Seattle Car Insurance

Your Complete Car Insurance Guide for Seattle

Seattle drivers have a lot to contend with.

Seattle is a seaport city on the West Coast of the U.S., with a population of over 700,000 residents, and it is the fastest growing major city in the U.S., with a 3.1% annual growth rate.

Along with a booming population, Seattle has a reputation for frequent rain. While it receives less total rain each year than several other cities, it has more rain days — or days in which a light drizzle falls from the sky continuously. On average, 0.01 inches of rain fall on 150 days out of each year in Seattle — more than nearly all of the U.S. cities east of the Rocky Mountains.

What’s more, it is cloudy 201 days out of the year in Seattle and partly cloudy an average of 93 days out of each year. With the increase in people and the gloomy weather, Seattle drivers have a lot to contend with. Roads can be busy, congested and slippery, while visibility can be poor any time of day. But with car insurance, Seattle drivers can feel more secure as they go about their busy lives.

A Seattle auto insurance policy is the best way to protect your assets from the costs of car accidents and other mishaps on the road. Use our independent agent matching system can assess the needs of Seattle residents and help you find the right policy for your needs and budget.

Cost of Car Insurance in  Seattle 

Did You know? The average cost of Seattle car insurance is $180 per month. 

If you think that’s too much, consider shopping around. When you get a quote, your rates should take the following factors into account.

  • The age, make and model of your car
  • Your average annual mileage
  •  Your ZIP code

With the help of a Trusted Choice agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price. Your agent can also help you find other ways to save.

Seattle Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): Not required

Driving in Seattle can be treacherous. Wet, foggy weather is the norm, and traffic can be heavy any time of day. With Seattle car insurance, you have financial protection if you are involved in an accident.

Car insurance helps you pay for damage or injuries you cause, and it can help you repair or replace your own car. If you’re involved in a crash, here are some of the ways your Seattle car insurance policy can help you recover.

Who Pays If The Accident Wasn’t My Fault?

The driver who caused the accident, of course. But approximately 17.4% of Washington drivers are uninsured. People who drive without insurance often cannot pay for the damage if they cause an accident. If you are hit by an uninsured driver, you likely have to pay for your own car repairs and medical bills.

That's why it’s a good idea for Seattle drivers to have “uninsured motorist coverage.” It helps you pay for your own medical bills and car repairs if you are in an accident with an uninsured driver.

Although this type of coverage can be important financial protection, Washington does not require you to have uninsured motorist coverage. 

What Affects The Cost of Seattle Car Insurance?

Your Seattle car insurance premium is based on how risky you are as a driver. This is determined by evaluating several of your personal characteristics, or risk factors. Some of the most important risk factors that insurance companies consider are the following:

  • Your age
  • Your marital status
  • Your gender
  • Your ZIP code
  • Your history of accidents and claims
  • The make and model of your car
  • The number of cars and drivers in your household

Certain factors always work in your favor, while others do not. Male drivers generally pay more than female drivers; unmarried drivers tend to pay more than married drivers. And young drivers typically pay more than older drivers.

Since you can’t control your age or your gender, it’s important to be a safe driver if you want to keep your car insurance rates low. If you have a clean driving record, insurance companies will charge you less than what they charge a similar person (same age, same gender) with a history of citations, accidents and claims.

City Factors That Will Affect Your Rate:

Commute Time

It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident.

Drivers with longer commute times tend to pay more for car insurance. Commute times in Seattle are similar to the national average, having minimal impact on insurance rates.

  • National average: 25.4 minutes
  • Seattle average: 25.5 minutes

Number of Auto Thefts in Seattle

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Seattle: 5.85 

The car theft rate in Seattle is higher than in the U.S., overall. If you live in Seattle, you may pay more for car insurance as a result.

Without car insurance, would you be able to pay for a stolen or vandalized vehicle? How would you pay to replace any belongings stolen from your car?

Car insurance helps you get back on your feet quickly after your car is stolen or even after a break-in. And it gives you peace of mind knowing that if you are a victim of auto theft, you have a financial backup plan. With the right coverage, you’ll be back on the road in no time.

Find Affordable Car Insurance in Seattle

If you do your homework, you can find affordable Seattle auto insurance. A Trusted Choice independent agent can help. Because independent agents aren't tied down to one carrier, they can get quotes from multiple insurance companies and offer you a variety of policy options. Our agents will work closely with you to assess your risks and answer your questions. We proudly offer affordable, quality car insurance to Seattle residents.

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