Car Insurance in Bellevue, Washington
Estimated full coverage in Bellevue runs about $1,485 a year ($124/month) — ▲ +8% versus the Washington average, ranking 8th most expensive of the 13 Washington cities we cover.
Why car insurance in Bellevue costs more than the Washington average
Insurers price by territory, and Bellevue's numbers explain most of the gap. With 154,377 residents on 33.5 square miles, the city's density (4,613 people per square mile) is 6.3 times the density where the typical Washington resident lives (737). The average commute is 23.6 minutes (Washington: 26.6), and 46% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.07× for comprehensive once FEMA weather risk for King County is included.
| Factor | Bellevue | Washington ref. | Why it matters |
|---|---|---|---|
| Population density | 4,613 / sq mi | 737 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.6 min | 26.6 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 45.6% | — | Share of workers commuting by car. |
| Public transit to work | 5.1% | — | Transit use lowers how much residents drive. |
| Work from home | 35.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 9.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 50.2 | 53.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Bellevue
Rates can change from one ZIP code to the next. Across 5 Bellevue ZIP codes, our full-coverage estimate ranges from $1,440 in 98005 to $1,515 in 98006. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 98006 | 40,009 | 3,558 | 27.5 min | 3.8% | $1,515 | +2% |
| 98004 | 39,897 | 5,488 | 21.3 min | 15.6% | $1,470 | −1% |
| 98007 | 27,692 | 6,410 | 22.7 min | 10.7% | $1,500 | +1% |
| 98008 | 27,242 | 4,901 | 22.8 min | 2.5% | $1,480 | 0% |
| 98005 | 21,846 | 2,977 | 22.5 min | 7.0% | $1,440 | −3% |
Minimum car insurance in Bellevue
Bellevue drivers follow Washington's rules: at least 25/50/10 liability coverage. Washington is at-fault (tort). We estimate state-minimum coverage in Bellevue at $635 a year, and $920 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | 10,000 medical Insurers must offer personal injury protection (at least $10,000 medical); it is added to the policy unless rejected in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included unless the named insured or spouse rejects it in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist bodily injury and property damage coverage may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are addressed through PIP, which must be offered. | Medical bills for you and your passengers |
A $60,000 liability bond or deposit can be used instead of an insurance policy.
Risk factors that shape Bellevue premiums
Accidents
Washington recorded 730 traffic deaths, or 1.21 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Washington's vehicle theft rate is 259 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates King County as very low for hail, very high for inland flooding and very low for strong wind.
Traffic & commuting
5.1% of Bellevue commuters spend an hour or more getting to work, and there are 1.62 vehicles per household. 35.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 3.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 73.2 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 71.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 4.5 | Comprehensive; dwelling | |
| Winter weather | 94.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Bellevue by driver profile
A clean-record driver in their 50s pays the least in our Bellevue model (about $1,365 for full coverage); an 18-year-old on their own policy pays about $4,085, and a DUI pushes a 30-something to $2,750.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,745 | $2,530 | $4,085 | $340 |
| Young adult (22) | $1,015 | $1,475 | $2,380 | $198 |
| Adult in their 30s | $635 | $920 | $1,485 | $124 |
| Adult in their 50s | $585 | $845 | $1,365 | $114 |
| Senior (72) | $710 | $1,030 | $1,665 | $139 |
| 30s, one at-fault accident | $920 | $1,335 | $2,155 | $180 |
| 30s, DUI on record | $1,175 | $1,705 | $2,750 | $229 |
Minimum vs. standard vs. full coverage in Bellevue
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $635 | $53 | $520–$750 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $920 | $77 | $755–$1,085 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,485 | $124 | $1,220–$1,755 |
Estimate your premium in Bellevue
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Cheap car insurance in Bellevue: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Bellevue's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $80 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 35.6% of Bellevue workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $310 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $565 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $330 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Bellevue
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 35 offices listed below.
- Check complaint records with the Washington State Office of the Insurance Commissioner (complaint information) before you buy.
- Mention your ZIP code accurately — within Bellevue, our estimates differ by up to $75 a year between neighborhoods.
