Cost of Car Insurance in Seattle, WA – 2022 Rates + Comparisons

• Average car insurance cost in Seattle is $1,572 per year, or $131 per month, for a full-coverage policy.
• Small crossovers like the Honda CR-V, Mazda CX-30, and Toyota C-HR are the top picks for cheap car insurance in Seattle.
• Vehicles with the cheapest car insurance in their segment include the Ford F150 ($1,520 per year), Chevrolet Colorado ($1,292 per year), Chevrolet Tahoe ($1,656 per year), and Mercedes-Benz A220 ($1,544 per year).

How much does car insurance cost in Seattle?

Average car insurance rates in Seattle cost $1,572 per year, or approximately $131 per month. When compared to the U.S. average rate, Seattle car insurance cost is 4.4% 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 $414 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, $6 per year cheaper than in Kent, and $330 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.

The average cost of auto insurance per month in Seattle is $131, with policy premium ranging from $99 to $301 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 – $5,626 per year or $469 per month
• 17 year old – $5,254 per year or $438 per month
• 18 year old – $4,906 per year or $409 per month
• 19 year old – $4,440 per year or $370 per month
• 20 year old – $3,116 per year or $260 per month
• 30 year old – $1,652 per year or $138 per month
• 40 year old – $1,572 per year or $131 per month
• 50 year old – $1,430 per year or $119 per month
• 60 year old – $1,402 per year or $117 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.

Auto insurance for a 16-year-old female in Seattle costs an average of $672 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 $492 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 Honda CR-V, Mazda CX-30, and Hyundai Kona.

Average car insurance prices for those small SUVs cost $1,524 or less per year ($127 per month) to get full coverage.

Some additional vehicles that rank in the top 20 in the cost comparison table below are the Chevrolet Colorado, Buick Encore, Ford Maverick, and Nissan Rogue 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 $1,580 or less per year.

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

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 segements 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.

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-30 at $1,264 per year to the Hyundai Nexo costing $1,874 per year.

As another example, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado costing $1,292 per year up to the Rivian R1T costing $1,930 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 Chevrolet Spark at $1,240 per year, the Toyota Corolla at $1,308 per year, and the Subaru Impreza at $1,362 per year.

Rounding out the top 10 are cars like the Chevrolet Malibu, Kia Forte, Mazda 6, and Mazda 3, with an average car insurance cost of $1,476 per year or less.

Additional models on the list include the Hyundai Accent, Toyota Prius, Kia K5, and Honda Accord, which cost between $1,476 and $1,592 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 $103 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 Chevrolet Spark at $1,240 per year ($103 per month) and ending with the Subaru Legacy at $1,592 per year ($133 per month).

A few of the more popular cars that were excluded from the top 20 list above include the Volkswagen GTI at an average of $1,574 per year ($131 per month), the Volkswagen Jetta at $1,494 ($125 per month), the Toyota Avalon at an average of $1,612 ($134 per month), and the Hyundai Sonata costing an average of $1,792 ($149 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 Hyundai Kona, Mazda CX-30, Chevrolet Trax, Honda CR-V, and Toyota C-HR. Auto insurance prices for these vehicles average $1,278 or less per year.

Also ranking in the top 10 are models like the Ford Ecosport, Mazda CX-5, Buick Envision, and Nissan Rogue Sport, with an average car insurance cost of $1,294 per year or less.

On a monthly basis, full-coverage auto insurance on this segment in Seattle will start around $105 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-30 at $1,264 per year and ending with the Toyota Corolla Cross at $1,346 per year.

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 $1,466 per year ($122 per month), the Toyota 4Runner costing an average of $1,572 ($131 per month), and the Chevrolet Tahoe costing $1,616 ($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 $1,360 per year. Second place is the Ford Mustang costing $1,656 per year, coming in third is the BMW Z4, costing an average of $1,690 per year, and coming in fourth is the Subaru WRX, at an average of $1,784 per year.

Also ranking well are models like the Chevrolet Corvette, Subaru BRZ, BMW M3, and Audi TT, with average insurance cost of $2,034 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 $2,034 and $2,588 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 $113 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 $113 per month and ending with the Lexus LC 500 at $216 per month.

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 $1,292 per year. Second place is the Ford Maverick at $1,342 per year, and the third cheapest is the Ford Ranger, costing an average of $1,382 per year.

Not the cheapest pickups to insure, but still very reasonable, are models like the Nissan Frontier, Jeep Gladiator, GMC Canyon, and Ford F150, with average insurance cost of $1,546 per year or less.

Car insurance rates in this segment for the average driver will start around $108 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 $1,292 per year ($108 per month) and ending with the Ford F250 Super Duty at $1,870 per year ($156 per month).

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 $1,454 per year, Mercedes-Benz A220 at $1,544 per year, BMW 330i at $1,658 per year, and Acura TLX at $1,670 per year.

Some other luxury cars that are affordable to insure are the BMW 330e, BMW 228i, BMW Z4, and Cadillac CT4, with an average cost of $1,738 per year or less.

Full-coverage car insurance in Seattle for this segment starts at around $121 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 $1,454 per year ($121 per month) and ending with the Audi A4 at $1,818 per year ($152 per month).

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 $1,346 per year. Second place is the Cadillac XT4 costing $1,378 per year, ranking third is the Volvo XC40, at an average of $1,510 per year, and coming in fourth is the Cadillac XT5, costing an average of $1,530 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 $1,606 per year or less.

As a cost per month, car insurance rates in this segment for a safe driver can cost as low as $112 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 $1,346 per year, or $112 per month. For midsize 2022 models, the Cadillac XT5 is cheapest to insure at $1,530 per year, or $128 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,774 per year, or $148 per month.

The next table ranks the SUVs with the cheapest car insurance in Seattle, starting with the Acura RDX at $112 per month and ending with the Mercedes-Benz GLC300 at $139 per month.

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

Auto insurance for a Ram Truck in Seattle averages $1,752 per year, or around $146 per month, and ranges from $1,486 to $4,062 annually.

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

Nissan Sentra insurance in Seattle averages $1,368 per year, or around $114 per month, and has a range of $1,164 to $3,118 per year for the different driver risk profiles displayed in the next chart.

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

Car insurance for a Toyota Highlander in Seattle costs an average of $1,676 per year, or around $140 per month, and ranges from $1,424 to $3,944 per year.

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

Insurance for a Honda Accord in Seattle averages $1,520 per year, or about $127 per month, and varies from $1,292 to $3,544.

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 $408 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,436 or more.
• Improve your credit for cheaper car insurance. Having an excellent credit rating above 800 may save $247 per year over a lower credit rating of 670-739. Conversely, a weaker credit score could cost up to $286 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 $1,682 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 $234 per year for a 40-year-old driver and $450 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 $47 and $155 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.