Cost of Car Insurance in Seattle, WA – 2023 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 $1,832 per year, or $153 per month, for a full-coverage policy.
  • Small crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Rogue Sport are the top picks for cheap car insurance in Seattle.
  • Vehicles with the cheapest car insurance in their segment include the Nissan Titan ($1,814 per year), Ford Maverick ($1,522 per year), Chevrolet Tahoe ($1,718 per year), and Acura Integra ($1,646 per year).

How much does car insurance cost in Seattle?

Average car insurance rates in Seattle cost $1,832 per year, or approximately $153 per month. When compared to the U.S. average rate, Seattle car insurance cost is 5.8% more expensive per year.

In the state of Washington, average auto insurance cost is $1,630 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 $170 per year more expensive than in Bellevue, $8 per year cheaper than in Kent, and $338 per year more than in Spokane.

The next chart shows average Seattle car insurance rates for 2023 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 2023 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 August 12, 2023
Average Car Insurance Cost in Seattle, WA
Average Car Insurance Cost in Seattle, WA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,090$258
$500$3,648$304
$250$4,238$353
30$1,000$1,618$135
$500$1,932$161
$250$2,258$188
40$1,000$1,544$129
$500$1,832$153
$250$2,132$178
50$1,000$1,410$118
$500$1,668$139
$250$1,938$162
60$1,000$1,386$116
$500$1,638$137
$250$1,904$159

The average cost of auto insurance per month in Seattle is $153, with policy premium ranging from $116 to $353 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 – $6,568 per year or $547 per month
  • 17 year old – $6,140 per year or $512 per month
  • 18 year old – $5,736 per year or $478 per month
  • 19 year old – $5,192 per year or $433 per month
  • 20 year old – $3,648 per year or $304 per month
  • 30 year old – $1,932 per year or $161 per month
  • 40 year old – $1,832 per year or $153 per month
  • 50 year old – $1,668 per year or $139 per month
  • 60 year old – $1,638 per year or $137 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 2023 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 August 12, 2023
Seattle Car Insurance Cost for Teenagers
Average Car Insurance Cost in Seattle, WA for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$6,568$6,140$5,736$5,192
Female$5,780$5,458$4,976$4,618

Auto insurance for a 16-year-old female in Seattle costs an average of $788 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 $574 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 Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5.

Average car insurance prices for those small SUVs cost $1,720 or less per year ($143 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, Honda HR-V, and Subaru Ascent.

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 $1,844 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
1Chevrolet Trailblazer$1,386$116
2Subaru Crosstrek$1,398$117
3Nissan Kicks$1,406$117
4Honda Passport$1,426$119
5Nissan Rogue Sport$1,430$119
6Mazda CX-5$1,440$120
7Buick Encore$1,460$122
8Buick Envision$1,464$122
9Kia Seltos$1,484$124
10Subaru Ascent$1,490$124
11Hyundai Venue$1,494$125
12Subaru Impreza$1,516$126
13Ford Maverick$1,522$127
14Honda HR-V$1,524$127
15Chevrolet Colorado$1,526$127
16Acura RDX$1,530$128
17Hyundai Kona$1,536$128
18Subaru Forester$1,546$129
19Ford Edge$1,552$129
20Honda CR-V$1,552$129

    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 August 12, 2023
    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 2023 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 August 12, 2023
    Seattle Car Insurance Rates by Vehicle Segment
    Seattle Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,668$139
    Midsize Pickup$1,732$144
    Midsize SUV$1,790$149
    Minivan$1,800$150
    Compact Car$1,826$152
    Midsize Car$1,870$156
    Compact Luxury SUV$1,982$165
    Half-ton Pickup$1,990$166
    Large SUV$2,004$167
    Compact Luxury Car$2,018$168
    Heavy Duty Pickup$2,106$176
    Midsize Luxury SUV$2,128$177
    Large Car$2,132$178
    Midsize Luxury Car$2,330$194
    Sports Car$2,506$209
    Large Luxury SUV$2,692$224
    Large Luxury Car$2,830$236

    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 Chevrolet Trailblazer at $1,386 per year to the Ford Mustang Mach-E costing $2,072 per year.

    As another example, in the midsize truck segment, the average insurance cost ranges from the Ford Maverick costing $1,522 per year up to the Rivian R1T costing $2,280 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 $1,516 per year, the Volkswagen Jetta at $1,676 per year, and the Subaru Legacy at $1,688 per year.

    Rounding out the top 10 are cars like the Kia K5, Mazda 3, Toyota Camry, and Toyota Prius, with an average car insurance cost of $1,768 per year or less.

