need. Would definitely recommend! -Hector
Overall Jerry rating in Michigan: 3.6
JD Power customer satisfaction: 878/1,000
AM Best financial strength: A++
NAIC complaint index (August 2023): More than expected
USAA has fantastic premiums and a solid financial background. Plus, it rates high for customer satisfaction. Young adults and seniors also find some of the best rates in the state with USAA.
However, USAA is only available to current and former military members and their family members.
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Cheapest car insurance quotes in Seattle

For the average Seattle driver,
auto insurance
costs about $105 per month for minimum coverage liability insurance, and about $173 per month for full coverage insurance. When compared to the
Washington
average, Seattle drivers pay 8% more
Finding the cheapest car insurance quotes for Seattle drivers is easy—just use the comparison app Jerry to
review and purchase car insurance
policies. Take a look at the rates below. These are the cheapest car insurance quotes that Jerry uncovered for Seattle customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$166
Lucy, 26
Zip: 98133
Honda Civic Sport
• State Minimum Liability
• Comp / Collision
Allstate
$210
Calvin, 30
Zip: 98118
Dodge RAM 1500 ST
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$136
Barbara, 38
Zip: 98102
Infiniti QX30
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$126
Gregory, 29
Zip: 98109
Tesla Model 3
• 100,000/300,000 Liability
• Comp / Collision
State Auto
$138
Verna, 37
Zip: 98105
Lexus IS 200T
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 19, 2024

Best cheap car insurance quotes in Seattle

All Seattle drivers must purchase minimum coverage car insurance for liability to the amount of 25/50/10. This is
Washington state’s minimum
for car insurance requirements and it applies to all drivers in the state. 
This minimum coverage includes property damage liability and bodily injury liability coverage. While you’ll get the cheapest rate by opting for minimal coverage, it doesn’t give you much protection in the event of an accident. Seattle drivers should choose full coverage to cover repair costs for their own vehicles.  

Cheap minimum liability insurance quotes in Seattle

Let’s take a closer look at the required
liability auto insurance coverage
for Seattle drivers: 
Remember, these are the bare minimum levels of liability coverage. Every Seattle driver needs to meet—or exceed—these thresholds for liability coverage.
Jerry has helped a lot of Seattle drivers find affordable liability coverage—see the table below for real prices.
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Lucy (26 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98133)
$166
per month
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Nicholas (47 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98178)
carJeep Compass Sport
$123
per month
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Chase (56 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98105)
carMercedes-Benz C 300 4matic
$96
per month
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Christina (25 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98118)
$153
per month
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Clearcover
Jeanette (36 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98102)
$119
per month

Do you need more than minimum coverage in Seattle?

Choosing 25/50/10 coverage won't break any laws, but higher limits provide better protection for Seattle drivers who get into an accident. 
Imagine the costs involved after a major crash: medical expenses, car replacement fees, and potential lawsuits that could amount to hundreds of thousands of dollars. Your minimum coverage may not cover all these expenses, leaving you financially liable. 
Ultimately, Seattle drivers should get as much liability coverage as they can afford—especially because the added protection may not be as costly as you think.  
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Seattle

Full coverage
is the only way to cover yourself and your vehicle. Liability coverage only protects you from lawsuits if someone else sues you for damages when you cause an accident.
A full coverage policy in Seattle includes
comprehensive
and
collision coverage
Collision coverage: If you get into a collision—with a mailbox or another vehicle—this coverage will pay for the damage.
Comprehensive coverage: If your vehicle suffers non-collision damage—like dents from hail , vandalism, or theft—this coverage will kick in.
Be aware that you might be required to have
full coverage if you own a financed vehicle
. Lenders wish to protect their investment, so they often require this extra coverage. Check with your lender before you start shopping for insurance.
Take a look at real sample costs for full coverage insurance policies in Seattle.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$166
Lucy, 26
Zip: 98133
Honda Civic Sport
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$210
Calvin, 30
Zip: 98118
Dodge RAM 1500 ST
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$186
Julia, 25
Zip: 98103
BMW 330XE
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$136
Allen, 38
Zip: 98102
Infiniti QX30
• 30,000/60,000 Liability
• Comp / Collision
Mercury
$231
Maud, 29
Zip: 98116
Toyota Corolla L
coverageLast Updated Feb 20, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Seattle

Because we have helped so many Seattle drivers find car insurance, we’ve discovered that the average cost of minimum liability coverage is $105 per month or $1,264 per year. For full coverage insurance in Seattle, the average cost is $173 for month or $2,082 per year.
Be warned: Average rates can help you get a better idea of what to expect with rates. However, there’s no such thing as the “average” Seattle driver. Your rate will be entirely unique to your driver profile, even if you share a zip code with thousands of other people.
Based on your unique situation, your monthly costs could go up to several hundred dollars per month.

