2026 Seattle Car Insurance Calculator

Estimate your monthly premium based on The Emerald City averages

Rate Calculator

$240

per month

$2,880

per year

Updated June 1, 2026

Local insurance tip

Washington doesn't require personal injury protection, so it's easy to skip. Adding PIP means your own medical costs are covered after a crash regardless of fault, which is worth weighing rather than defaulting to the minimum.

Cost Breakdown ·

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
State minimum	$113	Legal bare minimum (liability only)
Standard liability	$180	High Liability, no physical damage
Full coverage	$240	Comprehensive ($500 ded.)
Premium protection	$326	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$708
20-24	High	$396
25-54	Standard	$240
55-69	Low	$228
70+	Moderate	$300

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$240
Speeding Ticket	Moderate	$293
At-Fault Accident	High	$355
DUI / DWI	Very high	$684

Seattle Snapshot · June 2026

$240/mo

City avg (+15% WA AVG)

State Rank

17%

ZIP Spread

summer outlook

The dry summer brings wildfire and heavy smoke that can damage vehicles, and comprehensive covers fire and smoke loss.

Risk factors

Theft rate · highHigh vehicle theft risk makes comprehensive coverage strongly recommended. Traffic density · highHigh traffic density increases the likelihood of an accident, directly contributing to higher premiums. Accident density · mediumMore accidents per mile means higher likelihood of a claim. Uninsured drivers · mediumA notable share of drivers carry no insurance, increasing your exposure in an accident. Flood risk · mediumSome areas are prone to flooding. Comprehensive coverage includes flood-related damage. Litigation rate · mediumHigher litigation rates can increase premiums for all drivers in the area. Pedestrian density · mediumHigh pedestrian activity increases liability risk and accident density in dense urban corridors. Transit access · highHigher public transit usage reduces average annual mileage, which can lower your premium.

Recommended Coverage

Collision

Heavy I-5 congestion and wet roads much of the year, including along I-405, combine to make low-speed collisions the most common local claim.

I-5 · I-405

Theft coverage

Vehicle theft climbed sharply across the Seattle area in recent years, around Downtown and SODO, with certain models targeted repeatedly, making comprehensive important for street parking.

Downtown · SODO

Medical payments

Because Washington doesn't require personal injury protection, medical payments coverage is worth adding across the Seattle metro to handle your own injury costs after a crash regardless of fault.

Seattle metro

Uninsured motorist

A notable share of Washington drivers carry no coverage, so a collision on I-5 or SR-520 can leave you covering your own costs without it.

I-5 · SR-520

Rate by Nearby Cities (10)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Tacoma, WA	$250+4%	294,985
2	Federal Way, WA	$249+4%	91,661
3	Kent, WA	$242+1%	147,876
4	Seattle, WA	$240	837,651
5	Portland, OR	$234-3%	841,711
6	Renton, WA	$229-5%	141,407
7	Bellevue, WA	$219-9%	131,324
8	Kirkland, WA	$218-9%	74,745
9	Everett, WA	$216-10%	155,118
10	Redmond, WA	$215-10%	77,226

Location Breakdown

Average Monthly Insurance Rate by ZIP Cod
Rank	ZIP	Monthly
1	98118	$264+10%
2	98108	$259+8%
3	98168	$256+7%
4	98178	$255+6%
5	98106	$253+5%
6	98144	$250+4%
7	98188	$248+3%
8	98126	$246+3%
9	98198	$246+3%
10	98146	$245+2%
11	98148	$244+2%
12	98112	$242+1%
13	98134	$242+1%
14	98136	$242+1%
15	98158	$241
16	98174	$240
17	98105	$238-1%
18	98116	$238-1%
19	98122	$238-1%
20	98195	$238-1%
21	98133	$237-1%
22	98177	$237-1%
23	98102	$235-2%
24	98125	$235-2%
25	98131	$234-3%
26	98161	$233-3%
27	98164	$233-3%
28	98166	$233-3%
29	98101	$231-4%
30	98104	$231-4%
31	98109	$231-4%
32	98115	$231-4%
33	98121	$231-4%
34	98154	$231-4%
35	98155	$231-4%
36	98117	$228-5%
37	98199	$228-5%
38	98119	$227-5%
39	98103	$225-6%
40	98107	$225-6%

