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Get Cheap Car Insurance in 98104, WA
We monitor insurance prices, helping the average driver in 98104 save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in 98104
The chart below shows the cheapest car insurance company in 98104 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| 98104 Insurer | Monthly Cost |
|---|---|
| Metromile | $62 |
| State Farm | $68 |
| Progressive | $75 |
| Geico | $82 |
Savings for Every Kind of 98104 Driver
Based on our extensive insurance data, we know the average 98104 driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $521 per year by choosing the right vehicle insurance company. Some 98104 residents are paying out over $1,780 extra every year for auto insurance in 98104. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
98104, WA Savings / Yr. |
|---|---|
$521 |
|
$920 |
|
$663 |
|
$502 |
|
$1,905 |
|
$360 |
|
$617 |
98104 Car Insurance vs. Washington
People living in 98104 pay an average of 26.75% more than the typical driver in the state. The average driver in 98104 can expect to pay about $1,070 per year, or $1,780 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in 98104 for most people.
Car Insurance Prices by 98104 Neighborhood
Insurance Prices
Where is insurance cheapest within 98104?
The map shows insurance prices in and around 98104, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $461 per year within the zip boundaries, with insurance premiums ranging from a high of $1,941 to a low of $1,480. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of 98104.Pick the Best Car Insurance Company for You in 98104
The best car insurance provider for most drivers in 98104
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $521 over the average 98104 car insurance company.
The best car insurance provider for 98104 drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $920 over the competition.
The best car insurance company for 98104 drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $663 better than other car insurance companies.
The best auto insurance for 98104 drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $502 less each year.
The least expensive car insurance company for new and young drivers in 98104
In 98104, State Farm costs young drivers $1,905 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 98104
State Farm gave the largest car insurance discounts to married couples, averaging $360 saved each year compared to an average 98104 couple's premiums.
The cheapest car insurance in 98104 for drivers with bad credit
The best 98104 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 98104
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 98104 driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 98104, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around 98104
What Influences the Cost of Car Insurance in 98104?
On average, car insurance in 98104 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 98104 is 32 minutes, which is about the national average for a driver in the state.
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 98104 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- 98104 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 98104 is $89 per month for minimum coverage and $148 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
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- 98144: Insurance costs 0.11% more
- 98102: Insurance costs 6.29% less
- 98109: Insurance costs 6.91% less
- 98112: Insurance costs 7.19% less
- 98119: Insurance costs 8.54% less
Zip Codes with Similar Populations
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- 36081: Insurance costs 15.90% less
- 40175: Insurance costs 20.45% more
- 41094: Insurance costs 15.51% more
- 44062: Insurance costs 36.35% less
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- 53233: Insurance costs 31.52% less
- 53404: Insurance costs 28.03% less