Best Auto Insurance Rates in Bellevue, Washington

On average, your neighbors pay $73 a month.

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Over the course of 140 years, Bellevue, Washington, has grown into a global business center. Companies like Microsoft, T-Mobile, Expedia and other major companies currently call the city home.

Not only is Bellevue a flourishing business center, but it offers residents and visitors so much to do outside of work--from shopping and dining to various events and adventures.

Of course, it’s easier to enjoy all of those things if you aren’t paying an arm and a leg for car insurance.

Average Bellevue Car Insurance Rates

How much is car insurance in Bellevue, WA? Bellevue’s vehicle theft rate is among the highest in the nation. It’s even been named one of the 10 worst US cities for vehicle theft rates. Because of this, drivers here spend quite a bit of money on car insurance. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices will vary depending on your zip code and driving history.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Bellevue, Washington and save up to 40% on your premium.

Last year, 1,480 people used QuoteWizard to compare auto insurance quotes in Bellevue, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Bellevue, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Bellevue, Washington last year. Of its 1,480 drivers who used QuoteWizard to compare rates, only 70 were uninsured.

Top 10 Vehicles in Bellevue

These are the most common car makes and models owned by Bellevue, WA drivers who requested quotes through QuoteWizard last year.

  1. Honda Civic LX/EX/DX
  2. Honda Accord EX/LX/DX
  3. Toyota Prius
  4. Honda Civic
  5. Honda CR-V EX/LX
  6. Toyota Camry SE/LE/XLE
  7. Nissan Altima 2.5 S
  8. Lexus ES 350
  9. BMW 328I
  10. Toyota Sienna LE
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Minimum Car Insurance Requirements in Bellevue, WA

Bellevue, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Bellevue Drivers

According to a recent Allstate Insurance report on safe driving, Bellevue ranks 173rd out of 200 US cities in terms of driver safety. While most drivers in the US go 10 years without being involved in an accident, drivers here are involved in crashes every 7.1 years. That’s 41 percent higher than the national average.

Bellevue drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that can affect your insurance rates are weather and road conditions.

Weather

If you know anything about the Greater Seattle area, you know it rains a lot. Slick roads often bring traffic to a standstill. Fortunately, it rarely snows in Bellevue. Average annual snowfall is around 3.1 inches. In addition, the summers here are nice and mild. Residents can expect an average of 155 sunny days annually.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roads here are in poor condition—and that includes Bellevue. The poor condition of the city’s streets cost local drivers an additional $693 each year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Traffic in your city or town has a huge effect on your car insurance rates. Whether you’re traveling on I-405 or I-90, traffic in Bellevue can be a nightmare during rush hour.

Moving Violations

Moving violations such as speeding tickets, accidents, and drunk driving will add points to you driver's license and give you a bad driving record. If that happens you could be required to purchase high risk auto insurance. This will lead to much higher insurance rates.

Traffic Tickets

The King County District Court website allows residents to pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

Last year, the Bellevue Police Department's Traffic Motorcycle Unit issued 9,245 traffic citations.

DUI Arrests

Bellevue Police arrested 139 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you obtain an SR-22 form. Get a quote, and we'll connect you with local insurance agents from top insurance companies that specialize in Bellevue DUI insurance.

Traffic Fatalities

Bellevue officials reported 3,243 traffic collisions in 2016. 928 of these accidents resulted in minor injuries. 27 of them resulted in at least one serious injury. Five of the collisions resulted in fatalities.

Vehicle Theft Rates

Bellevue reported 310 motor vehicle thefts in 2016. That's a rate of 2.20 thefts per 1,000 residents—exactly the same as the national average of 2.20 per 1,000 people.

In addition, the National Insurance Crime Bureau (NICB) ranked the Greater Seattle area, which includes Bellevue, eighth in the nation for cities with the worst auto theft in 2014.

Car Insurance Discounts in Bellevue

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your rates. Below are some of the many auto insurance discounts available to drivers in Bellevue, WA depending on your carrier. To find out which discounts you may quality for, get a free quote.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  4. Drive less. Live close to work and get the low mileage discount
  5. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  7. Drivers 55 and older can get the senior discount or the 55 and retired discount
  8. Take a defensive driving course at an accredited driving safety school
  9. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  10. Shop around and compare low-cost Bellevue car insurance quotes to find all the discounts you may be missing out on

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