Seattle, WA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Seattle, WA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing the Cost of Car Insurance in Seattle, WA
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.
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.
Factors that can influence the cost of car insurance in Seattle, WA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Seattle, WA Auto Insurance Rates
- Seattle, WA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Seattle, WA
- Multi Vehicle Insurance Savings in Seattle, WA
- How Credit Score Affects Car Insurance Rates in Seattle, WA
- How DUI Affects Auto Insurance Premiums in Seattle, WA
- Top Auto Insurance Agents Near Seattle, WA
- How Driving Violations Affect Auto Insurance Rates in Seattle, WA
- Seattle, WA Auto Insurance Discounts on Anti Theft Feature
- Seattle, WA Auto Insurance Company Reviews
Seattle, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Seattle, WA with that of other cities in and around Seattle.
| Seattle | Burien | White Center | Beaux Arts Village | Mercer Island | Medina | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,254 | $1,257 | $1,366 | $1,664 | $1,568 | $1,853 |
Seattle, WA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Seattle, WA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Seattle | $1,051 | $887 |
| Boulevard Park | $1,483 | $1,253 |
| White Center | $1,867 | $1,577 |
| Mercer Island | $2,217 | $1,872 |
| Beaux Arts Village | $2,236 | $1,889 |
| Medina | $1,547 | $1,307 |
| Burien | $2,321 | $1,960 |
| Bryn Mawr-Skyway | $1,623 | $1,371 |
Seattle, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Seattle, WA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,069 |
| 20 Years | $1,611 |
| 30 Years | $1,241 |
| 40 Years | $1,194 |
| 50 Years | $1,106 |
| 60 Years | $1,121 |
| 70 Years | $1,305 |
Seattle, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Seattle, WA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,157 | $351 |
| 3 Vehicles | $3,235 | $527 |
| 4 Vehicles | $4,314 | $702 |
Savings on 2 Vehicles bundle:$351
Savings on 3 Vehicles bundle:$527
Savings on 4 Vehicles bundle:$702
Seattle, WA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Seattle, WA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Seattle | $1,254 | $2,013 |
| Boulevard Park | $1,225 | $1,966 |
| White Center | $1,366 | $2,193 |
| Mercer Island | $1,568 | $2,517 |
| Beaux Arts Village | $1,664 | $2,671 |
| Medina | $1,853 | $2,974 |
| Burien | $1,257 | $2,018 |
| Bryn Mawr-Skyway | $1,263 | $2,027 |
Seattle, WA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,076 |
| Excellent (740-799) | $1,228 |
| Good (670-739) | $1,307 |
| Average (580-669) | $1,705 |
| Poor (300-579) | $2,045 |
Seattle, WA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Bainbridge Agency | Allstate | 600 Winslow Way E Ste 213, Bainbridge Island, 98110 | (206) 780-9801 |
| David Lo | State Farm | 12705 Renton Ave S, Seattle, 98178-4847 | 206-772-3388 |
| Greg Nunn | State Farm | 200 Roy St Ste 102, Seattle, 98109-4110 | 206-284-9700 |
| Jeremy Olson | Allstate | 15403 1st Ave S, Burien, 98148 | (206) 433-1466 |
| Peltzer & Associates | Liberty Mutual Independent | 12835 BEL RED RD STE 220, BELLEVUE, 98005 | (425) 455-0522 |
| Armfield Harrison & Thomas Inc | Liberty Mutual Independent | 600 UNIVERSITY STREET STE 1300, SEATTLE, 98101 | (206) 269-0122 |
| Jeremy Olson | Allstate | 1512 Eastlake Ave E, Seattle, 98102 | (206) 453-6118 |
| Niehl Ins Agcy Inc | Travelers | 375 118TH AVE SE STE 103, BELLEVUE, 98005 | 425-644-1600 |
| Bob Buchanan Dba Cactus | None | 2020 Grant Ave S Unit L202, Renton, 98055 | None |
| Pacific Northwest Ins Inc | Travelers | 5612 LAKE WASHINGTON BLVD NE STE 100 C, KIRKLAND, 98033 | 425-828-7877 |
Seattle, WA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$55 | $1,309 |
| Driver's Failure In Showing Documents | +$122 | $1,376 |
| Driving With An Expired Registration | +$129 | $1,383 |
| Driving At A Considerably Slow Pace | +$272 | $1,526 |
| Using A Cellphone While Driving | +$287 | $1,541 |
| Running A Red Light | +$292 | $1,546 |
| Speeding | +$307 | $1,561 |
| Driving A Vehicle Without The Required Permission | +$390 | $1,644 |
| Driving With An Expired/Suspended License | +$845 | $2,099 |
Seattle, WA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,204 |
| Active Disabling Device | $1,204 |
| Tracking Device | $1,179 |
| Passive Disabling Device | $1,166 |
Latest Auto Insurance Reviews in Seattle, WA | Back to Top
GeicoI would high recommend Geico for anyones Auto policy. I think they offer many options to help any person and they have very helpful customer service.
GeicoGeico has all of the standard offerings, but they offer motorcycle and boat too. They have good bundling packages too.
GeicoI have never submitted a claim to Geico, but I have over the last 7 years needed to call for roadside assistance for a jump start. The assistance came almost immediately and the price was covered in my policy
GeicoI would definitely recommend GEICO and in-fact I have recommended it on multiple occasions. I feel as though they are too competitive to pass up and they have a long track record.
ProgressiveI would definitely recommend them, especially for a person that is of a younger generation and wants to handle everything from their phone via apps or text/chat.
State FarmMy car offering system is so well then the other companies because they provides everything very good and loyal.
AllstateI would definitely recommend them because I have never had any issues with them. I have always been able to resolve any claims and the customer support is great.
State FarmOur auto insurance premium is very affordable for 4 vehicles and they give you discounts for accident free. The deductible is customizable.
American Family InsuranceI have had to call customer service more than once to get insurance for a new car. The great thing is that I call, give them the info for my new car and the car is covered immediately.
Encompass InsuranceI have the General as my car insurence. They are pretty good. The premimum is pretty high. I was going to change it to the same as my home owners insurence.
Encompass InsuranceI have the General as my car insurence. They are pretty good. The premimum is pretty high. I was going to change it to the same as my home owners insurence.
GeicoGeico is always and very simply accessible and customer service is decent.
GeicoI have had to file a claim through them and I found their customer service support to be helpful and efficient. I would say that their customre service is the best asset they have as an insurance company.
Liberty MutualI do not hear from my insurance company unless it is them sending me the invoice to pay.
National GeneralI like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
ProgressiveI have full tort coverage and a good rate. Allstate has a local agent whom is a great asset to the company. He always takes the time to help with all questions
Liberty MutualTheir customer service is very respondent to the customers, they are always quick to respond to any concerns I have.
American Family InsuranceThey seem to be very accessible when I did need them. So far no complaints about that. They seem to be good with customer service.
GeicoIt is a large company and therefore it seems they are very accessible, both online and offline. I recently haven't been in any accidents and therefore my interactions with them have been limited.
ProgressiveI mean, they were able to offer me a premium that wasn't able to be beat.I was able to talk with one person throughout the whole process who kept on top of my calls and answered all information. It seems to be a good fit for the moment.
American Family InsuranceThere isn't really anything I dislike about our auto insurance company.
Geicogood pricing, quick service