    Additional models on the list include the Chevrolet Malibu, Honda Civic, Honda Accord, and Nissan Leaf, which cost between $1,768 and $1,924 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 $126 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 $1,516 per year ($126 per month) and ending with the Volkswagen Arteon at $1,924 per year ($160 per month).

    Cheapest Insurance for Cars in Seattle
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,516$126
    Volkswagen JettaCompact$1,676$140
    Subaru LegacyMidsize$1,688$141
    Nissan SentraCompact$1,702$142
    Toyota CorollaCompact$1,720$143
    Toyota PriusCompact$1,726$144
    Volkswagen GolfCompact$1,726$144
    Toyota CamryMidsize$1,740$145
    Mazda 3Compact$1,760$147
    Kia K5Midsize$1,768$147
    Chevrolet MalibuMidsize$1,784$149
    Chrysler 300Full-size$1,788$149
    Honda CivicCompact$1,794$150
    Kia ForteCompact$1,800$150
    Mitsubishi Mirage G4Compact$1,806$151
    Nissan LeafCompact$1,848$154
    Honda AccordMidsize$1,852$154
    Toyota CrownMidsize$1,860$155
    Tesla Model 3Midsize$1,874$156
    Volkswagen ArteonMidsize$1,924$160

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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 August 12, 2023
      Cheapest Insurance for Cars in Seattle

      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 Nissan Rogue Sport, Chevrolet Trailblazer, Nissan Kicks, Subaru Crosstrek, and Honda Passport. Auto insurance prices for these vehicles average $1,430 or less per year.

      Also ranking in the top 10 are models like the Buick Encore, Subaru Ascent, Mazda CX-5, and Kia Seltos, with an average car insurance cost of $1,490 per year or less.

      On a monthly basis, full-coverage auto insurance on this segment in Seattle will start around $116 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 Chevrolet Trailblazer at $1,386 per year and ending with the Chevrolet Trax at $1,576 per year.

      Cheapest Insurance for SUVs in Seattle
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$1,386$116
      Subaru CrosstrekCompact$1,398$117
      Nissan KicksCompact$1,406$117
      Honda PassportMidsize$1,426$119
      Nissan Rogue SportCompact$1,430$119
      Mazda CX-5Compact$1,440$120
      Buick EncoreCompact$1,460$122
      Buick EnvisionCompact$1,464$122
      Kia SeltosCompact$1,484$124
      Subaru AscentMidsize$1,490$124
      Hyundai VenueCompact$1,494$125
      Honda HR-VCompact$1,524$127
      Hyundai KonaCompact$1,536$128
      Subaru ForesterCompact$1,546$129
      Ford EdgeMidsize$1,552$129
      Honda CR-VCompact$1,552$129
      Mazda CX-30Compact$1,558$130
      Ford ExplorerMidsize$1,560$130
      Volkswagen AtlasMidsize$1,564$130
      Nissan MuranoMidsize$1,574$131

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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 August 11, 2023
        Cheapest Insurance for SUVs in Seattle

        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 $1,694 per year. Second place is the Audi TT costing $1,898 per year, coming in third is the Ford Mustang, costing an average of $1,988 per year, and coming in fourth is the BMW Z4, at an average of $2,002 per year.

        Also ranking well are models like the BMW M2, Toyota GR86, Subaru BRZ, and Toyota GR Supra, with average insurance cost of $2,210 per year or less.

        Ranking between positions 10 and 20, models like the Mercedes-Benz AMG GT53, BMW M4, BMW M3, Chevrolet Camaro, and Jaguar F-Type cost between $2,210 and $2,756 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 $141 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 $141 per month and ending with the Lexus LC 500 at $230 per month.

        Cheapest Insurance for Sports Cars in Seattle
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$1,694$141
        Audi TTSports Car$1,898$158
        Ford MustangSports Car$1,988$166
        BMW Z4Sports Car$2,002$167
        Subaru WRXSports Car$2,024$169
        Nissan ZSports Car$2,054$171
        Toyota GR SupraSports Car$2,088$174
        Toyota GR86Sports Car$2,116$176
        BMW M2Sports Car$2,128$177
        Subaru BRZSports Car$2,210$184
        Chevrolet CorvetteSports Car$2,260$188
        BMW M3Sports Car$2,310$193
        Lexus RC FSports Car$2,360$197
        Porsche 718Sports Car$2,360$197
        Chevrolet CamaroSports Car$2,400$200
        Mercedes-Benz AMG GT53Sports Car$2,542$212
        Jaguar F-TypeSports Car$2,634$220
        Porsche TaycanSports Car$2,688$224
        BMW M4Sports Car$2,722$227
        Lexus LC 500Sports Car$2,756$230

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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 August 11, 2023
          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 Ford Maverick, at an average of $1,522 per year. Second place is the Chevrolet Colorado at $1,526 per year, and the third cheapest is the Nissan Frontier, costing an average of $1,582 per year.

