Cost of Car Insurance in Seattle, WA – 2025 Rates + Comparisons

How much will auto insurance cost in Seattle? We compare average insurance rates to find the models with cheap car insurance in Seattle.

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  • Average car insurance cost in Seattle is $2,506 per year, or $209 per month, for a full-coverage policy.
  • Small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks are the top picks for cheap car insurance in Seattle.
  • Vehicles with the cheapest car insurance in their segment include the Nissan Titan ($2,346 per year), Chevrolet Colorado ($2,208 per year), Chevrolet Tahoe ($2,350 per year), and Acura Integra ($2,226 per year).

How much does car insurance cost in Seattle?

Average car insurance rates in Seattle cost $2,506 per year, or approximately $209 per month. When compared to the U.S. average rate, Seattle car insurance cost is 12.1% more expensive per year.

In the state of Washington, average auto insurance cost is $2,304 per year, so the average cost in Seattle is $202 more per year. When rates are compared to other larger cities in Washington, the cost of auto insurance in Seattle is around $168 per year more expensive than in Bellevue, $8 per year cheaper than in Kent, and $336 per year more than in Spokane.

The next chart shows average Seattle car insurance rates for 2024 model year vehicles not only by driver age, but also by policy deductibles.

Average full-coverage car insurance premium in Seattle, WA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Seattle, WA for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Seattle, WA Zip Codes.

Average Car Insurance Cost in Seattle, WA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,264$355
$500$5,042$420
$250$5,862$489
30$1,000$2,240$187
$500$2,674$223
$250$3,126$261
40$1,000$2,110$176
$500$2,506$209
$250$2,920$243
50$1,000$1,878$157
$500$2,220$185
$250$2,580$215
60$1,000$1,756$146
$500$2,078$173
$250$2,414$201

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Seattle, WA Zip Codes. Updated June 27, 2025

The average cost of auto insurance per month in Seattle is $209, with policy premium ranging from $146 to $489 for drivers age 20 to 60 and policy deductibles of $250, $500 and $1,000.

The age of the driver has the single biggest impact on the price you pay for car insurance, so the list below illustrates these differences by breaking out average car insurance rates depending on driver age.

Average cost of car insurance in Seattle by driver age

  • 16 year old – $8,924 per year or $744 per month
  • 17 year old – $8,648 per year or $721 per month
  • 18 year old – $7,747 per year or $646 per month
  • 19 year old – $7,058 per year or $588 per month
  • 20 year old – $5,042 per year or $420 per month
  • 30 year old – $2,674 per year or $223 per month
  • 40 year old – $2,506 per year or $209 per month
  • 50 year old – $2,220 per year or $185 per month
  • 60 year old – $2,078 per year or $173 per month

The rates listed above for drivers age 16 to 19 used a male as the rated driver. The next chart goes into more detail for teenage car insurance rates and illustrates car insurance cost for teens by gender. In general, female drivers tend to have cheaper car insurance, especially as teenagers.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Seattle includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Seattle, WA for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,924$8,335
17-Year-Old$8,648$8,284
18-Year-Old$7,747$7,152
19-Year-Old$7,058$5,965

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Auto insurance for a 16-year-old female in Seattle costs an average of $589 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is less but females still cost $1,093 less per year.

What are the cheapest vehicles to insure in Seattle?

The models with the cheapest average insurance quotes in Seattle tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision.

Average car insurance prices for those small SUVs cost $2,179 or less per year ($182 per month) to get full coverage.

Some additional vehicles that rank in the top 20 in the cost comparison table below are the Nissan Murano, Buick Envista, Buick Encore, and Ford Bronco Sport.

The average rates are slightly more for those models than the small SUVs at the top of the list, but they still have an average insurance cost of $2,334 or less per year.

The following table ranks the vehicles with the cheapest overall insurance rates in Seattle, ordered by annual cost.

