Cost of Car Insurance in Seattle, WA – 2022 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 $1,614 per year, or $135 per month, for a full-coverage policy.
  • Small crossovers like the Nissan Kicks, Mazda CX-5, and Subaru Crosstrek are the top picks for cheap car insurance in Seattle.
  • Vehicles with the cheapest car insurance in their segment include the Ford F150 ($1,560 per year), Chevrolet Colorado ($1,326 per year), Chevrolet Tahoe ($1,620 per year), and Mercedes-Benz A220 ($1,586 per year).

How much does car insurance cost in Seattle?

Average car insurance rates in Seattle cost $1,614 per year, or approximately $135 per month. When compared to the U.S. average rate, Seattle car insurance cost is 3% more expensive per year.

In the state of Washington, average auto insurance cost is $1,158 per year, so the average cost in Seattle is $456 more per year. When rates are compared to other larger cities in Washington, the cost of auto insurance in Seattle is around $164 per year more expensive than in Bellevue, $10 per year cheaper than in Kent, and $326 per year more than in Spokane.

The next chart shows average Seattle car insurance rates for 2022 model year vehicles not only by driver age, but also by policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Seattle car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Seattle zip codes.Data last updated on November 14, 2022
Average Car Insurance Cost in Seattle, WA
Average Car Insurance Cost in Seattle, WA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,718$227
$500$3,202$267
$250$3,712$309
30$1,000$1,426$119
$500$1,696$141
$250$1,978$165
40$1,000$1,364$114
$500$1,614$135
$250$1,872$156
50$1,000$1,244$104
$500$1,466$122
$250$1,700$142
60$1,000$1,222$102
$500$1,442$120
$250$1,672$139

The average cost of auto insurance per month in Seattle is $135, with policy premium ranging from $102 to $309 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 – $5,776 per year or $481 per month
  • 17 year old – $5,396 per year or $450 per month
  • 18 year old – $5,038 per year or $420 per month
  • 19 year old – $4,556 per year or $380 per month
  • 20 year old – $3,202 per year or $267 per month
  • 30 year old – $1,696 per year or $141 per month
  • 40 year old – $1,614 per year or $135 per month
  • 50 year old – $1,466 per year or $122 per month
  • 60 year old – $1,442 per year or $120 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Seattle includes all Zip Codes and vehicle trim levels.Data last updated on November 14, 2022
Seattle Car Insurance Cost for Teenagers
Average Car Insurance Cost in Seattle, WA for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$5,776$5,396$5,038$4,556
Female$5,086$4,798$4,372$4,054

Auto insurance for a 16-year-old female in Seattle costs an average of $690 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 $502 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 Nissan Kicks, Mazda CX-5, and Toyota C-HR.

Average car insurance prices for those small SUVs cost $1,592 or less per year ($133 per month) to get full coverage.

Some additional vehicles that rank in the top 20 in the cost comparison table below are the Ford Maverick, Hyundai Kona, Acura RDX, and Hyundai Venue.

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 $1,656 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 Cost Monthly Cost
1Mazda CX-5$1,226$102
2Nissan Kicks$1,258$105
3Chevrolet Trailblazer$1,264$105
4Honda Passport$1,296$108
5Subaru Crosstrek$1,296$108
6Chevrolet Colorado$1,326$111
7Toyota C-HR$1,326$111
8Buick Encore$1,332$111
9Nissan Rogue Sport$1,346$112
10Hyundai Venue$1,372$114
11Buick Envision$1,374$115
12Kia Seltos$1,374$115
13Ford Maverick$1,380$115
14Acura RDX$1,384$115
15Subaru Ascent$1,384$115
16Toyota Corolla Cross$1,384$115
17Hyundai Kona$1,394$116
18Subaru Forester$1,396$116
19Mazda MX-5 Miata$1,400$117
20Subaru Impreza$1,400$117

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
    Top 20 Cheapest Car Insurance Rates in Seattle

