Cheap Car Insurance in Seattle July 2025

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Seattle July 2025

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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 Policy
City, State
ZIP Code
$35 $422 Progressive 28 July 14, 2025 Seattle, WA 98103
$44 $532 Progressive 27 March 23, 2025 Seattle, WA 98103
$48 $570 Progressive 25 August 22, 2024 Seattle, WA 98103
$51 $612 Progressive 27 July 6, 2025 Seattle, WA 98122
$51 $616 Progressive 36 June 18, 2025 Seattle, WA 98168
$51 $616 Progressive 30 March 26, 2025 Seattle, WA 98122
$53 $640 Progressive 23 June 21, 2025 Seattle, WA 98109
$57 $688 National General 26 July 7, 2025 Seattle, WA 98122
$58 $698 Progressive 29 June 19, 2025 Seattle, WA 98119
$60 $716 Progressive 37 February 27, 2025 Seattle, WA 98116
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
$70 $838 The General 39 August 16, 2024 Seattle, WA 98146
$108 $1,295 Safeco 31 January 4, 2025 Seattle, WA 98115
$115 $1,376 The General 48 February 1, 2024 Seattle, WA 98155
$133 $1,600 The General 28 May 4, 2024 Seattle, WA 98109
$142 $1,700 The General 47 May 22, 2024 Seattle, WA 98112
$146 $1,746 The General 58 January 29, 2024 Seattle, WA 98168
$146 $1,750 The General 64 April 15, 2024 Seattle, WA 98117
$147 $1,760 The General 44 February 19, 2025 Seattle, WA 98148
$155 $1,856 The General 34 November 8, 2024 Seattle, WA 98108
$160 $1,922 The General 47 March 28, 2024 Seattle, WA 98146
Last Updated Jul 24, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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 Policy
City, State
ZIP Code
$35 $422 Progressive 28 No July 14, 2025 Seattle, WA 98103
$48 $570 Progressive 25 Yes August 22, 2024 Seattle, WA 98103
$53 $640 Progressive 23 No June 21, 2025 Seattle, WA 98109
$57 $688 National General 26 No July 7, 2025 Seattle, WA 98122
$58 $698 Progressive 29 No June 19, 2025 Seattle, WA 98119
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
$51 $616 Progressive 30 No March 26, 2025 Seattle, WA 98122
$51 $616 Progressive 36 No June 18, 2025 Seattle, WA 98168
$60 $716 Progressive 37 No February 27, 2025 Seattle, WA 98116
$64 $762 The General 44 No May 20, 2024 Seattle, WA 98198
$65 $776 Progressive 32 No April 9, 2025 Seattle, WA 98109
Last Updated Jul 24, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$75 $904 The General 60 No August 15, 2024 Seattle, WA 98118
$79 $944 Progressive 61 No July 8, 2025 Seattle, WA 98136
$79 $946 The General 56 No February 19, 2024 Seattle, WA 98177
$89 $1,072 The General 61 No March 18, 2024 Seattle, WA 98125
$92 $1,104 The General 56 No March 11, 2024 Seattle, WA 98108
Last Updated Jul 24, 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 Policy
Has Full Coverage
City, State
ZIP Code
$35 $422 Progressive 28 July 14, 2025 No Seattle, WA 98103
$48 $570 Progressive 25 August 22, 2024 Yes Seattle, WA 98103
$51 $616 Progressive 36 June 18, 2025 No Seattle, WA 98168
$53 $640 Progressive 23 June 21, 2025 No Seattle, WA 98109
$57 $688 National General 26 July 7, 2025 No Seattle, WA 98122
$58 $698 Progressive 29 June 19, 2025 No Seattle, WA 98119
$60 $716 Progressive 37 February 27, 2025 No Seattle, WA 98116
$64 $762 The General 44 May 20, 2024 No Seattle, WA 98198
$65 $776 Progressive 32 April 9, 2025 No Seattle, WA 98109
$66 $786 Progressive 49 July 7, 2025 Yes Seattle, WA 98144
Last Updated Jul 24, 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
<550 $93 $1,118 The General 42 February 16, 2024 Seattle, WA 98188
<550 $95 $1,142 The General 65 March 27, 2024 Seattle, WA 98126
<550 $96 $1,154 The General 37 May 3, 2025 Seattle, WA 98125
<550 $100 $1,196 Progressive 37 February 17, 2025 Seattle, WA 98133
<550 $103 $1,234 The General 30 March 27, 2024 Seattle, WA 98148
Last Updated Jul 24, 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 With No Injury $68 $820 Progressive 26 No June 8, 2025 Seattle, WA 98122
At Fault With No Injury $79 $948 The General 51 No March 16, 2024 Seattle, WA 98133
At Fault With No Injury $80 $956 Progressive 53 No May 12, 2025 Seattle, WA 98133
At Fault With No Injury $91 $1,090 Progressive 31 No January 15, 2025 Seattle, WA 98107
At Fault With No Injury $93 $1,118 The General 42 No February 16, 2024 Seattle, WA 98188
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $102 $1,224 Progressive 28 April 15, 2025 Seattle, WA 98109
Speeding over 15 $109 $1,308 The General 60 June 14, 2024 Seattle, WA 98106
Speeding under 15 $111 $1,326 The General 37 March 4, 2024 Seattle, WA 98144
Speeding over 15 $118 $1,414 Progressive 27 October 10, 2024 Seattle, WA 98115
Speeding over 15 $119 $1,423 National General 47 June 11, 2025 Seattle, WA 98122
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with DUIs in Seattle

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $147 $1,760 The General 27 May 23, 2024 Seattle, WA 98155
DUI $149 $1,784 Dairyland 52 February 3, 2024 Seattle, WA 98144
DUI $503 $6,032 The General 34 May 2, 2024 Seattle, WA 98178
Last Updated Jul 24, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

meet-experts-thumbnail
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 $85 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.