What Is the Best Car Insurance in Seattle, Washington?

If you’re looking for the best car insurance in Seattle, Washington, look no further. Use this guide to compare a few of the top providers in the area, while also learning what factors to look for when choosing.

What Is the Best Car Insurance in Seattle, Washington?

All states require drivers to carry car insurance, including Washington. Seattle drivers must have the following minimums:

  • $25,000 bodily liability injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

    This refers to the maximum that your insurance company will pay following an accident. Bodily injury covers the cost of medical bills and property damages of other drivers and passengers when you cause an accident. You can buy this level of insurance with all Washington providers. The rates that you can expect to pay for this level of coverage will vary from provider to provider.

    How Much Insurance Do You Need in Seattle, Washington?

    A minimum insurance policy will usually be the cheapest. However, it could end up costing you more in the long run if you’re in an accident. Bodily injury and property liability only cover injuries and damages that you cause to other drivers and their passengers. It does not cover your own costs. You may consider other types of insurance, including:

    • Collision coverage: Collision coverage covers damages to your vehicle related to a collision. This might include a car accident or hitting a pothole.
    • Comprehensive coverage: Comprehensive coverage covers any damages that aren’t related to a car accident. This might include theft or fire.
    • Uninsured/underinsured coverage: Uninsured/underinsured coverage covers your damages if you’re in an accident with a driver who is at fault but doesn’t have enough coverage to pay for you.
    • Roadside assistance: Roadside assistance covers the cost of a roadside tow.

      If you have an auto loan, or your vehicle is worth a lot, you might consider a full coverage policy. A full-coverage policy is usually one that includes these add-ons. It costs more than a minimum insurance policy, but will usually lead to lower out-of-pocket costs if you’re in an accident. Some drivers may choose to carry full coverage when they first buy their vehicle and then drop it after paying it off.

      Best Insurance Provider in Seattle, Washington

      Washington state drivers have a lot of insurance provider choices. A few of the best include:

      GEICO

      GEICO is a well-known provider that offers the following:

      • Competitive rates with teen drivers
      • Average annual rate $1607 (full coverage)
      • J.D. Power Claims Satisfaction rating of 870/1000
      • A++ AM Best Financial strength rating

        GEICO is also often a top choice for drivers who are considered high-risk, such as those with a lot of traffic violations or a DUI on their record. Drivers with less-than-perfect credit can also find good rates.

        Nationwide

        Nationwide is another well-known provider that offers the following:

        • Competitive rates with its SmartRide program
        • Average annual rate of $1475 (full coverage)
        • J.D. Power Claims Satisfaction rating of 876/1000
        • A+ AM Best Financial strength rating

          Nationwide also offers discounts to its policyholders including the ability to bundle policies and qualify for good driver discounts. Nationwide has a high customer service rating in addition to the AM Best ratings, according to Bankrate.

          State Farm

          State Farm offers the following benefits:

          • Competitive rates for rideshare drivers and those with a clean driving record
          • Average annual rate of $1998 (full coverage)
          • J.D. Power Claims Satisfaction rating of 881/1000
          • A++ AM Best Financial strength rating

            State Farm allows you to add on the coverages that you need most with the ability to customize your insurance policy. Drivers with a clean driving record usually find the best rates with State Farm.

            Progressive

            Progressive offers the following benefits:

            • Competitive rates for minimum policies and those with good credit
            • Average annual rate of $1710 (full coverage)
            • J.D. Power Claims Satisfaction rating of 809/1000
            • A+ AM Best Financial strength rating

              According to ValuePenguin, Progressive has some of the cheapest rates in the Seattle area. They are also one of the best providers for drivers who may be considered high risk.

              Other providers to consider include USAA and Mutual of Enumclaw. USAA is not only highly rated but also often has great rates. However, they are only available to military members and families. ValuePenguin also lists Mutual of Enumclaw as an affordable option. However, Mutual of Enumclaw is known to increase rates following an accident.

              Because rates vary between providers based on factors like your age, driving record, gender, and marital status, it is always a good idea to obtain quotes from each of these. Compare coverage levels with prices.

              How to Get the Best Insurance Rates in Seattle, Washington

              If you have to buy insurance, you might as well get the best rates. You can find the best insurance rates in Seattle, Washington, with the following tips:

              • Consider your individual needs: Not everyone has the same insurance needs. Consider the value of your vehicle and how much coverage you should carry.
              • Consider your location: Living in a bigger city like Seattle has its advantages, but it can also be riskier when it comes to owning a vehicle. With more traffic, you are more likely to be in an accident. The city also has a higher-than-average rainfall, meaning add-on coverages like roadside assistance may be important too.
              • Ask about available discounts: Always inquire about available discounts with your insurance provider. Some discounts that may be available include military service, student, first responder, or multi-policy.
              • Shop around: There is a lot of benefit in shopping around and comparing quotes. Request price quotes from multiple providers in the area with good ratings.

                Buying insurance also shouldn’t be a final decision. Insurance rates often change so it is also a good idea to get into the habit of shopping around any time your rate increases or your insurance needs change.

                You can find the best car insurance in Seattle, Washington, by shopping around and comparing quotes. Find the level of coverage that works for your needs, at a price that fits your budget.

                Check this out if you need additional information, resources, or guidance on car insurance.

                Sources:

                Cheap Car Insurance Rates in Seattle, Washington | valuepenguin.com

                The best Washington car insurance companies 2021 | bankrate.com

                Car Insurance in Seattle, Washington: Everything You Need to Know | caranddriver.com

                When Should You Drop Full Coverage on Your Car? Everything You Need to Know | caranddriver.com

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