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Seattle car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Seattle Zip Codes.Data last updated on November 14, 2022
    Seattle Car Insurance Rates by Vehicle Segment
    Seattle Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,510$126
    Midsize Pickup$1,550$129
    Minivan$1,624$135
    Midsize SUV$1,630$136
    Compact Car$1,660$138
    Midsize Car$1,680$140
    Half-ton Pickup$1,752$146
    Compact Luxury SUV$1,812$151
    Large SUV$1,820$152
    Compact Luxury Car$1,832$153
    Large Car$1,866$156
    Heavy Duty Pickup$1,924$160
    Midsize Luxury SUV$1,948$162
    Midsize Luxury Car$2,134$178
    Sports Car$2,278$190
    Large Luxury SUV$2,438$203
    Large Luxury Car$2,550$213

    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 Mazda CX-5 at $1,226 per year to the Jeep Wrangler costing $1,846 per year.

    As another example, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado costing $1,326 per year up to the Rivian R1T costing $2,054 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 Subaru Impreza at $1,400 per year, the Chevrolet Spark at $1,406 per year, and the Volkswagen Golf at $1,550 per year.

    Rounding out the top 10 are cars like the Toyota Camry, Toyota Corolla, Kia K5, and Nissan Sentra, with an average car insurance cost of $1,586 per year or less.

    Additional models on the list include the Volkswagen Passat, Honda Civic, Hyundai Accent, and Toyota Prius, which cost between $1,586 and $1,676 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 $117 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 Subaru Impreza at $1,400 per year ($117 per month) and ending with the Chevrolet Malibu at $1,676 per year ($140 per month).

    Cheapest Insurance for Cars in Seattle
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,400$117
    Chevrolet SparkCompact$1,406$117
    Volkswagen GolfCompact$1,550$129
    Subaru LegacyMidsize$1,564$130
    Volkswagen JettaCompact$1,568$131
    Honda InsightMidsize$1,570$131
    Nissan SentraCompact$1,574$131
    Kia K5Midsize$1,586$132
    Toyota CamryMidsize$1,586$132
    Toyota CorollaCompact$1,588$132
    Kia RioCompact$1,592$133
    Volkswagen PassatMidsize$1,594$133
    Honda CivicCompact$1,600$133
    Mazda 3Compact$1,606$134
    Mazda 6Midsize$1,608$134
    Toyota PriusCompact$1,610$134
    Hyundai AccentCompact$1,632$136
    Hyundai VelosterCompact$1,650$138
    Kia ForteCompact$1,650$138
    Chevrolet MalibuMidsize$1,676$140

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
      Cheapest Insurance for Cars in Seattle

      A few of the more popular cars that were excluded from the top 20 list above include the Volkswagen GTI at an average of $1,618 per year ($135 per month), the Volkswagen Jetta at $1,534 ($128 per month), the Toyota Avalon at an average of $1,656 ($138 per month), and the Hyundai Sonata costing an average of $1,798 ($150 per month).

      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 Subaru Crosstrek, Mazda CX-5, Chevrolet Trailblazer, Nissan Kicks, and Honda Passport. Auto insurance prices for these vehicles average $1,296 or less per year.

      Also ranking in the top 10 are models like the Buick Encore, Buick Envision, Toyota C-HR, and Hyundai Venue, with an average car insurance cost of $1,374 per year or less.

      On a monthly basis, full-coverage auto insurance on this segment in Seattle will start around $102 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 Mazda CX-5 at $1,226 per year and ending with the Ford Edge at $1,456 per year.

