Car Insurance Cost in Bellevue, WA – Quotes Compared + Cheapest (2025)

• The average cost of car insurance in Bellevue is 5.1% more than the national average rate of $2,221.
• Monthly auto insurance rates for a few popular models in Bellevue include the Toyota RAV4 at $180, Jeep Wrangler at $223, and Ford Explorer at $177.
• Small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, Mazda CX-5, and Volkswagen Tiguan have the best chance of getting cheap car insurance in Bellevue.
• Models with the lowest cost car insurance in Bellevue in their respective segments include the Acura Integra, Honda Passport, Toyota GR Corolla, and Subaru Crosstrek.
• Car insurance quotes in Bellevue can vary from as little as $26 per month for minimum liability limits to over $697 per month for accident or violation prone drivers.

How much is car insurance in Bellevue, WA?

Average car insurance rates in Bellevue, WA, cost $2,338 per year, or around $195 per month. That’s 5.1% more expensive than the overall overall national average rate of $2,221 per year.

In the state of Washington, average car insurance cost is $2,304 per year, so the average cost in Bellevue is $34 more per year. The average cost of auto insurance in Bellevue compared to other Washington locations is $194 per year less than in Tacoma, $168 per year more expensive than in Spokane, and $68 per year more than in Vancouver.

The age of the driver has a big impact on the price you pay for car insurance. The list below details how age impacts cost by showing average car insurance rates in Bellevue depending on driver age.

Car insurance cost in Bellevue, Washington, for drivers age 16 to 60

• 16 year old – $8,327 per year or $694 per month
• 17 year old – $8,067 per year or $672 per month
• 18 year old – $7,232 per year or $603 per month
• 19 year old – $6,582 per year or $549 per month
• 20 year old – $4,704 per year or $392 per month
• 30 year old – $2,494 per year or $208 per month
• 40 year old – $2,338 per year or $195 per month
• 50 year old – $2,072 per year or $173 per month
• 60 year old – $1,942 per year or $162 per month

The chart below summarizes auto insurance cost in Bellevue, WA, for different common policy situations. Rates are averaged for all Bellevue Zip Codes and shown based on a wide range of driver ages, deductibles, and risk profiles.

The average cost of auto insurance per month in Bellevue is $195, and ranges from $162 to $448 for drivers age 20 to 60 with the assigned risk profiles in the chart above.

Auto insurance rates can cost very different amounts for different drivers and can also be significantly different between companies. Since the chances of having many different rates is high, this reinforces the need for accurate car insurance quotes when shopping online for the cheapest rate.

Bellevue’s favorite vehicles and the cost to insure them

The rates referenced earlier in this article are averaged for all 2024 vehicle models, which is handy when making general comparisons such as the difference in average car insurance cost between two Washington cities.

Average car insurance rates work well when presented with a question like “is auto insurance cheaper in Bellevue or Seattle?” or “are Washington auto insurance rates cheaper than in Illinois?”.

But for more useful car insurance rate comparisons, the data will be better if we look at the exact make and model of vehicle being insured. Each individual vehicle model has slightly different risk exposures for rating purposes and this data allows us to perform detailed comparisons.

The chart below shows insurance rates for some of the more popular cars, trucks, and SUVs insured in Bellevue. Towards the end of this article, we will examine rates for some of these vehicles in much more detail.

Models that are popular in Bellevue tend to be small or midsize sedans like the Honda Civic, Nissan Sentra, and Toyota Camry and small or midsize SUVs like the Honda CR-V and Toyota Highlander.

Some additional popular vehicles from other segments include luxury cars like the Acura ILX and Tesla Model S, luxury SUVs like the BMW X5 and Acura MDX, and models from the pickup truck segment like the Chevy Silverado and Ford Ranger.

We get into car insurance rates for many more models later on in this article, but before we dive into that data, let’s review in a nutshell the concepts that were presented in the data up to this point.

• Bellevue, WA, car insurance costs more than the U.S. average – $2,338 (Bellevue average) versus $2,221 (U.S. average)
• Bellevue auto insurance prices are more expensive than the Washington state average – $2,338 (Bellevue average) compared to $2,304 (Washington average)
• Auto insurance gets more affordable as you age – Average car insurance rates for a 40-year-old driver in Bellevue are $2,366 per year cheaper than for a 20-year-old driver.
• Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $1,256 more per year for $250 deductibles versus $1,000 deductibles.
• Cost per month ranges from $162 to $694 – That’s the average auto insurance price range for drivers aged 16 to 60 in Bellevue, Washington.
• Car insurance rates decline significantly in your twenties – The average 30-year-old Bellevue driver will pay $2,210 less per year than a 20-year-old driver, $2,494 versus $4,704.

Which vehicles cost the least to insure in Bellevue, WA?