Top 20 Cheapest Car Insurance Rates in Seattle
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,852$154
2Chevrolet Trailblazer$1,882$157
3Kia Soul$1,954$163
4Nissan Kicks$1,972$164
5Honda Passport$1,998$167
6Buick Envision$2,006$167
7Toyota Corolla Cross$2,020$168
8Hyundai Venue$2,036$170
9Mazda CX-5$2,044$170
10Ford Bronco Sport$2,050$171
11Volkswagen Tiguan$2,074$173
12Acura RDX$2,094$175
13Nissan Murano$2,104$175
14Buick Encore$2,128$177
15Honda CR-V$2,134$178
16Subaru Outback$2,134$178
17Buick Envista$2,140$178
18Volkswagen Taos$2,146$179
19Kia Niro$2,156$180
20Honda HR-V$2,178$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Seattle, WA with the Subaru Crosstrek ranking first at $1,852 per year
Top 20 cheapest vehicles to insure in Seattle, WA with the Subaru Crosstrek ranking first at $1,852 per year

A table showing 20 vehicle models with cheap Seattle car insurance is probably not the best way to present a complete summary of Seattle insurance rates. Considering we track over 700 vehicles, that’s a lot of vehicles that get omitted from the list. So let’s dig deeper and break out the cheapest models a different way:.

This next article section goes into detail about the average cost of auto insurance by vehicle segment. The average rates shown should give you a good understanding of which segments have the overall least expensive average car insurance rates. Then the six sections following the chart rank the vehicles with the cheapest insurance rates in each automotive segment.

Seattle car insurance rates by automotive segment

If you’re considering buying a new car, it’s a good idea to have a basic understanding of which categories of vehicles have cheaper insurance rates. For example, you may be curious if compact cars are more affordable to insure than midsize cars or if luxury models are more expensive to insure than regular vehicles.

The chart below shows average auto insurance rates by segment in Seattle. When looking at rates from a segment perspective, small SUVs and midsize pickups tend to have the most affordable average rates, while large luxury, performance, and sports cars have the most expensive insurance.

Car insurance average cost by automotive segment in Seattle, WA.
Figure 3: Car insurance average cost by automotive segment in Seattle, WA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Seattle Zip Codes.

Car Insurance Rates by Automotive Segment in Seattle, WA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,300$192
Midsize SUV$2,472$206
Compact Car$2,476$206
Minivan$2,480$207
Midsize Pickup$2,530$211
Midsize Car$2,554$213
Compact Luxury SUV$2,718$227
Compact Luxury Car$2,756$230
Large SUV$2,766$231
Half-ton Pickup$2,778$232
Heavy Duty Pickup$2,882$240
Midsize Luxury SUV$2,976$248
Midsize Luxury Car$3,074$256
Sports Car$3,446$287
Large Car$3,602$300
Large Luxury SUV$3,878$323
Large Luxury Car$4,008$334

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Average rates by automotive segment are accurate enough to form a general comparison, but the insurance cost for specific vehicles ranges greatly within each segment listed in the above chart.

For example, in the small SUV segment, car insurance rates in Seattle range from the Subaru Crosstrek at $1,852 per year to the Ford Mustang Mach-E costing $2,928 per year.

As another example, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado costing $2,208 per year up to the Rivian R1T costing $3,124 per year.

In the next sections of the article, we eliminate this variability by looking at auto insurance cost in Seattle on a model level rather than a segment level.

Cheapest cars to insure in Seattle

The lowest-cost 2-door and 4-door sedans and hatchbacks to insure in Seattle are the Toyota GR Corolla at $2,178 per year, the Nissan Leaf at $2,194 per year, and the Honda Civic at $2,218 per year.

Rounding out the top 10 are cars like the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Kia K5, with an average car insurance cost of $2,438 per year or less.

Additional models on the list include the Kia Forte, Nissan Versa, Toyota Crown, and Mitsubishi Mirage G4, which cost between $2,438 and $2,590 per year for full-coverage insurance.

On a monthly basis, full-coverage car insurance in this segment for a safe driver starts at an average of $182 per month, depending on the company and your location.

The comparison table below ranks the cars with the cheapest auto insurance rates in Seattle, starting with the Toyota GR Corolla at $2,178 per year ($182 per month) and ending with the Mazda 3 at $2,590 per year ($216 per month).

Cheapest Insurance for Cars in Seattle
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,178$182
Nissan LeafCompact$2,194$183
Honda CivicCompact$2,218$185
Nissan SentraCompact$2,296$191
Subaru ImprezaCompact$2,300$192
Toyota PriusCompact$2,340$195
Kia K5Midsize$2,412$201
Honda AccordMidsize$2,420$202
Chevrolet MalibuMidsize$2,430$203
Toyota CorollaCompact$2,438$203
Kia ForteCompact$2,444$204
Volkswagen ArteonMidsize$2,462$205
Nissan VersaCompact$2,468$206
Subaru LegacyMidsize$2,470$206
Hyundai Ioniq 6Midsize$2,490$208
Mitsubishi Mirage G4Compact$2,526$211
Toyota CrownMidsize$2,534$211
Volkswagen JettaCompact$2,534$211
Hyundai SonataMidsize$2,540$212
Mazda 3Compact$2,590$216

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Seattle, WA, with the Toyota GR Corolla ranking first at $2,178 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Seattle, WA, with the Toyota GR Corolla ranking first at $2,178 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Seattle car insurance quotes from top companies in Washington.