Compared to city avg ($240)

Rate by neighborhood
Rank	Neighborhood	Monthly
1	Brighton	$264+10%
2	Dunlap	$264+10%
3	Seward Park	$264+10%
4	South Beacon Hill	$263+10%
5	Columbia City	$262+9%
6	Holly Park	$262+9%
7	Rainier Beach	$261+9%
8	Georgetown	$259+8%
9	Mid-Beacon Hill	$259+8%
10	South Park	$258+8%
11	Rainier View	$255+6%
12	Highland Park	$254+6%
13	Riverview	$253+5%
14	South Delridge	$253+5%
15	Mount Baker	$252+5%
16	North Beacon Hill	$252+5%
17	North Delridge	$251+5%
18	Atlantic	$249+4%
19	High Point	$249+4%
20	Industrial District	$248+3%
21	Roxhill	$247+3%
22	Arbor Heights	$245+2%
23	Leschi	$245+2%
24	Fairmount Park	$244+2%
25	Fauntleroy	$243+1%
26	Gatewood	$243+1%
27	Harbor Island	$242+1%
28	Harrison/Denny-Blaine	$242+1%
29	Madison Park	$242+1%
30	Stevens	$242+1%
31	Montlake	$241
32	Seaview	$241
33	North Admiral	$240
34	Genesee	$239
35	Alki	$238-1%
36	Laurelhurst	$238-1%
37	Madrona	$238-1%
38	Mann	$238-1%
39	Minor	$238-1%
40	University District	$238-1%
41	Bitter Lake	$237-1%
42	Broadview	$237-1%
43	Broadway	$237-1%
44	Haller Lake	$237-1%
45	Windermere	$236-2%
46	Bryant	$235-2%
47	Cedar Park	$235-2%
48	Eastlake	$235-2%
49	International District	$235-2%
50	Olympic Hills	$235-2%
51	Pinehurst	$235-2%
52	Portage Bay	$235-2%
53	Victory Heights	$235-2%
54	First Hill	$234-3%
55	Matthews Beach	$234-3%
56	Meadowbrook	$234-3%
57	Yesler Terrace	$234-3%
58	Ravenna	$233-3%
59	Maple Leaf	$232-3%
60	Belltown	$231-4%
61	Central Business District	$231-4%
62	East Queen Anne	$231-4%
63	North Beach/Blue Ridge	$231-4%
64	Pike-Market	$231-4%
65	Pioneer Square	$231-4%
66	Roosevelt	$231-4%
67	Sand Point	$231-4%
68	South Lake Union	$231-4%
69	View Ridge	$231-4%
70	Wedgwood	$231-4%
71	Westlake	$231-4%
72	Crown Hill	$230-4%
73	Lower Queen Anne	$229-5%
74	North College Park	$229-5%
75	Briarcliff	$228-5%
76	Greenwood	$228-5%
77	Lawton Park	$228-5%
78	Loyal Heights	$228-5%
79	North Queen Anne	$228-5%
80	Southeast Magnolia	$228-5%
81	Wallingford	$228-5%
82	Whittier Heights	$228-5%
83	Interbay	$227-5%
84	Sunset Hill	$227-5%
85	West Queen Anne	$227-5%
86	Green Lake	$226-6%
87	Phinney Ridge	$226-6%
88	Adams	$225-6%
89	Fremont	$225-6%
90	West Woodland	$225-6%

Compared to city avg ($240)

Rate by Common Cars (50)

