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How much is car insurance in Bellevue?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Bellevue is about $6 cheaper than it is in the rest of Washington.
Similarly, car insurance rates in Bellevue are often favorable when viewed against the rest of the country. You can expect to pay about $11 less for your policy in Bellevue than in the rest of U.S.
These rates may be the average amount Bellevue drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Bellevue and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement in Bellevue.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Bellevue, male drivers pay about $6 more a month. As you can see in the table above, female drivers in the area typically pay $66 on average, while female drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay a lot less than those with infractions. The rate for drivers in Bellevue with a single accident on their record is about $99 a month. Likewise, drivers with one ticket will be looking at a rate of around $106 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$76|
The cheapest vehicles to insure in Bellevue are usually SUVs, with each type typically costing about $59 per month.
Car owners will see rates of about $73, while truck and van owners by and large pay around $85 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Bellevue, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
On average, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Bellevue is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Bellevue. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bellevue, WA
Recent trends in car insurance for Bellevue drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Car insurance rates in Bellevue had been decreasing from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $70.
How does Bellevue compare to neighboring areas?
Why are car insurance rates in Bellevue different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Area crime rates
- Access to off-street parking
- General road safety (how many accidents each locality has)
- Total number of drivers in the area
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bellevue?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bellevue.
Bellevue Insurance FAQs
What factors affect car insurance quotes in Bellevue?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Bellevue different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bellevue?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bellevue?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bellevue or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.