Bremerton, WA Car Insurance

What rates should residents of Bremerton expect to pay for their car insurance? How do rates in Bremerton measure up compared to neighboring areas, including Washington as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Bremerton?

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Bremerton than it is in the rest of Washington.

Compared to the rest of the country, auto insurance in Bremerton is more affordable. The average monthly payment in Bremerton is about $15 less than the rate for the rest of the United States.

These rates may be the average amount Bremerton residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Bremerton to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

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 premiums. According to the table above, you can see that 18-24-year-olds pay $50 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up in Bremerton.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. The price for auto insurance in Bremerton, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Bremerton with a single accident will pay around $73 a month. Similarly, drivers with one ticket will typically pay around $81 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Bremerton are by and large trucks and vans, at $55 per month.

Car owners, on the other hand, typically pay around $68 per month, while SUV drivers can expect to pay about $72 a month for auto insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Bremerton, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

While married drivers normally pay less for auto insurance than single drivers, Bremerton bucks this trend as both groups pay around the same rate for coverage.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than drivers who own property in Bremerton. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Bremerton, WA

Recent trends in car insurance for Bremerton drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The cost of auto insurance in Bremerton declined from 2017-2018, where it hit a low of $58, before steadying out in 2019. Since 2021, insurance rates have once again been decreasing and reached $60 in 2022.

How does Bremerton compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

• Access to off-street parking
• Crime rates
• General road safety (how many accidents each locality has)
• Amount of drivers
• Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Bremerton?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Bremerton.

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Bremerton Insurance FAQs

What factors affect car insurance quotes in Bremerton?

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 gender and age, as well as your address, driving record, credit score, and marital status.

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

Parking situations, local laws, and crime rates -- 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 Bremerton?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Bremerton?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bremerton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?