Best Auto Insurance Rates in Bothell, Washington

On average, your neighbors pay $73 a month.

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Bothell, Washington, is a bustling, growing city with an estimated population of 44,546. Its perfect location makes it quite the tourist attraction. Visitors and residents alike can take in the city’s Garden Show, Freedom Festival, and Riverfest.

With so many people coming and going, Bothell sees a lot of through traffic. That can cause many headaches. It also can cause a spike in car insurance rates. To keep your premiums from going through the roof, shop around for cheap rates.

Average Bothell Car Insurance Rates

How much is car insurance in Bothell, WA? Rates here can be expensive. Many local drivers pay much higher rates than the state and national average. The average cost of auto insurance in Washington is $884.24 per year. The national average cost is $889.01.

Prices will vary depending on your age, gender, zip code, driving history and the number of points on your driver's license.

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 Bothell, Washington and save up to 40% on your premium.

Last year, nearly 1,200 people used QuoteWizard to compare car insurance quotes in Bothell, WA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Bothell, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Bothell, Washington last year. Of the 1,199 drivers who used QuoteWizard to find rates, only 48 were uninsured.

Top 10 Vehicles

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

  1. Honda Accord EX/LX/DX
  2. Toyota Prius
  3. Honda CR-V EX
  4. Ford F150
  5. Ford Mustang
  6. Acura MDX
  7. Honda Civic DX/EX
  8. Chevrolet C1500 Silverado
  9. Lexus RX 350
  10. /Hyundai Sonata SE/Limited
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Auto Insurance Requirements in Bothell, WA

Bothell, 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 carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence insurance rates.

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The climate in Bothell is much like the rest of the Seattle metropolitan area. Short, warm summers and mild winters. Residents experience an average of 151 sunny days each year. In addition, with temperatures can hit 80 degrees in summer. It rains often in this region, with 158 of 365 days seeing measureable precipitation. On average, Bothell receives around 40 inches of rain and five inches of snow annually.

Road Conditions

Road conditions in the Greater Seattle area are a big problem for residents. According to TRIP, 42% of the major roads in this region are in poor condition. The poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

The good news here: road conditions in Bothell are above average. On a scale from zero to 100, the city's Pavement Condition Index is a 69. Three-fifths of Bothell's streets are either in very good or excellent condition. Still, 10 percent of its roadways are in very poor condition, which can increase vehicle operating costs.

Traffic Congestion

Traffic in your city or town can have a huge effect on your car insurance rates. Bothell is no stranger to traffic congestion. After all, it’s located 30 minutes away from Seattle, the fourth most congested city in the US. Many residents that travel out of Bothell for work take 1-405, which has seen more congestion since WSDOT put in new express lanes.

Moving Violations

Traffic citations like speeding tickets and accidents will add points to your driver's license and give you a bad driving record. Drivers that get too many tickets may be put into the high-risk category. This can have a dramatic impact on your rates.

Traffic Tickets

The Bothell Municipal 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.

DUI Arrests

Bothell Police arrested 74 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

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

DWI Crashes and Injuries

Bothell reported 48 crashes involving alcohol or drugs in 2018. These accidents caused eightinjuries but no fatalities.

Car Accident Statistics

Bothell officials reported 1,037 car crashes in 2018. These crashes resulted in 68 injuries, six of them serious.

Traffic Fatalities

Bothell Police reported one fatal collisions in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 45,533 Bothell, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Bothell reported 106 motor vehicle thefts in 2017. That's a rate of 2.33 per 1,000 residents—slightly below the national average of 2.37 per 1,000 people.

Car Insurance Discounts in Bothell

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your monthly insurance bill. These are some of the many auto insurance discounts available to drivers in Bothell, WA.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 20% on your premium
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. 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
  5. Are you married or getting married soon? Some insurers offer a discount to married couples
  6. Maintain at least a B grade point average in school to qualify for the good student discount

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