Bremerton, WA Car Insurance

On average, drivers in Bremerton pay around $66 per month for their car insurance. Check out our guide below to find out how much you'll pay.
What can Bremerton residents expect to pay for their car insurance? Are rates in Bremerton higher or lower than those in neighboring areas? How do they compare to the rest of Washington? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Bremerton?

Area Average Monthly Car Insurance Premium
Bremerton$66
WA$75
United States$80

Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Bremerton than it is in the rest of Washington.

Similarly, car insurance rates in Bremerton are more affordable than the national average. It's about $14 cheaper to insure your vehicle in Bremerton compared to the average rate for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Bremerton, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Bremerton so that you can get a more accurate idea of what you might 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$144
18-24$106
25-34$59
35-44$53
45-54$48
55-64$56
65+$58

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Bremerton.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$65

In general, women pay slightly less for car insurance than men. In Bremerton, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$85
1 Ticket$94
Multiple Tickets$134

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Bremerton with a single accident will pay around $78 a month. Similarly, drivers with one ticket will typically pay around $94 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$62
4-5 Years$48
6-7 Years$77
8-10 Years$62
11-14 Years$72
15 Years or Older$65

If you look at the first table above, the cheapest vehicles to insure in Bremerton are typically trucks and vans, at $53 per month.

Car owners will see a monthly bill of about $68, while SUV owners usually pay around $72 a month.

Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Bremerton, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$67
Divorced$55
Widowed$43

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Bremerton.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$68
Live with parents$87

Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Bremerton can expect to pay around $15 a month less than those who rent. 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 Bremerton, WA

Recent trends in car insurance for Bremerton drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

In Bremerton, auto insurance rates had been decreasing from 2016-2018, before leveling out in 2019. Car insurance rates finished down in 2021, at $51 per month

How does Bremerton compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Availability of off-street parking
  • Area regulations
  • General road safety (how many accidents each locality has)
  • Crime
  • Amount of drivers

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. 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?

Arming 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.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage 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 age and gender, as well as your address, credit score, driving record, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Bremerton 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.

Find your best rate in just a few minutes