Compare Bellevue, WA Car Insurance Rates (2021)

Bellevue, Washington residents pay $281 per month or $3,376 annually on average for car insurance. The cheapest Bellevue, WA car insurance is from USAA; however, only military personnel can purchase USAA policies. Nationwide is the next most affordable Bellevue, WA car insurance company and is available to everyone. Bellevue residents must carry the Washington legal minimum auto insurance limits of 25/50/10 for liability coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2021

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Here's What You Need to Know

  • The cheapest Bellevue, WA car insurance company is USAA, followed by Nationwide
  • Overflow traffic from the nearby city of Seattle impacts your Bellevue, WA car insurance rates
  • Average rates for car insurance in Bellevue is cheaper than in Seattle and Tacoma

Bellevue, Washington car insurance costs are cheaper on average than other major Washington cities, including Seattle and Tacoma. The average Bellevue, WA car insurance rates are $281 per month or $3,376 annually.

Fortunately, by comparing rates online and shopping around, you can secure cheap car insurance premiums.

Below, see actual prices from the top insurance companies in Bellevue, and discover how to get affordable Bellevue, WA car insurance regardless of your age, driving record, and coverage needs.

Monthly Bellevue, WA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Bellevue, Washington auto insurance rates by ZIP Code below:

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Bellevue, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Bellevue, Washington stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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When you’re ready to buy Bellevue, WA car insurance, enter your ZIP code into our free quote tool above and immediately compare rates from reputable companies near you.

What is the cheapest car insurance company in Bellevue, WA?

USAA is the cheapest Bellevue, WA car insurance company, but only military personnel and their families can use its services.

Nationwide is the next most affordable provider in Bellevue and is available to everyone.

Which Bellevue, WA car insurance company has the best rates? And how do those rates compare against the average Washington car insurance company rates? We’ve got the answers below.

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Below, see a list of the best car insurance companies in Bellevue organized from least expensive annual rates to most expensive:

  • USAA – $2,440.72
  • Nationwide – $2,458.19
  • GEICO – $2,836.25
  • State Farm – $2,945.05
  • Farmers – $3,296.44
  • Progressive – $3,659.73
  • Allstate – $4,017.37
  • Liberty Mutual – $4,353.62
  • American Family – $4,381.95

Many different factors influence your car insurance rates. Your age, driving record, the part of the city you live in, and the coverage you require all impact your premiums.

Bellevue, WA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Bellevue car insurance rates. Find the cheapest Bellevue, WA car insurance rates by coverage level below:

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Your credit score will play a significant role in your Bellevue car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Bellevue, WA car insurance rates by credit score below.

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Your driving record will play a major role in your Bellevue car insurance rates. For example, other factors aside, a Bellevue, WA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Bellevue, WA car insurance rates by driving record.

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Factors affecting car insurance rates in Bellevue, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Bellevue,Washington car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. WA does use gender, so check out the average monthly car insurance rates by age and gender in Bellevue, WA.

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What car insurance coverage is required in Bellevue, WA?

All Bellevue residents must purchase at least the Washington state legal car insurance minimums.

Washington legally requires drivers to carry the following limits:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $10,000 in property damage liability coverage

Washington is an at-fault or tort state. If you cause an accident, you must use your liability car insurance coverage to pay for the damages to the other party involved.

Experts recommend that you carry more than your state minimum requirements for better coverage.

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What affects car insurance rates in Bellevue, WA?

Bellevue is a bustling city located only nine miles from Seattle. The overflow traffic can lead to higher car insurance rates.

According to the INRIX traffic report, Seattle is the 15th most congested city in America. The congestion also impacts Bellevue drivers.

City-Data reports that the average commute time for Bellevue residents is 22.5 minutes.

Vehicle theft rates also influence car insurance costs in your city. The Federal Bureau of Investigation (FBI) recorded 309 motor vehicle thefts in 2017 in Bellevue. That’s a rate of 215 thefts per every 100,000 people.

The often rainy Bellevue, WA weather can also cause costs to increase. Wet road conditions lead to more traffic incidents.

Bellevue, WA Car Insurance: The Bottom Line

Fortunately, Bellevue car insurance rates are not the highest in Washington. For example, Seattle car insurance costs tend to be the most expensive, depending on the ZIP code.

By researching companies ahead of time, seeking out car insurance discounts, and comparing rates online, you’ll easily be able to secure cheap Bellevue, WA car insurance quotes.

Enter your ZIP code into our free quote tool below to receive rates from the top Bellevue, WA car insurance companies right now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State
Monthly Bellevue, WA Car Insurance Rates by ZIP Code
Bellevue, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Bellevue, WA Car Insurance Rates by Company vs. City Average
Bellevue, WA Car Insurance Rates by Company and Age
The Cheapest Bellevue, WA Car Insurance Rates by Coverage Level
The Cheapest Bellevue, WA Car Insurance Rates by Credit Score
The Cheapest Bellevue, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Bellevue, WA
Average Monthly Car Insurance Rates by Age & Gender in Bellevue, WA
Monthly Bellevue, WA Car Insurance Rates by ZIP Code
Bellevue, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Bellevue, WA Car Insurance Rates by Company vs. City Average
Bellevue, WA Car Insurance Rates by Company and Age
The Cheapest Bellevue, WA Car Insurance Rates by Coverage Level
The Cheapest Bellevue, WA Car Insurance Rates by Credit Score
The Cheapest Bellevue, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Bellevue, WA
Average Monthly Car Insurance Rates by Age & Gender in Bellevue, WA