The most affordable company depends on your needs and driver profile. Washington-based PEMCO is the cheapest provider for full and minimum coverage in Bellevue. It’s also the most affordable company for military-affiliated drivers and those with driving violations. Teens will find the best value from Kemper, while Chubb is the best company for customer service and for overall cheap policies.
Cheapest and Best Car Insurance in Bellevue
Cheapest Minimum Liability Car Insurance in Bellevue
The cheapest car insurance companies for a minimum coverage policy in Bellevue are:
- PEMCO: approximately $276 per year
- Capital Insurance Group: approximately $363 per year
Dairyland is the most expensive provider for minimum coverage, with policies averaging $2,088 per year. PEMCO also offers the cheapest auto insurance in Washington as a whole. We found that PEMCO’s state-wide average premium is $262 as of October 2022, making Bellevue a bit more expensive for this insurer compared to other cities in Washington. Your location can play a significant role in determining your rates.
The state determines coverage limits for minimum liability insurance. In Washington, minimum coverage extends to bodily injury and property damage with these limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Liability coverage pays for injuries and damages to other drivers and their passengers if you’re found to be at fault for an accident. Having bodily injury liability limits of $25,000 per person and $50,000 per accident means your insurer will cover the medical bills of up to $25,000 per person but not exceeding $50,000 per incident, regardless of how many people were injured. You’ll have to pay out of pocket for costs beyond this limit.
Cheapest Full Coverage Car Insurance in Bellevue
The cheapest car insurance companies for a full coverage policy in Bellevue are:
- PEMCO: approximately $541 per year
- Kemper: approximately $724 per year
The most expensive insurer for full coverage is Dairyland, with annual premiums averaging $4,262. PEMCO also offers the cheapest full coverage car insurance in Washington state at $533 per year as of October 2022, which makes Bellevue a bit more expensive in terms of insuring a car compared to most areas in the state. Location can be an important factor when determining car insurance rates.
Full coverage insurance raises your liability limits and adds comprehensive and collision insurance to your policy.
- Collision Insurance: Covers the costs of repair or replacement of your vehicle if it sustains damage in an at-fault accident.
- Comprehensive Insurance: Helps cover expenses related to the repair or replacement of your vehicle if it sustains damage in a non-accident incident.
Drivers of older vehicles might not benefit from full coverage insurance since the value of their vehicles might be worth less than the cost of the policy.
Cheapest Car Insurance in Bellevue After a Driving Offense
The cheapest car insurance companies for a full coverage policy after driving violations in Bellevue are:
- Speeding ticket: PEMCO (approximately $677 per year)
- At-fault accident: PEMCO (approximately $741 per year)
- DUI: PEMCO (approximately $899 per year)
On average, Dairyland is the most expensive option for drivers with tickets ($4,976), accidents ($5,473) and DUIs ($4,262). Drivers with offenses are typically charged higher rates than drivers with clean records, so don’t be surprised to see even the cheapest providers charging more expensive premiums.
A severe violation can cause an increase in your insurance rates. The price of a full coverage policy in Bellevue could go up by at least $332 after a ticket and $679 after a DUI. You could still find several options for affordable car insurance for drivers with bad driving records.
Cheapest Car Insurance in Bellevue for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Bellevue are:
- Kemper: approximately $1,614 per year for female teens; $1,677 per year for male teens
- Nationwide: approximately $2,042 per year for female teens; $2,180 per year for male teens
Progressive is the most expensive company for teens, with full coverage costing about $4,394 or $4,844 when a female or male teen is added to a family policy. Male teens are typically charged higher rates than female teens because companies view young men as riskier to insure. With Kemper, male teens pay around $63 more per year. This difference tapers off in early adulthood.
One of the best ways for families to save on insurance is by adding a teen to a family policy since buying separate policies ends up costing more. In Bellevue, male teens who purchase a separate car insurance policy could pay around $2,381 more annually. Families may save thousands of dollars per year by making smart choices when looking for the cheapest auto insurance for teens.
Cheapest Car Insurance in Bellevue for Military Drivers
The cheapest car insurance for military families in Bellevue is offered by:
- PEMCO: approximately $541 per year
- USAA: approximately $608 per year
These rates are for full coverage insurance, but if you prefer to purchase a minimum coverage policy, PEMCO and USAA also top the list of insurers that have the most affordable average annual premiums of $276 and $281, respectively.
How to Compare Cheap Bellevue Car Insurance Quotes Online
Most drivers don’t have the time to compare rates from multiple insurers. While many insurers offer personalized quotes for free, it could take up to 15 minutes to complete the entire process online for each company, and you’ll need to provide a lot of personal information.