Cheapest SUVs to insure in Seattle

Ranking at the top of the list for the lowest-cost Seattle auto insurance rates in the SUV segment (excluding luxury models) are the Honda Passport, Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Nissan Kicks. Auto insurance prices for these vehicles average $1,998 or less per year.

Also ranking in the top 10 are models like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with an average car insurance cost of $2,050 per year or less.

On a monthly basis, full-coverage auto insurance on this segment in Seattle will start around $154 per month, depending on the company. The table below ranks the twenty SUVs with the most affordable car insurance rates in Seattle, starting with the Subaru Crosstrek at $1,852 per year and ending with the Subaru Ascent at $2,180 per year.

Cheapest Insurance for SUVs in Seattle
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,852$154
Chevrolet TrailblazerCompact$1,882$157
Kia SoulCompact$1,954$163
Nissan KicksCompact$1,972$164
Honda PassportMidsize$1,998$167
Buick EnvisionCompact$2,006$167
Toyota Corolla CrossCompact$2,020$168
Hyundai VenueCompact$2,036$170
Mazda CX-5Compact$2,044$170
Ford Bronco SportCompact$2,050$171
Volkswagen TiguanCompact$2,074$173
Nissan MuranoMidsize$2,104$175
Buick EncoreCompact$2,128$177
Honda CR-VCompact$2,134$178
Subaru OutbackMidsize$2,134$178
Buick EnvistaMidsize$2,140$178
Volkswagen TaosCompact$2,146$179
Kia NiroCompact$2,156$180
Honda HR-VCompact$2,178$182
Subaru AscentMidsize$2,180$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Seattle, WA, with the Subaru Crosstrek ranking first at $1,852 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Seattle, WA, with the Subaru Crosstrek ranking first at $1,852 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance rates for your SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Washington.

Cheapest sports cars to insure in Seattle

Ranking #1 in Seattle for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, at $2,318 per year. Second place is the Toyota GR86 costing $2,638 per year, coming in third is the Ford Mustang, costing an average of $2,750 per year, and coming in fourth is the BMW Z4, at an average of $2,766 per year.

Also ranking well are models like the Lexus RC F, Nissan Z, Subaru BRZ, and BMW M2, with average insurance cost of $2,994 per year or less.

Ranking between positions 10 and 20, models like the BMW M4, Mercedes-Benz AMG GT53, Porsche 718, Porsche 911, and Lexus LC 500 cost between $2,994 and $4,244 per year for insurance.

From a monthly standpoint, full-coverage car insurance in Seattle on this segment for a middle-age safe driver starts at around $193 per month, depending on the company and your location. The rate comparison table below ranks the twenty sports cars with the lowest-cost insurance in Seattle, starting with the Mazda MX-5 Miata at $193 per month and ending with the Porsche Taycan at $354 per month.

Cheapest Insurance for Sports Cars in Seattle
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,318$193
Toyota GR86Sports Car$2,638$220
Ford MustangSports Car$2,750$229
BMW Z4Sports Car$2,766$231
Subaru WRXSports Car$2,810$234
Toyota GR SupraSports Car$2,814$235
BMW M2Sports Car$2,898$242
Nissan ZSports Car$2,902$242
Lexus RC FSports Car$2,960$247
Subaru BRZSports Car$2,994$250
BMW M3Sports Car$3,164$264
Porsche 718Sports Car$3,228$269
Chevrolet CamaroSports Car$3,254$271
Chevrolet CorvetteSports Car$3,470$289
Porsche 911Sports Car$3,590$299
BMW M4Sports Car$3,740$312
Lexus LC 500Sports Car$3,758$313
Jaguar F-TypeSports Car$3,954$330
Mercedes-Benz AMG GT53Sports Car$4,146$346
Porsche TaycanSports Car$4,244$354

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Seattle, WA, with the Mazda MX-5 Miata ranking first at $2,318 per year.
Ranking of the cheapest sports cars to insure in Seattle, WA, with the Mazda MX-5 Miata ranking first at $2,318 per year.

Looking for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Washington.

