Seattle Car Insurance Information
The national average cost of auto insurance at the state (Washington), is less costly compared to the average car insurance at national level and in Seattle city. Seattle, WA has the most expensive of the three levels compared in the above table. This could be because of the many factors that influence the care insurance rates. Location of the city is a major cause of the high average insurance rate. The reason why location impact greatly on the insurance both in the state and in the city is because every area has different levels of risk factors. Places with high rates of crime pays higher car insurance rates.
CHEAPEST CAR INSURANCE COMPANIES IN Seattle
The minimum liability car insurance limit as require by your state is the cheapest car insurance policy offer you can purchase. It charges you for the injuries you cause to others at $25,000, $15,000 per accident and $10,000 for damage you cause to others’ car and property. Balancing between the coverage you want and the annual premiums within your budget range can enable you get a good deal on car insurance. To get a cheap car insurance in Seattle, there are a number of factors that you should consider that insurers consider when setting their car insurance rates. Car insurance companies calculate their rates depending on the risk a location carry. You can choose to stay and drive in areas where there are low incidences of accidents, thefts and vandalism as their rates are likely to be low. Having a high credit score can also enable you get the cheapest car insurance rates. After shopping around, the above auto insurance companies in Seattle are the cheapest based on the study rates per year.
| Rate | Car Insurance Company | Annual Insurance Rate |
|---|---|---|
| 1 | USAA | 895 |
| 2 | PEMCO | 1198 |
| 3 | Travelers | 1212 |
| 4 | Progressive | 1308 |
| 7 | American Family | 1326 |
| 8 | Nationwide | 1530 |
| 9 | Farmers | 1538 |
| 10 | Allstate | 1778 |
Seattle Car Insurance Rate by Zip Code
Car insurance rates in Seattle, Washington are among the highest rates compared to other cities. Despite the high rates, you can still save on your insurance policy by shopping around from different companies in Seattle and comparing their offers. You can compare rates by zip code, the company and the coverage level. The highest average car insurance rate by zip code is $1,579 per year for the full coverage while the lowest is $ 1,325. Your location which is assigned a specific zip code is a chief factor in determining the cost of a car insurance.
Insurance companies have important tools to calculate your car insurance premiums, all you need to is simply key in your zip code and the insurance rate of that specific company is given unto you.
| Zip Code | Age (Males) | Average Car Insurance Rate |
|---|---|---|
| 98144 | 30 | 1579 |
| 98118 | 30 | 1572 |
| 98126 | 30 | 1548 |
| 98106 | 30 | 1543 |
| 98136 | 30 | 1502 |
| 98131 | 30 | 1477 |
| 98132 | 30 | 1477 |
| 98134 | 30 | 1474 |
| 98116 | 30 | 1464 |
| 98174 | 30 | 1432 |
Seattle CAR INSURANCE RATES BY AGE
| Age | Insurance Rates (Male) | Insurance Rates (Female) |
|---|---|---|
| 20s | 1129 | 996 |
| 30s | 552 | 573 |
| 40s | 538 | 547 |
| 50s | 517 | 513 |
| 60s | 508 | 494 |
| 70s | 527 | 542 |
As one ages, their auto insurance price changes. Young drivers especially teenagers have more expensive car insurance rates since they are inexperienced drivers as perceived by car insurers. A 16-year old driver in Seattle pays as much as $6,310 per year which is more costly as compared to a 50-year old driver who pays $999 annually. Age is one of the factors that have greatest impact on car insurance rates.
Hitting 20 is a relief for young drivers who started driving in their teens. At teenage, the rates are highest compared to any other age group. But as you grow older the car insurance rates decline until in your 70s when it increases again but not as much as the rates for teenagers.
