How Much are Seattle Car Insurance Rates for 19 Year Olds?

You have probably seen the commercials from insurers like Liberty Mutual, State Farm, and GEICO that claim huge savings. So drivers should just choose any one of them, right?

That is not the case, however, as there are a whole slew of unknown factors like if you have a tendency to get pulled over, if you own or rent your home, and your financial responsibility, that all impact the cost of coverage. We will try to teach you about the best ways to avoid high prices and will hopefully give you a good start in finding the cheapest insurance.

One of the more important considerations that are looked at to determine the price you pay for insurance is where you live in Seattle. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.

The next table ranks the priciest cities in Washington for 19 year olds to buy an auto insurance policy in. Seattle makes the list at #8 having an annual price of $1,363 for the average insurance policy, which is approximately $114 each month.

How much does car insurance cost in Seattle, WA?
Rank City Annual Rate
1 Tacoma $1,427
2 Lakewood $1,420
3 Federal Way $1,393
4 Renton $1,389
5 Auburn $1,380
6 Kent $1,378
7 Shoreline $1,366
8 Seattle $1,363
9 South Hill $1,354
10 Everett $1,288
11 Marysville $1,245
12 Bellevue $1,243
13 Redmond $1,238
14 Sammamish $1,220
15 Kirkland $1,195
16 Vancouver $1,192
17 Olympia $1,105
18 Lacey $1,078
19 Spokane $1,060
20 Yakima $1,057
21 Spokane Valley $1,054
22 Pasco $1,018
23 Richland $1,013
24 Bellingham $1,007
25 Kennewick $1,001
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Premium costs are comparative as the vehicle garaging location can revise prices significantly.

Deciphering which companies offer the lowest-priced insurance rates for 19 year olds will involve a little more work than just comparing a company or two. Each insurance company used slightly different criteria for filing rates in each state, so let’s look at the rankings for the insurance companies with the overall best prices in Washington.

It’s important to know that Seattle, WA insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Improving your credit rating, moving across town, or getting caught speeding can trigger changes in premium that can cause some rates to be more affordable than the competition.

Best Cheap Insurance Rates for Teens

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Cheapest insurance companies in Washington
Rank Company Cost Per Year
1 Capital $784
2 Grange $822
3 Nationwide $961
4 PEMCO $964
5 Travelers $1,028
6 Mutual Enumclaw $1,054
7 The Hartford $1,058
8 USAA $1,060
9 Chubb $1,094
10 California Casualty $1,116
11 Allied $1,131
12 State Farm $1,165
13 Safeco $1,192
14 American Family $1,196
15 Amica $1,256
16 Liberty Mutual $1,296
17 Farmers $1,369
18 Progressive $1,480
19 National General $1,495
20 MetLife $1,631
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Capital quotes some of the best car insurance rates in Seattle at around $784 annually. This is $628 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the cheaper Seattle, WA car insurance companies.

As shown in the rates above, if you are a customer of Nationwide and switched to Capital, you could realize a yearly savings of in the vicinity of $177. Insureds with PEMCO might save as much as $180 a year, and Travelers customers might cut rates by $244 a year.

To compare your rates to other Washington insurance companies, click here to start your free quote or visit any of the low-priced companies below.

Remember that these policy prices are averages across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for 19 year olds. So the insurer that can offer you the lowest price may not even be in the top 25 companies in the list above. That’s why you need to get rate quotes from many companies using your own driver data and vehicle information.

The make and model of vehicle that needs insurance is one of the primary factors when consumers are trying to find the best cheap auto insurance for 19 year olds. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The next list features auto insurance prices for a number of the more affordable automobiles to insure in Washington.

Cheapest Vehicles to Insure in Seattle, WA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,586
Honda CR-V LX 4WD $4,593
Ford Escape XLT 4WD $4,642
Toyota Prius $5,020
Honda Odyssey LX $5,065
Ford F-150 XLT Regular Cab 4WD $5,121
Ford Explorer XLT 4WD $5,126
Chevrolet Impala LS $5,386
Chevrolet Equinox LS AWD $5,443
Chevrolet Malibu Hybrid $5,451
Toyota RAV4 Limited 4WD $5,443
Jeep Grand Cherokee Laredo 4WD $5,452
Volkswagen Jetta S 4-Dr Sedan $5,443
Dodge Grand Caravan SXT $5,499
Toyota Tacoma Double Cab 4WD $5,505
Dodge Ram Quad Cab ST 2WD $5,536
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $5,598
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Data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in your specific Seattle, WA location which can alter coverage prices substantially.

Based upon the table data, you can see that cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the more affordable vehicles to insure for teenage drivers. Car insurance rates will tend to be more expensive because there is more risk for 19 year olds, but generally speaking those particular vehicles will have the best insurance prices compared to all other vehicles.

Drive safe and save

The recommended way to find affordable insurance premiums for teenage drivers is to be a safe driver and avoid accidents and violations. The illustration below demonstrates how traffic citations and at-fault collisions raise premium costs for different age categories. The premiums are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Seattle per year with no violations or accidents is $1,328. Add in two speeding tickets and the average cost surges to $1,773, an increase of $445 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for 19 year olds jumps again to an average of $2,220. That’s an increase of $892, or $74 per month, just for not being a responsible driver!

Should you buy full coverage?

Buying cheaper insurance should be important to the majority of people, and one easy way to pay lower rates for insurance for 19 year olds is to buy liability only. The diagram below visualizes the comparison of premium costs with liability coverage only compared to full coverage. The premiums are based on no claims or violations, $100 deductibles, drivers are not married, and no other discounts are factored in.

As an average for all age groups, comp and collision coverage costs an additional $1,885 per year more than just insuring for liability. Lot’s of drivers question if full coverage is worth the money. There isn’t a written rule for eliminating physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $3,000 after you pay the deductible. If it’s costing in excess of $300 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

Finding a high-quality auto insurance provider can be a challenge considering how many companies there are in Seattle. The company information in the next section may help you choose which auto insurers to look at when comparing rate quotes. The ratings below are only comprised of companies with a national presence, so companies that may only write in Washington are not taken into consideration for these rankings.

Best 15 Insurance Companies for 19 Year Olds in Washington
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: Best Car Insurance Companies

Ideas for finding more affordable car insurance for 19 year olds

The list below details many money-saving ideas that can help you quote lower-cost coverage.

The last idea is notably vital, as we hit on in this write-up. Auto insurance prices change frequently, so drivers shouldn’t be reluctant to buy a different policy if you can find a cheaper rate. Staying with the same company for years is fine, but it isn’t a good idea if it’s costing you hundreds of dollars a year. In just a couple of minutes you could compare rates and find cheaper auto insurance for 19 year olds in Seattle.

The Seattle auto insurance agencies shown below can most likely help you make a decision which auto insurance policy would work best for you, as some drivers have questions and prefer to get help from a professional when shopping around for cheaper insurance for 19 year olds. It can be hard to find the best coverage yourself, and getting advice from a licensed Washington insurance agent can provide peace of mind knowing your coverage gives you adequate protection.

To locate a Seattle car insurance agency near you, click the button at the bottom of the list or click here to compare price quotes.

Chris Gibbens – State Farm Insurance Agent
607 W McGraw StSeattle, WA 98119(206) 331-4864

Melinda Elkin – State Farm Insurance Agent
7104 Greenwood Ave NSeattle, WA 98103(206) 784-6560

Dave Newman – State Farm Insurance Agent
3435 California Ave SWSeattle, WA 98116(206) 932-1878

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