Who Has Affordable Auto Insurance Rates for Business Use in Seattle?

The words “economical” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are looking for the best car insurance rates for business use. Let’s start the ball rolling by going over some of the factors that impact auto insurance premiums, and come up with some ways to take the sting out of your next policy.

The car, truck, or SUV needing coverage is one of the largest factors in finding economical auto insurance for business use. Vehicles with high performance, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than safer models.

The next table illustrates coverage rates for some of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Seattle, WA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,502
Jeep Wrangler Sport 4WD 2-Dr $1,519
Ford Escape XLS 2WD $1,609
Toyota Prius $1,631
Chevrolet Silverado LS Regular Cab 2WD $1,734
Toyota RAV4 Sport 2WD $1,740
Hyundai Elantra SE Touring Station Wagon $1,751
Ford Explorer Limited AWD $1,773
Ford Edge SE AWD $1,866
Dodge Grand Caravan CV $1,871
Chevrolet Impala LS $1,917
Chevrolet Malibu LT $1,942
Toyota Tacoma Double Cab 4WD $1,950
Jeep Grand Cherokee Laredo 4WD $1,961
Hyundai Sonata Limited 4-Dr Sedan $1,989
Toyota Camry Hybrid $1,997
Toyota Camry SE $2,008
Nissan Altima 2.5 S 4-Dr Sedan $2,017
Ford Focus SEL 4-Dr Sedan $2,008
Dodge Ram 2500 Crew Cab Laramie 4WD $2,021
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in specific location information which can revise price quotes considerably.

Based upon these rates, we can conclude that cars like the Honda CR-V, Jeep Wrangler, and Ford Escape will be the most economical vehicles to insure for using your car for business. The price of auto insurance will trend higher because of the fact that there is more liability risk for business use, but generally speaking those particular models will tend to have the cheapest rates that you are likely to find.

For using your car for business, one of the more important considerations that determine car insurance rates is where you choose to live. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The illustration below rates the most expensive areas in Washington for business use to purchase auto insurance in. Seattle is listed at #6 with a yearly premium of $1,363 for the average insurance policy, which is about $114 per month.

How much does car insurance cost in Seattle, WA?
Rank City Average Per Year
1 Lakewood $1,420
2 Auburn $1,408
3 Renton $1,403
4 Tacoma $1,399
5 Federal Way $1,379
6 Seattle $1,363
7 Kent $1,350
8 Shoreline $1,326
9 South Hill $1,300
10 Everett $1,276
11 Bellevue $1,256
12 Marysville $1,221
13 Sammamish $1,220
14 Kirkland $1,207
15 Redmond $1,201
16 Vancouver $1,192
17 Olympia $1,083
18 Lacey $1,078
19 Spokane $1,071
20 Spokane Valley $1,065
21 Yakima $1,037
22 Kennewick $1,031
23 Bellingham $1,017
24 Pasco $998
25 Richland $993
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Rate quotes are estimated as specific location information can decrease or increase premiums considerably.

Trying to buy low-priced car insurance is confusing at best, and deciding which companies offer the cheapest car insurance rates for business use will require even more rate comparisons.

Each auto insurer has a unique approach for setting rates, so first we will examine the car insurance companies with the overall cheapest rates in Seattle, WA.

Find the Cheapest Car Insurance for Business Use

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What’s the cheapest car insurance in Washington?
Rank Company Cost Per Year
1 Capital $784
2 Grange $838
3 Nationwide $981
4 PEMCO $1,004
5 Mutual Enumclaw $1,023
6 Travelers $1,028
7 The Hartford $1,048
8 USAA $1,050
9 Chubb $1,083
10 California Casualty $1,105
11 State Farm $1,141
12 Allied $1,142
13 American Family $1,160
14 Safeco $1,192
15 Amica $1,243
16 Liberty Mutual $1,296
17 Farmers $1,315
18 Progressive $1,465
19 National General $1,525
20 MetLife $1,631
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Capital normally has some of the best car insurance rates in Seattle at around $784 each year. This is $628 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Mutual Enumclaw are also some of the cheaper Seattle, WA car insurance companies.

As shown in the table above, if you currently have a policy with Nationwide and switched to Capital, you could realize an annual savings of roughly $197. Customers with PEMCO may save as much as $220 a year, and Mutual Enumclaw insureds might lower prices by up to $239 a year.

To get a fast rate comparison, click here to start your custom quote or quote rates from the companies below.

Understand that those premiums are averaged for all insureds and vehicles and do not factor in a specific location for business use. So the company that has the lowest price for you may not even be in the top 25 companies shown above. That’s why you need to compare prices as often as possible using your own individual information.

Types of discounts on Seattle auto insurance rates

Car insurance for using your car for business in Seattle, WAInsurers that provide coverage for business use may provide rate discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. Large car insurance companies and the discounts they provide are detailed below.

The diagram below shows the comparison of insurance costs with and without discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Washington state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple policy, defensive driving course, passive restraint, and marriage discounts applied. In this example, theaverage yearly reduction on car insurance for business use is 28% or $407.

Ending up with a highly-rated insurance provider is hard considering how many companies there are to choose from in Seattle. The ranking information displayed below may help you analyze which insurers to look at when shopping insurance around for business use.

These rankings are for the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not factored into this list. If you’d like to compare prices from these and other companies in Washington, follow this link.

Best 15 Car Insurance Companies for Business Use in Seattle
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how different deductible levels can increase or decrease annual premium costs when trying to find cheap insurance for business use. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could lower their car insurance rates by $234 a year by changing from a $100 deductible up to a $500 deductible, or save $354 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could drop their prices up to $592 every year just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be important to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.