Cheapest Car Insurance Quotes in Bellevue

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Bellevue Car Insurance

^$ 42

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bellevue

The car insurance rate in Bellevue is $1064 for a six-month policy, which is $147 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $476, making it a popular choice for budget-conscious drivers. Rates in Bellevue can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bellevue

$1064

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Bellevue

1st place: Kemper

At $476 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $640 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $661 for six months, making it the third cheapest auto insurance company in Bellevue.

Bellevue Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellevue, WA is Kemper, offering policies at just $476 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $640.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2805 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellevue drivers find the best deals.

Cheap Car Insurance Companies in Bellevue, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$476	$79
Nationwide	$640	$109
Auto-Owners Insurance Co	$661	$110
Chubb	$751	$128
Capital Insurance Group	$764	$128
USAA	$896	$151
Mutual of Enumclaw	$944	$158
American Family	$965	$162
State Farm	$965	$162
Progressive	$985	$166
PEMCO	$1061	$179
Travelers	$1068	$180
Farmers	$1172	$197
Allstate	$1322	$223
Granwest P&C	$1557	$260
Sentry	$2805	$477

Key Takeaways

Way's key takeaways about car insurance in Bellevue

The auto insurance costs in Bellevue fall around $476 for six months.
The cheapest auto insurance company in Bellevue is California Casualty.
Teen drivers pay the highest rate in Bellevue at $790 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bellevue

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bellevue are given below.

California Casualty provides the cheapest minimum car insurance coverage in Bellevue. Their Average 6 Month Premium is $248. Grange is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Bellevue, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$248	$42
USAA	$248	$42
Granwest P&C	$255	$43
Auto-Owners Insurance Co	$269	$45
Chubb	$317	$53
Nationwide	$331	$56
PEMCO	$331	$56
Capital Insurance Group	$351	$60
Progressive	$358	$60
American Family	$365	$63
Mutual of Enumclaw	$393	$66
State Farm	$393	$66
Travelers	$400	$67
Farmers	$469	$79
Allstate	$778	$131
Sentry	$806	$137
Encompass	$241	$41
Grange	$248	$42

Cheapest Full Coverage Car Insurance in Bellevue

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bellevue is Kemper at $79 per month and $476 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellevue, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$476	$79
Nationwide	$640	$109
Auto-Owners Insurance Co	$661	$110
Chubb	$751	$128
Capital Insurance Group	$764	$128
USAA	$896	$151
Mutual of Enumclaw	$944	$158
American Family	$965	$162
State Farm	$965	$162
Progressive	$985	$166
PEMCO	$1061	$179
Travelers	$1068	$180
Farmers	$1172	$197
Allstate	$1322	$223
Granwest P&C	$1557	$260
Sentry	$2805	$477

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Average Car Insurance in Bellevue by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bellevue, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Bellevue, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bellevue's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bellevue

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$785
30s	PEMCO	$550
40s	PEMCO	$556
50s	PEMCO	$528
60s	PEMCO	$556
70s	PEMCO	$690

Cheapest Car Insurance Rates for Teen Drivers in Bellevue,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bellevue at $65 per month. At $4741 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$379	$65
Auto-Owners Insurance Co	$393	$65
Chubb	$441	$75
Travelers	$1296	$218
State Farm	$1371	$231
USAA	$1592	$268
Pemco	$1957	$329
Farmers	$2363	$398
Mutual of Enumclaw	$2391	$406
Progressive	$2611	$440
Allstate	$2714	$457
Sentry	$4741	$790

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Bellevue.

As young drivers face the highest rates in Bellevue, PEMCO offers the cheapest auto insurance rates at $785 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bellevue, AutoOwners Insurance Co is the cheapest car insurance provider. At $269 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bellevue is Sentry, offering rates of around $2805 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$269	$45
Chubb	$317	$53
American Family	$365	$63
Nationwide	$379	$63
Kemper	$413	$71
Farmers	$1075	$181
Travelers	$1144	$193
State Farm	$1357	$229
Progressive	$1364	$230
USAA	$1399	$233
Pemco	$1598	$269
Mutual of Enumclaw	$1640	$274
Allstate	$2564	$436
Sentry	$2805	$467

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bellevue.

