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Get Cheap Car Insurance in Phinney Ridge, Seattle, WA
We monitor insurance prices, helping the average driver in Phinney Ridge save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Phinney Ridge
The chart below shows the cheapest car insurance company in Phinney Ridge 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.
| Phinney Ridge Insurer | Monthly Cost |
|---|---|
| Metromile | $57 |
| State Farm | $63 |
| Progressive | $69 |
| Geico | $75 |
Savings for Every Kind of Phinney Ridge Driver
Based on our extensive insurance data, we know the average Phinney Ridge 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 $478 per year by choosing the right vehicle insurance company. Some Phinney Ridge residents are paying out over $1,633 extra every year for auto insurance in Phinney Ridge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phinney Ridge, Seattle, WA Savings / Yr. |
|---|---|
$478 |
|
$845 |
|
$608 |
|
$461 |
|
$1,748 |
|
$330 |
|
$567 |
Phinney Ridge Car Insurance vs. Seattle
People living in Phinney Ridge pay an average of 16.33% more than the typical driver in the state. The average driver in Phinney Ridge can expect to pay about $982 per year, or $1,633 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Phinney Ridge for most people.
Car Insurance Prices by Phinney Ridge Neighborhood
Insurance Prices
Where is insurance cheapest within Phinney Ridge?
The map shows insurance prices in and around Phinney Ridge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $160 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,696 to a low of $1,536. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Phinney Ridge.Pick the Best Car Insurance Company for You in Phinney Ridge
The best car insurance provider for most drivers in Phinney Ridge
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $478 over the average Phinney Ridge car insurance company.
The best car insurance provider for Phinney Ridge 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 $845 over the competition.
The best car insurance company for Phinney Ridge drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $608 better than other car insurance companies.
The best auto insurance for Phinney Ridge drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $461 less each year.
The least expensive car insurance company for new and young drivers in Phinney Ridge
In Phinney Ridge, State Farm costs young drivers $1,748 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phinney Ridge
State Farm gave the largest car insurance discounts to married couples, averaging $330 saved each year compared to an average Phinney Ridge couple's premiums.
The cheapest car insurance in Phinney Ridge for drivers with bad credit
The best Phinney Ridge car insurance company for customer service
Nationwide was the best company for customer service in Phinney Ridge according to the NAIC.
Recent price drops
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The cheapest large national provider in Phinney Ridge
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Phinney Ridge 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 Phinney Ridge, 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 Phinney Ridge
What Influences the Cost of Car Insurance in Phinney Ridge?
On average, car insurance in Phinney Ridge 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:
- The average commute time in Phinney Ridge is 33 minutes, which is about the national average for a driver in the city.
- 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 Phinney Ridge are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Phinney Ridge 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 Phinney Ridge is $82 per month for minimum coverage and $136 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
- Whittier Heights: Insurance costs 3.12% less
- Ballard: Insurance costs 0.86% more
- Greenwood: Insurance costs 0.49% more
- Green Lake: Insurance costs 2.57% more
- Fremont: Insurance costs 0.49% more
- Loyal Heights: Insurance costs 2.08% less
- Wallingford: Insurance costs 2.20% less
- Crown Hill: Insurance costs 0.06% more
- Sunset Hill: Insurance costs 0.80% less
- North College Park: Insurance costs 1.29% more
Neighborhoods with Similar Populations
- Downtown Elizabeth: Insurance costs 50.64% more
- Rose Park: Insurance costs 2.57% less
- Merle Hay: Insurance costs 21.49% less
- Mendenhall Valley: Insurance costs 15.62% less
- College Glen: Insurance costs 28.23% more
- Brick Church Bellshire: Insurance costs 1.84% less
- Downtown Brownsville: Insurance costs 18.49% more
- Annandale-on-Hudson: Insurance costs 64.67% more
- Washington Square: Insurance costs 8.76% more
- Village 2: Insurance costs 37.42% more