One of the many criteria that determine the amount you pay for auto insurance is your zip code in Seattle. Areas with more people or more claims are more likely to pay higher prices, whereas areas that tend to be more rural benefit from lower coverage costs.
The information below ranks the most expensive areas in Washington after a speeding ticket to purchase a policy in. Seattle makes the list at #6 with an annual rate of $1,349 on average, which is approximately $112 monthly.
|Rank||City||Average Per Year|
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Prices are estimated as zip code location can lower or raise premiums considerably.
The vehicle model you are insuring is one of the largest factors when trying to find low-priced coverage after a speeding ticket. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than safer models. The table below showcases auto insurance costs for the cheapest automobiles to insure in Washington.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$2,163|
|Dodge Grand Caravan CV||$2,367|
|Honda CR-V EX-L 4WD||$2,387|
|Toyota RAV4 2WD||$2,503|
|Hyundai Elantra SE Touring Station Wagon||$2,536|
|Ford Explorer Eddie Bauer 4WD||$2,549|
|Ford Focus SEL 4-Dr Sedan||$2,594|
|Honda Civic VP 4-Dr Sedan||$2,604|
|Ford F-150 XL Crew Cab 2WD||$2,610|
|Toyota Corolla LE||$2,640|
|Toyota Camry SE||$2,650|
|Hyundai Sonata GLS 4-Dr Sedan||$2,679|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$2,687|
|Ford Fusion Sport 4-Dr Sedan||$2,692|
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Price data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific Seattle, WA garaging location which can change coverage rates noticeably.
Based upon these rates, makes and models like the Ford Escape, Dodge Grand Caravan, and Honda CR-V will definitely be the cheaper vehicles to insure after a few driving violations.
Buying coverage from the top insurer can be a challenge considering how many companies sell coverage in Washington. The ranking information displayed below can help you analyze which auto insurance companies to look at putting your business with. These ratings include the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Seattle auto insurance rates
Auto insurance companies that offer coverage after a speeding ticket may also provide special discounts that could lower prices by 40% or more if you are eligible. The best insurance companies and their offered discounts can be read below.
- Farm Bureau may offer discounts for renewal discount, youthful driver, multi-policy, driver training, 55 and retired, good student, and safe driver.
- State Farm discounts include multiple autos, good student, anti-theft, Drive Safe & Save, multiple policy, and safe vehicle.
- Progressive offers discounts including homeowner, online signing, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
- Allstate may include discounts for teenSMART discount, multi-policy, defensive driver, premier plus, and utility vehicle.
- Nationwide offers discounts for business or organization, anti-theft, easy pay, multi-policy, good student, and Farm Bureau membership.
- MetLife may have discounts that include claim-free, accident-free, good student, defensive driver, good driver, and multi-policy.
The example below visualizes the comparison of yearly insurance costs with and without policy discounts. The data assumes a male driver, no accidents and three traffic tickets, Washington state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, continuous coverage, paid-in-full, paperless filing, anti-theft, and marriage discounts applied. When taking advantage of discounts, theamount saved on insurance after a speeding ticket is 28% or $692.
The diagram below illustrates how your deductible choice can increase or decrease yearly insurance costs when quoting cheap insurance after a speeding ticket. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.
A 30-year-old driver could save $378 a year by increasing from a $100 deductible up to a $500 deductible, or save $572 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could shave up to $1,116 annually by selecting a higher deductible. If you do make the decision to raise your deductibles, it is essential to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
If you would rather get some professional input when buying car insurance after a few driving violations, the agents below are willing to help you decide which insurance coverage will be best for you.
To find a Seattle insurance agency in your neighborhood, click the button following the list.
- Jeff Kalvelage – State Farm Insurance Agent
315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559
- Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910
- Youkie Chambers – State Farm Insurance Agent
2505 3rd Ave #120 – Seattle, WA 98121 – (206) 441-5630
- Chuck McFarland – State Farm Insurance Agent
9776 Holman Rd NW #107 – Seattle, WA 98117 – (206) 788-4640
- Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613