Seattle Car Insurance (WA)

Seattle, Washington has a population of over 573,000 people who drive an average of 25 minutes to work each day and pay an average car insurance premium of $788. Even with a somewhat lengthy commute time and having car insurance premiums below the national average, there are ways for Seattle residents to decrease the amount of insurance they pay.

Get a free Seattle car insurance quote today and start saving >>

Saving Money on Seattle Car Insurance

Due to an excessive amount of car thefts in Seattle, if you install anti-theft devices in your car, you will see a considerable rate reduction. Over 9,250 cars were stolen in 2005 from the Seattle, Washington area. The property damage risk index in Seattle is considered “279”, which is significantly higher than the national average of 100. Additionally, if you drive a vehicle that is not on the top ten most commonly stolen vehicles in the state of Washington, your auto insurance premium will be lower than people driving those cars. Some of the more commonly stolen vehicles include: 1991 Honda Accord, 1995 Honda Civic, 1989 Toyota Camry, 1990 Acura Integra and the 1986 Toyota Pickup. Most people mistakenly assume that driving a small, inexpensive vehicle will result in lower insurance premiums- but if that small car graces the list of often stolen cars, you will have to pay for that increased theft risk.

Car Insurance Requirements in Seattle (WA)

The state of Washington is based on no-fault auto insurance laws for bodily injury claims, because the tort system often leads to long (and expensive!) court battles to decide who is at fault. Under the no-fault car insurance laws, a good driver doesn't have to prove the accident was not his or her fault before he or she gets money. The insurance company will cover medical bills and lost wages. Under the no-fault law though, drivers cannot sue the other driver for any pain and suffering or emotional distress caused by the accident, even if the driver is severely injured. For property damage to your vehicle or the contents, the insurance laws are based on who is at fault.

Request a free quote for Seattle car insurance today >>