Who Has the Cheapest Auto Insurance for Veterans in Seattle?

The vehicle to be insured is one of the main factors that determines if you can find cheap insurance for veterans. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The information below outlines car insurance costs for a number of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Seattle, WA
Insured Vehicle Estimated Cost for Full Coverage
Ford F-150 XL Crew Cab 4WD $1,838
Hyundai Elantra GLS Touring Station Wagon $1,841
Chevrolet Impala LT $1,901
Toyota RAV4 4WD $1,910
Toyota Camry LE $1,901
Chevrolet Silverado LS Regular Cab 2WD $1,904
Dodge Grand Caravan SXT $1,936
Ford Edge Sport AWD $1,999
Honda CR-V EX 4WD $2,016
Toyota Prius $2,033
Nissan Altima 3.5 SR 4-Dr Sedan $2,042
Volkswagen Jetta 2.0T 4-Dr Sedan $2,033
Jeep Grand Cherokee Limited 2WD $2,041
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can modify prices considerably.

Based upon these rates, you can expect cars like the Ford F-150, Hyundai Elantra, Chevrolet Impala, Toyota RAV4, and Toyota Camry are most likely to be the more affordable vehicles to insure for veterans.

Deciding which companies have the lowest-priced car insurance rates for veterans takes a little more effort in order to find a policy that fits your budget. Every auto insurer uses their own method for determining rates, so to begin we’ll rank the car insurance companies with the overall best prices in Washington.

It’s a good idea to know that Seattle car insurance rates are impacted by many factors that may substantially change your annual premium. Simply improving your credit, buying a home, or getting a ticket for careless driving may cause policy rate changes that can now make some companies more affordable than the competition.

Best Cheap Insurance Rates for Vets

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Cheapest Washington auto insurance companies
Rank Company Cost Per Year
1 Capital $784
2 Grange $847
3 Nationwide $981
4 PEMCO $994
5 Mutual Enumclaw $1,023
6 Travelers $1,028
7 The Hartford $1,058
8 USAA $1,060
9 Allied $1,109
10 Chubb $1,116
11 California Casualty $1,116
12 State Farm $1,130
13 American Family $1,208
14 Safeco $1,216
15 Amica $1,219
16 Liberty Mutual $1,270
17 Farmers $1,315
18 National General $1,480
19 Progressive $1,480
20 MetLife $1,697
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Capital normally has some of the most affordable car insurance rates in Seattle at around $784 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw also are some of the more affordable Seattle, WA auto insurance companies.

In the rate table above, if you are a customer of Mutual Enumclaw and switched to Grange, you might achieve yearly savings of upwards of $176. Policyholders with Travelers could save as much as $181 a year, and The Hartford insureds might cut rates by $211 a year.

If you want to find out if you’re overpaying, click here or quote prices from the following companies.

It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for veterans. So the insurer that is best suited for you may not even be in the top 25 companies in the list above. That’s why you need to compare prices as often as possible using your own individual information.

How accidents and violations affect rates

The recommended way to snag the most affordable car insurance prices in Seattle for veterans is to pay attention while driving and avoid accidents and traffic violations. The example below illustrates how traffic citations and accidents can influence insurance costs for each different age category. The prices are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of a car insurance policy in Washington per year with a clean driving record and no accidents is $1,740. Get written up for one speeding ticket and the average cost surges to $2,027, an increase of $286 each year. Then add in one accident along with the one speeding ticket and the yearly cost of car insurance for veterans increases to an average of $2,846. That’s an increase of $1,106, or $92 per month, just for not keeping your driving record clean!

Rate difference between full and liability-only coverage

Buying cheaper car insurance is probably important to the majority of vehicle owners, and one of the quickest ways to reduce the cost of insurance for veterans is to only buy liability insurance. The chart below shows the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Washington. Data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

If averaged for all ages, full coverage costs $1,693 per year more than just buying liability only. At some point, about every driver wonders if buying full coverage is worth the money. There isn’t a steadfast formula to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

Here’s why price comparisons are so important

Seattle car insurance rates are calculated based on many things that will increase or decrease the policy price. Simply turning a year older, becoming a homeowner, or getting a ticket for careless driving may generate price changes that can cause some rates to be more affordable than competitors.

And not only may your rating factors change, but insurers file new rates as needed to help ensure profitability. Significantly higher claims may cause increased rates, while better underwriting may result in cheaper Seattle car insurance rates.

For example, the graph below shows rates for the cheapest car insurance in Seattle, WA for a 30-year-old female driver with a clear driving record, no claims, and a good credit rating. If we look at prices based on her current rating profile, Capital quotes the most affordable car insurance rates in Seattle at $1,095 a year. This is $317 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also make the list of the top five cheapest Seattle, WA auto insurance companies.

The chart below compares rates after we give the driver in the first chart a chargeable accident, a little lower credit rating, and a few blemishes on her driving record. Since each company has a different process for filing rates in each state, analyzing rate quotes could result in a slightly different list of companies as shown below.

Mutual Enumclaw now has the lowest price in Seattle, WA with California Casualty, The Hartford, Chubb, and Allied also having competitive pricing. This example demonstrates why it is crucial to do a thorough rate comparison when trying to find the cheapest car insurance quotes for veterans.

Auto insurance prices can be determined by many factors and change dramatically, so the best price two years ago may now be priced much higher than other options.

How to find the cheapest car insurance for veterans

The list below shows some of the recommended penny-pinching solutions that can help you locate lower-cost coverage.

The last tip is very crucial, as we stressed in this piece. Prices in Seattle fluctuate considerably, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it’s not a good idea if your bullheadedness ends up costing you lots of money. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for veterans.

The agents below can provide answers to your questions and help you determine which coverage fits your budget, since lots of people like to have professional advice when shopping for cheaper insurance for veterans. It can be time-consuming to find the best coverage yourself, so getting advice from a licensed Washington insurance agent can bring comfort knowing your policy gives you suitable coverage if you ever need to use it. To find a Seattle insurance agency near you, click the link at the bottom.

Vern Fonk
10301 Aurora Ave NSeattle, WA 98133(206) 408-5098

Ezra Teshome – State Farm Insurance Agent
1510 14th AveSeattle, WA 98122(206) 322-3910

Northwest Insurance Group
6055 California Ave SWSeattle, WA 98136(206) 932-2500

Magnolia Insurance Agency, Inc.
3424 W McGraw StSeattle, WA 98199(206) 284-4886

Ati Agency Inc
2150 N 107th St # 460Seattle, WA 98133(206) 522-9200

View map of Seattle, WA insurance agents