The best car insurance in Bellevue, WA

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 10, 2021

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The average cost of a full coverage insurance policy in Bellevue is $1,897 per year. Compared to the Washington state average of $1,651, Bellevue residents pay nearly $250 more for the same coverage. However, car insurance rates are different and very from driver to driver and company to company.

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Policygenius can help you see quotes from top car insurance companies so you can be sure you’re finding the best coverage for you and your budget.

Key Takeaways

  • USAA Insurance has the cheapest average rates in Bellevue at $1,100 per year for full coverage

  • Drivers insured with State Farm could see their insurance rates go up by $160 or more with one speeding ticket

  • The minimum car insurance requirements in Washington are $25,000 per person/$50,000 per accident in bodily injury liability and $10,000 in property damage liability

Cheapest car insurance companies in Bellevue, WA

Insurance companies use the same information to establish insurance rates, but each company differs in how it applies your data, which is why rates can vary so much from one company to another.

Company

Average cost

JD Power Rating

USAA

$1,100

890

PEMCO Insurance

$1,264

--

State Farm

$1,321

881

GEICO

$1,326

871

Nationwide

$1,379

876

Cheapest car insurance rates by ZIP code in Bellevue, WA

If you live in a neighborhood with a higher crime rate or busy streets, you’ll probably pay more for car insurance. Insurers look at the number of accidents, reports of stolen vehicles, even whether or not there’s available parking in a given neighborhood.

ZIP code

Average cost

98004

$1,875

98005

$1,860

98006

$1,898

98007

$1,933

98008

$1,919

Choosing the right car insurance company in Bellevue, WA

Shopping for car insurance doesn’t need to be complicated — you’ll want to consider cost, but make sure you’re also getting enough coverage to be fully protected in case of an accident. You should also consider things like claims satisfaction ratings and coverage options — if you’re planning on bundling your home, auto and boat policies, make sure you’re choosing a company that offers all three types of insurance.

Policygenius can help you see options from top insurance companies, so you can be sure you’re choosing the best option.

Car insurance rates for drivers with driving violations in Bellevue, WA

A single speeding ticket can raise your car insurance rates by hundreds of dollars depending on your insurer. For drivers caught driving under the influence, insurance rates can double or even triple.

Violation

USAA

PEMCO Insurance

State Farm

GEICO

Nationwide

At-fault Accident

$1,591

$1,599

$1,618

$2,227

$2,398

DUI

$2,405

$1,858

$1,483

$2,197

$3,029

Driving with a suspended license

$2,266

$1,735

$1,483

$2,453

$3,029

Driving with an open container

$1,699

$1,735

$1,483

$2,197

$1,884

Driving with expired registration

$1,354

$1,263

$1,483

$1,819

$1,884

Driving without Lights

$1,149

$1,476

$1,483

$1,819

$3,029

Failure to show documents

$1,149

$1,476

$1,483

$1,819

$1,884

Failure to stop at a red light

$1,354

$1,476

$1,483

$1,819

$1,884

Cheapest car insurance for drivers with bad credit in Bellevue, WA

Until recently, Washington allowed insurers to use your credit score to determine your car insurance rates. However, the state issued an emergency rule in 2021 to ban the use of credit scores to set rates for home, auto, and renters insurance policies, so drivers with poor credit may see changes to their rates when their policy renews under the new guidelines.

In the meantime, the rates for drivers with bad credit are in the table below:

Company

Rates for drivers with bad credit

USAA

$1,149

State Farm

$1,348

Progressive

$1,412

GEICO

$1,497

Travelers

$1,814

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Buying car insurance in Bellevue, WA

Washington state requires all drivers to have a minimum amount of car insurance. The Washington state minimum insurance requirements are:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $10,000

  • Have a liability bond of at least $60,000

  • Apply for a certificate of deposit to guarantee financial responsibility for an accident with the state’s Department of Licensing

The minimum insurance requirements in Washington are low and won’t be enough protection for most drivers. Generally, it’s best to set your liability limits as high as you can reasonably afford, to make sure you’re protected in case the worst happens.

Washington is an at-fault state when it comes to car accidents. That means that the insurance company of the at-fault driver is responsible for paying for the other driver’s medical expenses and repair bills after an accident.

The state also follows a modified comparative negligence rule, which means if more than one driver is responsible for an accident, their claims will be reduced accordingly.

How to get cheap car insurance in Bellevue, WA

Insurance companies offer customers discounts that can help you save money on car insurance. Here are some of the most common:

  • Bundling discount: For combining policies such as home, car, and renters insurance with the same company.

  • Low mileage discount: For drivers who commute fewer than 7,500 miles annually.

  • Military discount: A discount for active-duty military personnel and their families

  • Safe-driver discount: For drivers without any accident claims during a given timeframe 

Not everyone will qualify for these discounts, so comparing quotes is another way to save on car insurance.

Frequently asked questions

I’m single but getting married soon, will my rates go up?

Insurance providers see married couples as more stable and less likely to file accident claims, so your rates could go down once you get married, but probably not by a lot.

On my next birthday, I’ll be 22, will my insurance rates go down?

Insurance rates for young drivers typically decrease at age 25, so you’ll likely not see a significant price drop in your rates for a few more years. However, if you’ve received tickets or been in an accident, your rates might not go down at all.

I got a warning for driving over the speed limit, will my insurance go up?

Your rates will probably not go up if you receive a warning. However, a single speeding ticket can raise your rates by more than $160 with some companies.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.