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Find the Best Car Insurance in Seattle, WA

Drive a car or motorcycle in the Emerald City? Then you need insurance that covers injuries to others or damage to their property. You can also buy other coverage for further financial protection. We researched the best car insurance in Seattle so you find a policy that meets your needs and budget.

Top 9 Seattle Car Insurance Companies

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Cairns Insurance Agency Read Author Review

Provides affordable and reliable Washington auto insurance. Operates an online service center. Offers $10 Starbucks gift card for referrals. More than 30 years in business. Gives free, no-hassle, no-obligation quotes.

ISU Global Insurance Read Author Review

Shops multiple carriers and helps customers compare rates, get discounts and set up flexible payments. Gives instant quotes online. Offers auto insurance, motorcycle insurance and SR-22 insurance.

Johnson Insurance Agency Read Author Review

Researches rates and coverage options from top companies before offering personalized policies. Works with clients during claims process. Provides periodic coverage reviews. In business since 1947.

Michael Wong Insurance Read Author Review

Provides auto insurance and motorcycle insurance in Seattle. Gives free quotes. Operates online service center for claims, payments and policy changes. Employs Spanish- and Mandarin-speaking team members.

Northwest Insurance Group Read Author Review

Sells car insurance from top carriers. Assists clients throughout the claims process. Gives free quotes. Provides quick online service options for getting ID cards, changing a vehicle or adjusting contact information.

Sav-On Insurance Read Author Review

Experts in cheap car insurance in Seattle. Compares rates from over 30 companies. Helps with SR-22s. Provides discounts for bundling policies and a referral rewards program. Spanish-speaking representatives available.

Secord Insurance Agency Read Author Review

Sells car insurance and motorcycle insurance in Seattle. Works with multiple carriers. Operates an online service center for claims, payments, policy changes and proof of coverage.

Vern Fonk Insurance Seattle Read Author Review

Represents more than 20 different insurance companies. Specializes in high-risk car insurance and SR-22s. Offers motorcycle insurance. Gives free quotes and discounts for new customers, safe drivers and others.

seattle car insurance skyline

Having car insurance in Seattle is essential — and not just because it’s required by law. In 2019 there were 9,169 crashes in the city, according to the Washington State Department of Transportation. About one-third of these crashes were fatal or involved possible or suspected injuries. In addition, there was an average of more than 4,000 motor vehicle thefts per year from 2014 to 2018, according to data from the Seattle Police Department.

Auto insurance protects you financially if you’re at fault for an accident in which someone is injured or that person’s property is damaged. Other coverages — which may be required if you make car payments or lease your vehicle — pay for damage to your car after a collision, reimburse you if your car is stolen or vandalized or provide roadside assistance.

Car insurance cost in Seattle

The average cost of car insurance in Seattle is between $1,300 and $1,500 per year or $108 to $125 per month. Premiums in Seattle are generally higher than the cost of car insurance in other cities in Washington. Your cost varies depending on where you live in Seattle, as noted in the table below.

Seattle areaFull coverageLiability onlyState minimum
Lower Queen Anne - 98109$1,380$625$575
Ballard - 98117$1,355$635$590
Beacon Hill - 98108$1,585$700$640
Columbia City - 98118$1,575$695$635
Capitol Hill - 98102$1,380$610$565
West Seattle - 98116$1,465$650$600
Sammamish - 98074$1,285$600$550
Redmond - 98052$1,270$625$575
Mercer Island - 98040$1,380$625$575

Besides taking into account where you live, car insurance companies set rates based on these factors:

  • Age
  • Gender
  • Vehicle
  • Marital status
  • Driving record
  • Claims history
  • How much you drive
  • Credit history
  • The coverages you buy

Auto insurance quotes in Seattle are available for free directly from insurers or from brokers that represent a variety of carriers. To get the cheapest auto insurance in Seattle, ask about discounts and make sure they are applied to your quote. Companies offer savings for being accident- or violation-free, bundling policies and driving a car with safety features. You can also lower your premium by increasing your collision and comprehensive deductibles.

Washington car insurance requirements

If you drive a vehicle registered in Washington, you must have motor vehicle insurance, self-insurance, a certificate of deposit or a liability bond. Drivers with liability insurance must have the following limits on their policies:

  • $25,000 for bodily injury or death to one person in any one accident
  • $50,000 for bodily injury or death to all people in one accident
  • $10,000 for property damage in one accident

Driving without the required car insurance in Washington can result in a fine of $550 or more. Law enforcement can also cite you for a traffic infraction if you aren’t able to show proof of insurance during a stop. Always carry your insurance ID card in your car.

