TheAverage cost of car insuranceBellevue’s minimum coverage auto insurance costs $538 annually, and full coverage costs $1,251. Bellevue rates are comparable to Washington’s, with an average of $463/year for minimum coverage, and $1,176/year for full coverage.If you are looking for the best car insurance in Bellevue, you might want to get quotes from PEMCO, Oregon Mutual, Geico and Progressive.
If you are searching for the cheapest car insurance in Bellevue, you should know that USAA, Geico and Progressive are among the companies that offer below-average rates. Bankrate’s research on the best auto insurance companies in Bellevue may help you find the right coverage at an affordable price.
The best car insurance companies in Bellevue
Bellevue residents have many options when it comes to auto insurance. The insurance editorial team at Bankrate reviewed the top insurance companies in Washington based on market share. We started by looking at average quotes for premiums from Quadrant Information Services. We also looked at the discounts, policies features, coverages, and third-party rankings for each company.
These companies may be a good place to start if you’re looking for the best Bellevue car insurance.
PEMCO
PEMCO is the most affordable car insurance company in Bellevue. The minimum coverage is also the lowest. Also, the average premium for full coverage is lower than the average city premium. PEMCO vehicle insurance is generally inexpensive thanks to the number of discounts available. These savings include discounts for teachers and University of Washington alumni, young drivers without citations, and bundling coverage.
Oregon Mutual
Oregon Mutual might be a good choice for you if your goal is to purchase a low-cost, full coverage policy. Oregon Mutual only offers coverage in Washington. This means that its agents may be familiar with Washington drivers. Oregon Mutual offers a variety of optional coverages that can be added to your policy. These include accident forgiveness and replacement of a child safety seat.
Geico
Geico offers a robust digital app that allows customers to manage their insurance online. The company offers a wide range of discounts that could help you save money on your car insurance. Your premium may be reduced if you’re a military veteran, federal employee, safe driver, or good student. Geico’s coverage options are limited and there are only a few options to customize your policy to meet your specific needs.
Progressive
Progressive offers a lot of value with its policies. Pet injury coverage is included when you have collision coverage and pays for vet bills up to $1,000 if your pets are injured in an accident. Additionally, the Snapshot program could be a great way to learn safer driving habits and earn a personalized discount. Progressive’s online tools like the Name Your Price can help you save both time and money.
Cheapest car insurance in Bellevue
On average, Bellevue residents pay $538 per annum for minimum coverage and $1251 for full coverage. This is comparable to Washington’s average car insurance cost, which averages $1,176 per year for full coverage. The national average premium for full coverage is $1674 per annum. However, the following carriers, each with a large market share in Washington, offer Bellevue drivers lower average rates for car insurance:
These companies may offer lower rates than others, but price is only one factor you should consider when comparing carriers. USAA, for example, only offers coverage to active and retired military personnel and their immediate family. Geico offers a wide range of discounts and State Farm has an extensive network of agents in the area. Making a list and getting quotes from multiple companies can help you to find the best options.
Bellevue Insurance requirements
Washington requires drivers to have car insurance or they face a fine of $550 for driving uninsured. Washington has minimum insurance requirements:
- $25,000 per person for bodily injury
- $50k bodily injury per accident
- $10,000 damage to property
Washington also requires that insurance companies offer all drivers personal injury protection (PIP) coverage and underinsured motorist coverage,although these coverages can be declined in writing.
While minimum coverage will allow you to drive legally, it may not be the best option in the long-term. If you are at fault in an accident that results in injuries or damages, you are responsible for paying the full amount.
These minimum limits don’t provide coverage for your vehicle. You can upgrade to full coverage car insurance and get comprehensive and collision coverage. Your lender may require you to have full coverage if you have a car loan or lease.
Bellevue car insurance discount
Although car insurance in Bellevue may be less expensive than in the country as a whole it can still be a good way to save money. These are some of the most common discounts you can get:
- Safety:The risk of serious injury from a crash is lower for vehicles that have the most recent airbags and safety features. Automatic braking and other safety features can help to prevent accidents. You may be eligible for a discount on your car insurance if you have safety features.
- Safe driver:Avoiding claims, speeding tickets, and accidents can help you avoid surcharges that could increase your premium or lead to a discount.
- GaragingThe Pacific Northwest is not immune to severe weather. There are many examples: snowstorms, heavy rains and wildfires. You might be eligible for a discount if you park your car in a garage to lower the chance of weather damage.
- Bundling:You could get a discount if you have your renters, condo, or home insurance through the same company as your auto insurance.
Although discounts are frequently listed on company websites, availability can vary so it is worth speaking to a licensed agent to find savings opportunities.
Questions frequently asked
What is the best auto insurance company in Bellevue
The best car insurance companies in Bellevue include PEMCO, Oregon Mutual, Geico and Progressive. The best company might not work for everyone. Get quotes from multiple companies to find the best carrier for you. Compare rates, policies, and third-party rankings.
What is the cost of car insurance in Bellevue?
In Bellevue Washington, the average cost of car insurance is $538 for minimal coverage and $1,251 to cover full coverage. Bellevue rates are typically lower than the $1,674 annual national average for full coverage.
Is it necessary to have full coverage in Bellevue
Bellevue does not require full coverage. However, if you have a vehicle loan or lease you will need to have a full coverage policy in order to meet your lender’s requirements. Full coverage is a good option even if your vehicle does not require a loan, lease or mortgage. It provides financial protection and coverage for any damage to your vehicle if it is involved in an accident.