Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

PEMCO

$276

$23

PEMCO

$298

$25

Capital Insurance Group

$332

$28

PEMCO

$342

$29

Capital Insurance Group

$363

$30

Chubb

$386

$32

State Farm

$427

$36

GEICO

$437

$36

Chubb

$455

$38

State Farm

$466

$39

Travelers

$498

$42

Travelers

$506

$42

Capital Insurance Group

$532

$44

PEMCO

$541

$45

GEICO

$552

$46

Travelers

$575

$48

GEICO

$578

$48

State Farm

$582

$49

PEMCO

$583

$49

Kemper

$584

$49

Chubb

$633

$53

Kemper

$643

$54

Allstate

$646

$54

Kemper

$647

$54

Farmers

$649

$54

Allstate

$664

$55

Nationwide

$678

$57

PEMCO

$684

$57

Farmers

$686

$57

Capital Insurance Group

$694

$58

Progressive

$703

$59

American Family

$705

$59

Allstate

$713

$59

Kemper

$724

$60

Nationwide

$727

$61

American Family

$728

$61

American Family

$757

$63

Progressive

$765

$64

Farmers

$772

$64

Capital Insurance Group

$776

$65

GEICO

$805

$67

Progressive

$809

$67

National General

$812

$68

State Farm

$847

$71

Chubb

$853

$71

State Farm

$929

$77

Travelers

$940

$78

Kemper

$957

$80

Travelers

$968

$81

GEICO

$968

$81

National General

$984

$82

Nationwide

$1,001

$83

Nationwide

$1,007

$84

Chubb

$1,019

$85

Allstate

$1,023

$85

Kemper

$1,052

$88

American Family

$1,074

$89

Allstate

$1,092

$91

National General

$1,107

$92

Allstate

$1,109

$92

American Family

$1,115

$93

Nationwide

$1,116

$93

GEICO

$1,122

$94

American Family

$1,143

$95

Capital Insurance Group

$1,153

$96

Travelers

$1,156

$96

Farmers

$1,181

$98

Farmers

$1,186

$99

State Farm

$1,208

$101

Progressive

$1,237

$103

National General

$1,296

$108

Progressive

$1,316

$110

Chubb

$1,380

$115

Farmers

$1,404

$117

Progressive

$1,477

$123

Nationwide

$1,500

$125

National General

$1,594

$133

National General

$1,628

$136

Dairyland

$2,023

$169

Dairyland

$2,088

$174

Dairyland

$3,076

$256

Dairyland

$3,875

$323

Dairyland

$4,262

$355

Dairyland

$6,211

$518

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.

