Bothell, WA Car Insurance

On average, Bothell drivers pay around $84 a month for their car insurance. To learn more about policy rates and coverage in the Bothell area, continue reading our guide below.
How much can residents of Bothell expect to pay for their car insurance? Are rates in Bothell higher or lower than those in neighboring areas? How do they compare to 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 Bothell?

Area Average Monthly Car Insurance Premium
Bothell$84
WA$75
United States$80

As you can see in the chart above, it is around $9 a month more expensive to insure your vehicle in Bothell than it is in the rest of Washington.

Drivers relocating the Bothell should take note of the differences in average rates. Coverage in Bothell is about $4 more expensive than it is for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 sweat it however, we've broken down average rates for Bothell residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$145
25-34$66
35-44$63
45-54Not Enough Data
55-64$55
65+$55

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. As you can see, 18-24-year-olds pay $90 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement age in Bothell.

Average Car Insurance Rates by Gender

Gender Average
Male$82
Female$87

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Bothell actually defies this trend. While female drivers pay $87 per month for auto insurance, males only pay about $82.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$208
1 Ticket$118
Multiple Tickets$237

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Bothell, a driving record with a single accident will usually get you a rate around $100 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $118.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$80
2-3 Years$64
4-5 Years$60
6-7 Years$96
8-10 Years$95
11-14 Years$81
15 Years or Older$84

The most affordable vehicles to insure in Bothell are typically SUVs, trucks, and vans, which run about $74 per month.

The bill for car owners, however, is about $89 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Bothell are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$95
Married$58
Divorced$70
Widowed$57

Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Bothell is about $37 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$99
Live with parents$139

One other element taken into consideration is your housing situation. Renters can expect to pay around $42 a month more than homeowners in Bothell. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Bothell, WA

Recent trends in car insurance for Bothell drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Bothell, the rates for auto insurance went up from 2016-2017, when they hit a high of $91, but started to turn downward from 2018-2019. They finished down in 2021, at $80.

How does Bothell compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Number of drivers in the region
  • Community laws
  • Rate of crime
  • Off-street parking availability
  • Frequency of car accidents

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bothell.

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Bothell Insurance FAQs

What factors affect car insurance quotes in Bothell?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Bothell?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bothell or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes