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How much is car insurance in Bothell?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Bothell are about $9 a month more expensive than the rest of Washington.
Likewise, drivers in Bothell may pay higher rates than the rest of the country. It's about $4 more expensive for coverage in Bothell than the average rates for the U.S. as a whole.
Although these are the average rates for auto insurance in Bothell, it's important to remember that you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Bothell to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may creep back up in Bothell.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Bothell is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Bothell, a driving record with a single accident will usually get you a rate around $101 a month. Likewise, drivers with one ticket will be looking at a rate of around $88 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$86|
The cheapest vehicles to insure in Bothell are usually SUVs, trucks, and vans, with each type typically costing about $75 per month.
The bill for car owners, however, is about $89 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Bothell, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Bothell can be as much as $35 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $37 a month more than if you own your own home in Bothell. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Bothell, WA
Recent trends in car insurance for Bothell drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Bothell, auto insurance rates declined from 2017-2019, before steadying out in 2020. Car insurance rates have been decreasing again recently, and were down to $74 in 2022.
How does Bothell compare to neighboring areas?
Why are car insurance rates in Bothell different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around where you call home. These factors include things like:
- Area regulations
- General road safety (how many accidents each locality has)
- Rate of crime
- Total amount of drivers in the community
- Off-street parking access
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 Bothell?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing plans in Bothell.
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Bothell Insurance FAQs
What factors affect car insurance quotes in Bothell?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bothell different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bothell?
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 Bothell?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bothell or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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