Company
Annual Premium
Monthly Premium

PEMCO

$276

$23

PEMCO

$298

$25

Capital Insurance Group

$332

$28

PEMCO

$342

$29

Capital Insurance Group

$363

$30

Chubb

$386

$32

State Farm

$427

$36

GEICO

$437

$36

Chubb

$455

$38

State Farm

$466

$39

Travelers

$498

$42

Travelers

$506

$42

Capital Insurance Group

$532

$44

PEMCO

$541

$45

GEICO

$552

$46

Travelers

$575

$48

GEICO

$578

$48

State Farm

$582

$49

PEMCO

$583

$49

Kemper

$584

$49

Chubb

$633

$53

Kemper

$643

$54

Allstate

$646

$54

Kemper

$647

$54

Farmers

$649

$54

Allstate

$664

$55

Nationwide

$678

$57

PEMCO

$684

$57

Farmers

$686

$57

Capital Insurance Group

$694

$58

Progressive

$703

$59

American Family

$705

$59

Allstate

$713

$59

Kemper

$724

$60

Nationwide

$727

$61

American Family

$728

$61

American Family

$757

$63

Progressive

$765

$64

Farmers

$772

$64

Capital Insurance Group

$776

$65

GEICO

$805

$67

Progressive

$809

$67

National General

$812

$68

State Farm

$847

$71

Chubb

$853

$71

State Farm

$929

$77

Travelers

$940

$78

Kemper

$957

$80

Travelers

$968

$81

GEICO

$968

$81

National General

$984

$82

Nationwide

$1,001

$83

Nationwide

$1,007

$84

Chubb

$1,019

$85

Allstate

$1,023

$85

Kemper

$1,052

$88

American Family

$1,074

$89

Allstate

$1,092

$91

National General

$1,107

$92

Allstate

$1,109

$92

American Family

$1,115

$93

Nationwide

$1,116

$93

GEICO

$1,122

$94

American Family

$1,143

$95

Capital Insurance Group

$1,153

$96

Travelers

$1,156

$96

Farmers

$1,181

$98

Farmers

$1,186

$99

State Farm

$1,208

$101

Progressive

$1,237

$103

National General

$1,296

$108

Progressive

$1,316

$110

Chubb

$1,380

$115

Farmers

$1,404

$117

Progressive

$1,477

$123

Nationwide

$1,500

$125

National General

$1,594

$133

National General

$1,628

$136

Dairyland

$2,023

$169

Dairyland

$2,088

$174

Dairyland

$3,076

$256

Dairyland

$3,875

$323

Dairyland

$4,262

$355

Dairyland

$6,211

$518

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.

Company
Annual Premium
Monthly Premium

PEMCO

$347

$29

PEMCO

$388

$32

PEMCO

$402

$34

PEMCO

$405

$34

Capital Insurance Group

$422

$35

Chubb

$424

$35

Capital Insurance Group

$442

$37

PEMCO

$446

$37

PEMCO

$451

$38

Capital Insurance Group

$466

$39

State Farm

$473

$39

State Farm

$473

$39

Chubb

$476

$40

Chubb

$476

$40

PEMCO

$483

$40

Capital Insurance Group

$486

$41

Chubb

$501

$42

State Farm

$518

$43

State Farm

$518

$43

State Farm

$520

$43

PEMCO

$541

$45

Chubb

$565

$47

Chubb

$565

$47

PEMCO

$568

$47

State Farm

$569

$47

GEICO

$609

$51

Capital Insurance Group

$612

$51

State Farm

$647

$54

State Farm

$647

$54

Capital Insurance Group

$676

$56

PEMCO

$677

$56

Travelers

$685

$57

GEICO

$687

$57

Capital Insurance Group

$694

$58

GEICO

$696

$58

Chubb

$702

$59

Allstate

$711

$59

State Farm

$712

$59

Capital Insurance Group

$721

$60

Travelers

$727

$61

Travelers

$728

$61

Allstate

$730

$61

Farmers

$740

$62

PEMCO

$741

$62

Travelers

$746

$62

Kemper

$761

$63

PEMCO

$773

$64

Travelers

$774

$64

Allstate

$790

$66

GEICO

$792

$66

PEMCO

$794

$66

Travelers

$796

$66

Chubb

$798

$67

Chubb

$798

$67

Kemper

$799

$67

Farmers

$815

$68

Travelers

$817

$68

Kemper

$817

$68

Progressive

$824

$69

GEICO

$827

$69

Kemper

$837

$70

American Family

$838

$70

Farmers

$838

$70

American Family

$838

$70

GEICO

$841

$70

Kemper

$841

$70

PEMCO

$841

$70

American Family

$850

$71

Allstate

$856

$71

PEMCO

$864

$72

Farmers

$865

$72

Travelers

$867

$72

American Family

$868

$72

American Family

$868

$72

Allstate

$880

$73

American Family

$880

$73

Kemper

$880

$73

Allstate

$883

$74

Travelers

$889

$74

Progressive

$895

$75

PEMCO

$899

$75

American Family

$905

$75

American Family

$905

$75

Allstate

$908

$76

Kemper

$914

$76

Capital Insurance Group

$915

$76

American Family

$918

$76

Farmers

$928

$77

Farmers

$934

$78

GEICO

$936

$78

State Farm

$936

$78

State Farm

$936

$78

Progressive

$942

$78

Kemper

$942

$79

Chubb

$944

$79

Capital Insurance Group

$947

$79

Allstate

$963

$80

Farmers

$964

$80

Progressive

$971

$81

National General

$971

$81

GEICO

$986

$82

Allstate

$996

$83

Capital Insurance Group

$1,002

$84

Progressive

$1,007

$84

PEMCO

$1,012

$84

State Farm

$1,026

$86

State Farm

$1,027

$86

State Farm

$1,027

$86

Nationwide

$1,027

$86

Capital Insurance Group

$1,029

$86

Progressive

$1,033

$86

Farmers

$1,037

$86

PEMCO

$1,043

$87

GEICO

$1,057

$88

Farmers

$1,063

$89

Capital Insurance Group

$1,065

$89

Chubb

$1,068

$89

Chubb

$1,068

$89

National General

$1,078

$90

Nationwide

$1,082

$90

State Farm

$1,125

$94

Chubb

$1,132

$94

Allstate

$1,140

$95

GEICO

$1,148

$96

National General

$1,160

$97

Nationwide

$1,188

$99

Allstate

$1,219

$102

Allstate

$1,243

$104

Kemper

$1,254

$105

Nationwide

$1,254

$105

National General

$1,267

$106

Capital Insurance Group

$1,276

$106

GEICO

$1,279

$107

Chubb

$1,287

$107

Chubb

$1,287

$107

American Family

$1,289

$107

American Family

$1,289

$107

Kemper

$1,317

$110

American Family

$1,336

$111

State Farm

$1,336

$111

State Farm

$1,336

$111

Kemper

$1,339

$112

American Family

$1,344

$112

American Family

$1,344

$112

National General

$1,345

$112

Travelers

$1,369

$114

Progressive

$1,369

$114

American Family

$1,375

$115

American Family

$1,375

$115

Kemper

$1,379

$115

GEICO

$1,390

$116

American Family

$1,391

$116

Farmers

$1,397

$116

Allstate

$1,405

$117

Travelers

$1,424

$119

Nationwide

$1,425

$119