      Cheapest Insurance for SUVs in Seattle
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,226$102
      Nissan KicksCompact$1,258$105
      Chevrolet TrailblazerCompact$1,264$105
      Honda PassportMidsize$1,296$108
      Subaru CrosstrekCompact$1,296$108
      Toyota C-HRCompact$1,326$111
      Buick EncoreCompact$1,332$111
      Nissan Rogue SportCompact$1,346$112
      Hyundai VenueCompact$1,372$114
      Buick EnvisionCompact$1,374$115
      Kia SeltosCompact$1,374$115
      Subaru AscentMidsize$1,384$115
      Toyota Corolla CrossCompact$1,384$115
      Hyundai KonaCompact$1,394$116
      Subaru ForesterCompact$1,396$116
      Volkswagen TiguanCompact$1,400$117
      Honda CR-VCompact$1,412$118
      Mazda CX-30Compact$1,428$119
      Honda HR-VCompact$1,450$121
      Ford EdgeMidsize$1,456$121

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
        Cheapest Insurance for SUVs in Seattle

        Popular SUV models in Seattle don’t always have the lowest-cost car insurance rates. A few of the more popular SUV models that ranked out of the top 20 include the Ford Explorer costing $1,516 per year ($126 per month), the Toyota 4Runner costing an average of $1,572 ($131 per month), and the Chevrolet Tahoe costing $1,620 ($135 per month).

        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 $1,400 per year. Second place is the Ford Mustang costing $1,702 per year, coming in third is the BMW Z4, costing an average of $1,736 per year, and coming in fourth is the Subaru WRX, at an average of $1,836 per year.

        Also ranking well are models like the Chevrolet Corvette, Subaru BRZ, BMW M3, and Audi TT, with average insurance cost of $2,090 per year or less.

        Ranking between positions 10 and 20, models like the Jaguar F-Type, BMW M4, Chevrolet Camaro, Mercedes-Benz AMG GT53, and Porsche Taycan cost between $2,090 and $2,658 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 $117 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 $117 per month and ending with the Lexus LC 500 at $222 per month.

        Cheapest Insurance for Sports Cars in Seattle
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$1,400$117
        Ford MustangSports Car$1,702$142
        BMW Z4Sports Car$1,736$145
        Subaru WRXSports Car$1,836$153
        Toyota GR86Sports Car$1,882$157
        Toyota GR SupraSports Car$1,924$160
        Audi TTSports Car$1,966$164
        Subaru BRZSports Car$2,026$169
        Chevrolet CorvetteSports Car$2,032$169
        BMW M3Sports Car$2,090$174
        Porsche 718Sports Car$2,182$182
        Chevrolet CamaroSports Car$2,236$186
        Lexus RC FSports Car$2,290$191
        Dodge ChallengerSports Car$2,296$191
        Mercedes-Benz AMG GT53Sports Car$2,330$194
        Jaguar F-TypeSports Car$2,440$203
        Porsche TaycanSports Car$2,502$209
        Porsche 911Sports Car$2,564$214
        BMW M4Sports Car$2,572$214
        Lexus LC 500Sports Car$2,658$222

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
          Cheapest Insurance for Sports Cars in Seattle

          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 $1,326 per year. Second place is the Ford Maverick at $1,380 per year, and the third cheapest is the Ford Ranger, costing an average of $1,436 per year.

          Not the cheapest pickups to insure, but still very reasonable, are models like the Hyundai Santa Cruz, Jeep Gladiator, GMC Canyon, and Ford F150, with average insurance cost of $1,588 per year or less.

          Car insurance rates in this segment for the average driver will start around $111 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 $1,326 per year ($111 per month) and ending with the GMC Sierra 3500 at $1,896 per year ($158 per month).

          Cheapest Insurance for Pickups in Seattle
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Chevrolet ColoradoMidsize$1,326$111
          Ford MaverickMidsize$1,380$115
          Ford RangerMidsize$1,436$120
          Toyota TacomaMidsize$1,498$125
          Nissan FrontierMidsize$1,536$128
          Hyundai Santa CruzMidsize$1,552$129
          GMC CanyonMidsize$1,554$130
          Ford F150Full-size$1,560$130
          Honda RidgelineMidsize$1,572$131
          Jeep GladiatorMidsize$1,588$132
          GMC SierraFull-size$1,646$137
          Nissan TitanFull-size$1,706$142
          Chevrolet SilveradoFull-size$1,736$145
          Toyota TundraFull-size$1,736$145
          Ford F350 Super DutyHeavy Duty$1,752$146
          Chevrolet Silverado HD 3500Heavy Duty$1,766$147
          Nissan Titan XDHeavy Duty$1,812$151
          Ram TruckFull-size$1,844$154
          GMC Sierra 2500 HDHeavy Duty$1,884$157
          GMC Sierra 3500Heavy Duty$1,896$158