Car Insurance Rates with An Accident in Bellevue

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bellevue, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bellevue

The cheapest car insurance companies after an at-fault accident in Bellevue include AutoOwners Insurance Co and Encompass, offering $345 and $393, respectively. Sentry is an expensive provider with an average six-month premium of $4872.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$345	$58
Encompass	$393	$67
Chubb	$406	$68
American Family	$441	$75
Kemper	$572	$95
USAA	$614	$103
Travelers	$896	$151
State Farm	$916	$154
PEMCO	$999	$168
Capital Insurance Group	$1020	$173
Mutual of Enumclaw	$1275	$212
Progressive	$1357	$229
Farmers	$1447	$244
Allstate	$2363	$398
Sentry	$4872	$812

Bellevue Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellevue WA. For example, the car insurance in Bellevue after a DUI increases to $944 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Bellevue auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$206
One Med/PIP claim	$1240	$211
Not-at-fault accident	$1282	$213
Two Med/PIP claims	$1282	$218
One comp claim	$1289	$215
Two comp claims	$1343	$229
Failure to show documents	$1481	$247
Child safety restraint	$1495	$254
Driving without lights	$1509	$252
Failure to wear a seat belt	$1509	$256
Speeding 11 - 15 MPH over limit	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Speeding 6 - 10 MPH over limit	$1509	$252
Driving too slowly	$1523	$259
Driving with expired registration	$1523	$254
Cell phone violation	$1530	$260
Failure to yield	$1530	$255
Improper passing	$1530	$260
Texting while driving	$1530	$255
Wrong way/wrong lane	$1530	$260
Failure to stop at a red light	$1537	$256
Following too closely	$1537	$261
Illegal turn	$1537	$256
Speeding in school zone	$1605	$273
Passing school bus	$1612	$269
At-fault accident - less than $1000	$1633	$277
Speeding 21 - 25 MPH over limit	$1633	$273
Open container	$1640	$278
In 65 MPH zone	$1702	$284
At-fault accident - $1000-$2000	$1764	$300
At-fault accident - greater than $2000	$1771	$295
Operating a vehicle without permission	$1784	$304
Refusal to submit to a chemical test	$2136	$356
Reckless driving	$2143	$364
Driving with a suspended license	$2163	$361
DUI	$2184	$371
Racing	$2260	$377
Leaving scene of an accident/hit and run	$2274	$386

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bellevue after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bellevue.

The cheapest car insurance premiums in Bellevue are offered by Chubb at $393 for a six-month policy. However, it can be as expensive as $3693 with companies like Sentry.

Bellevue car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$393	$67
American Family	$434	$72
Auto-Owners Insurance Co	$496	$85
Travelers	$944	$159
Progressive	$951	$160
USAA	$1047	$176
Pemco	$1158	$195
State Farm	$1261	$212
Farmers	$1474	$248
Mutual of Enumclaw	$1647	$275
Grange	$2109	$358
Allstate	$2156	$363
Cal Casualty	$2356	$400
Sentry	$3693	$616

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bellevue are offered by Chubb at $345. However, it can be as expensive as $4514 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Bellevue after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$345	$59
Auto-Owners Insurance Co	$358	$59
American Family	$434	$74
State Farm	$806	$136
Travelers	$985	$166
USAA	$1082	$180
Mutual of Enumclaw	$1151	$196
Pemco	$1199	$202
Progressive	$1226	$206
Farmers	$1350	$227
Allstate	$2074	$353
Sentry	$4514	$752

Car Insurance Price Trends in Bellevue, Washington

Car insurance rates in Bellevue have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bellevue rose by $226 in January compared to $175 of December. In other words, there has been an increase by $51 when you compare January and December.

The average cost of liability insurance in the Bellevue rose to $65 in January, compared to $59 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in Bellevue by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Bellevue. At $1244 for a six-month policy, insuring your car at 98008 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
98008	$1244	$209
98007	$1265	$212
98004	$1319	$221
98006	$1329	$223
98005	$1191	$200

Frequently Asked Questions

How much is car insurance in Bellevue?

The car insurance in Bellevue is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Bellevue?

The cheapest car insurance in Bellevue is $79 per month for full coverage.

How much is car insurance in Bellevue for teenagers?

Car insurance for teenagers costs $379 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bellevue?

The average cost of car insurance is $917 for a six-month policy. It will cost around $179 per month to insure your car in Bellevue.

Is car insurance expensive in Bellevue?

Car insurance can be expensive in Bellevue if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bellevue can be affordable.

Cheapest Car Insurance Quotes in Bellevue

Why you can trust Way?

How Much Is Car Insurance in Bellevue

Avg. Car Insurance in Bellevue

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Bellevue

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Bellevue Car Insurance Rates by Company

Cheap Car Insurance Companies in Bellevue, WA

Way's key takeaways about car insurance in Bellevue

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bellevue

Cheapest Liability Coverage in Bellevue, WA

Cheapest Full Coverage Car Insurance in Bellevue

Cheapest Full Coverage Car Insurance Quotes in Bellevue, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bellevue by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bellevue, WA increasing?

Car Insurance Premiums by Age in Bellevue

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bellevue,WA

If you are in your twenties PEMCO is the best choice for car insurance in Bellevue.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bellevue

Cheapest Car Insurance Companies after an At-Fault Accident in Bellevue

Bellevue Car Insurance Rates by Violation

Bellevue auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bellevue after a DUI

Bellevue car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bellevue after Speeding ticket

Car Insurance Price Trends in Bellevue, Washington

Average Car Insurance Cost in Bellevue by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bellevue, WA

Car Insurance Rates by State in the USA (2025 Update)

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