For a 40-year-old driver with a clean record, car insurance in Bellevue, WA, averages about $267 a month ($3,203 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 5% over Washington’s average of $254 a month. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Bellevue table, at about $159 a month.
Bellevue costs less to insure than Seattle, just across Lake Washington. Our benchmark driver pays about $267 a month here, about $25 a month less than in Seattle, though still about $13 a month above the Washington average.
Our data covers five ZIP codes with a Bellevue mailing address, from about $258 a month in 98004 to $279 in 98007. The figures below show what a Bellevue car insurance policy costs at three coverage levels, so you can weigh more coverage against the price.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Bellevue ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Bellevue, WA, averages about $267 a month ($3,203 a year), and liability-only coverage at Washington’s 25/50/10 minimum averages $99 a month, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. The Washington average is $254 a month, which makes this 5% higher.
Safeco is far more expensive than the other insurers here: its full-coverage average of about $459 a month is 2.0 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Bellevue average would be about $228 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Bellevue table. USAA averages even less, at $127 a month, but it sells only to military members, veterans and their families. The four recent statewide Washington rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: two put GEICO first, one Oregon Mutual and one Mutual of Enumclaw, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among the six major insurers we compared (Allstate, GEICO, PEMCO, Progressive, Safeco and State Farm) that are among insurers anyone can buy from, at about $65 a month, followed by State Farm at $77. USAA comes in even lower, at about $51 a month, but it sells only to military families.
Full-coverage averages by insurer in Bellevue
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $783 | $65 | $1,909 | $159 |
| State Farm | $923 | $77 | $2,203 | $184 |
| Progressive | $1,055 | $88 | $2,555 | $213 |
| Allstate | $1,370 | $114 | $3,099 | $258 |
| PEMCO | $1,433 | $119 | $3,941 | $328 |
| Safeco | $1,579 | $132 | $5,509 | $459 |
| USAA (military families)* | $616 | $51 | $1,526 | $127 |
| American Family* | $1,395 | $116 | $2,405 | $200 |
| Travelers* | $1,170 | $98 | $2,559 | $213 |
| Farmers* | $1,122 | $94 | $2,651 | $221 |
| Bellevue average | $1,191 | $99 | $3,203 | $267 |
This table uses Bellevue ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Bellevue ZIP codes we price, full coverage for our driver ranges from about $258 a month in 98004 to $279 in 98007, a gap of $251 a year.
Lowest-priced Bellevue ZIP codes
Highest-priced Bellevue ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Bellevue’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 98004 | $1,162 | $97 | $3,091 | $258 | -3% |
| 98005 | $1,157 | $96 | $3,110 | $259 | -3% |
| 98006 | $1,202 | $100 | $3,185 | $265 | -1% |
| 98007 | $1,203 | $100 | $3,342 | $279 | +4% |
| 98008 | $1,230 | $103 | $3,287 | $274 | +3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $114 a year on average in our Bellevue data, with the same $500 deductibles. That’s about $10 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Bellevue ZIP codes, their full-coverage average fell from $3,522 a year nine months earlier to $3,462 in rates as of Aug. 31, 2026, a 1.7% drop. State Farm cut its Bellevue average 8.9% and Progressive 3.4%, while Allstate’s, PEMCO’s and Safeco’s averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Bellevue average above. Liability-only coverage at 25/50/10 limits rose 6.6%, led by Progressive, which raised its liability-only average 32.2%.
Bellevue is in King County, the second-most expensive of the 33 Washington counties we price, at about $283 a month for full coverage. Eastside cities are priced below the county average: Kirkland averages about $260 a month, Redmond $265, Sammamish $265 and Issaquah $268.
GEICO’s Bellevue average, about $159 a month, is its lowest of the six Washington cities we publish guides for, and its lead over State Farm ($184) is 14%. Insurers in Washington can price by where a car is kept, which is why neighboring areas can be priced differently.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Seattle, about six miles west, averages $292 a month, and Kent, about 16 miles south, $296. Tacoma averages $305. For the statewide picture, see our guide to Washington car insurance rates.
Every car insurance policy in Bellevue must meet Washington’s minimums. Each policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
The average cost of car insurance in Bellevue, WA, is about $267 a month ($3,203 a year) for full coverage and $99 a month for liability-only coverage at Washington’s 25/50/10 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 5% above the Washington average of $254 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Bellevue table, at about $159 a month, followed by State Farm at $184. USAA, which sells only to military members, veterans and their families, has a lower average still ($127 a month). For liability-only coverage, GEICO has the lowest average among insurers anyone can buy from, at about $65 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Bellevue full coverage averages about $267 a month and Seattle about $292, a difference of about $25 a month for the same driver and car.
In our data, 98004 has the lowest full-coverage average in Bellevue, at about $258 a month, and 98007 the highest, at about $279. The ZIP code table on this page lists all five.
In our Bellevue data, full coverage (100/300/100 with $500 deductibles) averages about $267 a month and liability-only coverage at 25/50/10 limits about $99, a difference of about $168 a month ($2,012 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Washington law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Bellevue must carry Washington’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10). Insurers must also include underinsured motorist coverage, which covers uninsured and hit-and-run drivers too, and personal injury protection unless you reject them in writing.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their Bellevue full-coverage average fell 1.7%, from about $3,522 to $3,462 a year. That’s higher than the Bellevue average of $3,203 because it leaves out GEICO. State Farm cut its Bellevue average 8.9% and Progressive 3.4%. Liability-only coverage at 25/50/10 limits rose 6.6%.
For our benchmark driver, full coverage in Bellevue averages about $267 a month. Nearby, Seattle averages about $292, Kent about $296 and Tacoma about $305. Bellevue is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