          Not the cheapest pickups to insure, but still very reasonable, are models like the Toyota Tacoma, Ford F150, Hyundai Santa Cruz, and Nissan Titan, with average insurance cost of $1,866 per year or less.

          Car insurance rates in this segment for the average driver will start around $127 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 Ford Maverick at $1,522 per year ($127 per month) and ending with the Nissan Titan XD at $2,046 per year ($171 per month).

          Cheapest Insurance for Pickups in Seattle
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Ford MaverickMidsize$1,522$127
          Chevrolet ColoradoMidsize$1,526$127
          Nissan FrontierMidsize$1,582$132
          Ford RangerMidsize$1,626$136
          GMC CanyonMidsize$1,664$139
          Toyota TacomaMidsize$1,674$140
          Hyundai Santa CruzMidsize$1,704$142
          Nissan TitanFull-size$1,814$151
          Honda RidgelineMidsize$1,820$152
          Ford F150Full-size$1,866$156
          GMC Sierra 2500 HDHeavy Duty$1,876$156
          Jeep GladiatorMidsize$1,908$159
          Toyota TundraFull-size$1,926$161
          GMC Sierra 3500Heavy Duty$1,934$161
          GMC SierraFull-size$2,002$167
          Chevrolet SilveradoFull-size$2,006$167
          Ram TruckFull-size$2,006$167
          Chevrolet Silverado HD 2500Heavy Duty$2,012$168
          Chevrolet Silverado HD 3500Heavy Duty$2,016$168
          Nissan Titan XDHeavy Duty$2,046$171

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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 August 11, 2023
            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 Integra at $1,646 per year, BMW 330i at $1,860 per year, Acura TLX at $1,890 per year, and Cadillac CT4 at $1,914 per year.

            Some other luxury cars that are affordable to insure are the Lexus ES 350, BMW 330e, Cadillac CT5, and BMW 228i, with an average cost of $1,992 per year or less.

            Full-coverage car insurance in Seattle for this segment starts at around $137 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 $1,646 per year ($137 per month) and ending with the Volvo S60 at $2,048 per year ($171 per month).

            Cheapest Insurance for Luxury Cars in Seattle
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$1,646$137
            BMW 330iCompact$1,860$155
            Acura TLXCompact$1,890$158
            Cadillac CT4Compact$1,914$160
            Genesis G70Compact$1,952$163
            Cadillac CT5Midsize$1,970$164
            Lexus ES 350Midsize$1,976$165
            BMW 330eCompact$1,984$165
            Lexus ES 250Midsize$1,988$166
            BMW 228iCompact$1,992$166
            Lexus RC 300Midsize$1,994$166
            Mercedes-Benz AMG CLA35Midsize$1,996$166
            Audi A3Midsize$2,004$167
            BMW 230iCompact$2,006$167
            Mercedes-Benz C300Compact$2,020$168
            Audi A4Compact$2,030$169
            Lexus RC 350Compact$2,036$170
            Mercedes-Benz AMG CLA45Midsize$2,042$170
            Audi S3Compact$2,044$170
            Volvo S60Compact$2,048$171

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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 August 12, 2023
              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 $1,530 per year. Second place is the Lexus RX 350 costing $1,642 per year, ranking third is the Cadillac XT4, at an average of $1,652 per year, and coming in fourth is the Volvo XC40, costing an average of $1,686 per year.

              Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Mercedes-Benz GLA250, Lexus UX 250h, Cadillac XT6, and Cadillac XT5, with average insurance cost of $1,784 per year or less.

              As a cost per month, car insurance rates in this segment for a safe driver can cost as low as $128 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 $1,530 per year, or $128 per month. For midsize 2023 models, the Lexus RX 350 is cheapest to insure at $1,642 per year, or $137 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,892 per year, or $158 per month.

              The next table ranks the SUVs with the cheapest car insurance in Seattle, starting with the Acura RDX at $128 per month and ending with the Mercedes-Benz GLC300 at $156 per month.

