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Best cheap car insurance in Bellevue for 2022

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The average cost of car insurance in Bellevue is $538 per year for minimum coverage car insurance and $1,251 for full coverage. Bellevue’s rates are not much more expensive than the rest of Washington, which averages $463 per year for minimum coverage and $1,176 per 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 regarding the auto insurance companies in Bellevue might help you find the coverage you need at a price you can afford.

Best car insurance companies in Bellevue

When it comes to car insurance, Bellevue residents have plenty of options. Bankrate’s insurance editorial team reviewed the largest insurance carriers by market share in Washington. We began by analyzing average quoted premiums obtained from Quadrant Information Services. We also reviewed each company’s discounts, policy features, coverages and third-party rankings.

If you are shopping for the best car insurance in Bellevue, these companies could be a good starting point:

Insurance company J.D. Power score
(Northwest region)
Average annual premium for minimum coverage Average annual premium for full coverage
PEMCO 835 /1,000 $380 $1,041
Oregon Mutual Not rated $417 $922
Geico 821 /1,000 $427 $968
Progressive 817/1,000 $456 $1,055


PEMCO is one of the cheapest car insurance companies in Bellevue for minimum coverage, and the company’s average full coverage premium is lower than the city average as well. PEMCO vehicle insurance is generally inexpensive thanks to the number of discounts available. These include savings for educators and University of Washington alumni, young drivers with no citations and bundling coverage.

Oregon Mutual

Oregon Mutual could be a great choice if you are shopping for a low-cost full coverage policy. The company only sells coverage in a few states, including Washington, so its agents might be familiar with the needs of Washington drivers. Oregon Mutual offers several optional coverages to help you round out your policy, including accident forgiveness and child safety seat replacement.

Learn more: Oregon Mutual Insurance review


Bellevue drivers who like to handle their insurance digitally might want to get a quote from Geico, as the company has one of the most robust digital apps in the industry. Additionally, the company’s long list of discounts could help you save on your car insurance. You might lower your premium if you are a military member, federal employee, safe driver or good student. However, Geico’s coverage offerings are relatively basic, with only a few optional coverages to tailor your policy to your needs.

Learn more: Geico Insurance review


Progressive’s offers quite a bit of value for 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 option, can help you save time and money.

Learn more: Progressive Insurance review

Cheapest car insurance in Bellevue

Bellevue drivers pay an average of $538 per year for minimum coverage and $1,251 per year for full coverage. This is in line with the average cost of car insurance in Washington, where drivers pay an average of $1,176 annually for full car insurance. In comparison, the national average premium for full coverage is $1,674 per year. However, the following carriers, each with a large market share in Washington, offer Bellevue drivers lower average rates for car insurance:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $351 $873
Geico $427 $968
Progressive $456 $1,055
State Farm $510 $1,093
Travelers $541 $1,019

Although these companies tend to offer cheap rates, price is not the only factor to consider when comparing carriers. For example, USAA only sells coverage to current and retired military members and their immediate families. Geico has a long list of discounts, and State Farm has a large network of local agents. Making a list of what you are looking for in your car insurance provider and getting quotes from several companies could help you find the right options for you.

Bellevue insurance requirements

Washington requires drivers to have car insurance or they face a fine of $550 for driving uninsured. Washington’s minimum insurance requirements are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

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.

Although minimum coverage is all you need to legally drive, it might not be the best choice in the long run. You are responsible for paying for any injuries and damages that you cause in an at-fault accident, and if those bills exceed your insurance amount, you will have to pay out of pocket.

In addition, these minimum limits do not provide any coverage for your vehicle. Upgrading to full coverage car insurance will provide you with comprehensive and collision, which cover your vehicle. If you have a loan or lease on your car, your lender probably requires you to carry full coverage.

Car insurance discounts in Bellevue

Car insurance in Bellevue is less expensive than it is in the nation as a whole, but there are still ways to save. Check out the following common discounts:

  • Safety equipment: Vehicles that come fitted with the latest airbags and safety systems lower the risk of serious injury in a crash. Some safety features, like automatic braking, can even help prevent crashes. Safety features often qualify you for a car insurance discount.
  • Safe driver: Avoiding accidents, speeding tickets and claims helps you avoid surcharges on your policy that increase your premium and might lead to a discount.
  • Garaging: The Pacific Northwest is no stranger to severe weather. Snowstorms, heavy rain and wildfires are just some examples. If you keep your car in a garage to reduce the risk of weather damage, you might earn a discount.
  • Bundling: If you insure your home, condo or renters insurance with the same company that insures your auto, you could earn a discount on each policy.

Discounts are often listed on a company’s website, but because availability can vary, talking to a licensed agent might be the best way to identify savings opportunities.

Frequently asked questions

What is the best car insurance company in Bellevue?

The best car insurance companies in Bellevue include PEMCO, Oregon Mutual, Geico and Progressive. However, the best company for one driver might not be the best for someone else. To find the best carrier for your needs, get quotes from several companies and compare rates, policy options and third-party rankings.

How much does car insurance in Bellevue cost?

The average annual cost of car insurance in Bellevue, Washington is $538 for minimum coverage and $1,251 for full coverage car insurance. Rates in Bellevue are generally lower than the national average of $1,674 per year for full coverage.

Do I need full coverage in Bellevue?

Full coverage is not legally required in Bellevue, but if you have a loan or lease on your vehicle you will likely need to carry a full coverage policy to satisfy your lender’s requirements. Even if you do not have a loan or lease, full coverage might be a good idea as it provides you with more financial protection, in the form of coverage for damage to your vehicle, if you get into an accident.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN,, and
Edited by
Insurance Writer & Editor