Trying to find reasonably-priced auto insurance is confusing at best, and figuring out which companies have the lowest-priced auto insurance rates for teachers calls for even more perseverance. Every car insurance company has their own unique process for setting prices, so let’s begin by taking a look at the overall cheapest auto insurance companies in Seattle, WA.
It’s a good idea to be aware that Seattle, WA auto insurance rates are impacted by many factors that will increase or decrease the price you pay. Events like turning one year older, having a claim, or getting a few speeding tickets can produce rate changes resulting in some companies being more expensive than competitors.
Best Auto Insurance Prices for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $754 |
| 2 | Grange | $813 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $994 |
| 5 | Travelers | $998 |
| 6 | Mutual Enumclaw | $1,023 |
| 7 | The Hartford | $1,080 |
| 8 | USAA | $1,092 |
| 9 | Allied | $1,098 |
| 10 | California Casualty | $1,105 |
| 11 | Chubb | $1,116 |
| 12 | State Farm | $1,130 |
| 13 | Amica | $1,206 |
| 14 | American Family | $1,208 |
| 15 | Safeco | $1,216 |
| 16 | Liberty Mutual | $1,270 |
| 17 | Farmers | $1,329 |
| 18 | Progressive | $1,480 |
| 19 | National General | $1,495 |
| 20 | GEICO | $1,673 |
| Find Cheaper Rates Go | ||
Capital offers some of the lowest car insurance rates in Seattle at around $754 annually. Grange, Nationwide, PEMCO, and Travelers also qualify as some of the lowest-priced Seattle, WA auto insurance companies.
In the above example, if you are currently insured with PEMCO and switched to Capital, you may see a yearly savings of around $240. Customers with Travelers could save as much as $244 a year, and Mutual Enumclaw insureds might reduce rates by $269 a year.
It’s important to note that these premium estimates are averages across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for teachers. So the insurer that fits you best may not even be in the top 25 companies shown above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.
One of the many factors that aid in calculating the amount you pay for auto insurance is your address in Seattle. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The table below rates the priciest cities in Washington for teachers to buy auto insurance in. Seattle shows up at #8 with a yearly cost of $1,363 for the average insurance policy, which is approximately $114 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Federal Way | $1,435 |
| 2 | Auburn | $1,408 |
| 3 | Tacoma | $1,399 |
| 4 | Kent | $1,391 |
| 5 | Renton | $1,389 |
| 6 | Lakewood | $1,378 |
| 7 | Shoreline | $1,366 |
| 8 | Seattle | $1,363 |
| 9 | South Hill | $1,314 |
| 10 | Redmond | $1,251 |
| 11 | Everett | $1,250 |
| 12 | Bellevue | $1,243 |
| 13 | Kirkland | $1,243 |
| 14 | Marysville | $1,221 |
| 15 | Sammamish | $1,196 |
| 16 | Vancouver | $1,146 |
| 17 | Lacey | $1,122 |
| 18 | Spokane | $1,104 |
| 19 | Olympia | $1,072 |
| 20 | Spokane Valley | $1,065 |
| Find the Best Rates Go | ||
Rate information is estimated as vehicle location can decrease or increase price quotes noticeably.
Insurance rate increases from tickets or accidents
The ideal way to snag the most affordable auto insurance premiums in Washington for teachers and educators is to be an attentive driver and avoid tickets and accidents. The information below shows how traffic citations and at-fault accidents increase auto insurance rates for different age groups of insureds. The prices are based on a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Washington per year with no accidents or violations is $1,467. Factor in two speeding tickets and the average cost jumps to $2,028, an increase of $561 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for teachers increases to an average of $2,587. That’s an increase of $1,120, or $93 per month, just for being a careless driver!
The illustration below illustrates how your deductible choice can impact insurance costs when getting quotes for cheap insurance for teachers. The premiums assume a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower their policy premium by $316 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $476 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices up to $808 or even more just by choosing higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Your low-price policy may be costing you money
Seattle, WA auto insurance rates are influenced by many factors that control the price of coverage. Getting older, getting married, or getting a speeding ticket can produce rate changes resulting in some companies being much cheaper than others. Not only may your risk profile change, but insurers file new Washington auto insurance rates as needed in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can cause higher prices, while a lower level of claims may cause lower-priced Seattle car insurance rates.
To help illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Seattle, WA for a 45-year-old male driver with no accidents, a clean driving record, and good credit. When comparing rates based on his personal profile, Capital might quote the lowest car insurance rates in Seattle at $1,062 a year. This is $350 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers round out the rest of the cheapest Seattle, WA auto insurance companies.
The example below compares rates after we give the driver from the above example an accident claim, a little lower credit rating, and a speeding citation. Due to the fact that every auto insurer has a unique approach for determining rates, analyzing rates may now present a different ranking of affordable companies as shown below.
Mutual Enumclaw now has the cheapest insurance rate in Seattle with California Casualty, USAA, Allied, and Grange also being competitive. This example proves why Seattle drivers need to perform an extensive rate comparison to find the cheapest car insurance rates for teachers.
Insurance rates are determined by many factors and can increase or decrease at any time, so the best company the last time you shopped around may now be priced much higher than other options.