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
            Cheapest Insurance for Pickups in Seattle

            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 ILX at $1,486 per year, Mercedes-Benz A220 at $1,586 per year, BMW 330i at $1,704 per year, and Acura TLX at $1,716 per year.

            Some other luxury cars that are affordable to insure are the BMW 228i, BMW 230i, BMW 330e, and Alfa Romeo Giulia, with an average cost of $1,790 per year or less.

            Full-coverage car insurance in Seattle for this segment starts at around $124 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 ILX at $1,486 per year ($124 per month) and ending with the Audi S3 at $1,874 per year ($156 per month).

            Cheapest Insurance for Luxury Cars in Seattle
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,486$124
            Mercedes-Benz A220Compact$1,586$132
            BMW 330iCompact$1,704$142
            Acura TLXCompact$1,716$143
            Volvo S60Compact$1,730$144
            BMW 330eCompact$1,738$145
            BMW 228iCompact$1,746$146
            BMW 230iCompact$1,758$147
            Lexus RC 300Midsize$1,788$149
            Alfa Romeo GiuliaCompact$1,790$149
            Cadillac CT4Compact$1,794$150
            Lexus RC 350Compact$1,798$150
            Genesis G70Compact$1,822$152
            Mercedes-Benz AMG CLA35Midsize$1,830$153
            BMW i4Midsize$1,840$153
            Cadillac CT5Midsize$1,848$154
            Audi A3Midsize$1,868$156
            Audi A4Compact$1,872$156
            Audi S3Compact$1,874$156
            Mercedes-Benz AMG CLA45Midsize$1,874$156

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
              Cheapest Insurance for Luxury Cars in Seattle

              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 $1,384 per year. Second place is the Cadillac XT4 costing $1,418 per year, ranking third is the Volvo XC40, at an average of $1,554 per year, and coming in fourth is the Cadillac XT5, costing an average of $1,586 per year.

              Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Lexus UX 250h, BMW X1, Lexus NX 350, and Lexus NX 350h, with average insurance cost of $1,650 per year or less.

              As a cost per month, car insurance rates in this segment for a safe driver can cost as low as $115 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 $1,384 per year, or $115 per month. For midsize 2022 models, the Cadillac XT5 is cheapest to insure at $1,586 per year, or $132 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,744 per year, or $145 per month.

              The next table ranks the SUVs with the cheapest car insurance in Seattle, starting with the Acura RDX at $115 per month and ending with the Lincoln Corsair at $142 per month.

              Cheapest Insurance for Luxury SUVs in Seattle
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,384$115
              Cadillac XT4Compact$1,418$118
              Volvo XC40Compact$1,554$130
              Cadillac XT5Midsize$1,586$132
              Lexus NX 250Compact$1,604$134
              BMW X1Compact$1,606$134
              Lexus NX 350hCompact$1,616$135
              Lexus UX 250hCompact$1,616$135
              Lexus NX 350Compact$1,644$137
              Lexus UX 200Compact$1,650$138
              Jaguar E-PaceMidsize$1,654$138
              Lexus RX 350Midsize$1,662$139
              Acura MDXMidsize$1,670$139
              Lincoln NautilusMidsize$1,686$141
              Lexus NX 450hCompact$1,690$141
              Mercedes-Benz GLB 250Compact$1,698$142
              Lexus RX 450hMidsize$1,702$142
              Infiniti QX50Midsize$1,706$142
              Land Rover EvoqueCompact$1,706$142
              Lincoln CorsairCompact$1,708$142

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Seattle, WA.Data last updated on November 14, 2022
                Cheapest Insurance for Luxury SUVs in Seattle

                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 2022 Ram 1500 pickup are on the Tradesman Regular Cab 4WD model, costing an average of $1,612 per year, or around $134 per month. This model has a MSRP of $34,455.

