Cheap Car Insurance in Seattle October 2025

Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

Cheap Car Insurance in Seattle October 2025

Seattle drivers may pay higher car insurance premiums than those in more rural areas, but it’s still possible to find solid coverage at an affordable rate.

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Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

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Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced researchers and writers. Facts are thoroughly researched, independently verified and routinely updated. Read more about our editorial standards and how we make money.

Narrow roads slick with rain, steep inclines, and many pedestrians and cyclists can create hazardous conditions when you’re driving in Seattle. It’s all too easy for an accident to happen, which is why it’s important to invest in the best car insurance policy that will protect you and your finances.

We’ve gathered real quotes that Jerry customers in Seattle have received to show how your age, driving record and desired coverage can affect your insurance costs.

Cheapest minimum coverage insurance in Seattle

Washington requires drivers to carry the following minimum coverages:

$25,000 for bodily injury or death of one person.
$50,000 for bodily injury or death of two people.
$10,000 for damage to other peoples’ property.

Here are some of the cheapest quotes that Jerry customers in Seattle got for minimum coverage via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$32	$378	Progressive	53	09/10/25	Seattle, WA	98103
$40	$478	Progressive	37	06/13/25	Seattle, WA	98107
$40	$478	National General	32	07/19/25	Seattle, WA	98117
$43	$514	Geico	25	05/26/25	Seattle, WA	98102
$44	$530	Progressive	36	06/14/25	Seattle, WA	98103
$46	$550	Progressive	32	05/26/25	Seattle, WA	98118
$46	$556	Safeco	55	05/18/25	Seattle, WA	98188
$47	$558	Progressive	40	06/20/25	Seattle, WA	98106
$47	$562	National General	49	06/10/25	Seattle, WA	98121
$47	$562	Progressive	26	07/25/25	Seattle, WA	98109

Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Seattle

The minimum coverage won’t help you if your car is flooded, damaged by weather or stolen. You’d need full coverage, which combines collision coverage and comprehensive insurances, for protection in those situations.

These are some of the cheapest full coverage quotes for drivers in Seattle.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$83	$996	Safeco	41	06/21/25	Seattle, WA	98108
$89	$1,065	Safeco	53	09/10/25	Seattle, WA	98103
$97	$1,162	Safeco	55	05/18/25	Seattle, WA	98188
$101	$1,216	Safeco	53	05/02/25	Seattle, WA	98178
$113	$1,350	Safeco	30	05/27/25	Seattle, WA	98122
$114	$1,364	Safeco	36	06/14/25	Seattle, WA	98103
$115	$1,385	Safeco	71	07/23/25	Seattle, WA	98117
$117	$1,400	Safeco	42	10/08/25	Seattle, WA	98136
$118	$1,413	The General	45	06/25/25	Seattle, WA	98146
$119	$1,429	The General	44	10/01/25	Seattle, WA	98198

Last Updated Oct. 15, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Seattle (18-29 years old)

A young driver may be more likely to pay higher rates than a senior would, which means it's wise to comparison shop with multiple insurance companies. Here are some of the cheapest quotes young Seattle drivers have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$43	$514	Geico	25	No	05/26/25	Seattle, WA	98102
$53	$634	Progressive	29	No	09/11/25	Seattle, WA	98109
$56	$666	National General	23	No	08/06/25	Seattle, WA	98116
$57	$687	National General	27	No	06/16/25	Seattle, WA	98107
$63	$754	National General	28	No	09/26/25	Seattle, WA	98121
$114	$1,364	Safeco	36		06/14/25	Seattle, WA	98103
$115	$1,385	Safeco	71		07/23/25	Seattle, WA	98117
$117	$1,400	Safeco	42		10/08/25	Seattle, WA	98136
$118	$1,413	The General	45		06/25/25	Seattle, WA	98146
$119	$1,429	The General	44		10/01/25	Seattle, WA	98198

Last Updated Oct. 15, 2025

Cheapest car insurance for mature drivers in Seattle (30-54 years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$32	$378	Progressive	53	No	09/10/25	Seattle, WA	98103
$40	$478	Progressive	37	No	06/13/25	Seattle, WA	98107
$40	$478	National General	32	No	07/19/25	Seattle, WA	98117
$46	$550	Progressive	32	No	05/26/25	Seattle, WA	98118
$47	$558	Progressive	40	No	06/20/25	Seattle, WA	98106
$114	$1,364	Safeco	36		06/14/25	Seattle, WA	98103
$115	$1,385	Safeco	71		07/23/25	Seattle, WA	98117
$117	$1,400	Safeco	42		10/08/25	Seattle, WA	98136
$118	$1,413	The General	45		06/25/25	Seattle, WA	98146
$119	$1,429	The General	44		10/01/25	Seattle, WA	98198

Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$71	$854	Bristol West	63	No	08/01/25	Seattle, WA	98188
$74	$890	Progressive	56	Yes	08/10/25	Seattle, WA	98188
$83	$993	The General	55	No	10/06/25	Seattle, WA	98146
$83	$997	Geico	69	No	07/29/25	Seattle, WA	98168
$85	$1,024	National General	72	No	08/23/25	Seattle, WA	98118
$114	$1,364	Safeco	36		06/14/25	Seattle, WA	98103
$115	$1,385	Safeco	71		07/23/25	Seattle, WA	98117
$117	$1,400	Safeco	42		10/08/25	Seattle, WA	98136
$118	$1,413	The General	45		06/25/25	Seattle, WA	98146
$119	$1,429	The General	44		10/01/25	Seattle, WA	98198

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Seattle

A clean driving record goes a long way in ensuring you get affordable auto insurance. Here are some of the cheapest quotes that Jerry customers with blemish-free records have received in Seattle.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

$32	$378	Progressive	53	09/10/25	No	Seattle, WA	98103
$40	$478	Progressive	37	06/13/25	No	Seattle, WA	98107
$40	$478	National General	32	07/19/25	No	Seattle, WA	98117
$43	$514	Geico	25	05/26/25	No	Seattle, WA	98102
$46	$550	Progressive	32	05/26/25	No	Seattle, WA	98118
$47	$558	Progressive	40	06/20/25	No	Seattle, WA	98106
$47	$562	National General	49	06/10/25	No	Seattle, WA	98121
$47	$566	Progressive	34	06/26/25	No	Seattle, WA	98118
$49	$583	National General	44	06/26/25	No	Seattle, WA	98105
$49	$589	National General	45	07/23/25	No	Seattle, WA	98122

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Seattle

Insurers may see a low credit score as a risk, meaning drivers with those scores will pay higher premiums. It's wise to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes that customers with scores below 550 in Seattle have received via Jerry.

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

<550	$108	$1,296	Bristol West	45	08/21/24	Seattle, WA	98106
<550	$111	$1,330	The General	41	04/18/24	Seattle, WA	98108
<550	$113	$1,356	National General	35	03/25/25	Seattle, WA	98115
<550	$116	$1,390	Progressive	37	05/03/25	Seattle, WA	98125
<550	$122	$1,468	Progressive	55	01/25/25	Seattle, WA	98106
	$47	$558	Progressive	40		Seattle, WA	98106
	$47	$562	National General	49		Seattle, WA	98121
	$47	$566	Progressive	34		Seattle, WA	98118
	$49	$583	National General	44		Seattle, WA	98105
	$49	$589	National General	45		Seattle, WA	98122

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Seattle

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At Fault With No Injury	$59	$708	Progressive	35	No	09/25/25	Seattle, WA	98109
At Fault With No Injury	$68	$815	The General	57	No	04/23/25	Seattle, WA	98146
At Fault With No Injury	$68	$820	Progressive	26	No	06/08/25	Seattle, WA	98122
At Fault With No Injury	$73	$872	Progressive	29	No	06/22/25	Seattle, WA	98119
At Fault With No Injury	$73	$872	Progressive	23	No	09/24/25	Seattle, WA	98119
	$47	$558	Progressive	40	No		Seattle, WA	98106
	$47	$562	National General	49	No		Seattle, WA	98121
	$47	$566	Progressive	34	No		Seattle, WA	98118
	$49	$583	National General	44	No		Seattle, WA	98105
	$49	$589	National General	45	No		Seattle, WA	98122

Last Updated Oct. 15, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Seattle

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Speeding under 15	$53	$637	Geico	27	05/28/25	Seattle, WA	98188
Speeding under 15	$60	$714	Safeco	55	05/22/25	Seattle, WA	98133
Speeding over 15	$68	$820	Progressive	28	10/10/25	Seattle, WA	98103
Speeding over 15	$77	$918	Safeco	34	06/12/25	Seattle, WA	98188
Speeding over 15	$88	$1,056	Bristol West	32	07/23/25	Seattle, WA	98107
	$47	$558	Progressive	40	06/20/25	Seattle, WA	98106
	$47	$562	National General	49	06/10/25	Seattle, WA	98121
	$47	$566	Progressive	34	06/26/25	Seattle, WA	98118
	$49	$583	National General	44	06/26/25	Seattle, WA	98105
	$49	$589	National General	45	07/23/25	Seattle, WA	98122

Last Updated Oct. 14, 2025

Cheapest car insurance for drivers with DUIs in Seattle

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

DUI	$735	$8,818	Bristol West	31	05/29/25	Seattle, WA	98188
Speeding under 15	$60	$714	Safeco	55	05/22/25	Seattle, WA	98133
Speeding over 15	$68	$820	Progressive	28	10/10/25	Seattle, WA	98103
Speeding over 15	$77	$918	Safeco	34	06/12/25	Seattle, WA	98188
Speeding over 15	$88	$1,056	Bristol West	32	07/23/25	Seattle, WA	98107
	$47	$558	Progressive	40	06/20/25	Seattle, WA	98106
	$47	$562	National General	49	06/10/25	Seattle, WA	98121
	$47	$566	Progressive	34	06/26/25	Seattle, WA	98118
	$49	$583	National General	44	06/26/25	Seattle, WA	98105
	$49	$589	National General	45	07/23/25	Seattle, WA	98122

Last Updated Oct. 14, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.