Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Seattle?

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.

Car insurance prices in Seattle
Rank City Average Per Year
1 Tacoma $1,441
2 Federal Way $1,421
3 Auburn $1,408
4 Renton $1,389
5 Lakewood $1,378
6 Seattle $1,349
7 South Hill $1,340
8 Kent $1,337
9 Shoreline $1,312
10 Bellevue $1,256
11 Everett $1,250
12 Kirkland $1,231
13 Sammamish $1,220
14 Marysville $1,208
15 Redmond $1,201
16 Vancouver $1,192
17 Lacey $1,089
18 Olympia $1,072
19 Spokane $1,071
20 Yakima $1,068
21 Spokane Valley $1,065
22 Richland $1,013
23 Bellingham $1,007
24 Kennewick $1,001
25 Pasco $988
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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.

Cheapest Vehicles to Insure in Seattle, WA
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
Toyota Prius $2,588
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.

Seattle, WA Insurance Company Rankings
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

How to get discounts on Seattle auto insurance rates

Cheaper Seattle, WA insurance after a few driving violationsAuto 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.

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.

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