Cheapest and Best Car Insurance in Bellevue, WA (2023)

The latest quotes collected for 2023 indicate that PEMCO is the cheapest company in Bellevue, Washington, while Chubb is the overall best insurer, providing the ideal blend of affordability and customer service.

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 + BestCar InsuranceBellevue

2023

Cheapest and Best Car Insurance in Bellevue

Cheapest Overall - PEMCO

Cheapest Full Coverage - PEMCO

Cheapest After Driving Offense - PEMCO

Cheapest for Teens - Kemper

Cheapest for Military - PEMCO

Best Overall - Chubb

Best for Customer Service - Chubb

Best Cheap - Chubb

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Washington

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

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Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$339

2.GEICO

$450

3.PEMCO

$500

4.State Farm

$522

5.Progressive

$542

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.

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.

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.

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 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.

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Cheapest and Best Car Insurance in Bellevue, WA (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Bellevue

Cheapest Full Coverage Car Insurance in Bellevue

Cheapest Car Insurance in Bellevue After a Driving Offense

Cheapest Car Insurance in Bellevue for Teens and Their Families

Cheapest Car Insurance in Bellevue for Military Drivers

How to Compare Cheap Bellevue Car Insurance Quotes Online

Best Car Insurance in Bellevue: Summary

Best Overall Car Insurance in Bellevue

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Bellevue for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Bellevue

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Bellevue