              Cheapest Insurance for Luxury SUVs in Seattle
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,530$128
              Lexus RX 350Midsize$1,642$137
              Cadillac XT4Compact$1,652$138
              Volvo XC40Compact$1,686$141
              Infiniti QX50Midsize$1,698$142
              Lexus UX 250hCompact$1,714$143
              Cadillac XT5Midsize$1,742$145
              Mercedes-Benz GLA250Compact$1,778$148
              Cadillac XT6Midsize$1,784$149
              Mercedes-Benz GLB 250Compact$1,784$149
              Lexus NX 250Compact$1,806$151
              Acura MDXMidsize$1,824$152
              Lexus NX 350hCompact$1,826$152
              Lexus NX 350Compact$1,838$153
              Lincoln CorsairCompact$1,842$154
              Lexus NX 450hCompact$1,850$154
              Lincoln NautilusMidsize$1,856$155
              BMW X1Compact$1,858$155
              Alfa Romeo TonaleCompact$1,864$155
              Mercedes-Benz GLC300Compact$1,868$156

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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 August 12, 2023
                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 2023 Ram 1500 pickup are on the Tradesman Quad Cab 4WD model, costing an average of $1,778 per year, or around $148 per month. This model has a MSRP of $41,210.

                The most expensive 2022 Ram Truck to insure in Seattle is the Limited Crew Cab 2WD model, costing an average of $2,192 per year, or about $183 per month. The sticker price for this trim is $64,000, before documentation and destination fees.

                From a cost per month standpoint, car insurance quotes on the Ram Truck can range from $148 to $183 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 2023 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 August 12, 2023
                Ram Truck Insurance Cost in Seattle
                2023 Ram Truck Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,542$379
                Safe Driver Age 20$3,978$332
                At-fault Accidents Age 40$2,830$236
                Low Deductibles Age 40$2,592$216
                Safe Driver Age 30$2,106$176
                Safe Driver Age 40$2,006$167
                Safe Driver Age 50$1,824$152
                Safe Driver Age 60$1,788$149
                High Deductibles Age 40$1,702$142
                Discount Rate Age 40$1,662$139

                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 $19,950 to $23,395, average Seattle car insurance quotes for a Nissan Sentra cost from $1,650 per year for the Sentra S model up to $1,746 per year on the Sentra SR Midnight Edition model.

                For our example drivers in the chart below, cost ranges from $1,412 to $3,800 per year, which is a difference of $2,388 per year for insurance on the same vehicle.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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 August 11, 2023
                Nissan Sentra Insurance Cost in Seattle
                2023 Nissan Sentra Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,800$317
                Safe Driver Age 20$3,330$278
                At-fault Accidents Age 40$2,398$200
                Low Deductibles Age 40$2,146$179
                Safe Driver Age 30$1,774$148
                Safe Driver Age 40$1,702$142
                Safe Driver Age 50$1,550$129
                Safe Driver Age 60$1,516$126
                High Deductibles Age 40$1,470$123
                Discount Rate Age 40$1,412$118

                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 $1,602 up to $2,058 per year. The cheapest insurance is on the $36,420 Highlander L 2WD trim, while the highest-cost model is the $52,425 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 $20 to $24 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 $134 to $172 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 $1,518 to $4,182 per year, which is a cost difference of $2,664.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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 August 11, 2023
                Toyota Highlander Insurance Cost in Seattle
                2023 Toyota Highlander Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,182$349
                Safe Driver Age 20$3,660$305
                At-fault Accidents Age 40$2,576$215
                Low Deductibles Age 40$2,428$202
                Safe Driver Age 30$1,938$162
                Safe Driver Age 40$1,828$152
                Safe Driver Age 50$1,666$139
                Safe Driver Age 60$1,638$137
                High Deductibles Age 40$1,522$127
                Discount Rate Age 40$1,518$127

                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 $1,852 per year, ranging from $1,716 per year on the Accord Hybrid trim level (MSRP of $27,720) up to $2,012 per year on the Accord Touring trim (MSRP of $38,450).

                From a monthly standpoint, auto insurance quotes for the Honda Accord for a good driver can range from $143 to $168 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 2023 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 August 12, 2023
                Honda Accord Insurance Cost in Seattle
                2023 Honda Accord Insurance Cost in Seattle, WA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,232$353
                Safe Driver Age 20$3,702$309
                At-fault Accidents Age 40$2,620$218
                Low Deductibles Age 40$2,430$203
                Safe Driver Age 30$1,954$163
                Safe Driver Age 40$1,852$154
                Safe Driver Age 50$1,688$141
                Safe Driver Age 60$1,656$138
                High Deductibles Age 40$1,558$130
                Discount Rate Age 40$1,538$128

                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 $482 per year. Serious violations like DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,688 or more.
                • Improve your credit for cheaper car insurance. Having an excellent credit rating above 800 may save $288 per year over a lower credit rating of 670-739. Conversely, a weaker credit score could cost up to $333 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 $1,764 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 $284 per year for a 40-year-old driver and $552 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 $55 and $185 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.