Use MoneyGeek’s car insurance calculator for a ballpark figure of your premium. Our database will give you an estimate based on your age, vehicle type, preferred coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Bellevue: Summary
The best car insurance for you will depend on how much you value different factors. The best car insurance companies in Bellevue include:
- Best overall: Chubb (MoneyGeek 85 score out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Chubb (MoneyGeek score 86 out of 100)
Scores can vary based on weightings in each category. Chubb is the best overall insurer in Bellevue and is also the best car insurance company in Washington state.
For drivers with a military background, USAA is worth considering, earning a MoneyGeek score of 84 out of 100.
Best Overall Car Insurance in Bellevue
These are the best companies for car insurance in Bellevue that provide great value and superior service:
- Chubb: MoneyGeek score 85 out of 100 (approximately $1,019 per year)
- Capital Insurance Group: MoneyGeek score 80 out of 100 (approximately $776 per year)
Chubb scored well in affordability and satisfaction, the two most important categories in determining the overall best insurer. USAA also ranked well in our analysis, scoring 84 out of 100, and is an excellent option for military families.
Has reasonably-priced full coverage policies
Ranks well on customer satisfaction
Offers rental car reimbursement, original equipment manufacturer (OEM) and diminished value coverages
Limited variety of coverages
Lacks common coverages like roadside assistance, accident forgiveness, gap insurance and deductible modification
Chubb has limited options for optional coverages, but it is one of the few insurers that offer original equipment manufacturer (OEM) coverage as an add-on. If you have this coverage on your policy, Chubb will pay for the cost of original parts and procedures to repair your vehicle following damage due to a covered incident. This means you won’t have to settle for third-party replacements that might not be a perfect fit and could compromise your vehicle’s safety or modify its overall look. With OEM coverage, you’re assured that your vehicle’s performance is optimized for safety, which is beneficial for all drivers.
Consider purchasing Chubb’s Agreed Value coverage to receive the best protection in the event that your car is stolen or totaled. With this add-on, you’ll receive a check that’s equal to the agreed value of your car at the time the policy was written.
Best Car Insurance in Bellevue for Customer Service
We recommend these companies if you want to receive the best customer experience in Bellevue regardless of cost:
- Chubb: MoneyGeek score 76 out of 100 (approximately $1,019 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $776 per year)
Chubb has a strong reputation for delivering great service and managing claims, but insurance buyers should expect to pay higher premiums for these perks compared to what some other insurers charge.
Scored well in customer service
High ranking in claims management
Offers useful coverages like classic car insurance, original equipment manufacturer (OEM) and diminished value coverages
Scored lower in terms of coverage options
Lacks common coverages such as rideshare insurance, new car replacement coverage and deductible modification
Chubb combines great value with top-notch service, making it our clear winner for this category. Although it only offers four add-on coverages, most of these are rarely offered by other insurers. Chubb offers classic car insurance, which is a must-have for drivers with collectible cars. To qualify, your car needs to be at least 30 years old, part of a larger vehicle collection or a limited production model.
We highly recommend purchasing its original equipment manufacturer (OEM) coverage which pays for the cost of original parts and processes to repair your vehicle following damage due to a covered incident. OEM parts are made by your car manufacturer’s factory and designed specifically for your car. Chubb also offers diminished value coverage, which pays you for the agreed value of your car if it is totaled or stolen.
Best Cheap Car Insurance Companies in Bellevue
The best auto insurance companies in Bellevue that meet Washington state’s minimum coverage requirements are:
- Chubb: MoneyGeek score 86 out of 100 (approximately $455 per year)
- Capital Insurance Group: MoneyGeek score 81 out of 100 (approximately $363 per year)
Although minimum coverage is usually the cheapest auto policy that you can buy, it gives you little protection against liability costs and won't cover damages to your car if you are in an accident.
An affordable minimum coverage policy costs $455 per year
Ranked well in customer satisfaction
Discounts for bundling policies, completing a defensive driving course and having an electronic tracking device
Lacks several essential coverages
Doesn’t have multiple car, good student and safe driving discounts
Chubb combines reliable service and affordable rates, offering the fourth cheapest minimum coverage policies out of the providers in Bellevue that were included in our study. If you’re shopping for auto and home insurance, make sure to bundle your Chubb policies to maximize your savings.
This insurer prioritizes safety, which is reflected in the rare discounts that it provides. Drivers who complete a defensive driving or accident prevention course qualify for substantial discounts. It also rewards policyholders for having safety features in their vehicles. For instance, you’ll get a discount for having a factory-installed anti-lock braking system or daytime running lights. You’ll also save on your insurance if your car has countermeasures for theft, such as an electronic tracking device, VIN window glass etching or an anti-theft system (alarm, active or passive disabling device).
Average Cost of Car Insurance in Bellevue
The average cost of car insurance in Bellevue is $1,211 per year. This is $42 more expensive than the cost of car insurance in Washington, but it’s around $54 cheaper than the national average as of October 2022. These rates are for a sample full coverage policy that has $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Keep in mind that location is just one of multiple factors that can impact car insurance costs.
About Mark Fitzpatrick