Cheapest pickup trucks to insure in Seattle

Ranked at #1 in Seattle for the most affordable average insurance rates in the pickup truck segment is the Chevrolet Colorado, at an average of $2,208 per year. Second place is the Nissan Titan at $2,346 per year, and the third cheapest is the Nissan Frontier, costing an average of $2,368 per year.

Not the cheapest pickups to insure, but still very reasonable, are models like the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Toyota Tacoma, with average insurance cost of $2,576 per year or less.

Car insurance rates in this segment for the average driver will start around $184 per month, depending on your location and insurance company.

The next table ranks the twenty pickups with the lowest-cost car insurance rates in Seattle, starting with the Chevrolet Colorado at $2,208 per year ($184 per month) and ending with the Ram Truck at $2,900 per year ($242 per month).

Cheapest Insurance for Pickups in Seattle
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,208$184
Nissan TitanFull-size$2,346$196
Nissan FrontierMidsize$2,368$197
Ford RangerMidsize$2,394$200
Ford MaverickMidsize$2,432$203
Honda RidgelineMidsize$2,484$207
Hyundai Santa CruzMidsize$2,528$211
Toyota TacomaMidsize$2,536$211
GMC Sierra 2500 HDHeavy Duty$2,550$213
GMC CanyonMidsize$2,576$215
Jeep GladiatorMidsize$2,640$220
GMC Sierra 3500Heavy Duty$2,654$221
Chevrolet Silverado HD 3500Heavy Duty$2,680$223
Chevrolet Silverado HD 2500Heavy Duty$2,748$229
GMC SierraFull-size$2,766$231
Chevrolet SilveradoFull-size$2,768$231
Nissan Titan XDHeavy Duty$2,770$231
Ford F150Full-size$2,806$234
GMC Hummer EV PickupFull-size$2,874$240
Ram TruckFull-size$2,900$242

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Seattle, WA, with the Chevrolet Colorado ranking first at $2,208 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Seattle, WA, with the Chevrolet Colorado ranking first at $2,208 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Washington.

Cheapest luxury car insurance rates in Seattle

The four cheapest luxury car models to insure in Seattle are the Acura Integra at $2,226 per year, BMW 330i at $2,550 per year, Mercedes-Benz CLA250 at $2,576 per year, and Lexus IS 300 at $2,582 per year.

Some other luxury cars that are affordable to insure are the Lexus ES 350, Genesis G70, Cadillac CT4, and Lexus RC 300, with an average cost of $2,632 per year or less.

Full-coverage car insurance in Seattle for this segment starts at around $186 per month, depending on the company and where you live.

The rate comparison table below ranks the cars with the most affordable insurance rates in Seattle, starting with the Acura Integra at $2,226 per year ($186 per month) and ending with the Audi S3 at $2,808 per year ($234 per month).

Cheapest Insurance for Luxury Cars in Seattle
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,226$186
BMW 330iCompact$2,550$213
Mercedes-Benz CLA250Midsize$2,576$215
Lexus IS 300Midsize$2,582$215
Acura TLXCompact$2,590$216
Cadillac CT4Compact$2,616$218
Lexus ES 350Midsize$2,616$218
Genesis G70Compact$2,620$218
Mercedes-Benz AMG CLA35Midsize$2,626$219
Lexus RC 300Midsize$2,632$219
Lexus IS 350Compact$2,644$220
Jaguar XFMidsize$2,650$221
Cadillac CT5Midsize$2,698$225
Lexus ES 250Midsize$2,708$226
Lexus RC 350Compact$2,716$226
BMW 330eCompact$2,720$227
BMW 228iCompact$2,724$227
BMW 230iCompact$2,744$229
Lexus ES 300hMidsize$2,750$229
Audi S3Compact$2,808$234

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Seattle, WA, with the Acura Integra ranking first at $2,226 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Seattle, WA, with the Acura Integra ranking first at $2,226 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance cost for your luxury car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Seattle car insurance quotes from top-rated car insurance companies in Washington.

Cheapest luxury SUVs to insure in Seattle

Sitting at number one in Seattle for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, costing $2,094 per year. Second place is the Lexus NX 250 costing $2,218 per year, ranking third is the Cadillac XT4, at an average of $2,260 per year, and coming in fourth is the Jaguar E-Pace, costing an average of $2,344 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lincoln Corsair, with average insurance cost of $2,416 per year or less.

As a cost per month, car insurance rates in this segment for a safe driver can cost as low as $175 per month, depending on your location and insurance company.

