For a 40-year-old driver with a clean record, car insurance in Seattle, WA, 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 puts it 15% over Washington’s average of $254 a month. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Seattle table, 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. Use these averages to see where your neighborhood falls before you compare car insurance quotes in Seattle, WA. Moving elsewhere in the state? Start with Washington car insurance quotes for your new address.
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 Oct. 7, 2026.
Full coverage in Seattle, WA, averages about $292 a month ($3,502 a year), and liability-only coverage at Washington’s 25/50/10 minimum averages $107 a month, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. The Washington average is $254 a month, which makes this 15% higher.
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.
The best car insurance for Seattle drivers depends on the car, the driving record and the coverage, so no single company is cheapest for everyone. For our benchmark driver, GEICO has the lowest full-coverage average of the six major insurers we compared (Allstate, GEICO, PEMCO, Progressive, Safeco and State Farm), about $186 a month, followed by State Farm at $200. Use the table below to pick the Seattle auto insurance quotes to get first.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Seattle table. USAA averages even less, at $137 a month, but it sells only to military members, veterans and their families. The four recent statewide Washington rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: two put GEICO first, one Oregon Mutual and one Mutual of Enumclaw, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among the six major insurers we compared that are among insurers anyone can buy from, at about $76 a month, with State Farm close behind at $83. USAA comes in even lower, at about $54 a month, but it sells only to military families.
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)* | $646 | $54 | $1,638 | $137 |
| American Family* | $1,464 | $122 | $2,581 | $215 |
| Travelers* | $1,228 | $102 | $2,747 | $229 |
| Farmers* | $1,178 | $98 | $2,845 | $237 |
| Seattle average | $1,283 | $107 | $3,502 | $292 |
This table uses Seattle ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
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 | $1,183 | $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 | $3,783 | $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 | $3,363 | $280 | -4% |
| 98178 | $1,415 | $118 | $3,731 | $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 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. 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 nine months earlier to $3,755 in rates as of Aug. 31, 2026, a 2.1% drop. State Farm cut its Seattle average 8.5% and Progressive 5.9%, while Allstate’s, PEMCO’s and Safeco’s averages were about unchanged. GEICO is new in our rates over the past nine months, 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). Our guide to Washington car insurance rates has every county we price.
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.
Shopping for stated-value car insurance in Seattle for a classic or collector car? Our averages are for a 2024 Toyota Camry LE, so quote that kind of policy on its own. Since Jan. 15, 2026, cars with Washington collector vehicle plates must carry insurance, under a 2025 state law.
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. Lakewood, in Pierce County, has no guide of its own, but our statewide table lists car insurance rates in Lakewood and every other Washington city we price.
Every car insurance policy in Seattle must meet Washington’s minimums. Each 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.
The average cost of car insurance in Seattle, WA, is about $292 a month ($3,502 a year) for full coverage and $107 a month for liability-only coverage at Washington’s 25/50/10 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 15% above the Washington average of $254 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Seattle table, at about $186 a month, with State Farm close behind at $200. USAA, which sells only to military members, veterans and their families, has a lower average still ($137 a month). For liability-only coverage, GEICO has the lowest average among insurers anyone can buy from, at about $76 a month. 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. Washington law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Seattle must carry Washington’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10). Insurers must also include underinsured motorist coverage, which covers uninsured and hit-and-run drivers too, and personal injury protection unless you reject them in writing.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), 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%.
For our benchmark driver, full coverage in Seattle averages about $292 a month. Nearby, Bellevue averages about $267, Kent about $296 and Tacoma about $305. Bellevue is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
