Who Has the Cheapest Seattle Car Insurance for Teenage Females?

One of the many criteria that are used to help calculate auto insurance rates is your zip code in Seattle. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The illustration below rates the most expensive areas in Washington for teenage females to purchase a policy in. Seattle ranks #7 with an annual cost of $1,349 for the average insurance policy, which is approximately $112 monthly.

How much does auto insurance cost in Seattle?
Rank City Annual Rate
1 Federal Way $1,435
2 Tacoma $1,427
3 Lakewood $1,420
4 Auburn $1,408
5 Renton $1,361
6 Kent $1,350
7 Seattle $1,349
8 Shoreline $1,312
9 South Hill $1,300
10 Marysville $1,258
11 Bellevue $1,256
12 Everett $1,250
13 Redmond $1,238
14 Kirkland $1,195
15 Vancouver $1,192
16 Sammamish $1,184
17 Olympia $1,105
18 Spokane $1,104
19 Lacey $1,089
20 Spokane Valley $1,087
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Rate quotes are estimated as the specific geographic location can increase or decrease coverage prices noticeably.

The vehicle model you are buying coverage for is a significant factor that determines if you can find affordable insurance for teenage females. Vehicles with average performance, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The next table estimates car insurance costs for some of the most cost-effective vehicles to insure in Washington.

Cheapest Vehicles to Insure in Seattle, WA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $5,401
Honda CR-V EX-L 4WD $5,454
Toyota Prius $5,846
Dodge Grand Caravan CV $6,066
Ford F-150 XL Regular Cab 4WD $6,073
Ford Explorer Eddie Bauer 2WD $6,066
Ford Edge SEL AWD $6,354
Honda Odyssey EX W/Rear Entertainment $6,364
Toyota Camry LE $6,406
Toyota RAV4 Limited 4WD $6,412
Chevrolet Impala LT $6,406
Chevrolet Malibu Hybrid $6,416
Jeep Grand Cherokee Laredo 2WD $6,406
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Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can revise price quotes considerably.

Looking at the rates, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Dodge Grand Caravan are most likely to be a few of the more affordable vehicles to insure for teen girls. Rates will be more costly because there is more exposure for teenage females, but generally speaking those makes and models will most likely have the lowest insurance rates that you are likely to find.

Trying to buy cost effective car insurance is confusing at best, and deciding which company has the cheapest car insurance rates for teenage females involves even more work.

Every car insurance company has a different formula to determine premium rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Seattle.

Best Cheap Insurance Rates for Teens

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Cheapest Washington auto insurance companies
Rank Company Cost Per Year
1 Capital $761
2 Grange $847
3 Nationwide $961
4 PEMCO $994
5 Travelers $998
6 Mutual Enumclaw $1,034
7 The Hartford $1,080
8 USAA $1,092
9 Chubb $1,094
10 Allied $1,109
11 California Casualty $1,116
12 State Farm $1,130
13 American Family $1,160
14 Amica $1,206
15 Safeco $1,228
16 Liberty Mutual $1,270
17 Farmers $1,355
18 National General $1,480
19 Progressive $1,525
20 MetLife $1,631
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Capital offers some of the best car insurance rates in Seattle at around $761 a year. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the cheaper Seattle, WA insurance companies.

In this example, if you are currently insured with Travelers and switched to Grange, you might achieve savings of roughly $151. Washington drivers with Mutual Enumclaw might save as much as $187 a year, and The Hartford insureds might reduce rates by $233 a year.

To see if you’re overpaying, click here to get quotes or visit any of the low-priced companies below.

Be aware that those estimates are averaged across all drivers and vehicles and and are not figured with an exact zip code location for teenage females. So the insurer that can offer you the lowest price may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

How to get discounts on Seattle car insurance

Cheaper Seattle, WA car insurance for teen girlsInsurance companies that offer coverage for teenage females may additionally offer policy discounts that can reduce rates by as much as 35% if you are eligible to receive them. A few popular companies and some of the premium reductions they offer can be read below.

The diagram below shows the comparison of insurance prices with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, Washington state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with paperless filing, paid-in-full, anti-theft, good student, continuous coverage, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for teenage females is 28% or $597.

Full coverage rates vs. liability-only

Finding the cheapest car insurance is important to most drivers, and one of the best ways to save on the cost of insurance for teenage females is to not pay for full coverage. The chart below shows the comparison of insurance rates with full coverage compared to only the Washington minimum liability coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are applied.

As an overall average, full coverage costs $1,693 per year more than carrying just liability coverage. At some point, every insured wonders if buying full coverage is worth the expense. There is no set guideline of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $10,000 after paying your deductible. If premiums are more than $1,000 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

A good deal can quickly turn bad

Seattle, WA car insurance rates are influenced by many factors that can increase the policy price. Turning one year older, having a claim, or getting a ticket for careless driving can produce rate changes that can cause some rates to be cheaper than competitors. Not only may your risk profile change, but auto insurance companies change premium rates every year to reflect underwriting profits or losses. Higher than normal claims may result in increased rates, while lower claim expenses may result in cheaper Seattle car insurance rates.

To illustrate this point, the graph below compares the cheapest car insurance in Seattle, WA for a 35-year-old male driver with no accidents, a clean driving record, and great credit. Based on his current risk profile, Capital has the most affordable car insurance rates in Seattle at $1,076 each year. This is $336 less than the average policy premium paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers are the rest of the cheapest Seattle, WA auto insurance companies.

Now we will pretend the driver in the first example a chargeable accident, poor credit, and a traffic citation. Since each auto insurance company has a unique formula for determining rates in each state, comparing insurance quotes could result in a different ranking of the cheapest companies as shown below.

USAA now has the cheapest car insurance in Seattle with Mutual Enumclaw, Chubb, California Casualty, and Allied also having competitive pricing. This example shows why it is crucial to compare rates when trying to find the lowest car insurance rates for teenage females. Insurance rates are made up of many things and change substantially, so the best option six months ago may now be wasting a lot of money.