When vehicle size is considered, the cheapest compact luxury SUV to insure in Seattle is the Acura RDX at $2,094 per year, or $175 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,344 per year, or $195 per month. And for full-size luxury SUV models, the Infiniti QX80 is cheapest to insure at $2,808 per year, or $234 per month.

The next table ranks the SUVs with the cheapest car insurance in Seattle, starting with the Acura RDX at $175 per month and ending with the Lexus RX 350 at $210 per month.

Cheapest Insurance for Luxury SUVs in Seattle
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,094$175
Lexus NX 250Compact$2,218$185
Cadillac XT4Compact$2,260$188
Jaguar E-PaceMidsize$2,344$195
Cadillac XT5Midsize$2,362$197
Lexus NX 350hCompact$2,362$197
Lincoln CorsairCompact$2,390$199
Mercedes-Benz GLB 250Compact$2,396$200
Lexus UX 250hCompact$2,400$200
Lexus NX 450hCompact$2,416$201
Infiniti QX50Midsize$2,436$203
Mercedes-Benz GLA250Compact$2,440$203
Mercedes-Benz GLA35 AMGCompact$2,448$204
Cadillac XT6Midsize$2,452$204
Infiniti QX60Midsize$2,466$206
Mercedes-Benz AMG GLB35Midsize$2,466$206
Land Rover EvoqueCompact$2,500$208
Acura MDXMidsize$2,504$209
Lexus NX 350Compact$2,512$209
Lexus RX 350Midsize$2,514$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Seattle, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Seattle, WA, with the Acura RDX ranking first at $2,094 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Seattle, WA, with the Acura RDX ranking first at $2,094 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Seattle car insurance quotes from top-rated companies in Washington.

Seattle auto insurance cost examples

In an effort to show how much auto insurance cost can change from one driver to the next (and also emphasize the importance of accurate rate quotes), the examples below have multiple rates for four popular vehicles in Seattle: the Ram Truck, Nissan Sentra, Toyota Highlander, and Honda Accord.

Each chart shows average rates for a range of driver profiles to show how rates can be very different with only minor risk factor changes.

Ram Truck insurance rates

In Seattle, the lowest-cost auto insurance rates for a 2024 Ram 1500 pickup are on the Tradesman Crew Cab 4WD model, costing an average of $2,560 per year, or around $213 per month. This model has a MSRP of $43,270.

The most expensive 2022 Ram Truck to insure in Seattle is the TRX Final Edition 4WD model, costing an average of $3,170 per year, or about $264 per month. The sticker price for this trim is $109,435, before documentation and destination fees.

From a cost per month standpoint, car insurance quotes on the Ram Truck can range from $213 to $264 per month, depending on the company and your Zip Code in Seattle.

The bar chart below should help you understand how the prices of car insurance for a Ram Truck can range significantly based on a number of different driver ages and risk profiles.

Average 2024 Ram Truck insurance premiums in Seattle for different driver ages and risk scenarios.
Figure 4: Average 2024 Ram Truck insurance premiums in Seattle for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Seattle includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Seattle, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,676$556
Safe Driver Age 20$5,842$487
At-fault Accidents Age 40$4,108$342
Low Deductibles Age 40$3,792$316
Safe Driver Age 30$3,092$258
Safe Driver Age 40$2,900$242
Safe Driver Age 50$2,568$214
High Deductibles Age 40$2,440$203
Discount Rate Age 40$2,404$200
Safe Driver Age 60$2,402$200

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 27, 2025

The Ram Truck is considered a full-size truck, and additional similar models include the Nissan Titan, Toyota Tundra, and Chevrolet Silverado.

Nissan Sentra insurance rates

With a sticker price ranging from $20,630 to $23,720, average Seattle car insurance quotes for a Nissan Sentra cost from $2,244 per year for the Sentra S model up to $2,360 per year on the Sentra SR model.

For our example drivers in the chart below, cost ranges from $1,906 to $5,218 per year, which is a difference of $3,312 per year for insurance on the same vehicle.

Average 2024 Nissan Sentra insurance premiums in Seattle for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Sentra insurance premiums in Seattle for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Seattle includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Seattle, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,218$435
Safe Driver Age 20$4,538$378
At-fault Accidents Age 40$3,252$271
Low Deductibles Age 40$2,902$242
Safe Driver Age 30$2,434$203
Safe Driver Age 40$2,296$191
Safe Driver Age 50$2,054$171
High Deductibles Age 40$1,976$165
Safe Driver Age 60$1,914$160
Discount Rate Age 40$1,906$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra is classified as a compact car, and additional similar models from the same segment include the Volkswagen Jetta, Hyundai Elantra, Chevrolet Cruze, and Honda Civic.

