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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in Bellevue?

The average cost of car insurance in Bellevue is $746 per six-months. That's greater than than the average across Washington ($684) and cheaper than the national average of $880. Our guide to Bellevue auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

Car insurance in Bellevue vs. Washington Average 6 Mo. Premium
Bellevue average $746
Washington average $684

The Zebra's key takeaways about car insurance in Bellevue:

  • The average cost of a car insurance policy in Bellevue is $746 per six-month policy — $124 per month.
  • The cheapest company in Bellevue is USAA ($486).
  • 32% of Zebra customers in Bellevue stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Bellevue car insurance rates by company

One of the most important determinants of your car insurance rates is the insurance company you work with. In Bellevue, USAA offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Bellevue below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Bellevue, WA
Company Avg. 6 Mo. Premium
USAA $486
PEMCO Insurance $504
State Farm $676
Progressive $716
Allstate $967

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Bellevue.

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Bellevue auto insurance rates by age

Our data tells us that drivers between the ages of 30-39 make up 41% of Bellevue drivers. Bellevue drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $657 per six-month, on average. Those in their 60s don't pay significantly more ($686).

The Bellevue drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Bellevue is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Bellevue is $4,712, the largest such difference between any two age groups.

Bellevue auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teens $3,367
20s $1,011
30s $730
40s $689
50s $657
60s $686
70s $883

Bellevue car insurance rates by credit score

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Bellevue drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Bellevue, moving into the "Fair" credit tier corresponds to an average of $584 in savings on insurance each six-months. Our data tells us 53% of drivers in Bellevue have a credit score of excellent (720+). 

credit score
Bellevue auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,497
Fair $913
Good $746
Very Good $670
Exceptional $594

Bellevue car insurance rates by violation

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Bellevue, a reckless driving citation results in an average insurance rate increase of $645 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $676 increase, and a speeding ticket triggers a $333 rate hike.

Bellevue auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,084
Reckless Driving $1,069
At-fault Accident (damages less than $1,000) $1,027
At-fault Accident (damages greater than $2,000) $1,113
Speeding Ticket (16-20 mph over speed limit) $913

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.