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Get Cheap Car Insurance in Rainier Beach, Seattle, WA

We monitor insurance prices, helping the average driver in Rainier Beach save up to 34.8% on car insurance.

 

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The Cheapest Minimum Coverage in Rainier Beach

The chart below shows the cheapest car insurance company in Rainier Beach 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.

 
Rainier Beach Insurer Monthly Cost
Metromile $63
State Farm $70
Progressive $77
Geico $83

Savings for Every Kind of Rainier Beach Driver

The table shows how much the average auto insurance customer in Rainier Beach might save by following our recommendations.

Based on our extensive insurance data, we know the average Rainier Beach 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 $530 per year by choosing the right vehicle insurance company. Some Rainier Beach residents are paying out over $1,811 extra every year for auto insurance in Rainier Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rainier Beach, Seattle, WA Savings / Yr.
Drivers with good records
$530
Drivers with accidents
$936
Drivers with speeding tickets
$674
Drivers with a DUI conviction
$511
Young drivers
$1,938
Married drivers
$366
Drivers with bad credit
$628

Rainier Beach Car Insurance vs. Seattle

People living in Rainier Beach pay an average of 28.97% more than the typical driver in the state. The average driver in Rainier Beach can expect to pay about $1,088 per year, or $1,811 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Rainier Beach for most people.

Car Insurance Prices by Rainier Beach Neighborhood

Rainier Beach, Seattle, WA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Rainier Beach?

The map shows insurance prices in and around Rainier Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $198 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,919 to a low of $1,721. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Rainier Beach.

Pick the Best Car Insurance Company for You in Rainier Beach

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Rainier Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Rainier Beach

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $530 over the average Rainier Beach car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Rainier Beach. State Farm, Metromile, and PEMCO Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Rainier Beach drivers with accidents on their records

In Rainier Beach getting into an accident will raise premiums an average 33% for a yearly cost of $2,690. That's $880 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and PEMCO Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $936 over the competition.

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The best car insurance company for Rainier Beach drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $674 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Rainier Beach, tickets raise premiums on new quotes about $569. If you have a speeding ticket, we recommend State Farm, Geico, and Metromile for savings that beat the average insurance cost of $2,379 per year.

The best auto insurance for Rainier Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,719 per year in auto insurance premiums, which was $908 more than a driver with no major issues. State Farm, Progressive, and PEMCO Insurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $511 less each year.

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The least expensive car insurance company for new and young drivers in Rainier Beach

In Rainier Beach, State Farm costs young drivers $1,938 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Rainier Beach. With an average cost of $6,679 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and PEMCO Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Rainier Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $139. State Farm, Geico, and Progressive provided the largest discounts to couples living in Rainier Beach.

State Farm gave the largest car insurance discounts to married couples, averaging $366 saved each year compared to an average Rainier Beach couple's premiums.

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The cheapest car insurance in Rainier Beach for drivers with bad credit

People with poor credit saved an average of $628 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,055 every year. Premiums for people with poor credit were about $2,866 in Rainier Beach. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and American Family Insurance.

The best Rainier Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Rainier Beach, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Rainier Beach.

Nationwide was the best company for customer service in Rainier Beach according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Rainier Beach, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Rainier Beach. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Rainier Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Rainier Beach residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Rainier Beach driver can expect to pay about $98 per month.

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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 Rainier Beach, 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.
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Auto Insurance Prices in and Around Rainier Beach

What Influences the Cost of Car Insurance in Rainier Beach?

On average, car insurance in Rainier Beach 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 Rainier Beach is 41 minutes, which is far more than 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 Rainier Beach are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Rainier Beach is one of the most densely populated areas 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 Rainier Beach is $91 per month for minimum coverage and $151 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

Neighborhoods with Similar Populations

* Who is the average Rainier Beach driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Rainier Beach with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.