According to Bankrate’s 2021 study on annual premiums, the average cost of car insurance Seattle is $1397 for full coverage and $601 for minimal coverage. Seattle drivers can obtain a lower rate if they choose an insurance company with low rates and great discounts.
In 2018, there were 10,249 car accidents in Seattle. However, the rate has been steadily declining over the past several years. To protect yourself against liability in the event that an accident occurs, every driver in Seattle must have minimum car insurance. It is important to have adequate insurance that is affordable and offered by the best Washington car insurance companies. Here’s where you can find cheap car insurance Seattle.
Seattle’s best car insurance companies
Geico, Progressive and USAA are the top car insurance companies. These providers were chosen based on their average premiums and discounts, coverage options, customer satisfaction scores, financial strength ratings, and financial strength ratings.
Allstate can be a great choice for young drivers, but it is especially good for Seattle drivers. Teen drivers can also save money by getting good grades and completing the teenSMART(r), driver education program, or being absent from school. Allstate offers several additional coverage options, as well as a variety of discounts.
Geico has a reputation for offering affordable car insurance premiums throughout Seattle and the nation. Although the company does not offer comprehensive coverage, it offers a wide range of discounts for car insurance that can be used by a wide variety of drivers. Geico offers savings for military personnel, government employees, smart student, emergency deployment, member/membership groups, as well as other individuals.
PEMCO, a regional insurer based in Seattle, is one of the leading providers of insurance. Many unique coverage options are offered by the company, including key replacement coverage, pet insurance and accidental death coverage. Discounts are available for University of Washington alumni. Drivers can also save money.
Progressive offers some of the most comprehensive coverage, discounts, and online tools available in the insurance industry. Seattle drivers have the option to customize their policy by adding gap insurance, rideshare insurance, and custom parts coverage. Progressive offers many discounts including Snapshot safe driver rewards program which averages $145 in savings.
USAA has been rated the best car insurance provider by J.D. There is power in all regions, even Washington State. In addition to offering affordable premiums, the company provides exceptional customer service and excellent coverage. Only one catch: To be eligible for coverage, drivers must be veterans or active duty military personnel.
Seattle has the lowest car insurance
Seattle’s average car insurance rate is higher than that in Washington State. An average Washington driver will pay $1,176 annually for full coverage insurance and $98 per year for minimal coverage insurance. Drivers can still get lower rates if they choose an affordable insurance company like the one in the table.
Each car insurance company has strengths and weaknesses. USAA, for example, has great rates and excellent customer service. However, only veterans and military personnel are eligible. Geico has the lowest rates in Seattle but limited coverage and a poor customer service.
Although Progressive has the most customizable coverage, the rates are slightly higher. State Farm has two discount programs for safe drivers, one for young drivers and a few add-on coverages. Travelers has a solid reputation for insurance, but their customer service and handling of claims is poor.
You should also consider that the customer satisfaction ratings of these five providers are different according to J.D. Power’s 2020 U.S. Auto Insurance Study. Geico, USAA, and PEMCO are rated higher than average, while State Farm and Travelers are lower than average.
Seattle insurance requirements
All drivers in Seattle must have car insurance. 25/50/10 is the minimum personal liability insurance that can be purchased. This includes:
- $25,000 bodily injury coverage per individual
- $50,000 per accident bodily injury coverage
- $10,000 in property damage coverage per accident
Seattle’s cheapest policy is liability-only insurance. Insurance companies recommend that drivers buy more coverage than is necessary. Washington State’s minimum coverage insurance does not cover all costs associated with car accidents.
Some drivers in Seattle must also have full coverage insurance. If a vehicle is leased or financed, most lenders require that drivers have full coverage insurance. Drivers have the option of dropping their coverage to only liability insurance once the loan has been paid off.
Seattle car insurance discount
Seattle drivers can benefit from discounts to obtain a lower policy. These are the top Washington car insurance discounts:
- No claims: Drivers who have not had any accidents or claims in the past several years will be eligible for a discount on their auto insurance policies.
- Vehicle safety equipment: Cars with certain safety features like anti-theft devices and anti-lock brakes usually get a lower premium.
- Students who are a good student: Insurance companies often offer discounts to students who have excellent grades or maintain a minimum GPA.
- Full payment: Drivers who are able to afford to pay their annual premium in full and upfront, instead of in monthly installments can receive a lower premium.
Questions frequently asked
Which is the best auto insurance company?
Because every driver is different, the best car insurance company will vary. Different drivers have different needs. Some are looking to get the lowest rates while others want specific coverages. Others are looking to receive the best customer service. Drivers need to shop around to compare providers according to their individual criteria in order find the best company.
What is the cost of car insurance in Seattle?
An average Seattle driver will pay $1,397 to get full coverage insurance. A minimum coverage policy costs $601. Remember that each driver will pay a different rate depending on rate factors such as their ZIP code, age and credit score, claims history, car type, and policy deductible.
What amount of car insurance do you need in Seattle?
Seattle drivers must have at least 25/50/10 personal liability insurance. For greater protection, many drivers opt for full coverage insurance, which includes collision insurance coverage.