                The most expensive 2022 Ram Truck to insure in Seattle is the Limited Crew Cab 2WD model, costing an average of $2,080 per year, or about $173 per month. The sticker price for this trim is $59,160, before documentation and destination fees.

                From a cost per month standpoint, car insurance quotes on the Ram Truck can range from $134 to $173 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 14, 2022
                Ram Truck Insurance Cost in Seattle
                Ram Truck Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,180$348
                Safe Driver Age 20$3,660$305
                At-fault Accidents Age 40$2,606$217
                Low Deductibles Age 40$2,372$198
                Safe Driver Age 30$1,934$161
                Safe Driver Age 40$1,844$154
                Safe Driver Age 50$1,678$140
                Safe Driver Age 60$1,646$137
                High Deductibles Age 40$1,574$131
                Discount Rate Age 40$1,528$127

                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 $19,510 to $24,570, average Seattle car insurance quotes for a Nissan Sentra cost from $1,512 per year for the Sentra S model up to $1,646 per year on the Sentra SR Premium model.

                For our example drivers in the chart below, cost ranges from $1,310 to $3,522 per year, which is a difference of $2,212 per year for insurance on the same vehicle.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 14, 2022
                Nissan Sentra Insurance Cost in Seattle
                Nissan Sentra Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,522$294
                Safe Driver Age 20$3,088$257
                At-fault Accidents Age 40$2,218$185
                Low Deductibles Age 40$1,986$166
                Safe Driver Age 30$1,642$137
                Safe Driver Age 40$1,574$131
                Safe Driver Age 50$1,432$119
                Safe Driver Age 60$1,404$117
                High Deductibles Age 40$1,356$113
                Discount Rate Age 40$1,310$109

                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 $1,424 up to $1,830 per year. The cheapest insurance is on the $35,405 Highlander L 2WD trim, while the highest-cost model is the $50,960 Highlander Hybrid Platinum 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 $80 to $102 less 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 $119 to $153 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 $1,350 to $3,710 per year, which is a cost difference of $2,360.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 14, 2022
                Toyota Highlander Insurance Cost in Seattle
                Toyota Highlander Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,710$309
                Safe Driver Age 20$3,246$271
                At-fault Accidents Age 40$2,288$191
                Low Deductibles Age 40$2,148$179
                Safe Driver Age 30$1,720$143
                Safe Driver Age 40$1,622$135
                Safe Driver Age 50$1,478$123
                Safe Driver Age 60$1,454$121
                High Deductibles Age 40$1,354$113
                Discount Rate Age 40$1,350$113

                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 $1,684 per year, ranging from $1,540 per year on the Accord Hybrid trim level (MSRP of $27,320) up to $1,858 per year on the Accord Touring trim (MSRP of $38,050).

                From a monthly standpoint, auto insurance quotes for the Honda Accord for a good driver can range from $128 to $155 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 14, 2022
                Honda Accord Insurance Cost in Seattle
                Honda Accord Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,848$321
                Safe Driver Age 20$3,366$281
                At-fault Accidents Age 40$2,382$199
                Low Deductibles Age 40$2,204$184
                Safe Driver Age 30$1,776$148
                Safe Driver Age 40$1,684$140
                Safe Driver Age 50$1,532$128
                Safe Driver Age 60$1,506$126
                High Deductibles Age 40$1,420$118
                Discount Rate Age 40$1,396$116

                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 $424 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,476 or more.
                • Improve your credit for cheaper car insurance. Having an excellent credit rating above 800 may save $253 per year over a lower credit rating of 670-739. Conversely, a weaker credit score could cost up to $294 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 $1,592 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 $236 per year for a 40-year-old driver and $456 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 $48 and $168 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.