Average cost of car insurance in Seattle by zip code

Every city has multiple zip codes—and each zip code has a unique risk profile. In Seattle, some neighborhoods experience more traffic accidents or car thefts. With higher risk comes higher insurance premiums. So which zip codes are the highest risk in Seattle?
Let’s see what the data says.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
98101
$88
$165
98102
$92
$124
98103
$92
$141
98104
$91
$206
98105
$140
$149
98106
$53
$163
98108
$65
$107
98109
$36
$151
98115
$84
$154
98116
$89
$138
98117
$69
$134
98118
$116
$178
98119
$76
$142
98121
$83
$166
98122
$95
$136
98125
$91
$170
98126
$53
$152
98133
$75
$171
98144
$73
$153
98178
$93
$177

Car insurance quotes in Seattle by rating factors 

Insurance companies in Seattle use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets—even if they happened in another city or state.
  • Your credit score: Low credit applicants (under 600) will pay much more for insurance than people with strong credit (over 750) who get the best rates.
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you keep your car: If you park your car on the street—especially if you live in an area with high auto theft rates—rates will be higher than if you park in a garage or driveway. 
  • How you use your car: Frequent commuters pay more for coverage than infrequent leisure drivers.

How do different factors impact your car insurance costs in Seattle?

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Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
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Prohibited (or effectively prohibited):
Learn more about the car insurance rating factors in Seattle:

Cheap car insurance quotes in Seattle after driving violations

Driving violations not only result in fines and legal consequences, but they can also impact your insurance premiums. Accumulating a significant number of violations on your record categorizes you as a
high-risk driver
While it is still possible for high-risk drivers in Seattle to obtain coverage, it's important to note that your policy will likely be more expensive compared to that of another driver who has a clean record.
Here are some of the violations that could trigger a rate hike:

Cheapest car insurance in Seattle after speeding ticket

If you exceed the speed limits, you will face penalties based on how fast you were going over the speed limit. The state levies fines for speeding that increase with each mile over the limit—and
reckless driving
incurs exceptionally high fines, too.
While
speeding tickets
can significantly impact insurance rates for drivers in Seattle, it’s still possible to
find affordable coverage
even with a speeding ticket on record. 
Here’s how we have successfully helped other Seattle drivers in similar situations.   
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$173
Owen, 31
Zip: 98133
Ford Escape SE
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Safeco
$229
Ellen, 38
Zip: 98115
Nissan Altima 3.5S
• State Minimum Liability
• Comp / Collision
Speeding 16-20
National General
$348
Marvin, 39
Zip: 98102
Nissan Titan XD SV
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
Allstate
$95
Jennie, 23
Zip: 98125
BMW 328 i
• State Minimum Liability
coverageLast Updated Feb 17, 2024

Cheapest car insurance in Seattle after DUI

A DUI conviction in Seattle will definitely lead to a significant increase in your insurance rates. It's possible that certain insurance companies could decline coverage altogether.
We understand that navigating the process of finding insurance after a
DUI in Washington
can be complex. Rates may vary widely from one company to another.
Jerry has helped Seattle drivers with DUI convictions find coverage. Here’s a look at rates for these drivers.
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George (31 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98109)
$303
per month

Cheapest car insurance in Seattle after an at-fault accident

Causing an accident is an indication to insurance companies that you could pose an increased risk. However, it's important to remember that you still have options for finding a favorable insurance rate, even with an at-fault accident on your
Washington State driving record
Below, you can see real rates for Seattle drivers who have at-fault convictions on record.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$211
Linnie, 24
Zip: 98126
Audi Q5 Premium
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$334
Larry, 26
Zip: 98106
Toyota Camry
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$108
Randy, 33
Zip: 98115
Subaru Crosstrek Limited
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$194
Arthur, 61
Zip: 98133
Chevrolet Cruze LT
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 20, 2024

Cheapest car insurance in Seattle after other driving violations

In Seattle, even a minor violation such as tailgating can have an impact on a driver’s car insurance rates.
To better understand how common traffic violations can affect your car insurance rates, check out the data below from real Seattle drivers.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$114
Lloyd, 42
Zip: 98101
Mini Cooper S
• State Minimum Liability
• Comp / Collision
Defective Equipment
Safeco
$114
Bernice, 37
Zip: 98121
Toyota Corolla L
• 100,000/300,000 Liability
• Comp / Collision
Failure to Stop
Allstate
$194
Nicholas, 61
Zip: 98133
Chevrolet Cruze LT
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Safeco
$140
Troy, 33
Zip: 98109
Toyota RAV4 SE
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Bristol West
$110
Nannie, 28
Zip: 98119
Chevrolet Tahoe K1500
• State Minimum Liability
Driving on Sus. License
National General
$174
Frederick, 46
Zip: 98144
Dodge RAM 2500
• State Minimum Liability
Failure to Obey Signal
National General
$210
Leon, 27
Zip: 98108
BMW 528 XI
• 50,000/100,000 Liability
Improper Passing
Nationwide
$124
Leila, 41
Zip: 98146
Toyota Camry
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 22, 2024

Cheap car insurance quotes in Seattle by age

Older drivers in Seattle may face increased risks in the event of an accident, whereas younger drivers and those with
provisional licenses
often have limited experience on the road. There’s risk at every age! 
If you’re under 25 or over 75, it is likely that you will incur higher premiums for coverage in Seattle.