American Family

$1,428

$119

Capital Insurance Group

$1,433

$119

Travelers

$1,442

$120

Farmers

$1,446

$121

Allstate

$1,454

$121

State Farm

$1,464

$122

National General

$1,465

$122

National General

$1,494

$125

Travelers

$1,498

$125

Progressive

$1,498

$125

GEICO

$1,498

$125

Allstate

$1,502

$125

Travelers

$1,503

$125

Progressive

$1,510

$126

Farmers

$1,520

$127

National General

$1,522

$127

Chubb

$1,540

$128

National General

$1,546

$129

Allstate

$1,547

$129

Allstate

$1,555

$130

Nationwide

$1,559

$130

Nationwide

$1,564

$130

Capital Insurance Group

$1,566

$131

Travelers

$1,578

$131

GEICO

$1,579

$132

Farmers

$1,588

$132

Progressive

$1,589

$132

Allstate

$1,602

$133

Travelers

$1,604

$134

Farmers

$1,618

$135

Capital Insurance Group

$1,618

$135

Progressive

$1,619

$135

Nationwide

$1,630

$136

GEICO

$1,649

$137

Travelers

$1,671

$139

Nationwide

$1,672

$139

Farmers

$1,683

$140

Nationwide

$1,687

$141

Progressive

$1,726

$144

Farmers

$1,742

$145

Travelers

$1,754

$146

Chubb

$1,757

$146

Chubb

$1,757

$146

Progressive

$1,761

$147

National General

$1,765

$147

Nationwide

$1,777

$148

Farmers

$1,780

$148

Kemper

$1,795

$150

Progressive

$1,828

$152

National General

$1,838

$153

GEICO

$1,840

$153

Progressive

$1,873

$156

GEICO

$1,879

$157

Farmers

$1,911

$159

Nationwide

$1,934

$161

GEICO

$1,936

$161

National General

$1,980

$165

Kemper

$1,981

$165

Dairyland

$2,023

$169

National General

$2,039

$170

Nationwide

$2,048

$171

Dairyland

$2,088

$174

National General

$2,094

$175

National General

$2,095

$175

Nationwide

$2,130

$178

Capital Insurance Group

$2,198

$183

National General

$2,273

$189

Nationwide

$2,341

$195

Dairyland

$2,372

$198

National General

$2,379

$198

Dairyland

$2,443

$204

Nationwide

$2,475

$206

Progressive

$2,488

$207

Nationwide

$2,498

$208

Dairyland

$2,604

$217

Dairyland

$2,763

$230

Progressive

$2,809

$234

National General

$2,810

$234

Progressive

$2,842

$237

Kemper

$2,990

$249

Nationwide

$3,042

$254

Dairyland

$3,076

$256

Kemper

$3,401

$283

Dairyland

$3,480

$290

Kemper

$3,826

$319

Dairyland

$3,875

$323

Dairyland

$3,919

$327

Dairyland

$4,262

$355

Dairyland

$4,521

$377

Dairyland

$4,921

$410

Dairyland

$4,976

$415

Dairyland

$5,473

$456

Kemper

$5,712

$476

Dairyland

$6,211

$518

Dairyland

$7,084

$590

Dairyland

$7,758

$646

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$849

$2,123

Kemper

$980

$2,784

Travelers

$1,139

$1,649

GEICO

$1,158

$1,686

GEICO

$1,167

$1,551

Nationwide

$1,195

$3,246

Nationwide

$1,197

$3,521

GEICO

$1,212

$2,210

GEICO

$1,222

$2,333

GEICO

$1,232

$1,638

Travelers

$1,233

$1,716

GEICO

$1,273

$1,854

Travelers

$1,273

$1,844

Travelers

$1,286

$2,048

Allstate

$1,301

$1,941

Allstate

$1,303

$1,915

Travelers

$1,317

$1,907

Capital Insurance Group

$1,326

$1,695

GEICO

$1,328

$2,169

GEICO

$1,331

$2,021

State Farm

$1,336

$1,358

Capital Insurance Group

$1,355

$1,763

Allstate

$1,370

$2,574

GEICO

$1,389

$2,023

GEICO

$1,405

$1,868

Allstate

$1,409

$2,070

Travelers

$1,410

$1,963

Capital Insurance Group

$1,421

$1,816

Capital Insurance Group

$1,438

$1,870

Allstate

$1,450

$5,783

Allstate

$1,462

$2,998

Travelers

$1,464

$2,354

Nationwide

$1,467

$2,451

Travelers

$1,471

$2,242

Capital Insurance Group

$1,477

$2,062

Capital Insurance Group

$1,485

$2,073

Allstate

$1,485

$2,477

State Farm

$1,501

$1,525

Nationwide

$1,514

$2,640

Allstate

$1,516

$2,261

Travelers

$1,523

$2,121

State Farm

$1,528

$1,520

