Auto Insurance: Seattle Vs Portland, Who's Cheaper?

The cost of car insurance varies from state to state and even within states. In Washington, Seattle residents pay an average of $195 per month or $2,344 per year for car insurance, which is higher than the state average of $2,110 per year but still below the national average of $2,681. In Oregon, Portland residents pay an average of $1,894 per year for car insurance, which is 19% less than the national average.

Average car insurance costs in Seattle and Portland

The cost of car insurance varies across the United States, with the national average rate for full coverage car insurance being $1,895. The state in which you live is one of the biggest factors influencing the price of your auto insurance premium.

Average Car Insurance Costs in Seattle

In Seattle, the average cost of car insurance is $195 per month or $2,344 per year. This is higher than the Washington state average of $2,110 per year, but still below the national average rate of $2,681.

Average Car Insurance Costs in Portland

In Portland, the average cost of car insurance is $1,244 per year. This is well below the national average and also lower than the state of Oregon's average of $1,894 per year.

Factors Affecting Car Insurance Costs

Car insurance rates are determined by a number of factors, including driving record, age, gender, location, credit score, and the type of vehicle driven. Location is a significant factor, as insurance companies take into account local crime rates, accident rates, weather conditions, and population density when calculating premiums.

Cheapest car insurance companies in Seattle and Portland

Auto insurance rates vary depending on location, and several other factors. In Seattle, Washington, the average annual rate for full-coverage car insurance is $1,973. In Portland, Oregon, the average annual rate is $1,785.

Cheapest Car Insurance Companies in Seattle

The cheapest car insurance companies in Seattle, based on average rates for a 35-year-old driver with good credit and a clean driving record, are:

• Grange Insurance Association
• USAA (only available to military, veterans, and their families)

The cheapest car insurance companies in Seattle for drivers with poor credit are:

• Grange Insurance Association
• USAA (only available to military, veterans, and their families)

The cheapest car insurance companies in Seattle for young drivers are:

• Mutual of Enumclaw
• Geico
• USAA (only available to military, veterans, and their families)

The cheapest car insurance companies in Seattle for drivers with a DUI are:

• Grange Insurance Association
• USAA (only available to military, veterans, and their families)

The cheapest car insurance companies in Seattle for drivers with an at-fault accident are:

• Grange Insurance Association
• USAA (only available to military, veterans, and their families)

The cheapest car insurance companies in Seattle for drivers with a speeding ticket are:

• Grange Insurance Association
• USAA (only available to military, veterans, and their families)

Cheapest Car Insurance Companies in Portland

The cheapest car insurance company in Portland, Oregon, is State Farm, which offers an average rate of $93 per year for full-coverage car insurance. The second cheapest option is Country Financial, at $136 per month.

The cheapest car insurance companies in Portland for young drivers are:

• Country Financial
• State Farm

The cheapest car insurance company in Portland for drivers with a speeding ticket is State Farm.

The cheapest car insurance company in Portland for drivers after an accident is State Farm.

The cheapest car insurance company in Portland for drivers with a DUI is State Farm.

The cheapest car insurance company in Portland for married drivers is State Farm.

The cheapest car insurance company in Portland for drivers with poor credit is State Farm.

Car insurance costs in both cities for young drivers

The cost of car insurance for young drivers varies depending on location, with factors such as population density, accident rates, and crime rates influencing the price. In general, young drivers pay much more for car insurance than older drivers, as they are considered high-risk due to their lack of driving experience.

Car Insurance Costs in Seattle for Young Drivers

In Seattle, young drivers can find the lowest insurance rates with Mutual of Enumclaw and Geico. The average cost of a full-coverage policy for a young driver in Seattle is nearly four times higher than the average price of a full policy for a 30-year-old driver. Mutual of Enumclaw offers the cheapest full-coverage car insurance in the city, at $1,471 per year. Geico is the second-cheapest option, with an average annual rate of $1,607.

Car Insurance Costs in Portland for Young Drivers

In Portland, Oregon, the average car insurance cost is $1,538 per year, or $128 per month. Geico offers the cheapest car insurance in Portland, at an average of $1,031 per year. Young adults in Portland pay $2,644 per year for car insurance, while teens pay $5,871 per year.

