For a 40-year-old driver with a clean record, Seattle car insurance averages about $292 a month ($3,502 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% above the Washington average of $254 a month. GEICO has the lowest full-coverage average of the six insurers we price, at about $186 a month.
Seattle is one of the more expensive places to insure a car in Washington. Our benchmark driver pays about $38 a month more here than the state average and about $25 a month more than in Bellevue, across Lake Washington, but about $13 a month less than in Tacoma.
Our data covers 32 ZIP codes with a Seattle mailing address, the most of any Washington city, from about $271 a month in 98102 and 98107 to $322 in 98118.
Cost data comes from the auto rates insurers file with state regulators, priced across all 32 Seattle ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Seattle averages $3,502 a year, or about $292 a month, for our benchmark driver. Liability-only coverage at Washington’s 25/50/10 minimum averages $1,283 a year ($107 a month), and 50/100/50 liability with comprehensive and collision averages $3,371 ($281 a month).
Safeco is far more expensive than the other insurers here: its full-coverage average of about $525 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Seattle average would be about $245 a month.
GEICO has the lowest full-coverage average among the six insurers in our Seattle rate data. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Among the published 2026 statewide Washington rate studies we reviewed, GEICO ranks cheapest for full coverage most often, apart from USAA, which sells only to military families; others put American Family, Oregon Mutual or Mutual of Enumclaw first. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among the insurers we price, at about $76 a month, with State Farm close behind at $83.
Full-coverage averages by insurer in Seattle
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $907 | $76 | $2,236 | $186 |
| State Farm | $997 | $83 | $2,398 | $200 |
| Progressive | $1,096 | $91 | $2,707 | $226 |
| Allstate | $1,440 | $120 | $3,432 | $286 |
| PEMCO | $1,400 | $117 | $3,941 | $328 |
| Safeco | $1,861 | $155 | $6,296 | $525 |
| USAA (military families)* | $557 | $46 | $1,285 | $107 |
| American Family* | $1,041 | $87 | $2,128 | $177 |
| Travelers* | $1,177 | $98 | $2,629 | $219 |
| Farmers* | $1,138 | $95 | $2,711 | $226 |
| Seattle average | $1,283 | $107 | $3,502 | $292 |
This table uses Seattle ZIP codes only. See how we calculated these rates.
Across the 32 Seattle ZIP codes we price, full coverage for our driver ranges from about $271 a month in 98102 and 98107 to $322 in 98118, a gap of $610 a year. ZIP codes around Capitol Hill, Ballard and Fremont are the least expensive in our data, and ZIP codes in the Rainier Valley and on Beacon Hill are the most expensive.
Lowest-priced Seattle ZIP codes
Highest-priced Seattle ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Seattle’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 98101 | $1,236 | $103 | $3,418 | $285 | -2% |
| 98102 | $1,165 | $97 | $3,256 | $271 | -7% |
| 98103 | $1,200 | $100 | $3,274 | $273 | -7% |
| 98104 | $1,223 | $102 | $3,503 | $292 | About average |
| 98105 | $1,242 | $104 | $3,377 | $281 | -4% |
| 98106 | $1,374 | $115 | $3,660 | $305 | +4% |
| 98107 | $1,182 | $99 | $3,256 | $271 | -7% |
| 98108 | $1,368 | $114 | $3,811 | $318 | +9% |
| 98109 | $1,214 | $101 | $3,470 | $289 | -1% |
| 98112 | $1,222 | $102 | $3,354 | $280 | -4% |
| 98115 | $1,262 | $105 | $3,395 | $283 | -3% |
| 98116 | $1,244 | $104 | $3,455 | $288 | -1% |
| 98117 | $1,239 | $103 | $3,281 | $273 | -7% |
| 98118 | $1,444 | $120 | $3,866 | $322 | +10% |
| 98119 | $1,214 | $101 | $3,436 | $286 | -2% |
| 98121 | $1,204 | $100 | $3,414 | $285 | -2% |
| 98122 | $1,220 | $102 | $3,442 | $287 | -2% |
| 98125 | $1,286 | $107 | $3,442 | $287 | -2% |
| 98126 | $1,344 | $112 | $3,678 | $307 | +5% |
| 98133 | $1,302 | $109 | $3,470 | $289 | -1% |
| 98136 | $1,319 | $110 | $3,522 | $294 | +1% |
| 98144 | $1,340 | $112 | $3,782 | $315 | +8% |
| 98146 | $1,349 | $112 | $3,631 | $303 | +4% |
| 98148 | $1,326 | $111 | $3,569 | $297 | +2% |
| 98155 | $1,260 | $105 | $3,412 | $284 | -3% |
| 98166 | $1,286 | $107 | $3,495 | $291 | About average |
| 98168 | $1,407 | $117 | $3,781 | $315 | +8% |
| 98177 | $1,264 | $105 | $3,362 | $280 | -4% |
| 98178 | $1,415 | $118 | $3,730 | $311 | +7% |
| 98188 | $1,373 | $114 | $3,670 | $306 | +5% |
| 98198 | $1,319 | $110 | $3,476 | $290 | -1% |
| 98199 | $1,229 | $102 | $3,362 | $280 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $131 a year on average in our Seattle data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 in our data, so for that insurer the higher limits cost less.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Seattle ZIP codes, their full-coverage average fell from $3,834 a year in rates as of Nov. 30, 2025, to $3,755 as of Aug. 31, 2026, a 2.1% drop. State Farm cut its Seattle average 8.5% and Progressive 5.9%, while Allstate and Safeco didn’t change theirs and PEMCO’s average was about unchanged. GEICO isn’t in the November 2025 rates, so it’s left out, which is why these averages differ from the Seattle average above. Liability-only coverage at 25/50/10 limits rose 6.3%, led by Progressive, which raised its liability-only average 30.6%.
The Seattle-Tacoma area is the most expensive part of Washington in our data. King County averages about $283 a month for full coverage, the second-most expensive of the 33 counties we price, behind only Pierce County ($289). Snohomish County, to the north, is third ($264).
Nearby King County suburbs vary: Renton averages about $291 a month, Kirkland $260 and Redmond $265. Washington law lets insurers base rates on where you keep your car, so prices can change from one ZIP code to the next.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Bellevue, about six miles east, averages $267 a month, and Kent, about 16 miles south, $296. Tacoma averages $305 and Spokane $238.
Drivers in Seattle follow Washington’s rules. Every policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Seattle averages about $292 a month ($3,502 a year) and liability-only coverage about $107 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 15% above the Washington average of $254 a month.
GEICO has the lowest full-coverage average in our Seattle rate data, at about $186 a month, with State Farm close behind at $200. For liability-only coverage, GEICO has the lowest average, at about $76 a month. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Washington rate studies we reviewed most often rank GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Seattle full coverage averages about $292 a month, 15% above the Washington average. King County is the second-most expensive of the 33 counties we price, and prices are highest in south Seattle, at about $322 a month in 98118.
In our data, 98102 and 98107 share the lowest full-coverage average in Seattle, at about $271 a month, and 98118 the highest, at about $322. The ZIP code table on this page lists all 32.
In our Seattle data, full coverage (100/300/100 with $500 deductibles) averages about $292 a month and liability-only coverage at 25/50/10 limits about $107, a difference of about $185 a month ($2,219 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO isn’t in the November 2025 rates), their Seattle full-coverage average fell 2.1%, from about $3,834 to $3,755 a year. That’s higher than the Seattle average of $3,502 because it leaves out GEICO. State Farm cut its Seattle average 8.5% and Progressive 5.9%. Liability-only coverage at 25/50/10 limits rose 6.3%.
