How Much Does Car Insurance Cost in Seattle, WA?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$2.064 – $5.160
+72% vs national average
$2.064$3.612$5.160
LowNational avg: $2.100High
Seattle vs State & National Average
| Category | Seattle | Washington Avg | National Avg |
|---|---|---|---|
| Average cost | $3.612 | $3.536 | $2.100 |
| Low estimate | $2.064 | $2.652 | $1.575 |
| High estimate | $5.160 | $4.597 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $688 | $1.548 | per year |
| Full coverage | $2.064 | $5.160 | per year |
| Good driver discount | $-344 | $-860 | savings |
| Young driver surcharge | $860 | $3.440 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Seattle?
In Seattle, WA, car insurance typically costs between $2.064 and $5.160. The average is $3.612, which is 72% above the national average.
Is Seattle expensive for car insurance?
Seattle has a cost-of-living index of 172 (100 = national average). Car Insurance costs are 72% higher than the national average of $2.100.
What factors affect car insurance costs in Seattle?
Key factors include local labor costs, cost of materials, market competition, Washington state regulations, and Seattle's overall cost of living (index: 172/100). Prices can also vary by season and specific requirements.