What Car Insurance is Cheapest for College Graduates in Seattle?

It’s hard to miss the ads from companies like Liberty Mutual and Nationwide that say if you switch you’ll get huge savings. So you should just select the one with the best jingle, right?

It’s not that easy, however, as there are many unknown factors like whether you are male or female, how experienced of a driver you are, and the miles you drive each year, that all help calculate your car insurance rates. We will touch on the best ways to maintain low rates and will hopefully give you a good start in finding the cheapest car insurance in Washington.

The vehicle model you are buying coverage for is one of the largest factors when shopping for cheap insurance for college graduates. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models. The next list ranks coverage costs for a handful of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Seattle, WA
Vehicle Estimated Cost for Full Coverage
Ford Explorer Eddie Bauer 2WD $1,826
Honda CR-V EX 4WD $1,890
Chevrolet Malibu LS $1,930
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,953
Ford F-150 FX4 4WD $1,964
Dodge Grand Caravan SXT $1,973
Toyota Prius $1,982
Ford Escape Limited 4WD $1,990
Ford Focus SEL 4-Dr Sedan $1,996
Hyundai Elantra GLS 4-Dr Sedan $2,033
Honda Odyssey EX-L W/Rear Entertainment $2,039
Hyundai Sonata GLS 4-Dr Sedan $2,068
Ford Fusion SE 4-Dr Sedan $2,078
Chevrolet Impala LS $2,068
Toyota RAV4 Sport 4WD $2,108
Toyota Camry Hybrid $2,206
Toyota Tacoma Double Cab 4WD $2,223
Toyota Corolla XLE $2,226
GMC Sierra 2500HD SLE Extended Cab 4WD $2,269
Nissan Altima Hybrid 4-Dr Sedan $2,277
Chevrolet Equinox LTZ 2WD $2,269
Jeep Grand Cherokee SRT-8 4WD $2,277
Ford Edge Limited AWD $2,275
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in your specific Seattle, WA location which can decrease or increase auto insurance rates noticeably.

Based upon the table data, we can expect cars like the Ford Explorer, Honda CR-V, and Chevrolet Malibu are going to be a few of the most affordable vehicles to insure for college grads.

One of the many things that aid in calculating insurance cost is where your car is garaged. Cities with larger populations will most likely pay more, whereas areas that tend to be more rural benefit from lower rates.

The illustration below shows the most expensive places in Washington for college graduates to buy car insurance in. Seattle comes in at #7 with an annual cost of $1,349 for the average policy, which is around $112 each month.

Car insurance prices in Seattle
Rank City Average Per Year
1 Tacoma $1,441
2 Federal Way $1,435
3 Lakewood $1,420
4 Auburn $1,408
5 South Hill $1,354
6 Kent $1,350
7 Seattle $1,349
8 Renton $1,348
9 Shoreline $1,312
10 Everett $1,250
11 Kirkland $1,243
12 Sammamish $1,232
13 Marysville $1,221
14 Bellevue $1,206
15 Redmond $1,201
16 Vancouver $1,146
17 Lacey $1,122
18 Spokane $1,093
19 Spokane Valley $1,087
20 Olympia $1,072
21 Yakima $1,068
22 Kennewick $1,041
23 Pasco $1,018
24 Richland $993
25 Bellingham $977
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Information shown are approximated as zip code location can influence coverage prices substantially.

Selecting a high-quality auto insurance provider can be challenging considering how many companies sell coverage in Seattle. The company rank data shown next could help you pick which companies to look at shopping your coverage with. The rankings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus will not be included in these rankings.

Top Ten Insurance Companies for College Graduates in Washington
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
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Seattle insurance rates

Insurance for college grads in Seattle, WAAuto insurance companies that provide policies for college graduates could also offer rate discounts that could potentially reduce rates by as much as 35% if you meet eligibility requirements. A few popular companies and some of their more popular discounts can be read below.

The chart below compares insurance prices with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving citations, Washington state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, passive restraint, claim-free, homeowner, safe-driver, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for college graduates is 28% or $604.

The example below demonstrates how deductible levels can raise or lower insurance prices when researching cheap insurance for college graduates. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

As shown above, a 30-year-old driver could reduce rates by $266 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $402 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates as much as $592 every year by choosing a higher deductible.

When raising deductibles, it is necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How to find budget-friendly auto insurance for college graduates

The list below shows a few penny-pinching solutions that can help drivers get cheap coverage.

The last idea is remarkably crucial, as we noted in this write-up. Prices in Seattle vary greatly, so don’t be tentative to switch carriers if a lower price can be found. Brand loyalty is great, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. Spend a few minutes and compare rates and find cheaper insurance for college graduates.