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Last updated: December 3, 2025Best Cheap Car Insurance in Seattle
USAA, State Farm, GEICO, PEMCO, and Progressive are top picks in Seattle.
Best for Military/Veterans
Editor's Rating:5/5
Average Cost in Seattle
- Full Coverage Monthly: $107
- Minimum Coverage Monthly: $40
Best Major Insurer
Editor's Rating:4.9/5
Average Cost in Seattle
- Full Coverage Monthly: $148
- Minimum Coverage Monthly: $57
Best for Online Purchasing
Editor's Rating:4.2/5
Average Cost in Seattle
- Full Coverage Monthly: $147
- Minimum Coverage Monthly: $67
Key Takeaways
- Auto insurance in Seattle is more expensive than the Washington average. Full coverage auto insurance in Seattle averages $1,870 annually, while minimum coverage averages $780.
- USAA, State Farm and GEICO offer some of the cheapest auto insurance in Seattle while also receiving high scores for customer satisfaction.
- Average rates can be helpful for comparing companies, but they don’t necessarily reflect how much you’ll pay. There are many factors that affect car insurance rates, including your driving history and your age.
Our Top Picks for the Best Cheap Auto Insurance in Seattle
- Best for Military/Veterans: USAA
- Best Major Insurer: State Farm
- Best for Online Purchasing: GEICO
- Best Regional Provider: PEMCO
- Best for Rideshare/Delivery Drivers: Progressive
Compare the Best Cheap Auto Insurance in Seattle
| Company | Full coverage annual average | Minimum coverage annual average | Northwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,281 | $480 | Above average* |
| State Farm | $1,778 | $688 | Above average |
| GEICO | $1,764 | $804 | Above average |
| PEMCO | $2,016 | $600 | Below average |
| Progressive | $1,767 | $884 | Below average |
| Seattle average | $1,870 | $780 | – |
*USAA’s ratings from J.D. Power are not official due to USAA’s membership restrictions.
Breaking Down the Best Cheap Providers in Seattle
1. Best for Military/Veterans - USAA
What We Like Most:
- Cheapest average rates in Seattle
- Excellent customer service
- Focus on serving the military community
Why we chose it
USAA provides insurance exclusively to veterans, active-duty military service members, and their families, and it has the cheapest average rates for both minimum liability auto insurance and full coverage auto insurance in Seattle.
USAA received high marks for customer satisfaction, including a score of 729 out of 1,000 for customer satisfaction in the Northwest region in the 2025 J.D. Power U.S. Auto Insurance Study. Although USAA’s members-only policy prevents it from being officially ranked by J.D. Power, its unofficial score is consistently the highest in the survey, year after year.
Who it’s best for
USAA is an excellent choice for anyone who’s eligible to join, including members of the military, veterans and their families. In addition to offering insurance, USAA provides banking services and financial advice tailored to the military community.
USAA Seattle Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $107 | $40 |
| Annually | $1,281 | $480 |
| Difference from Seattle average | -31% | -38% |
2. Best Major Insurer - State Farm
What We Like Most:
- Local Seattle agents
- No. 1 in the Northwest for customer satisfaction
- Extensive discounts for teens and their families
Why we chose it
State Farm has cheap rates for both full and minimum coverage car insurance in Seattle, and it consistently gets high marks for customer service. In 2025, State Farm ranked first for customer satisfaction in the Northwest region on the J.D. Power Auto Insurance Study and scored above average in J.D. Power’s Auto Claims Satisfaction Study.
State Farm offers a host of discounts, including its Drive Safe & Save telematics program. There are also extensive car insurance discounts for teens and their families. For example, State Farm offers Steer Clear, an app-based education program for young drivers; good-student discounts worth up to 25 percent off; and away-at-school discounts for college students.
Who it’s best for
State Farm is a great choice for drivers who want coverage from a major national insurer but also appreciate a network of local agents. It’s also a good option to consider if you have teen drivers in your family, or if someone on your policy has a recent speeding ticket.
GOOD TO KNOW:
Teen drivers are the most expensive drivers to insure, with average rates over three times the Washington state average. Adding a teen driver to your existing policy will likely be much cheaper than buying them a policy of their own.