Rate by common car
Rank	Name	Monthly	Year
1	Chevrolet Camaro	$365+52%	2016
2	Ford Mustang	$357+49%	2016
3	Chevrolet Corvette	$356+48%	2016
4	Tesla Model S	$334+39%	2016
5	Tesla Model Y	$329+37%	2020
6	Tesla Model X	$325+35%	2016
7	Tesla Model 3	$306+27%	2017
8	Chevrolet Suburban	$294+22%	2016
9	Chevrolet Tahoe	$288+20%	2016
10	Ford Expedition	$286+19%	2016
11	Ford F-150	$286+19%	2016
12	Ram 1500	$285+19%	2016
13	Chevrolet Silverado	$283+18%	2016
14	Nissan Armada	$282+17%	2016
15	Ram 2500	$281+17%	2016
16	Hyundai Santa Fe	$281+17%	2016
17	Kia Sorento	$280+17%	2016
18	Toyota Highlander	$278+16%	2016
19	Toyota 4Runner	$276+15%	2016
20	Toyota Tundra	$275+15%	2016
21	Chevrolet Traverse	$274+14%	2016
22	Jeep Grand Cherokee	$274+14%	2016
23	Toyota Tacoma	$270+13%	2016
24	Hyundai Tucson	$270+13%	2016
25	Kia Sportage	$270+12%	2016
26	Nissan Pathfinder	$269+12%	2016
27	Honda Pilot	$268+12%	2016
28	Ford Explorer	$268+12%	2016
29	Jeep Wrangler	$264+10%	2016
30	Nissan Rogue	$262+9%	2016
31	Ford Escape	$258+8%	2016
32	Honda Accord	$255+6%	2016
33	Honda CR-V	$254+6%	2016
34	Jeep Cherokee	$254+6%	2016
35	Toyota RAV4	$252+5%	2016
36	Nissan Altima	$252+5%	2016
37	Toyota Camry	$251+4%	2016
38	Subaru Forester	$250+4%	2016
39	Subaru Outback	$245+2%	2016
40	Hyundai Elantra	$242+1%	2016
41	Kia Forte	$237-1%	2016
42	Ford Fusion	$235-2%	2016
43	Chevrolet Malibu	$233-3%	2016
44	Toyota Corolla	$232-3%	2016
45	Honda Civic	$232-3%	2016
46	Honda Odyssey	$226-6%	2016
47	Toyota Prius	$220-8%	2016
48	Chevrolet Cruze	$219-9%	2016
49	Nissan Sentra	$218-9%	2016
50	Honda Fit	$209-13%	2016

Compared to standard 10-yo sedan ($240)

What Every Seattle Driver Needs To Know

Should I add personal injury protection in Seattle if Washington doesn't require it?

It's worth considering. Unlike some neighboring states, Washington makes PIP optional, so it isn't on your policy unless you add it, though insurers must offer it and you'd have to decline it in writing. PIP covers your own medical costs and some lost wages after a crash regardless of fault, which fills a gap that liability alone leaves open. If your health insurance is strong you may lean toward a smaller amount, but skipping it entirely is a decision worth making deliberately rather than by default.

How much does Seattle traffic factor into my insurance?

A fair amount. The I-5 corridor carries some of the heaviest congestion in the country, and dense stop-and-go traffic raises the frequency of the low-speed collisions that make up most claims. Drivers who commute through the core spend more time in exactly the conditions where fender-benders happen, which insurers account for when pricing policies in the area.

Why has vehicle theft become a bigger concern around Seattle?

Theft rose sharply across the region in recent years, with certain models targeted repeatedly and claims clustering around vehicles parked on the street. Comprehensive is the coverage that responds to theft and the damage left behind, and an anti-theft device can both lower your risk and, with some insurers, help on the comprehensive portion of your premium.

Does Washington's at-fault system change what I should carry in Seattle?

It shapes it. The driver who causes a crash is responsible for the damage, so the other party's liability coverage is meant to pay your costs. When that driver is uninsured or carries only minimum limits, your own uninsured and underinsured motorist coverage fills the gap, and since PIP isn't automatic here, your own medical coverage is worth setting up deliberately.

Sources: Washington DOL · FEMA · NICB