The vehicles with the most affordable auto insurance rates in Bellevue tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross. Average car insurance rates for those compact SUVs cost $158 or less per month for a full coverage policy.

Some other models that have low-cost insurance rates in our insurance cost comparison are the Honda HR-V, Volkswagen Tiguan, Volkswagen Taos, and Buick Encore.

Average insurance cost is slightly more for those models than the compact SUVs and crossovers at the top of the list, but they still have average rates of $170 or less per month in Bellevue.

The following table details the top 20 cheapest vehicles to insure in Bellevue, ordered by annual cost.

A table of 20 vehicles with the cheapest insurance in Bellevue is fine if you just want a vehicle with dirt cheap insurance rates. But considering we track over 700 vehicles, less than 3% of makes and models are shown in the table. Let’s try a different approach and break out the models with the cheapest rates a better way.

This next section details the different automotive segments and the average cost of auto insurance in Bellevue. This will provide a good understanding of the general vehicle types that have the overall least expensive Bellevue car insurance rates. The six sections after the chart break out the models with the most affordable car insurance for the most popular segments.

Average cost to insure by automotive segment

If you are considering buying a new vehicle, it’s in your best interest to know which kinds of vehicles are cheaper to insure.

As an example, you may be curious if compact SUVs have cheaper insurance than midsize SUVs or if full-size SUVs cost more to insure than midsize or compact SUVs.

The chart below shows average auto insurance rates in Bellevue for different vehicle segments. From an overal segment perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the least expensive rates, while exotic models have the highest average insurance cost.

Average rates by automotive segment can be used to form a general comparison, but insurance cost varies considerably within each segment listed above.

For example, in the small luxury car segment, average Bellevue car insurance rates range from the Acura Integra costing $2,078 per year for full coverage insurance to the BMW M340i costing $2,854 per year.

As another example, in the sports car segment, the cost of insurance ranges from the Mazda MX-5 Miata at $2,164 per year up to the Mercedes-Benz SL 63 costing $4,804 per year, a difference of $2,640 within that segment.

In the sections going forward, we eliminate a lot of this variability by analyzing average auto insurance cost for specific cars, trucks, and SUVs.

Cheapest car insurance rates in Bellevue

Ranking #1 in Bellevue for cheapest average insurance in the car segment is the Toyota GR Corolla, at $2,032 per year. Second place is the Nissan Leaf costing $2,046 per year, and ranking third is the Honda Civic, costing an average of $2,068 per year.

Other cars that rank well are the Chevrolet Malibu, Toyota Prius, Honda Accord, and Toyota Corolla, with average insurance cost of $2,278 per year or less.

As a cost per month, auto insurance in Bellevue on this segment for a safe driver starts at around $169 per month, depending on the company.

If ranked by vehicle size, the most budget-friendly compact car to insure in Bellevue is the Toyota GR Corolla at $2,032 per year. For midsize cars, the Kia K5 has the best rates at $2,250 per year. And for full-size cars, the Chrysler 300 has the cheapest car insurance rates at $2,226 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost car insurance in Bellevue, starting with the Toyota GR Corolla at $2,032 per year and ending with the Mazda 3 at $2,416 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bellevue car insurance quotes from top car insurance companies in Washington.

SUVs with the best auto insurance rates

The top-ranked vehicle in Bellevue for cheapest insurance in the non-luxury SUV segment is the Subaru Crosstrek, with an average cost of $1,728 per year. Second place is the Chevrolet Trailblazer costing $1,758 per year, and third place goes to the Kia Soul, at an average of $1,826 per year.

Also ranking in the top 10 are SUVs like the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Mazda CX-5, with average rates of $1,916 per year or less.

On a monthly basis, full-coverage car insurance in Bellevue on this segment for an average middle-age driver starts at around $144 per month, depending on your location.

The comparison table below ranks the twenty SUVs with the cheapest insurance rates in Bellevue, starting with the Subaru Crosstrek at $1,728 per year ($144 per month) and ending with the Subaru Ascent at $2,034 per year ($170 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bellevue car insurance quotes from top-rated companies in Washington.

Luxury cars with cheap insurance in Bellevue

The top-ranked vehicle in Bellevue for the most affordable average insurance rates in the luxury sedan segment is the Acura Integra, costing an average of $2,078 per year. Second place is the BMW 330i costing $2,380 per year, and ranking third is the Mercedes-Benz CLA250, costing an average of $2,406 per year.

Other models that have cheaper rates are the Cadillac CT4, Genesis G70, Lexus RC 300, and Mercedes-Benz AMG CLA35, with an average car insurance cost of $2,458 per year or less.

Some additional 2024 luxury models worth mentioning include the Lexus ES 250, Audi S3, Cadillac CT5, BMW 330e, and BMW 228i, which average between $2,458 and $2,620 to insure per year.