State Farm Seattle Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $148 | $57 |
| Annually | $1,778 | $688 |
| Difference from Seattle average | -5% | -12% |
3. Best for Online Purchasing - GEICO
What We Like Most:
- Easy online quotes
- Discounts for military and federal workers
- Low rates for drivers with bad credit
Why we chose it
GEICO has the second-lowest average rate in Seattle for full coverage, at $1,764 per year, and its minimum coverage averages $804 annually, which is about 3 percent above the Seattle average. GEICO is a consistent choice for low rates: In our national analysis of auto insurance for 2025, GEICO’s rates were 28 percent below the national average cost of auto insurance.
GEICO serves its customers primarily through its app and online tools. That means it’s easy to get in-app quotes or use the app to pay your bill, review your policy, or even summon roadside assistance.
Who it’s best for
Drivers who are comfortable shopping for insurance and managing their policies online may like GEICO’s emphasis on digital service. However, if you prefer to work with a local agent, you may want to look elsewhere.
GEICO also has some of the lowest rates in Washington for drivers with bad credit, and it offers special discounts to military members and federal workers.
GEICO Seattle Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $147 | $67 |
| Annually | $1,764 | $804 |
| Difference from Seattle average | -6% | +3% |
4. Best Regional Provider - PEMCO
What We Like Most:
- Based in Seattle
- On the CRASH Network Honor Roll
- Unique discounts
Why we chose it
PEMCO started out in 1949, providing auto and home insurance for public educators. Now, PEMCO serves all types of customers in Washington and Oregon.
PEMCO’s customer satisfaction ratings are mixed. It ranked below average in the 2025 J.D. Power Northwest regional survey, but it made the Honor Roll on CRASH Network’s Insurer Report Card, which surveys collision repair shops on insurers’ claims practices. It also receives fewer customer complaints than average on the National Association of Insurance Commissioners (NAIC) Complaint Index.
Who it’s best for
PEMCO’s full slate of discounts includes perks you won’t find with every insurer, like discounts on comprehensive and collision coverage when you lease a car or when you spin a policy off from someone else’s PEMCO policy. Bundling discounts are available if you get home, renters, boat, pet or umbrella insurance with PEMCO. The company also offers a professional discount for educators.
PEMCO Seattle Pricing
| PEMCO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $168 | $50 |
| Annually | $2,016 | $600 |
| Difference from Seattle average | +8% | -23% |
5. Best for Rideshare/Delivery Drivers - Progressive
What We Like Most:
- Cheap full coverage in Seattle
- Rideshare endorsement available in Washington
- Money-saving features, like accident forgiveness
Why we chose it
Progressive’s average rate for full coverage in Seattle was virtually tied with GEICO’s for second place; both came out to roughly $147 per month. In addition to low rates, Progressive offers many ways to save, such as accident forgiveness, a disappearing deductible feature, and pet injury insurance that’s included with collision coverage.
Washington is one of the states where Progressive sells rideshare coverage, an important protection if you drive for Uber or Lyft.1 Progressive states that in most states, you can also add this endorsement to your policy if you drive for a delivery service like DoorDash or Uber Eats — just make sure to mention it to the agent when you purchase your policy.
Who it’s best for
Drivers who plan to purchase full coverage, especially those who work for a rideshare/delivery service; drivers looking for add-ons like accident forgiveness or gap insurance.
>>RELATED: See our side-by-side comparison of GEICO vs. Progressive.
Progressive Seattle Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $147 | $74 |
| Annually | $1,767 | $884 |
| Difference from Seattle average | -5% | +13% |
Seattle Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Northwest2 | CRASH Network Insurer Report Card3 | J.D. Power Auto Claims Satisfaction Study4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| USAA | 729* | D+ | 741* | 1.31 |
| GEICO | 631 | C- | 697 | 0.75 |
| State Farm | 648 | C- | 716 | 0.84 |
| PEMCO | 619 | B | Not rated | 0.28 |
| Progressive | 607 | C | 673 | 0.98 |
| Average | 629 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*USAA’s ratings from J.D. Power are not official due to USAA’s eligibility restrictions.
Cheapest Full Coverage Car Insurance in Seattle
USAA has the cheapest average full coverage car insurance in Seattle, at $1,281 per year, which is 31 percent cheaper than the citywide average. GEICO, Progressive and State Farm are nearly tied for the next-cheapest full coverage rates, at $1,764, $1,767 and $1,778, respectively — all well below the average rate for full coverage in Seattle.
