Bellingham, WA Car Insurance

Bellingham drivers pay, on average, around $63 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Bellingham expect to pay for their car insurance? Compared to their surrounding area, how do rates in Bellingham stack up? What about against the rest of Washington? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Bellingham?

Area Average Monthly Car Insurance Premium
Bellingham$63
WA$75
United States$80

Based on the chart above, you can see that coverage in Bellingham typically costs about $12 a month less than it does in the rest of Washington.

Similarly, car insurance rates in Bellingham are often favorable when viewed against the rest of the country. The average monthly payment in Bellingham is about $17 less than the rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Bellingham, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for 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.

Don't sweat it however, we've broken down average rates for Bellingham residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$55
35-44$52
45-54$48
55-64$54
65+$40

More time behind the wheel makes you a more experienced driver. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Bellingham.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$58

In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Bellingham totals about $9 a month. As you can see in the chart above, car insurance for women in the area typically costs around $58 each month, while men pay $67 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$93
1 Ticket$96
Multiple Tickets$98

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Bellingham, a driving record with one accident will usually get you a rate around $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $96.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$47
4-5 Years$42
6-7 Years$59
8-10 Years$59
11-14 Years$71
15 Years or Older$64

If you look at the first table above, you'll see that SUVs, trucks, and vans are typically the cheapest vehicles to insure in Bellingham, with drivers paying around $59 per month for auto insurance coverage.

The bill for car owners, on the other hand, is closer to $65 per month.

The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Bellingham, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$48
Divorced$49
Widowed$60

On average, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bellingham as well, where the difference is around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$69
Live with parents$95

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $19 a month more than those who own their own home in Bellingham. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Bellingham, WA

Recent trends in car insurance for Bellingham drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

In Bellingham, auto insurance rates rose from 2016-2017, before leveling out in 2018. Car insurance rates went up again, reaching a high of $71 in 2020, and finished down at $61 in 2021.

How does Bellingham compare to neighboring areas?

Why are car insurance rates in Bellingham different from other areas?

There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Local laws
  • Rate of crime
  • Road Safety (frequency of car accidents)
  • Total number of drivers in the area
  • Off-street parking availability

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Bellingham?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies in Bellingham.

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Bellingham Insurance FAQs

What factors affect car insurance quotes in Bellingham?

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, marital status, and address.

Why is the cost of car insurance in Bellingham different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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 Bellingham?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bellingham?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bellingham or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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