120+ more*Quotes generated for Insurify users in and around Seattle, Washington within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Seattle, Washington within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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State Farm is the cheapest insurer overall in Seattle, Washington.
The average monthly liability-only rate in Seattle is $104, which is higher than the Washington state average of $95.
The Seattle metro area ranked No. 10 nationally in car theft volume in the first half of 2025.
The average monthly cost of a liability-only car insurance policy in Seattle is $104, while a full-coverage policy averages $204. These insurance rates are cheaper than in nearby Tacoma, but much more expensive than in Olympia and Spokane.
These higher rates are likely due to the vehicle theft risk in the Seattle-Tacoma-Bellevue metro area. Seattle ranks No. 10 nationally in theft volume and No. 1 overall in Washington state.
Check out average monthly insurance rates in Seattle and Washington state.
Car Insurance Costs in Seattle vs. Washington  | Average Monthly Quote |
|---|---|
| Seattle average | $154 |
| Washington average | $139 |
State Farm has the cheapest liability-only car insurance in Seattle, with an average cost of $61 per month.
State Farm is the cheapest insurer in Seattle for full-coverage car insurance, with an average monthly rate of $124.
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Seattle is home to an estimated 816,600 people, a 34% increase since 2010. This means roads can be busy and parking can be difficult.
The Seattle Department of Transportation aims to have two parking spaces available on each block throughout the day. Prices range anywhere from $1 to $8 per hour, depending on the time of day and location of the parking space.
Summer is peak tourist season, and millions of people visit the downtown area each year, contributing to heavy traffic. In fact, Seattle ranked No. 10 in the nation for traffic congestion in 2025, according to INRIX.[1]
While Seattle doesn’t see as much snow as other major U.S. cities, winter weather can create hazardous driving conditions. There aren’t enough trucks to plow all of Seattle’s streets, and some streets are too steep for the city to keep open during winter weather.
In addition to traffic and weather challenges, Washington state also has one of the highest uninsured driver rates in the country. The state ranks 10th, with approximately 19.1% of drivers without insurance.[2]
As a result, if you’re in an accident with an uninsured driver in Seattle, you could be responsible for covering your own vehicle repair costs.
King County and the Seattle metro area have the highest vehicle theft rates in Washington state. In total, King County had 4,659 vehicle thefts in the first half of 2025 — a 39% decrease from the previous year but still high enough to rank No. 10 in the nation.
Drivers in areas with higher vehicle theft rates often pay more for car insurance than drivers in areas with lower theft risks.
Seattle is among the most expensive cities in Washington for car insurance. But nearby Tacoma’s rates are higher, at $111 per month for liability-only coverage and $211 per month for full coverage.
Other Washington cities, including Kennewick, Spokane, and Vancouver, have much lower average monthly rates, at $110, $115, and $133, respectively.
Car insurance in Seattle and Tacoma is more expensive than in smaller Washington cities because of their higher crime and vehicle theft rates. The Puget Sound region is also the most populous in Washington state, with more than 4.5 million residents in 2025.
The table below shows the cheapest car insurance rates in Seattle and several other Washington cities.
Seattle’s increasing population means more cars on the road and heavier traffic. In 2025, the average time to travel six miles was about 16 minutes, with average rush hour speeds of just 17.5 mph, according to the TomTom Traffic Index.[3]
Congestion is much higher between June and September, when tourists visit the city during school holidays.
Some of the busiest roads by volume in Seattle are:
First Avenue South Bridge (SR99)
West Seattle High Bridge
Mercer Street, west of Fairview Avenue North
Aurora Bridge
Spokane Street Viaduct, east of First Avenue South
The more traffic, the higher the risk of an accident. This can result in higher car insurance rates.
The average monthly cost for liability-only car insurance in Seattle is $104. Seattle’s liability rate is slightly higher than the Washington statewide averages of $95 per month.
Washington requires drivers to meet the following minimum liability coverage requirements:[4]
$25,000 per person for bodily injury liability or death
$50,000 per accident for bodily injury liability or death
$10,000 per accident for property damage liability
The following data shows the companies with the cheapest rates for liability-only car insurance in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $61 |
| USAA | $62 |
| Allstate | $81 |
| American Family | $93 |
| Direct Auto | $93 |
| The General | $94 |
| Nationwide | $96 |
| National General | $97 |
| Progressive | $99 |
| GEICO | $102 |
| Chubb | $104 |
| Farmers | $108 |
| Safeco | $113 |
| Travelers | $126 |
| Dairyland | $128 |
| Bristol West | $131 |
| Liberty Mutual | $194 |
The average cost for a full-coverage car insurance policy in Seattle is $204 per month. That’s slightly less than in Tacoma, where drivers pay $211 per month, but more than the $148 monthly average in Spokane.
The increased risk of vehicle theft in Seattle can make a full-coverage policy a smart purchase. This type of policy includes comprehensive and collision coverage, which protects against car theft and offers peace of mind.
