Wouldn’t it be perfect if you could know instantly the single best company in Seattle that has the cheapest insurance for active military? That is not the case, however, as there are many unknown elements like if you are a man or woman, whether or not you own a home, and what your desired deductibles are. We know insurance is not everyone’s favorite topic, but in this article we will cover some of these topics and educate you enough to have a solid foundation to find cheaper car insurance.
The vehicle that needs insurance is probably the most important factor when shopping for cheaper car insurance for active military. Vehicles with lower acceleration and performance, good safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.
The data below showcases car insurance prices for some of the most economical vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,643 |
| Honda CR-V EX-L 2WD | $1,682 |
| Honda Odyssey EX W/Rear Entertainment | $1,745 |
| Chevrolet Equinox LS AWD | $1,778 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,787 |
| Toyota RAV4 Sport 2WD | $1,778 |
| Jeep Grand Cherokee Laredo 4WD | $1,784 |
| Ford Explorer Limited 2WD | $1,812 |
| Toyota Prius | $1,825 |
| Ford F-150 XLT Crew Cab 2WD | $1,842 |
| Dodge Grand Caravan SE | $1,850 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,872 |
| Hyundai Elantra SE 4-Dr Sedan | $1,878 |
| Chevrolet Impala LTZ | $1,872 |
| Toyota Corolla XLE | $1,881 |
| Chevrolet Malibu LTZ | $1,905 |
| Kia Optima LX | $1,911 |
| Start Your Quote Go | |
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can influence coverage rates greatly.
Based upon these rates, you can figure that cars like the Ford Escape, Honda CR-V, Honda Odyssey, and Chevrolet Equinox should be the most economical vehicles to insure for military personnel.
Finding out which company quotes the cheapest car insurance rates for active military will involve a tad more effort than just comparing rates from one or two companies. Each auto insurance company has their own formula to determine premium rates, so we’ll go over the car insurance companies with the most affordable rates in Seattle, WA.
Compare Cheap Insurance Quotes for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $777 |
| 2 | Grange | $813 |
| 3 | PEMCO | $964 |
| 4 | Nationwide | $990 |
| 5 | Travelers | $1,028 |
| 6 | Mutual Enumclaw | $1,034 |
| 7 | California Casualty | $1,072 |
| 8 | The Hartford | $1,080 |
| 9 | USAA | $1,082 |
| 10 | Allied | $1,109 |
| 11 | Chubb | $1,127 |
| 12 | American Family | $1,160 |
| 13 | State Farm | $1,176 |
| 14 | Amica | $1,206 |
| 15 | Safeco | $1,216 |
| 16 | Liberty Mutual | $1,296 |
| 17 | Farmers | $1,315 |
| 18 | National General | $1,480 |
| 19 | Progressive | $1,525 |
| 20 | MetLife | $1,647 |
| View More Rates Go | ||
Capital quotes some of the most affordable car insurance rates in Seattle at around $777 each year. This is $635 less than the average price paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers also qualify as some of the best Seattle, WA insurance companies.
In this example, if you have coverage with Nationwide and switched to Capital, you may realize an annual premium reduction of roughly $213. Washington drivers with Travelers may save as much as $251 a year, and Mutual Enumclaw customers might see rate reductions of $257 a year.
To find the cheapest rates for your vehicle, click here or click several companies below for low rates.
Understand that those prices are averages across all insureds and vehicles and do not factor in an exact vehicle garaging location for active military. So the company that fits your needs best may not even be in the top 25 companies in the list above. That affirms the importance of why you need to get rate quotes using your own individual information.
For military personnel, one of the big considerations that help determine the price you pay for insurance is your zip code in Seattle. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with less congestion profit from lower rates.
The illustration below lists the most expensive cities in Washington for active military to purchase car insurance in. Seattle makes the list at #3 costing $1,391 for the average policy, which is about $116 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Renton | $1,403 |
| 2 | Lakewood | $1,392 |
| 3 | Seattle | $1,391 |
| 4 | Tacoma | $1,385 |
| 5 | Federal Way | $1,379 |
| 6 | Kent | $1,378 |
| 7 | Auburn | $1,366 |
| 8 | Shoreline | $1,366 |
| 9 | South Hill | $1,300 |
| 10 | Everett | $1,288 |
| 11 | Redmond | $1,238 |
| 12 | Marysville | $1,221 |
| 13 | Sammamish | $1,220 |
| 14 | Bellevue | $1,206 |
| 15 | Kirkland | $1,195 |
| 16 | Vancouver | $1,181 |
| 17 | Lacey | $1,111 |
| 18 | Olympia | $1,105 |
| 19 | Spokane | $1,060 |
| 20 | Spokane Valley | $1,054 |
| 21 | Kennewick | $1,041 |
| 22 | Yakima | $1,026 |
| 23 | Pasco | $998 |
| 24 | Richland | $993 |
| 25 | Bellingham | $977 |
| Find the Best Rates Go | ||
Rates are comparative as vehicle location can modify coverage rates considerably.
Selecting a high-quality car insurance company is difficult considering how many different companies insure vehicles in Washington. The company rank data in the lists below could help you pick which companies to look at when trying to find cheaper insurance for active military.
The ratings below are only made up of the largest companies in America, so companies that only write business in Washington or surrounding areas will not be included in this list. To check prices from these top-rated insurers and more, follow this link.
Top 10 Major Auto Insurance Companies Overall in Seattle
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Impact of speeding/accidents on Seattle car insurance rates
The obvious way to snag cheap car insurance prices for military personnel is to drive attentively and avoid accidents and traffic citations. The chart below illustrates how traffic citations and at-fault fender-benders raise insurance premiums for each age group. The prices are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance per year with no accidents or violations is $1,591. Factor in one speeding ticket and the average cost swells to $1,855, an increase of $264 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for active military jumps again to an average of $2,599. That’s an increase of $1,008, or $84 per month, just for not driving responsibly!
Discounts on Seattle car insurance rates
Insurance providers that offer cheap quotes for active military could also offer price discounts that could reduce prices by 25% or more if you meet certain criteria. Large car insurance companies and a summarized list of policyholder discounts are shown below.
- American Family includes discounts for Steer into Savings, air bags, mySafetyValet, accident-free, defensive driver, and early bird.
- Farm Bureau offers premium reductions for driver training, safe driver, good student, youthful driver, and multi-vehicle.
- State Farm may have discounts that include Drive Safe & Save, safe vehicle, student away at school, anti-theft, good student, and accident-free.
- Travelers has discounts for multi-policy, home ownership, student away at school, multi-car, and hybrid/electric vehicle.
- The Hartford discounts include anti-theft, vehicle fuel type, good student, air bag, bundle, driver training, and defensive driver.
- GEICO policyholders can earn discounts including anti-theft, emergency military deployment, five-year accident-free, anti-lock brakes, good student, federal employee, and seat belt use.
- Progressive offers discounts including homeowner, online signing, good student, online quote discount, and continuous coverage.
The diagram below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, a clean driving record, no claims, Washington state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, claim-free, multiple vehicle, homeowner, anti-theft, and multiple policy discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for active military is 28% or $367.