Car insurance agents near Bellevue, WA
We found 35 insurance offices within about 4 miles of central Bellevue, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Nicholas D Sooy - Farmers Insurance
14850 Lake Hills Blvd, Bellevue, WA 98007 -
Baker Agency LLC
12822 SE 32nd St, Unit 212, Bellevue, WA 98005 -
Jeffrey Norton - Allstate
13231 SE 36th St, Ste 240, Bellevue, WA 98006 -
Dongmei Wang - Farmers Insurance
345 118th Ave SE, Bellevue, WA 98005 -
Johnson M Marshall - Farmers Insurance
11911 NE 1st St, Bellevue, WA 98005 -
Michael Clarence McGlinchey - Farmers Insurance
1130 140th NE, Bellevue, WA 98005 -
Chong P Yun - Farmers Insurance
1130 140th Ave NE, Bellevue, WA 98005 -
Tyler Tanta - Farmers Insurance
12600 SE 38th St, Bellevue, WA 98006 -
Jeanie Do - American Family Insurance
13555 NE Bel Red Rd, Ste 206, Bellevue, WA 98005 -
David J Wenzler - Farmers Insurance
1409 140th Pl NE, Bellevue, WA 98007 -
Theresa Nguyen - State Farm
1550 140th Avenue NE, Suite 100, Bellevue, WA 98005 -
Zeshar Insurance Services
12001 Northeast 12th Street, Ste 79, Bellevue, WA 98005 -
Keith A Robinson - Farmers Insurance
40 Lk Bellevue Dr, Bellevue, WA 98005 -
Jimmy Boyle - State Farm
4140 Factoria Blvd SE, Suite 1D, Bellevue, WA 98006 -
The Denslow Agency
330 112th Ave NE, Ste 304, Bellevue, WA 98004 -
Allstate
WA -
Albert Tadevosyan - State Farm
520 112th Ave NE, Suite 101, Bellevue, WA 98004 -
Wilson Hui - Allstate
16301 NE 8th St, Ste 140, Bellevue, WA 98008 -
Paul Akifumi Chinen - Farmers Insurance
1279 120th Ave NE, Bellevue, WA 98005 -
Xue Li - Farmers Insurance
1840 130th Ave NE, Bellevue, WA 98005 -
Hayk Tadevosyan - State Farm
52 Lakeshore Plaza, Suite A, Kirkland, WA 98033 -
McLaughlin & Associates, LLC
10900 NE 4th St, Ste 2300, Bellevue, WA 98004 -
Malinda Zampera - State Farm
10808 NE 2nd Place, Bellevue, WA 98004 -
Stacie Bendokas - GEICO
14310 Northeast 20th Street, Suite A, Bellevue, WA 98007 -
Jeremy Olson - Allstate
10900 NE 8th St, Ste 1010, Bellevue, WA 98004 -
Superior Underwriters
WA -
Thida Sin - Farmers Insurance
4 102nd Ave NE, Bellevue, WA 98004 -
Katie Kelly - State Farm
12356 Northrup Way, Suite 104a, Bellevue, WA 98005 -
Dennis J Sutich - Farmers Insurance
10210 NE 8th St, Bellevue, WA 98004 -
Nicole Lamphier - State Farm
2725 152nd Avenue NE, Redmond, WA 98052 -
State Farm
WA -
Mark L. Frandsen - Allstate
5624 119th Ave SE, Bellevue, WA 98006 -
Meng Huai Peng - Farmers Insurance
4205 148th Ave NE, Bellevue, WA 98007 -
Toby Stevens - State Farm
3805 108th Avenue NE, Suite 222, Bellevue, WA 98004 -
Isaac Nathan Cole - Farmers Insurance
4055 Lk Washington Blvd NE, Kirkland, WA 98033
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Bellevue
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,130 | −24% |
| Subaru Outback | Wagon | $1,105 | −26% |
| Tesla Model 3 | Midsize car | $1,555 | +5% |
| Subaru Forester | Small SUV | $1,080 | −27% |
| Honda Civic | Compact car | $1,720 | +16% |
| Toyota Corolla | Compact car | $1,615 | +9% |
| Jeep Wrangler | Midsize SUV | $1,315 | −11% |
| Mazda CX-5 | Small SUV | $1,270 | −14% |
| MINI Cooper | Subcompact car | $1,135 | −24% |
| Tesla Model Y | Midsize SUV | $1,395 | −6% |
More car insurance topics in Bellevue
Car insurance in nearby Washington cities
- Renton $1,570/yr · 8 mi
- Seattle $1,580/yr · 9 mi
- Kent $1,570/yr · 15 mi
- Lynnwood $1,585/yr · 17 mi
- Auburn $1,540/yr · 20 mi
- Everett $1,505/yr · 25 mi
- Tacoma $1,560/yr · 28 mi
- Bellingham $1,380/yr · 81 mi
- Yakima $1,390/yr · 103 mi
- Vancouver $1,470/yr · 137 mi
- Spokane $1,430/yr · 220 mi
- Spokane Valley $1,420/yr · 229 mi
All Washington cities and state rules · Homeowners insurance in Bellevue
Frequently asked questions
How much is car insurance in Bellevue, WA?
We estimate full coverage in Bellevue at about $1,485 a year ($124 a month) for a driver in their 30s with a clean record, and about $635 for Washington's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Bellevue more expensive than the Washington average?
Our Bellevue estimate is 8% higher than the statewide figure. The model reflects a population density of 4,613 people per square mile (the typical Washington resident lives at about 737) and an average commute of 23.6 minutes versus 26.6 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Bellevue?
Drivers in Bellevue follow Washington law: at least 25/50/10 liability coverage.
Which ZIP code in Bellevue has the cheapest car insurance?
Among Bellevue's 5 ZIP codes, 98005 has the lowest estimate (about $1,440 a year for full coverage) and 98006 the highest (about $1,515), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Bellevue?
An 18-year-old with their own full-coverage policy would pay around $4,085 a year in Bellevue by our estimate ($1,745 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Bellevue?
Yes. FEMA's National Risk Index rates King County for inland (river) flooding (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Bellevue?
We list 35 insurance offices in and around Bellevue, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Washington OIC: Washington State's mandatory auto/motorcycle insurance law
- Washington OIC: Personal injury protection (PIP)
- RCW 48.22.030 (underinsured motorist coverage; written rejection)
- Washington DOL: Financial responsibility (SR-22)
- Washington OIC: File a complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Bellevue and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places