Bellevue, WA Car Insurance

Explore ways to save on auto insurance and average rates in Bellevue, Washington.

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How much does car insurance cost in Bellevue?

 

The average cost of car insurance in Bellevue, Washington, is $1,493 per year. That's greater than than the average across Washington ($1,368) and cheaper than the national average of $1,548. Our guide to Bellevue auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
BELLEVUE AUTO INSURANCE RATES
Bellevue Average (annual)Washington AverageUnited States Average
$1,493$1,368$1,548
 
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Bellevue car insurance rates by insurer

 

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. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
BELLEVUE CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
USAA$973
PEMCO Insurance$1,009
State Farm$1,352
Progressive$1,432
Allstate$1,935
 

Check out our guide to learn how to find the best cheap car insurance.

 

Bellevue auto insurance rates by age

Bellevue drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,315 per year, on average. Those in their 60s don't pay significantly more ($1,372).

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 PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teens$6,735
20s$2,023
30s$1,460
40s$1,378
50s$1,315
60s$1,372
70s$1,766
 

Learn more about how age influences auto insurance rates.

 

Bellevue auto insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Bellevue pay $70 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Bellevue, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Bellevue, female drivers pay more for auto insurance than do male drivers: $37 per year, to be precise.

 
BELLEVUE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,530
Male$1,493
Single$1,423
Married$1,423
Divorced$1,493
Widowed$1,468
 

Learn more about how gender and marital status have on car insurance rates.

 

Bellevue auto insurance costs by violation history

 

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 CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$2,169
Reckless Driving$2,138
At-fault Accident (damages less than $1,000)$2,054
At-fault Accident (damages greater than $2,000)$2,227
Speeding Ticket (16-20 mph over speed limit)$1,826
 

Get more info on how a bad driving history can impact your car insurance costs.

 

Bellevue car insurance premiums 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 $1,168 in savings on insurance each year.

 
BELLEVUE CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$2,994
Fair$1,826
Good$1,493
Very Good$1,341
Exceptional$1,188
 

Get additional information on how credit impacts car insurance costs.

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.