On a monthly basis, auto insurance in this segment for an average middle-age driver will start around $173 per month, depending on the company. The table below ranks the twenty cars with the cheapest insurance rates in Bellevue, starting with the Acura Integra at $2,078 per year ($173 per month) and ending with the Audi S3 at $2,620 per year ($218 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Bellevue car insurance quotes from the best companies in Washington.

Most affordable luxury SUV insurance rates in Bellevue

Out of all 2024 models, the top five cheapest SUVs to insure in Bellevue are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Rates for for these vehicles range from $1,956 to $2,208 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 450h, and Lexus NX 350h, with an average cost to insure of $2,254 per year or less.

Full-coverage auto insurance in Bellevue for this segment for the average driver can cost as low as $163 per month, depending on your company and location.

When vehicle size is considered, the cheapest small luxury SUV to insure in Bellevue is the Acura RDX at $1,956 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,186 per year. And for large luxury SUV models, the Infiniti QX80 has the best rates at $2,620 per year.

The rate comparison table below ranks the SUVs with the most affordable insurance rates in Bellevue, starting with the Acura RDX at $163 per month and ending with the Lexus RX 350 at $196 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Washington.

Cheapest pickup trucks to insure in Bellevue, WA

The Chevrolet Colorado comes in at #1 as the most budget-friendly pickup truck to insure in Bellevue, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model has an average cost of $2,060 per year to insure with full coverage.

Not the cheapest pickups to insure, but still affordable, are pickups like the Hyundai Santa Cruz, GMC Sierra 2500 HD, GMC Canyon, and Honda Ridgeline, with average insurance cost of $2,404 per year or less.

From a cost per month standpoint, car insurance in Bellevue on this segment starts at around $172 per month, depending on your location. The next table ranks the twenty pickups with the cheapest average auto insurance rates in Bellevue, starting with the Chevrolet Colorado at $2,060 per year ($172 per month) and ending with the Ram Truck at $2,702 per year ($225 per month).

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bellevue car insurance quotes from top-rated companies in Washington.

Sports cars with affordable auto insurance rates

Ranked at #1 in Bellevue for cheapest average insurance rates in the sports car segment is the Mazda MX-5 Miata, with an average cost of $2,164 per year. Second place is the Toyota GR86 at $2,464 per year, coming in third is the Ford Mustang, at an average of $2,570 per year, and fourth place goes to the BMW Z4, at an average of $2,580 per year.

Other cars that are affordable to insure include the Subaru BRZ, Lexus RC F, Toyota GR Supra, and BMW M2, with average insurance cost of $2,796 per year or less.

Ranked from 10th to 20th place, models like the Lexus LC 500, BMW M4, BMW M3, Mercedes-Benz AMG GT53, and Jaguar F-Type average between $2,796 and $3,958 per year for full-coverage insurance.

From a monthly standpoint, full-coverage insurance in Bellevue on this segment starts at around $180 per month, depending on the company and your location. The rate comparison table below ranks the twenty sports cars with the lowest-cost average insurance rates in Bellevue, starting with the Mazda MX-5 Miata at $2,164 per year and ending with the Porsche Taycan at $3,958 per year.

Don’t see your sports car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Washington.

Tips for finding cheaper Bellevue auto insurance

Bellevue drivers are always searching for ways to reduce their monthly car insurance expenses, so glance through the money-saving ideas in this next list to see if you can save a few bucks on your next policy purchase.

• Remain claim free. Most insurers offer a discount for not filing any claims. Car insurance is intended to be used for significant claims, not for minor claims that can easily be paid out-of-pocket.
• Careless drivers have higher auto insurance rates. Having multiple accidents could cost you more, possibly by an additional $1,128 per year for a 30-year-old driver and even as much as $704 per year for a 50-year-old driver. So be safe and save.
• Citations and violations increase insurance cost. If you want affordable auto insurance in Bellevue, it’s necessary to follow traffic laws. Just one or two minor driving infractions could possibly increase policy rates by at least $622 per year. Serious misdemeanors such as failing to stop at the scene of an accident could raise rates by an additional $2,172 or more.
• Compare insurance costs before buying a car. Different cars, trucks, and SUVs can have significantly different car insurance premiums, and auto insurance companies can sell policies with very different rates. Check the price before you purchase in order to avoid any surprises when buying coverage for your new car.
• Increase physical damage deductibles to save money. Increasing your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Your employment could earn you policy discounts. The large majority of car insurance companies offer policy discounts for occupations like doctors, firefighters, high school and elementary teachers, emergency medical technicians, scientists, and others. By getting this discount, you could save between $70 and $227 on your annual car insurance cost, subject to policy limits.