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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 Average||United States Average|
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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 look at quotes specific to your unique driving profile.
BELLEVUE CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
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 bracket||Average Annual Rate|
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 Status||Average Annual Rate|
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
|Violation||Average Yearly Rate|
|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|
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 Tier||Average Annual Rate|
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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 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.