bestauto insuranceBellevueCompare the Cheapest Car Insurance Quotes in Bellevue, WA
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PEMCO provides the cheapest car insurance in Bellevue overall. However, your profile and preferred coverage may make the cheapest company change. Progressive has the cheapest state minimum policy, whereas GEICO is the most affordable with a speeding ticket. Meanwhile, USAA is great for military families. For balancing cost and customer service, GEICO is MoneyGeek’s pick as the best car insurance company in Bellevue.
bestauto insuranceBellevueThe Cheapest and Best Car Insurance in Bellevue
The Cheapest Car Insurance Companies in Bellevue
The following insurers offer, on average, the cheapest full coverage car insurance in Bellevue:
- PEMCO: $752 per year
- GEICO: $769 per year
PEMCO provides the most affordable full coverage policy in the city; it costs around 205.7% less than MetLife, the city’s most expensive car insurer.
For eligible active duty military and veterans, USAA has the cheapest full coverage policy in Bellevue at around $604 annually.
Full coverage includes collision and comprehensive insurance with liability. Your rate may change with the liability limits you choose.
Cheapest Car Insurance in Bellevue
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$604
- 2.PEMCO$752
- 3.$769
- 4.$873
- 5.$882
MoneyGeek gathered average rates for a 40-year-old male driver in Bellevue with a full coverage policy in compliance with our methodology.
Due to the increased protection of comprehensive and collision insurance with liability, you pay more for full coverage than a state minimum policy. But there is value in having full coverage since it protects your vehicle when damaged.
- Collision insurance: covers the repair or replacement of your vehicle in an at-fault collision with another vehicle or a stationary object
- Comprehensive insurance: covers theft and damage from vandalism, weather and other incidents outside of collision
An older car’s value may be less than the cost of full coverage. In this case, the best way to pay the cheapest rate possible is to purchase a state minimum policy or liability-only insurance.
Compare Car Insurance Rates in Bellevue
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Bellevue for Minimum Coverage
The state minimum policy is the cheapest car insurance available in Bellevue. MoneyGeek’s research shows that you can find, on average, the most affordable state minimum policies in Bellevue from:
- Progressive: $423 per year
- GEICO: $428 per year
Progressive has the city’s cheapest state minimum insurance policy; it’s around $961 cheaper than MetLife, the provider of Bellevue’s most expensive minimum coverage policy.
But for eligible active or retired military personnel and their families, USAA offers the cheapest state minimum policy in Bellevue at around $309 annually.
Despite its affordability, a state minimum policy puts you at risk because it lacks comprehensive and collision insurance, and the liability coverage levels are low. Review the table below to see how rates change by increasing liability coverage.
Cheapest Minimum Liability Car Insurance in Bellevue
State Minimum
- CompanyState Minimumper year
- 1.$309
- 2.$423
- 3.$428
- 4.PEMCO$436
- 5.$466
Washington’s state minimum is the cheapest car insurance policy you can find in Bellevue, but you get the least protection. It only has the minimum coverage required in Washington: $25,000 per person and $50,000 per accident of bodily injury liability and a $10,000 property damage limit per accident.
A state minimum policy may help you save money monthly, but in an accident, you may pay out of pocket. For example, if you’re at fault for $35,000 of one person’s medical bills, you have to pay $10,000 because of the $25,000 policy limit.
Washington Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Bellevue if You Have Driving Violations
Your car insurance premium will go up with a driving violation like a speeding ticket, DUI or an at-fault accident.
MoneyGeek’s analysis indicates that, on average, the following insurers have the cheapest auto insurance with a violation:
- Cheapest after a ticket: GEICO, $769 per year
- Cheapest after an at-fault accident: PEMCO, $1,019 per year
- Cheapest after a DUI: State Farm, $965 per year
USAA has the most affordable car insurance for eligible active military members or veterans with a speeding ticket (around $707/year) or an at-fault accident (around $854/year).
After a driving violation, you can improve your record over time to lower your car insurance rate. Right now, the best way to find the cheapest auto insurance with a ticket, DUI or an accident is by shopping around and comparing quotes.
Cheapest Car Insurance in Bellevue With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$707
- 2.$769
- 3.PEMCO$930
- 4.$965
- 5.$1,221
Average Cost of Car Insurance in Bellevue
Bellevue$1,179
Washington$1,264
U.S.$1,424
Car insurance in Bellevue is around $1,179 per year, which is lower than Washington and national average car insurance costs. Bellevue’s rates are approximately 6.7% cheaper than the Washington average and 17.2% less than the average across the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Bellevue
Factors such as coverage levels, ZIP code, vehicle make and model, age and gender affect car insurance quotes in Bellevue. Car insurers use them to determine a driver’s risk profile. Insurance companies have unique ways of calculating prices, so the best way to find an affordable policy is to compare quotes from at least three companies.
Compare Car Insurance Rates in Bellevue
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Bellevue
MoneyGeek collected quotes and analyzed average rates, claims ratings and user satisfaction scores to find the best car insurance providers in Bellevue. The two top companies are:
- GEICO: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 89 out of 100.
USAA received a perfect score of 100 out of 100, but the company only offers policies to military members, so we did not include it in these rankings.
1
GEICO
Score:90
GEICO earned a 4.65 score on affordability, with Bellevue policies costing $769 annually. Though it scored well on satisfaction, its claims rating is below average. Among its add-ons, the company offers mechanical breakdown insurance.
More About GEICO
GEICO’s mechanical breakdown insurance offers Bellevue drivers the same coverage as a dealer extended warranty but at a more affordable rate. The company also offers accident forgiveness coverage to drivers over 21 who have been accident-free for more than five years. This coverage prevents rates from going up after your first at-fault accident.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:89
State Farm performed well on satisfaction and claims. With a high affordability score of 4.62 out of 5, Bellevue drivers can buy a policy at an average of $882 annually. It offers unique rideshare insurance coverage.
More About State Farm
Bellevue drivers can choose from three different additional coverages. Rideshare insurance covers medical, emergency and roadside assistance for rideshare drivers. All coverage remains in effect while the app is active and the driver is available for hire. After an accident, State Farm drivers may be eligible for up to $500 for rental car and travel expenses. Finally, towing, mechanical work, gas and oil delivery and locksmith labor are all covered by the roadside assistance add-on.
Read MoneyGeek's State Farm auto Insurance Review3
Allstate
Score:81
4
Progressive
Score:80
5
Travelers
Score:79
6
American Family
Score:76
7
Farmers
Score:70
8
PEMCO
Score:66
9
Allied
Score:57
10
MetLife
Score:24
Average Cost of Car Insurance by Postal Code
Your ZIP code affects your car insurance premium. Insurance providers may classify you as riskier to insure if you reside in a Washington area with, for example, a high accident or car theft occurrence. Average car insurance rates in Bellevue’s lowest- and highest-priced zip codes are almost the same, with the lowest being $1,178 (98004) and the highest $1,181 (98006).
- Zip CodeState Minimumper year
- 98004$1,178
- 98006$1,181
Factors That Impact Insurance Costs in Bellevue
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Bellevue. How Bellevue ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