Capital Insurance Group

$1,531

$1,991

Allstate

$1,543

$2,267

Farmers

$1,571

$2,000

Capital Insurance Group

$1,573

$2,011

State Farm

$1,579

$1,868

Allstate

$1,581

$2,725

Capital Insurance Group

$1,607

$2,087

Nationwide

$1,614

$2,696

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

Kemper

$1,614

$4,673

GEICO

$1,620

$3,093

Allstate

$1,622

$3,047

Capital Insurance Group

$1,635

$2,133

State Farm

$1,642

$1,669

GEICO

$1,647

$4,011

Nationwide

$1,648

$3,022

Allstate

$1,659

$3,728

Farmers

$1,660

$2,190

GEICO

$1,660

$3,648

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Kemper

$1,677

$5,423

Allstate

$1,681

$2,506

Nationwide

$1,681

$2,932

Nationwide

$1,701

$2,841

State Farm

$1,706

$2,020

Nationwide

$1,711

$3,280

Allstate

$1,711

$7,292

Travelers

$1,728

$2,994

Travelers

$1,730

$2,628

State Farm

$1,738

$1,728

Travelers

$1,749

$2,666

GEICO

$1,767

$3,222

Nationwide

$1,768

$3,083

Allstate

$1,811

$4,343

Capital Insurance Group

$1,813

$2,531

Capital Insurance Group

$1,831

$2,556

Nationwide

$1,832

$6,346

State Farm

$1,850

$2,188

Allstate

$1,855

$3,805

Kemper

$1,869

$4,673

Kemper

$1,869

$4,673

Capital Insurance Group

$1,883

$2,446

Nationwide

$1,889

$7,344

Nationwide

$1,894

$7,322

Capital Insurance Group

$1,899

$2,477

Kemper

$1,910

$5,423

Kemper

$1,910

$5,423

State Farm

$1,915

$2,268

Capital Insurance Group

$1,929

$2,989

State Farm

$1,932

$2,577

State Farm

$1,932

$1,922

Capital Insurance Group

$1,938

$2,974

Nationwide

$1,966

$5,342

State Farm

$1,967

$2,441

Nationwide

$1,995

$5,866

Travelers

$1,997

$3,538

Capital Insurance Group

$2,000

$3,099

Capital Insurance Group

$2,026

$3,110

Nationwide

$2,033

$8,518

Nationwide

$2,042

$8,475

Allstate

$2,050

$8,172

Nationwide

$2,059

$8,006

Travelers

$2,076

$3,645

Allstate

$2,090

$11,037

Travelers

$2,097

$3,185

Progressive

$2,114

$2,118

GEICO

$2,171

$5,721

Nationwide

$2,180

$9,730

Nationwide

$2,185

$9,153

Allstate

$2,196

$11,321

Allstate

$2,221

$9,462

Capital Insurance Group

$2,230

$4,280

Progressive

$2,249

$2,238

State Farm

$2,260

$3,167

State Farm

$2,263

$2,808

Capital Insurance Group

$2,268

$4,361

Farmers

$2,273

$1,745

State Farm

$2,292

$2,945

Farmers

$2,298

$1,764

GEICO

$2,310

$4,961

Farmers

$2,323

$1,783

Farmers

$2,344

$1,906

Farmers

$2,393

$1,892

Farmers

$2,400

$1,896

Travelers

$2,419

$4,288

Farmers

$2,448

$1,935

Farmers

$2,473

$2,094

Progressive

$2,484

$3,571

Travelers

$2,488

$4,377

Travelers

$2,508

$5,507

State Farm

$2,511

$3,227

Progressive

$2,514

$2,520

State Farm

$2,518

$3,535

Farmers

$2,548

$4,103

GEICO

$2,569

$6,769

Progressive

$2,602

$2,590

Progressive

$2,631

$3,764

Farmers

$2,632

$4,594

Farmers

$2,651

$4,395

Progressive

$2,678

$3,269

State Farm

$2,712

$3,569

GEICO

$2,720

$5,841

Progressive

$2,738

$3,284

GEICO

$2,754

$9,274

Farmers

$2,778

$4,965

Progressive

$2,803

$2,789

Progressive

$2,820

$2,827

Farmers

$2,850

$3,629

Farmers

$2,962

$3,908

GEICO

$3,027

$8,704

Progressive

$3,030

$5,065

Travelers

$3,071

$5,403

State Farm

$3,074

$4,045

Progressive

$3,082

$4,429

State Farm

$3,092

$4,592

Farmers

$3,159

$6,380

Farmers

$3,189

$5,567

Travelers

$3,199

$7,109

Progressive

$3,325

$5,590

Farmers

$3,353

$6,962

Farmers

$3,386

$6,053

Progressive

$3,435

$4,913

Progressive

$4,012

$8,532

Progressive

$4,394

$8,803

Progressive

$4,417

$9,457

Progressive

$4,844

$9,766

Progressive

$5,030

$10,695

Progressive

$5,552

$11,887

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.