Comparing Car Insurance Costs in Seattle and Portland for Young Drivers

While there is no direct comparison of car insurance costs for young drivers in Seattle and Portland, we can infer that car insurance for young drivers in Seattle is more expensive than in Portland. This is based on the information that the average cost of car insurance in Portland is $1,538 per year, while in Seattle, the cheapest full-coverage policy for young drivers is $1,471 per year. It is important to note that car insurance rates can vary depending on individual factors such as age, driving record, and credit score.

Car insurance costs in both cities for drivers with poor credit scores

While car insurance rates are determined by various factors, including age, gender, location, driving record, and credit score, drivers with poor credit scores will generally pay higher premiums. This is because insurance companies consider individuals with poor credit scores to be at a higher risk of filing claims. Let's take a closer look at the costs of car insurance in Seattle and Portland for drivers with poor credit.

Car Insurance Costs in Seattle for Drivers with Poor Credit Scores

In Seattle, Washington, the average annual cost of car insurance is around $1,973. However, for drivers with poor credit scores, the rates can be significantly higher. Washington insurers use a credit-based insurance score to assess the likelihood of a driver filing a claim. While specific rates will vary depending on the insurance company and the individual's circumstances, it is safe to assume that a poor credit score will result in higher premiums.

Car Insurance Costs in Portland for Drivers with Poor Credit Scores

In Portland, Oregon, the average cost of car insurance is slightly lower than in Seattle, with drivers paying around $1,747 per year. Similar to Seattle, Portland drivers with poor credit scores will likely face higher premiums. The impact of a poor credit score on insurance rates can be substantial, often resulting in hundreds of dollars of additional costs per year.

Comparison between Seattle and Portland

When comparing Seattle and Portland in terms of car insurance costs for drivers with poor credit scores, it is important to consider the average rates in each city. Seattle has a higher average annual cost of $1,973, while Portland's average is $1,747. This indicates that, on average, car insurance in Portland may be more affordable for drivers with poor credit scores. However, it is essential to remember that insurance rates are highly individualized, and other factors can also influence the final premium.

Car insurance costs in both cities for drivers with a history of accidents

Car insurance rates vary across the United States, and several factors determine the cost of insurance in a particular state or city. These factors include driving record, age, gender, location, credit score, and the type of vehicle.

Car Insurance Costs in Seattle, Washington

In Seattle, the average annual rate for car insurance is $1,665, which is higher than the state average of $1,368 and the national average of $1,548. The cost of car insurance in Seattle depends on the insurance company, age, gender, and marital status of the driver, as well as their driving record.

For minimum coverage, the average annual rate in Seattle is $614, while full coverage costs $1,353 per year. The cheapest insurers in Seattle for minimum coverage are Progressive ($58 per month) and Mutual of Enumclaw ($123 per month). For full coverage, Mutual of Enumclaw ($1,471 per year) and GEICO ($1,607 per year) are the most affordable options.

Drivers with a history of accidents will typically see an increase in their insurance rates. In Seattle, Mutual of Enumclaw and State Farm had the lowest rate increases following an accident. On average, drivers in Seattle who get into an at-fault accident with more than $2,000 in damages pay $2,472 per year for car insurance.

Car Insurance Costs in Portland, Oregon

Portland, Oregon, has an average car insurance rate of $1,244 per year. The cheapest car insurance companies in Portland for minimum coverage are State Farm, Auto-Owners, and Geico, with average monthly rates of $37, $42, and $43, respectively. For full coverage, the most affordable options are State Farm, Progressive, and Allstate, with average annual rates of $1,140, $1,223, and $1,245, respectively.

Like in Seattle, drivers in Portland with a history of accidents will experience higher insurance rates. The exact increase will depend on the insurance company and the severity of the accident.

Comparison between Seattle and Portland

Overall, car insurance in Seattle is more expensive than in Portland. This is due to several factors, including the higher population and accident rates in Seattle. The cost of car insurance also varies within each city, depending on the ZIP code and neighborhood.

In summary, drivers with a history of accidents in either Seattle or Portland will generally pay higher insurance rates. The specific cost will depend on the insurance company, the driver's age and gender, the neighborhood they live in, and the severity of the accidents. Comparing quotes from multiple insurance companies is essential to finding the most affordable option.

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