Toyota Highlander insurance rates

Average Toyota Highlander insurance cost in Seattle ranges from $2,096 up to $2,474 per year. The cheapest insurance is on the $37,625 Highlander LE 2WD trim, while the highest-cost model is the $43,825 Highlander Hybrid XLE AWD.

When Seattle car insurance quotes for a Toyota Highlander are compared to the average cost for the entire U.S. for the same vehicle, the cost is anywhere from $138 to $158 more per year in Seattle, depending on the exact trim being insured.

As a cost per month, auto insurance rates on the Toyota Highlander can range from $175 to $206 per month, depending on your insurance company and exact Zip Code in Seattle.

The next rate chart may help illustrate how the prices of car insurance on a Toyota Highlander can range considerably for different driver ages and policy risk profiles. In this example, prices range from $1,896 to $5,210 per year, which is a cost difference of $3,314.

Average 2024 Toyota Highlander insurance premiums in Seattle for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Seattle for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Seattle includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Seattle, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,210$434
Safe Driver Age 20$4,566$381
At-fault Accidents Age 40$3,196$266
Low Deductibles Age 40$3,032$253
Safe Driver Age 30$2,440$203
Safe Driver Age 40$2,280$190
Safe Driver Age 50$2,014$168
Discount Rate Age 40$1,896$158
High Deductibles Age 40$1,892$158
Safe Driver Age 60$1,886$157

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is classified as a midsize SUV, and other models in that segment include the Jeep Grand Cherokee, Kia Telluride, and Ford Edge.

Honda Accord insurance rates

Honda Accord insurance in Seattle averages $2,420 per year, ranging from $2,332 per year on the Accord EX-L Hybrid trim level (MSRP of $34,190) up to $2,482 per year on the Accord LX trim (MSRP of $27,895).

From a monthly standpoint, auto insurance quotes for the Honda Accord for a good driver can range from $194 to $207 per month, but your final cost can vary considerably based on your Seattle Zip Code.

The chart below demonstrates how the prices of car insurance for a Honda Accord can change based on different driver ages, physical damage coverage deductibles, and driver risk profiles.

Average 2024 Honda Accord insurance premiums in Seattle for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in Seattle for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Seattle includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Seattle, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,564$464
Safe Driver Age 20$4,872$406
At-fault Accidents Age 40$3,418$285
Low Deductibles Age 40$3,186$266
Safe Driver Age 30$2,582$215
Safe Driver Age 40$2,420$202
Safe Driver Age 50$2,140$178
High Deductibles Age 40$2,026$169
Discount Rate Age 40$2,010$168
Safe Driver Age 60$2,006$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 26, 2025

The Honda Accord belongs to the midsize car segment, and additional similar models include the Chevrolet Malibu, Toyota Camry, Kia K5, and Nissan Altima.

How to save on auto insurance in Seattle

Drivers are always looking to reduce the monthly expense for car insurance So take a minute or two to look through the money-saving ideas in the list below to see if you can save a little dough on your next auto insurance policy.

  • Obey the law to get lower insurance cost. In order to get cheap auto insurance in Seattle, it’s necessary to follow traffic laws. Just one or two minor traffic violations could result in spiking policy cost as much as $666 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,328 or more.
  • Improve your credit for cheaper car insurance. Having an excellent credit rating above 800 may save $393 per year over a lower credit rating of 670-739. Conversely, a weaker credit score could cost up to $456 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Choose a vehicle that is more affordable to insure. The vehicle you choose to drive is a big factor in the price you pay for car insurance in Seattle. As an example, a Kia Soul costs $2,726 less per year to insure in Seattle than a Acura NSX. Lower performance vehicles save money.
  • Remove unneeded coverage on older vehicles. Dropping full coverage from vehicles that are older will cut the cost of car insurance substantially.
  • Increasing deductibles makes car insurance cheaper. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Your employment could save you money. Many auto insurance companies offer discounts for certain occupations like college professors, dentists, emergency medical technicians, police officers and law enforcement, doctors, and others. If your profession qualifies you for this discount, you could potentially save between $75 and $244 on your yearly car insurance bill, depending on the age of the rated driver.
  • Compare insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance premiums, and companies can sell policies with a wide range of costs. Get plenty of car insurance quotes before you buy a new car so you can avoid price shock when you receive your bill.