The table below shows the lowest full-coverage car insurance rates in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $124 |
| USAA | $127 |
| Allstate | $165 |
| GEICO | $166 |
| Safeco | $166 |
| Direct Auto | $172 |
| National General | $179 |
| American Family | $187 |
| Nationwide | $193 |
| Progressive | $200 |
| The General | $203 |
| Chubb | $209 |
| Farmers | $219 |
| Travelers | $256 |
| Liberty Mutual | $270 |
| Bristol West | $293 |
| Dairyland | $309 |
*Quotes generated for Insurify users in and around Seattle, Washington within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Seattle, Washington within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 4.2% of drivers in Seattle have a speeding ticket on their driving record, according to Insurify data. In Washington, a speeding ticket could cost anywhere from $33 to $188, depending on how fast you were driving.
State Farm has the cheapest liability-only car insurance rates for Seattle drivers with a speeding ticket, averaging $80 per month.
The data below highlights insurers with the cheapest rates for drivers with a speeding ticket in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $80 |
| USAA | $82 |
| Allstate | $108 |
| Direct Auto | $120 |
| American Family | $124 |
| National General | $125 |
| Nationwide | $128 |
| The General | $130 |
| Progressive | $132 |
| Chubb | $137 |
| GEICO | $138 |
| Farmers | $143 |
| Safeco | $153 |
| Dairyland | $164 |
| Travelers | $168 |
| Bristol West | $170 |
| Liberty Mutual | $255 |
At $83 per month, State Farm has the lowest average rates for drivers in Seattle with an at-fault accident on their record. In Seattle, about 5.4% of drivers have an accident in their driving history, according to Insurify data.
Washington is an at-fault state, meaning the driver who caused the accident is responsible for damages.
Below, see the lowest rates for drivers with an at-fault accident in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| USAA | $85 |
| Allstate | $111 |
| American Family | $128 |
| Direct Auto | $129 |
| National General | $132 |
| The General | $132 |
| Nationwide | $132 |
| Progressive | $137 |
| GEICO | $137 |
| Chubb | $142 |
| Farmers | $148 |
| Safeco | $160 |
| Dairyland | $173 |
| Travelers | $174 |
| Bristol West | $177 |
| Liberty Mutual | $263 |
About 0.7% of Seattle drivers have a DUI on their record, Insurify data shows. Seattle has a DUI squad that detects impaired drivers, responds to collisions and reports of a driver potentially under the influence, and appears in court for DUI cases.
After a DUI in Washington, you may need to file an SR-22.
State Farm has the lowest average rates for Seattle drivers with a driving under the influence (DUI) conviction, at $86 per month.
The data below lists the cheapest rates for Seattle drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $86 |
| USAA | $87 |
| Allstate | $114 |
| American Family | $125 |
| The General | $128 |
| Direct Auto | $131 |
| Nationwide | $135 |
| Progressive | $135 |
| National General | $136 |
| GEICO | $142 |
| Chubb | $146 |
| Farmers | $152 |
| Safeco | $169 |
| Travelers | $177 |
| Dairyland | $180 |
| Bristol West | $184 |
| Liberty Mutual | $272 |
The average cost of a liability-only policy for teenage drivers in Seattle is $221 per month.
Washington law requires teens to be 15 years old and take a driver training course to get a learner’s permit, and they must be at least 16 to get an intermediate license. Teen drivers have restrictions until they turn 18, including a ban on cell phone use.
The following table shows the lowest insurance rates for teenage drivers in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $124 |
| State Farm | $128 |
| Allstate | $173 |
| The General | $184 |
| American Family | $190 |
| Direct Auto | $195 |
| GEICO | $200 |
| Nationwide | $202 |
| National General | $209 |
| Progressive | $211 |
| Chubb | $230 |
| Farmers | $233 |
| Dairyland | $243 |
| Safeco | $247 |
| Bristol West | $253 |
| Travelers | $282 |
| Liberty Mutual | $370 |
Liability rates start as low as $61 per month
About 13% of Seattle residents are age 65 or older, compared to 17.3% statewide.
Liability-only car insurance for senior drivers costs an average of $92 per month in Seattle. State Farm has the lowest rates for seniors, at $48 per month.
See the table below for insurers with the cheapest car insurance rates for senior drivers in Seattle.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| USAA | $51 |
| Allstate | $66 |
| Nationwide | $74 |
| American Family | $75 |
| National General | $77 |
| Direct Auto | $77 |
| Chubb | $79 |
| The General | $81 |
| GEICO | $82 |
| Farmers | $87 |
| Progressive | $87 |
| Safeco | $100 |
| Travelers | $102 |
| Dairyland | $110 |
| Bristol West | $111 |
| Liberty Mutual | $163 |
The following answers to questions about Seattle car insurance can help you find the best insurance company for your needs.
State Farm is the cheapest car insurance company in Seattle, with liability-only coverage costing an average of $61 per month.
Car insurance premiums in Seattle average $154 per month overall.
Full-coverage car insurance, including collision and comprehensive coverage, is a good option in Seattle. It protects against severe weather risks, such as coastal and inland flooding, and covers damage if you’re in a crash.
Adding uninsured motorist coverage can also protect you, given the state’s high rate of uninsured drivers. Choosing liability limits higher than the state minimum provides additional financial protection if someone sues you.
The city of Seattle saw 7,253 car accidents in 2025. Of these, 31 were fatal, and 239 resulted in a serious injury.
The minimum coverage requirements in Seattle are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage liability insurance.
To lower your car insurance rates in Seattle, you can shop around for auto insurance quotes, ask your insurer about discounts like bundling, and consider a policy with higher collision and comprehensive deductibles.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
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