Factors Influencing the Cost of Car Insurance in Seattle, WA

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The average cost of auto insurance in Seattle, WA, is $1,254. This is much lower than the cost of auto insurance in neighboring locations such as White Center, Beaux Arts Village, Mercer Island, and Medina. Numerous factors influence the cost of insurance. These factors determine if the cost of auto insurance is high or low. Some of these factors are explored below.

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Location:

The neighborhood one lives in influences the cost of auto insurance in Seattle. This is because of the difference in the rate of auto thefts from one neighborhood to another. Zimlon offers car owners the option of keying in their zip code to get accurate auto insurance quotes from different car insurance companies. 

Age of the Driver:

This is a crucial factor in determining the cost of auto insurance in Seattle and every other city in the country. The cost of auto insurance decreases with the increase in driving experience. Teenagers are generally considered to be unsafe drivers who are more prone to accidents. The average cost of auto insurance for teens in Seattle is $4,069. Car owners in the age group of 50 and 60 pay the least on auto insurance in Seattle. The average cost of auto insurance for a 50-year-old in Seattle is $1,106 and the average cost of auto insurance for a 60-year-old in Seattle is $1,121. 

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country, and Seattle is no different. The cost of auto insurance increases if the rate of the deductible is less, and it decreases with an increase in the rate of deductibles. For example, in Seattle, if the rate of the deductible is $500, the cost of auto insurance goes up to $1,051. But, if the rate of the deductible goes up to $1,000, the cost of auto insurance decreases to $887.

Driving Record:

The driving record of the car owner determines the cost of auto insurance. If the driver has a spotless driving record, it would be easier to get a cheaper insurance quote. Major driving violations such as DUI can have a lasting impact on the cost of auto insurance. A safe driver will always find auto insurance to be cheaper. This is mainly because the amount of risk being covered by the auto insurance company is also less.