Cheapest Minimum Coverage Car Insurance in Seattle
USAA also offers the cheapest minimum coverage car insurance in Seattle, with an average annual premium of $480 — 38 percent below the city average. Both PEMCO and State Farm had below-average rates for minimum coverage as well.
| Company | Monthly Seattle average | Annual Seattle average |
|---|---|---|
| USAA | $40 | $480 |
| PEMCO | $50 | $600 |
| State Farm | $57 | $688 |
| GEICO | $67 | $804 |
| Progressive | $74 | $884 |
| Farmers | $88 | $1,056 |
| Allstate | $115 | $1,374 |
| Seattle average | $65 | $780 |
| Washington average | $49 | $583 |
| U.S. average | $53 | $635 |
How Many Car Accidents Happen in Seattle?
There were 7,922 crashes in Seattle in 2024. Of these, 2,667 involved possible or suspected injuries and 38 involved fatalities. Traffic accidents have been declining in Seattle since they peaked in 2019 with a total of 11,107 crashes.6
DRIVE SAFELY:
The deadliest stretch of road in King County is a 10-mile segment of I-5 between South Dearborn Street and Northeast 145th Street in Seattle. This well-traveled segment — which includes downtown Seattle, the University District, and the Seattle Convention Center — recorded 20 fatal crashes over five years.7
Minimum Auto Insurance Requirements in Washington
Washington drivers must carry auto insurance with the following liability limits, at a minimum:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident8
Personal injury protection (PIP) is an optional coverage that can help cover costs if you or your passengers are injured in an accident. Although PIP is not required in Washington, insurers are required to offer it — and you must decline it in writing — when you purchase an auto insurance policy.
Minimum liability requirements in Washington are low and may not cover damages if you’re involved in a major accident. We recommend increasing your liability limits and adding comprehensive and collision coverage for better financial protection.
Frequently Asked Questions
USAA has the cheapest car insurance in Seattle, with an average annual premium of $1,281 for full coverage and $480 for minimum coverage. That’s 31 percent and 38 percent below the citywide averages.
Drivers who don’t qualify for USAA membership (it’s available only to members of the military, veterans, and their families) can find below-average auto insurance rates from GEICO, State Farm and Progressive for full coverage, and PEMCO and State Farm for minimum coverage.
Yes, $300 a month sounds expensive; it’s nearly double the average rate we found in our analysis of full coverage car insurance in Seattle ($156 per month). However, there are many factors that can drive up your cost of coverage, including having an at-fault accident or a DUI on your record, driving an expensive car, setting high liability limits and a low deductible, or adding optional coverages.
To find the best rate for you, we recommend getting at least three quotes based on your needs. That way, you can find the best available price for the actual coverage you need.
You’re required to carry proof of insurance whenever you drive in Seattle. If you drive a car without having insurance, you could be fined $550 or more. If you’re at fault in an accident and you don’t have insurance, your license could be suspended if you can’t pay for the damages and injuries that result from the crash.
Five quick ways to lower your car insurance costs are raising your deductible, eliminating optional coverages, lowering liability limits, shopping for car insurance discounts, and comparing quotes from multiple insurers. The first three tactics have pros and cons, and it’s important not to pare back your coverage so far that you’re not getting the protection you need. Take some time to optimize your coverage so you aren’t over- or under-insuring, and then look for auto insurance discounts and compare car insurance quotes to get the best rate.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Seattle, Washington, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of the damages, and quick payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P. We also include real-life customer experiences when we can.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and buying a policy to making changes or accessing documents. We consider the availability and quality of the online experience and our interactions with agents, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance and rideshare coverage.
Read more about our ratings and methodology.
Writer
Gayle has written several articles for AutoInsurance.com, including guides to cheap auto insurance in Atlanta and Sacramento. Her work has appeared on various personal finance, banking and business sites, including (most frequently) the consumer blog for Experian. She’s also written for a number of magazines, including Entrepreneur, Independent Business, Fit Pregnancy, Men’s Fitness and Shape.
Sources
Rideshare Insurance. Progressive. (2025).
https://www.progressivecommercial.com/commercial-auto-insurance/livery-insurance/rideshare-insurance/It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCrash Data Portal. WSDOT. (2025).
https://remoteapps.wsdot.wa.gov/highwaysafety/collision/data/portal/public/[Study] The Deadliest Road Stretches in Washington. Seattle Injury Law. (2025, Nov 19).
https://seattleinjurylaw.com/study-the-deadliest-road-stretches-in-washington/Mandatory insurance. Washington State Department of Licensing. (2025).
https://dol.wa.gov/driver-licenses-and-permits/mandatory-insurance
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