Cheapest car insurance in Seattle for young drivers

Teen drivers in Seattle under the age of 19 tend to face the highest insurance costs. This emphasizes the importance of considering full coverage, particularly for young drivers operating newer vehicles.
Real rates are the best source of information, so check out these
young drivers and their rates
in Seattle.
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Bobby (22 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98178)
$96
per month
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Aiden (23 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98115)
$231
per month
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Evelyn (24 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98117)
$285
per month
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Alex (22 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98119)
$99
per month
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Rosetta (24 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98116)
$189
per month

Cheapest car insurance in Seattle for senior drivers

Seniors in Seattle pay higher costs for car insurance, primarily due to their increased vulnerability to serious injuries in the event of a car accident. Car insurance companies take this into consideration when determining
coverage rates for older drivers
in Seattle.
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Georgie (75 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98126)
carChevrolet Silverado K1500 LT
$97
per month
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Dora (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98144)
carChrysler Concorde LX
$101
per month
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Ronald (67 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98146)
$197
per month
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Evelyn (67 years old)
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98118)
carChrysler Town & Country Touring
$100
per month

Cheap car insurance quotes in Seattle based on insurance history

Maintaining consistent car insurance coverage is essential to avoid any red flags on your record. Companies take note of any
lapses in coverage
, which typically result in increased premiums.
With Jerry, you can enjoy the advantage of regular reminders to prevent coverage gaps. 
We also assist drivers who have experienced lapses in finding coverage again, just like the Seattle drivers shown below.
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Sara (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationSeattle, WA
(Zip Code: 98133)
$166
per month
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Chester (38 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98102)
$136
per month
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Jack (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98103)
carBMW 330XE
$186
per month
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Arthur (29 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98109)
carTesla Model 3
$126
per month
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Beulah (29 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationSeattle, WA
(Zip Code: 98116)
$231
per month

Cheap car insurance quotes in Seattle for drivers with poor credit

Although insurers were temporarily blocked from using credit as a factor for setting rates in Washington, the practice is currently allowed, meaning when you buy insurance in Seattle your credit score will affect your premium.
Data shows that individuals with poor credit tend to file more insurance claims. Consequently, if
your credit score
falls below 600, it is likely that you’ll pay a higher rate for coverage.
To gain insights into the insurance premiums paid by drivers with poor credit in Seattle, here’s a glimpse into some real figures.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$140
Eugenia, 31
Zip: 98121
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
660 - 750
Allstate
$210
Nicholas, 30
Zip: 98118
Dodge RAM 1500 ST
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$136
Chase, 38
Zip: 98102
Infiniti QX30
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
National General
$84
Lloyd, 33
Zip: 98125
Chevrolet Uplander LT
• State Minimum Liability
< 550
Bristol West
$238
Millie, 27
Zip: 98115
Acura TL
• State Minimum Liability
coverageLast Updated Feb 23, 2024

How to lower car insurance costs in Seattle

1. Shop around and compare quotes

Each insurance company has its own set of rules to determine the price you pay for car insurance—and these rules can change over time. To make sure you always get the best deal, experts suggest comparing prices from at least three companies and checking for new rates every six months. This way, you can find the most affordable option that suits your needs.
Remember, we're here to help Seattle drivers understand and choose the insurance that works best for them!
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Qualification requirements vary by company, but Seattle drivers may be able to unlock a serious discount for having a clean record with no or minimal points and accidents.
  • Telematics discounts. Enrolling in telematics programs to track your driving habits can unlock a world of easy-to-attain discounts offered by many companies. In fact, you may even receive a discount just by signing up!
  • Good student discounts. Are you a full-time student in Seattle who is either in high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts.
    Bundle your home and auto insurance
    (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

Want to maintain comprehensive coverage for your vehicle while keeping your monthly costs in check? Consider adjusting your deductible if you have full coverage car insurance.

Why is car insurance in Seattle so expensive? 

  • Traffic: Certain areas of Seattle may experience dense traffic, leading to a higher rate of car accidents. That could cause insurance companies to charge higher prices. 
  • Crime: Insurance companies look at the crime rate in Seattle—especially car theft and vandalism—when they’re determining the cost of comprehensive car insurance. 
  • Natural disasters: Washington is known to experience natural disasters like earthquakes and floods.  Insurance companies consider the increased risk of vehicle damage from these events when setting rates.

FAQ

How much is car insurance in Seattle?

People living in Seattle pay on average $105 per month – or $1,264 per year – on state-minimum liability coverage. Full coverage in Seattle costs on average $173 per month or $2,082 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Seattle?

Based on thousands of Seattle drivers Jerry has worked with, car insurance in Seattle costs an average of $105 per month for state-minimum coverage and $173 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Seattle?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Seattle drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Seattle, Washington?

The state-minimum car insurance in Seattle, Washington is as follows:
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
These coverages are commonly referred to as 20/40/15 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. As a car owner herself, Amy is passionate about creating content that helps consumers navigate challenging and sometimes difficult processes relating to car ownership and achieve financial success in areas relating to cars.
A lifelong writer with over 10 years of experience as a freelance editor, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.