Cheapest car insurance companies in Bellevue
A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and Nationwide in Bellevue for 2023.
Auto-Owners has the cheapest car insurance rates in Bellevue at an average cost of $1,231 per year.
When it comes to car insurance costs in Bellevue, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| USAA | $1,167 |
| Auto-Owners | $1,231 |
| Nationwide | $1,233 |
| Shelter Insurance | $1,581 |
| Geico | $1,654 |
| Progressive | $1,902 |
| Farmers Mut Ins Co of NE | $1,967 |
| State Farm | $2,128 |
| Iowa Farm Bureau | $2,267 |
| Allstate | $2,587 |
Cheapest car insurance cost in Bellevue by Age Group
Auto-Owners offers the cheapest full coverage car insurance for teenage drivers in Bellevue, with an average annual cost of $3,790 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
USAA provides the cheapest car insurance coverage for young drivers in Bellevue, with an annual premium of $1,945 on average.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Bellevue is USAA. Its average rate for a full coverage car insurance policy is $1,187 per year.
Bellevue senior drivers seeking affordable car insurance should look no further than Nationwide. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,117. It makes Nationwide a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $3,790 | $2,230 | $1,251 | $1,296 |
| USAA | $3,836 | $1,945 | $1,187 | $1,149 |
| Nationwide | $4,591 | $2,158 | $1,217 | $1,117 |
| Farmers Mut Ins Co of NE | $4,639 | $3,195 | $1,974 | $1,769 |
| Shelter Insurance | $5,023 | $3,000 | $1,621 | $1,468 |
| Geico | $5,850 | $2,580 | $1,652 | $1,916 |
| State Farm | $6,230 | $3,579 | $2,139 | $2,038 |
| Iowa Farm Bureau | $6,575 | $3,407 | $2,172 | $1,961 |
| Allstate | $8,208 | $3,850 | $2,657 | $2,521 |
| Progressive | $9,030 | $3,158 | $1,919 | $1,666 |
Cheapest car insurance companies in Bellevue by driver profile
When determining car insurance rates in Bellevue, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
To find the cheapest car insurance company in Bellevue, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Bellevue drivers based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide has the cheapest rates for Bellevue drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,441, Nationwide offers substantial savings among the insurers analyzed.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Bellevue.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,441 |
| USAA | $1,731 |
| Geico | $1,816 |
| Allstate | $2,730 |
| Farmers | $2,740 |
| Progressive | $3,924 |
| State Farm | $6,744 |
Cheapest for drivers with a speeding ticket: USAA
In Bellevue, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,303, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,303 |
| Geico | $1,335 |
| Nationwide | $1,338 |
| State Farm | $1,669 |
| Allstate | $1,904 |
| Progressive | $2,426 |
| Farmers | $2,438 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Bellevue for drivers involved in at-fault accidents, with an average annual cost of $1,754. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,754 |
| State Farm | $1,794 |
| Nationwide | $1,908 |
| Allstate | $2,544 |
| Geico | $2,774 |
| Farmers | $2,850 |
| Progressive | $3,212 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Bellevue for drivers with a DUI, with an average annual premium of $1,669.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,669 |
| USAA | $2,253 |
| Progressive | $2,437 |
| Nationwide | $2,480 |
| Allstate | $2,575 |
| Farmers | $2,942 |
| Geico | $6,227 |
Average car insurance cost in Bellevue
The average car insurance rate in Bellevue for full coverage is $1,772 per year or $148 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Bellevue is $454 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,772 | $454 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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