Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Downtown Seattle, Seattle, WA
We monitor insurance prices, helping the average driver in Downtown Seattle save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Downtown Seattle
The chart below shows the cheapest car insurance company in Downtown Seattle 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.
| Downtown Seattle Insurer | Monthly Cost |
|---|---|
| Metromile | $59 |
| State Farm | $65 |
| Progressive | $72 |
| Geico | $78 |
Savings for Every Kind of Downtown Seattle Driver
Based on our extensive insurance data, we know the average Downtown Seattle 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 $495 per year by choosing the right vehicle insurance company. Some Downtown Seattle residents are paying out over $1,690 extra every year for auto insurance in Downtown Seattle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Seattle, Seattle, WA Savings / Yr. |
|---|---|
$495 |
|
$874 |
|
$630 |
|
$477 |
|
$1,809 |
|
$342 |
|
$586 |
Downtown Seattle Car Insurance vs. Seattle
People living in Downtown Seattle pay an average of 20.37% more than the typical driver in the state. The average driver in Downtown Seattle can expect to pay about $1,016 per year, or $1,690 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown Seattle for most people.
Car Insurance Prices by Downtown Seattle Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Seattle?
The map shows insurance prices in and around Downtown Seattle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $327 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,807 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 Southeast parts of Downtown Seattle.Pick the Best Car Insurance Company for You in Downtown Seattle
The best car insurance provider for most drivers in Downtown Seattle
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $495 over the average Downtown Seattle car insurance company.
The best car insurance provider for Downtown Seattle 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 $874 over the competition.
The best car insurance company for Downtown Seattle drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $630 better than other car insurance companies.
The best auto insurance for Downtown Seattle drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $477 less each year.
The least expensive car insurance company for new and young drivers in Downtown Seattle
In Downtown Seattle, State Farm costs young drivers $1,809 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Seattle
State Farm gave the largest car insurance discounts to married couples, averaging $342 saved each year compared to an average Downtown Seattle couple's premiums.
The cheapest car insurance in Downtown Seattle for drivers with bad credit
The best Downtown Seattle car insurance company for customer service
Nationwide was the best company for customer service in Downtown Seattle according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Downtown Seattle, which was better than other insurers.
The cheapest large national provider in Downtown Seattle
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downtown Seattle 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 Downtown Seattle, 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 Downtown Seattle
What Influences the Cost of Car Insurance in Downtown Seattle?
On average, car insurance in Downtown Seattle 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 neighborhood are influenced by the following factors:
- 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 Downtown Seattle are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Downtown Seattle is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Seattle is $85 per month for minimum coverage and $141 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 Neighborhoods
- Madrona: Insurance costs 1.66% less
- McGilvra: Insurance costs 0.41% less
- Madison Park: Insurance costs 4.32% less
- Leschi: Insurance costs 0.59% less
- Central District: Insurance costs 6.57% more
- Meydenbauer: Insurance costs 5.15% less
- Atlantic: Insurance costs 6.45% more
- Montlake: Insurance costs 6.15% less
- Capitol Hill: Insurance costs 0.47% more
- Mt. Baker: Insurance costs 3.08% more
Neighborhoods with Similar Populations
- Charter Oak: Insurance costs 33.37% more
- Old Brooklyn: Insurance costs 28.05% less
- Watts: Insurance costs 51.54% more
- Walnut Valley: Insurance costs 32.25% more
- Carmel Valley: Insurance costs 12.84% more
- Carnegie Hill: Insurance costs 79.29% more
- Inner Richmond: Insurance costs 34.97% more
- University District: Insurance costs 0.59% less
- Central City: Insurance costs 53.25% more
- Central Escondido: Insurance costs 22.07% more