One of the more important criteria that are looked at to determine the annual cost of car insurance is where you keep your vehicle in Seattle. Areas with increased crime or more people likely pay more, whereas areas with less congestion benefit from having to pay less for coverage.
The illustration below shows the highest-priced places in Washington for immigrants in which to purchase auto insurance. Seattle is ranked #4 with the annual price of $1,405 for the average insured, which is around $117 each month.
|Rank||City||Average Per Year|
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Table data uses comparative as specific Seattle zip code can impact premiums significantly.
The car, truck, or SUV that needs insurance is probably the largest consideration when comparing quotes for the lowest-priced car insurance for immigrants. Vehicles with reasonable performance levels, good safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The next list features coverage rates for the most budget-friendly automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Volkswagen Jetta S 2.5 Station Wagon||$1,543|
|Ford Escape Limited 2WD||$1,668|
|Honda CR-V EX-L 2WD||$1,678|
|Chevrolet Equinox LT 2WD||$1,686|
|Ford Focus SEL 4-Dr Sedan||$1,741|
|Honda Civic VP 4-Dr Sedan||$1,749|
|Honda Odyssey EX-L W/Navigation||$1,773|
|Ford F-150 FX2 Super Cab 2WD||$1,827|
|Dodge Grand Caravan SE||$1,834|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,838|
|Nissan Rogue SL AWD||$1,892|
|Toyota Camry Hybrid||$1,925|
|Toyota Camry Hybrid||$1,931|
|Toyota RAV4 Sport 4WD||$1,927|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,952|
|Dodge Ram Quad Cab Sport 4WD||$1,957|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can change premiums greatly.
Looking at the numbers, we can expect models like the Volkswagen Jetta, Ford Escape, and Honda CR-V will definitely be a few of the cheapest vehicles to insure for foreigners.
Finding good, affordable insurance is easier said than done, and figuring out which company has the best car insurance rates for immigrants involves even more rate comparisons. Each insurer uses their own calculation to set premium rates, so first let’s look at the rankings for the most budget-friendly car insurance companies in Seattle.
It’s a good idea to know that Seattle car insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. This price fluctuation is why it is important to compare many different companies when trying to find the most budget-friendly insurance rates for immigrants. Prices can be determined by many risk factors and change dramatically, so the best company when you last compared rates may now not even be in the top five.
Find the Cheapest Auto Insurance for Migrants
Capital has some of the lowest car insurance rates in Seattle at around $777 per year. This is $635 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Mutual Enumclaw also qualify as some of the most economical Seattle, WA insurance companies.
As the rates illustrate above, if you are insured with PEMCO and switched to Capital, you may realize an annual savings of roughly $197. Insureds with Mutual Enumclaw could save as much as $246 a year, and Travelers customers might reduce prices by as much as $261 a year.
Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for immigrants. So the auto insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Responsible drivers pay cheaper Seattle car insurance rates
The obvious way to find cheap car insurance rates for foreigners is to be a careful driver and avoid accidents and traffic citations. The chart below shows how traffic citations and at-fault claims influence insurance premiums for each different age group. The premiums assume a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,328. Receive one speeding ticket and the average cost jumps to $1,504, an increase of $176 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for immigrants increases to an average of $1,995. That’s an increase of $667, or $56 per month, just for not being a responsible driver!
Selecting the best insurer can be rather challenging considering how many different companies insure vehicles in Seattle. The ranking information in the next section can help you select which auto insurance companies you want to consider when comparing rate quotes.
The rankings below are only comprised of major nationwide insurance companies, so smaller companies are not included in these rankings. To get rate quotes from these companies and more, click here.
Top 10 Major Auto Insurance Companies Overall in Seattle
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Your low-price policy may be costing you money
Seattle, WA car insurance rates are influenced by many factors which can substantially decrease or increase the policy price. Simply getting older, becoming a homeowner, or getting into an accident can trigger changes in premium that can cause some rates to be cheaper than competitors. Not only that, but car insurance companies amend pricing multiple times each year in order to maintain liquidity for claims. A period of increased losses can cause increased rates, while less frequent claims may result in lower-priced Seattle car insurance rates.
The bar chart below shows rates for the cheapest car insurance in Seattle, WA for a 45-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we estimate prices based on his current rating profile, Capital has the best car insurance rates in Seattle at $1,030 a year. This is $382 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also make the list of the most affordable Seattle, WA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a claim, a lower credit rating, and a speeding ticket. Because each insurer has a proprietary formula to establish rates, analyzing rate quotes could result in a different list of the cheapest car insurance companies in Seattle as shown below.
Mutual Enumclaw now has the best price on car insurance in Seattle with USAA, Chubb, California Casualty, and State Farm now rounding out the top five. This example demonstrates why consumers need to take the time to take the time to shop around when trying to find the most affordable auto insurance quotes for immigrants.
Insurance rates consist of many risk factors and can increase or decrease at any time, so the most economical option the last time you shopped around may now be an over-priced policy.
How to find low-cost insurance for immigrants
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help you quote low-cost coverage.
- Higher deductibles mean lower rates
- Having too many claims will increase rates substantially
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not get traffic violations
- Accident-free drivers may qualify for discounts
- Shop around once a year for cheaper rates
The final tip is incredibly critical, as we stressed in the article above. Insurance rates change frequently, so drivers shouldn’t be reluctant to switch carriers if a cheaper rate is available. Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying lots of hard earned cash every month. It only take a few minutes to compare rates and find cheaper car insurance for immigrants in Seattle.