Company
Annual Premium
Monthly Premium

PEMCO

$276

$23

USAA

$281

$23

PEMCO

$298

$25

USAA

$313

$26

Capital Insurance Group

$332

$28

PEMCO

$342

$29

USAA

$343

$29

Capital Insurance Group

$363

$30

Chubb

$386

$32

State Farm

$427

$36

GEICO

$437

$36

Chubb

$455

$38

State Farm

$466

$39

Travelers

$498

$42

Travelers

$506

$42

Capital Insurance Group

$532

$44

PEMCO

$541

$45

GEICO

$552

$46

Travelers

$575

$48

GEICO

$578

$48

State Farm

$582

$49

PEMCO

$583

$49

Kemper

$584

$49

USAA

$608

$51

USAA

$629

$52

Chubb

$633

$53

Kemper

$643

$54

Allstate

$646

$54

Kemper

$647

$54

Farmers

$649

$54

Allstate

$664

$55

Nationwide

$678

$57

PEMCO

$684

$57

Farmers

$686

$57

Capital Insurance Group

$694

$58

Progressive

$703

$59

American Family

$705

$59

Allstate

$713

$59

Kemper

$724

$60

Nationwide

$727

$61

American Family

$728

$61

USAA

$755

$63

American Family

$757

$63

Progressive

$765

$64

Farmers

$772

$64

Capital Insurance Group

$776

$65

GEICO

$805

$67

Progressive

$809

$67

National General

$812

$68

State Farm

$847

$71

Chubb

$853

$71

State Farm

$929

$77

Travelers

$940

$78

Kemper

$957

$80

Travelers

$968

$81

GEICO

$968

$81

National General

$984

$82

Nationwide

$1,001

$83

Nationwide

$1,007

$84

Chubb

$1,019

$85

Allstate

$1,023

$85

Kemper

$1,052

$88

American Family

$1,074

$89

Allstate

$1,092

$91

National General

$1,107

$92

Allstate

$1,109

$92

American Family

$1,115

$93

Nationwide

$1,116

$93

GEICO

$1,122

$94

American Family

$1,143

$95

Capital Insurance Group

$1,153

$96

Travelers

$1,156

$96

Farmers

$1,181

$98

Farmers

$1,186

$99

State Farm

$1,208

$101

Progressive

$1,237

$103

National General

$1,296

$108

Progressive

$1,316

$110

Chubb

$1,380

$115

Farmers

$1,404

$117

Progressive

$1,477

$123

Nationwide

$1,500

$125

National General

$1,594

$133

National General

$1,628

$136

Dairyland

$2,023

$169

Dairyland

$2,088

$174

Dairyland

$3,076

$256

Dairyland

$3,875

$323

Dairyland

$4,262

$355

Dairyland

$6,211

$518

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.

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USAA

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.

Chubb

pros

Has reasonably-priced full coverage policies

Ranks well on customer satisfaction

Offers rental car reimbursement, original equipment manufacturer (OEM) and diminished value coverages

cons

Limited variety of coverages

Lacks common coverages like roadside assistance, accident forgiveness, gap insurance and deductible modification

COMPANY HIGHLIGHTS

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.

Chubb

pros

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

cons

Scored lower in terms of coverage options

Lacks common coverages such as rideshare insurance, new car replacement coverage and deductible modification

Somewhat expensive

COMPANY HIGHLIGHTS

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.

Chubb

pros

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

cons

Lacks several essential coverages

Doesn’t have multiple car, good student and safe driving discounts

COMPANY HIGHLIGHTS

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.