Seattle auto insurance FAQ

Why is car insurance so expensive in Seattle?
Insurance rates in Seattle are relatively expensive because of the number of cars on the road, the number of accidents and the city’s weather.
How do I find SR-22 insurance in Seattle?
Many car insurance agencies can help with SR-22 insurance in Seattle. Contact the companies on our list, ask if they assist with SR-22 filings and request a quote to find the cheapest SR-22 insurance in Washington.
What is the penalty for not having car insurance in Washington?
Driving without the required insurance can result in a fine of $550 or more. If you are at fault for an accident and you don’t have coverage, your license may be suspended if you don’t pay damages.

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    Seattle car insurance company information

    Sav-On Insurance

    Sav-On Insurance is a locally owned agency that specializes in cheap car insurance in Washington for all drivers, including those who need SR-22 filings. It works with more than 30 companies to compare rates and offer clients the lowest prices. Contact Sav-On Insurance for a free quote. You can also go to its website to set up an appointment.

    • Address: 9614 17th Ave. SW, Seattle, WA 98106; Multiple locations
    • Phone: (206) 767-7444
    • Hours: M - F: 9am - 6pm; Sat: 10am - 3pm
    • Website: sav-on.com
    Vern Fonk Insurance Seattle

    Vern Fonk Insurance has been in business for more than 65 years and focuses on providing affordable car insurance for all drivers, from those with perfect records to those requiring SR-22 filings. It represents more than 20 different insurance companies. After you fill out a simple quote form online, a representative contacts you to discuss coverage options and rates.

    • Address: 10237 16th Ave. SW, Seattle, WA 98146; Multiple locations
    • Phone: (206) 408-5084
    • Hours: M - F: 9am - 5:30pm
    • Website: vernfonk.com
    Secord Insurance Agency

    Secord Insurance Agency is an independent broker that works with multiple companies to find low rates. Clients can ensure cars or motorcycles, and the company operates an online service center to help you make claims, pay your premium, change your policy and request proof of insurance. Contact Secord Insurance Agency for a free quote.

    • Address: 265 NE 45th St., Seattle, WA 98105
    • Phone: (206) 783-4024
    • Hours: M - F: 9am - 5pm
    • Website: secordagency.com
    Northwest Insurance Group

    Northwest Insurance Group is a local, independent broker that helps individuals, families and businesses with Washington car insurance. Discounts are available for safe drivers and vehicles with safety equipment. Get a quote online 24/7 or call for more information. You can also text Northwest Insurance Group.

    • Address: 5431B California Ave. SW, Seattle, WA 98136
    • Phone: (206) 932-2500
    • Hours: Call for hours
    • Website: nwinsgroup.com
    Cairns Insurance Agency

    Cairns Insurance Agency is an independent broker that offers personalized car insurance coverage in Seattle and Washington. It represents five different insurance companies and offers free, no-obligation quotes. Customers can earn a Starbucks gift card for making a referral.

    • Address: 13500 Lake City Way NE, Ste. 202, Seattle, WA 98125
    • Phone: (206) 368-8117
    • Hours: M - F: 9am - 5pm
    • Website: cairnsinsurance.com
    Michael Wong Insurance

    Michael Wong Insurance’s objectives are to offer quality insurance coverage, provide professional service and build long-term client relationships. An online service center assists with claims, payments and policy changes. Call, email, fill out an online form or stop by for quotes.

    • Address: 1200 Westlake Ave. N., Ste. 607, Seattle, WA 98109
    • Phone: (206) 284-0171
    • Hours: M - F: 9am - 5pm
    • Website: michaelwonginsurance.com
    Johnson Insurance Agency

    Johnson Insurance Agency is an independently owned, locally operated company in business since 1947. It researches rates and coverage options from top carriers to save customers time and money on auto insurance and motorcycle insurance. To get quotes, call or fill out an online form on Johnson Insurance Agency’s website.

    • Address: 9200 Holman Road NW, Seattle, WA 98117
    • Phone: (800) 789-5940
    • Hours: Call for hours
    • Website: johnsoninsurancellc.com
    ISU Global Insurance

    ISU Global Insurance is a family-owned, independent agency that offers customized policies. Customers can purchase car insurance, motorcycle insurance and SR-22 insurance. Agents help you with rate comparisons, discounts and flexible payments. Fill out an online form or call for quotes.

    • Address: 1420 Fifth Ave., Ste. 2200, Seattle, WA 98101; Multiple locations
    • Phone: (206) 686-1700
    • Hours: Call for hours
    • Website: isuglobalins.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.