Cheap Car Insurance in Bellevue, WA

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Sep 13, 2021

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Looking for cheap auto insurance in Bellevue, WA? From, you will discover the best insurance premiums near you. To get free car insurance estimates offered by the top rated providers today, enter your local zipcode into the quote box on this site.

Bellevue is a large suburban satellite, sometimes referred to as a “boomburb”, of Seattle and located on the opposite side of Lake Washington. Its name comes from the French, meaning “Beautiful View”. Aside from natural aesthetics, Bellevue was recently voted one of the best places to live and start a business by CNN Money.

  • Fun fact: They sure do talk smart over in Bellevue, because the city is #37 on the list of “Top 100 best educated cities (highest percentage of bachelor degree holding residents) (pop. 50,000+)”. Intrigued by discovering more about Bellevue? Click here!

Auto Insurance Coverage Requirements in Washington

Driving legally in Bellevue requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Of course, you shouldn’t limit yourself to Liability coverage, especially if you have a newer or more expensive vehicle which you would like to protect. Collision coverage, for example, protects against body damage, and Comprehensive coverage protects against such things as vandalism and theft.

Washington car insurance can be expensive – sometimes costing a single driver more than $125 each month or more just to maintain coverage! However, you can lower that rate if you live in Bellevue. Does $37/mo* sound like a better rate to you?

Average Monthly Auto Insurance PremiumsLegend: Bellevue State Farm Farmers American Family Capital Allstate 5101520253035404550$26$32$37$38$52


It seems as though, among the major players, either Farmers or State Farm are charging the lowest rates right now. But a low rate doesn’t necessarily mean the best business. Check for customer reviews before you think about switching companies, and make sure they have a favorable customer service rating before you make any major changes.

Organizations which underwrite auto insurance coverage contemplate many factors when figuring out quotes, including gender, where you live, occupation, education, and theft protection devices. Additionally, premiums tend to differ amongst providers. To confirm you are currently receiving the lowest-cost available, do a comparison of cheap Bellevue auto insurance rates on the web.

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Major Car Insurance Factors in Bellevue

Any time your automobile insurance agency gets ready to write your policy, they take numerous specifics into mind. Some, for instance your car’s make/model or your precise location, can be improbable to alter. Here are some additional examples:

Your Zip Code

Automobile insurance providers have to know your location (or the places you are going to be driving a motor vehicle usually) in an effort to calculate the probability of an automobile accident. Everything boils down to a very simple notion: the larger the population, the greater number of vehicles you’ll encounter while driving, as well as the more opportunities you will have to hit or be crashed into by an additional vehicle. The populace of Bellevue is actually 133,992 and also the common household earnings are $92,942.

Auto Insurance by Zip CodeLegend: Bellevue Seattle Spokane Tacoma Vancouver State Farm Farmers American Family Capital Allstate 510152025303540455055$26$29$21$34$26$32$38$29$35$30$37$47$28$37$29$38$43$36$46$40$52$53$40$59$47


Automotive Accidents

In areas with relatively low levels of fatal accidents, Bellevue included, insurance companies usually offer lower rates automatically for all drivers in the specific area. But if you are concerned, or if you want to try to lower your rates further, you can ask and see if your clean driving record can get you a Safe Driver discount.

Fatal Accidents in Bellevue, WALegend: Bellevue Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 510494111


Auto Thefts in Bellevue

Auto theft can make it difficult to find the cheapest auto insurance if you are vulnerable to it. Several common car or truck models tend to be appealing to thieves, in addition to motor vehicles that are left often in big cities. The full amount of thieved vehicles in 2013 rose slightly to 248 within the city of Bellevue. Although still relatively low, the per capita rate is slightly high. This means that you might want to think about carrying some amount of Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage State Farm Farmers American Family Capital Allstate 102030405060708090$26$63$32$67$37$87$38$48$52$93


Your Credit Score

Are you concerned about your credit score? Well, even if you aren’t, your automotive insurance company is. For most providers in your area, the difference between Poor and Excellent credit (and the levels in between) is not too extreme. But watch out, because some providers will charge you a substantially higher rate for having a low credit score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm Farmers American Family Capital Allstate 102030405060$21$57$31$52$34$52$19$44$43$65


Your Age

In nearly every state, being under the age of 25 virtually guarantees that you will have a hefty vehicle insurance bill. If you are still in school, take advantage of all the discounts you can get for having good grades, or for taking driving education courses.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old State Farm Farmers American Family Capital Allstate 306090120150180210240270$26$115$32$209$37$277$38$116$52$161


Your Driving Record

If you have a clean record, that’s great! Your provider will also think so, and will likely give you lower rates each month. Having serious violations, such as DUIs, will raise your rates substantially. And if you are somewhere in the middle, with a speeding ticket or a fender-bender, you might be eligible for an Accident Forgiveness discount.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Farmers American Family Capital Allstate 10203040506070$26$30$30$33$32$73$73$60$37$76$76$54$38$42$42$33$52$71$71$73


Your Vehicle

The vehicle you drive (or, more specifically, the cost of said vehicle) will largely determine how much insurance coverage you will need to purchase. However much it will cost to replace or repair in the event of theft, a serious accident, or severe weather will outline the minimum amount of coverage you need to purchase, and you’ll likely work up from there.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Farmers American Family Capital Allstate 153045607590105120$26$83$32$86$37$128$38$109$52$97


Minor Car Insurance Factors in Bellevue

These factors can also influence your monthly rates, although maybe not as much (or in ways that are more difficult to calculate):

Your Marital Status

Married couples really should be bundling their car insurance policies together – if they aren’t already doing so, that is. You can get some pretty deep discounts by bundling your policies together with the same company.

Your Gender

Gender is one of the hardest factors to figure out these days – because as many different opinions as there are about which gender drives better, there are just as many different rules about how your insurance company may (or may not) charge you differently depending on such a minor characteristic.

Your Driving Distance to Work

Commuting in Bellevue may take a little longer than in your average city. Typical trips usually last between 15 and 20 minutes, but shorter trips of 10 minutes or longer trips lasting 25 minutes are also common. Less than 74% of motorists will be using their own truck or car in order to get to work, and 6% carpool.

Did you know that business vehicles cost anywhere from 11-13% more to insure? So, if possible, let your insurance company know that you’re only interested in using your vehicle for commuting to work, as opposed to using it as a work vehicle.

Your Coverage and Deductibles

Here’s a simple trick for lowering your monthly rate: raise your deductible. But make sure you put a little money aside first. Because if you suddenly find yourself needing to pay that deductible in order to get your vehicle back into working order, it might be too big of a financial burden.

Education in Bellevue, WA

A significant 35% of the Bellevue population has a bachelor’s degree hanging on their wall, while an additional 15% of residents have experienced at least one year or more of college. And if you aren’t in the majority of drivers who have an advanced degree, you might want to get there; because auto insurance providers love giving lower rates to motorists with degrees!

There are several colleges located within the Bellevue area as well as in nearby Seattle. Bellevue College offers many different bachelor’s degrees both from their own institution and in collaboration with WSU and the University of Washington. There is also the City University of Seattle, which offers a variety of degrees ranging from certificates to masters programs both online and through in-classroom participation.

You mustn’t enable a poor car insurance company to persuade you into investing in a car insurance policy which isn’t ideal for you. Of course, the amount of related information needed in order to approximate your own risk profile might be too much to handle, but comparison web sites such as this may help make your search easier. Simply just input just a few specifics below, and allow us to do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Office of the Insurance Commissioner – Washington State

Washington State Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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