Estimates, not quotes

SR-22 insurance in Seattle, WA

What an SR-22 costs in Seattle, how Washington handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Seattle

For comparison, a clean-record driver in their 30s pays about $675 for minimum coverage and $1,580 for full coverage in Seattle by our estimate.

SR-22 insurance — estimated annual premium in Seattle
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$850$1,950+26%
After an at-fault accident$1,005$2,315+49%
After a DUI$1,275$2,945+89%

Washington rules that apply

Washington uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 3 years. When eligible to reinstate a suspended license, drivers must keep an SR-22 on file for three years from the reinstatement eligibility date.

Any policy you buy must meet Washington's minimum of 25/50/10 liability coverage.

All Washington car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Seattle

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Insurance offices in Seattle

There are 70 insurance offices listed near Seattle. See the full list with directions on the Seattle car insurance page.

  • Grange Insurance Association 200 Cedar Street
  • American Family Insurance
  • Greg Nunn - State Farm 200 Roy St
  • Chris Elliott - Farmers Insurance 1200 Westlake Ave N
  • Pemco Insurance 325 Eastlake Avenue East
  • Global Marine Insurance Sales
  • Karrie Dubose - State Farm 1818 Westlake Ave N
  • Allstate 821 East Thomas Street
  • Alexandre Lamberg - Farmers Insurance 2130 Westlake Ave N
  • Chuck McFarland - State Farm 607 W McGraw St
  • Jeremy Olson - Allstate 505 1st Ave S
  • Ezra Teshome - State Farm 1510 14th Avenue

Frequently asked questions

How much does SR-22 insurance cost in Seattle?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $1,275 a year for minimum coverage after a DUI in Seattle, and $1,005 after an at-fault accident.

How long do you need an SR-22 in Washington?

Typically about 3 years from the date required, but the court or DMV order sets the exact period. When eligible to reinstate a suspended license, drivers must keep an SR-22 on file for three years from the reinstatement eligibility date.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page