Average car insurance cost in Bellevue, WA

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Based on an analysis by Insure.com, the typical car insurance expense in Bellevue, Washington is $1,776 annually. Furthermore, car insurance premiums in Bellevue are $168 more than compared to the state average in Washington and $119 less than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Bellevue, the average car insurance rates by age and gender, and the costs in Bellevue based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Bellevue. Keep reading to learn more.

Cheap car insurance companies in Bellevue

Geico offers the cheapest car insurance in Bellevue, at an average of $1,189 per year with full coverage limits of 100/300/100.

The second cheapest company in Bellevue is PEMCO, offering car insurance rates at $1,534 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Bellevue before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Bellevue, Washington:

Read about the best car insurance companies.

Average car insurance cost in Bellevue by coverage limits

The average car insurance rates in Bellevue based on coverage types are as follows:

• State minimum coverage: $533 per year (limits are 25/50/25)
• Liability only coverage: $853 per year (limits are 50/100/50)
• Full coverage: $1,776 per year (limits are 100/300/100)
• Non-owners coverage: $421 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Bellevue

In Bellevue, Washington, the average annual car insurance premium for female drivers is $1,810 per year.

While the average annual cost for male drivers is $1,742 per year, which is $68 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Bellevue

Car insurance rates in Bellevue, are highest for teens at $6,020 per year or $502 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $2,788 annually for their car insurance, which is $3,232 less than what teens pay for their insurance coverage.

In Bellevue, adult drivers pay an average of $1,788 per year for car insurance, while senior drivers pay $1,910 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Bellevue

Examining the trends in car insurance rates in Bellevue, Washington it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 19%, or $280.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Bellevue, are higher than the average insurance cost in Washington. Shopping around and taking advantage of available discounts, drivers in Bellevue can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.