Best Cheap Auto Insurance in Bellevue, WA (2021)

The cheapest Bellevue, WA auto insurance is from Nationwide, but rates will vary by driver. Auto insurance in Bellevue must meet the Washington minimum requirements of 25/50/10 in liability coverage, $10,000 in PIP, and 25/50 in uninsured/underinsured motorist coverage. Compare Bellevue, WA auto insurance quotes online to find your best deal.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Nationwide offers the cheapest Bellevue, WA auto insurance
  • Bellevue is a part of the larger Seattle metro area and shares a large volume of traffic with the bigger city
  • Bellevue, WA auto insurance rates are cheaper than the national average

Bellevue, WA auto insurance rates are more expensive than the average Washington auto insurance rates. However, both the Bellevue and Washington state averages are below the national average.

No matter what, you want to find the most affordable Bellevue, WA auto insurance out there. Compare rates from different companies to see who can offer your the cheapest coverage.

Monthly Bellevue, WA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Bellevue, Washington auto insurance rates by ZIP Code below:

View as image

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Bellevue, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Bellevue, Washington stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

View as image

Enter your ZIP code now to compare Bellevue, WA auto insurance quotes from multiple companies near you for free.

What is the cheapest auto insurance company in Bellevue, WA?

Although the cheapest Bellevue, WA auto insurance company is actually USAA, it only offers coverage to the military, veterans, and their families. The cheapest company that offers to all drivers in Bellevue is Nationwide.

Which Bellevue, WA car insurance company has the best rates? And how do those rates compare against the average Washington car insurance company rates? We’ve got the answers below.

View as image

The top Bellevue, WA auto insurance companies listed from cheapest to most expensive are:

  • USAA – $2,440.72
  • Nationwide – $2,458.19
  • GEICO – $2,836.25
  • State Farm – $2,945.05
  • Farmers – $3,296.44
  • Progressive – $3,659.73
  • Allstate – $4,017.37
  • Liberty Mutual – $4,353.62
  • American Family – $4,381.95

Many factors influence your auto insurance rates, including your age and driving record.

Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Spokane, WA auto insurance is more expensive than coverage in Bellevue.

What auto insurance coverage is required in Bellevue, WA?

Most states, including Washington, require drivers to carry at least a minimum amount of car insurance. Drivers in Bellevue must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $10,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Bellevue, WA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a major role in your Bellevue car insurance rates. Find the cheapest Bellevue, WA car insurance rates by coverage level below:

View as image

Your credit score will play a significant role in your Bellevue car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Bellevue, WA car insurance rates by credit score below.

View as image

Your driving record will play a major role in your Bellevue car insurance rates. For example, other factors aside, a Bellevue, WA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Bellevue, WA car insurance rates by driving record.

View as image

Factors affecting car insurance rates in Bellevue, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Bellevue, Washington car insurance.

View as image

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. WA does use gender, so check out the average monthly car insurance rates by age and gender in Bellevue, WA.

View as image

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What affects auto insurance rates in Bellevue, WA?

Your auto insurance rates are also affected by the amount of traffic in your city. More traffic means a greater chance of being in an accident.

Although INRIX doesn’t have data for Bellevue, it does show nearby Seattle, WA as the 15th most congested city in the U.S.

City-Data shows most drivers in Bellevue commute for about 35 minutes, and a large number of drivers commute an hour or more.

Theft can also affect your rates. According to the FBI, there were 309 motor vehicle thefts in one year in Bellevue, WA. For comparison, Seattle had 3,630 thefts in that same year.

Bellevue, WA Auto Insurance: The Bottom Line

Bellevue car insurance can be more expensive than average since the city is so close to Seattle. Before you buy Bellevue, WA auto insurance, shop around and compare companies to find the best deal.

Enter your ZIP code to compare Bellevue, WA auto insurance rates for free from companies near you today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Monthly Bellevue, WA Auto Insurance Rates by ZIP Code
Bellevue, WA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Bellevue, WA Auto Insurance Rates by Company vs. City Average
Bellevue, WA Auto Insurance Rates by Company and Age
The Cheapest Bellevue, WA Auto Insurance Rates by Coverage Level
The Cheapest Bellevue, WA Auto Insurance Rates by Credit Score
The Cheapest Bellevue, WA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Bellevue, WA
Average Monthly Auto Insurance Rates by Age & Gender in Bellevue, WA
Monthly Bellevue, WA Auto Insurance Rates by ZIP Code
Bellevue, WA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Bellevue, WA Auto Insurance Rates by Company vs. City Average
Bellevue, WA Auto Insurance Rates by Company and Age
The Cheapest Bellevue, WA Auto Insurance Rates by Coverage Level
The Cheapest Bellevue, WA Auto Insurance Rates by Credit Score
The Cheapest Bellevue, WA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Bellevue, WA
Average Monthly Auto Insurance Rates by Age & Gender in Bellevue, WA