Bellingham, WA Auto Insurance (2024)
The average Bellingham, WA auto insurance rates are $214 per month. The minimum auto insurance in Bellingham is at least 25/50/10 in coverage to comply with Washington auto insurance laws. To find the best cheap auto insurance in Bellingham, Washington, compare quotes from multiple companies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Bellingham, WA for senior drivers are $1,379 per year
- The average commute length in Bellingham is 18.5 minutes
- The cheapest auto insurance company in Bellingham is Nationwide
Bellingham, Washington auto insurance requirements are 25/50/10 according to Washington auto insurance laws. Finding cheap auto insurance in Bellingham can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bellingham, Washington, including driving record, credit, commute time, and more.
Compare auto insurance in Bellingham to other Washington cities, including Bellevue auto insurance rates, Everett auto insurance rates, and Federal Way auto insurance rates to see how Bellingham, Washington auto insurance rates stack up.
Before you buy Bellingham, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bellingham, Washington auto insurance quotes.
Minimum Auto Insurance in Bellingham, Washington
Bellingham, Washington auto insurance laws require that you have at least the Washington minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bellingham, Washington.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Bellingham, Washington Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Bellingham, Washington are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,774 | $1,761 | $1,639 | $1,713 | $5,947 | $6,855 | $1,889 | $1,963 |
| American Family | $1,699 | $1,699 | $1,551 | $1,551 | $6,459 | $8,819 | $1,699 | $2,276 |
| Farmers | $1,810 | $1,856 | $1,657 | $1,869 | $4,108 | $4,410 | $2,277 | $2,377 |
| Geico | $1,397 | $1,422 | $1,312 | $1,312 | $3,022 | $3,948 | $2,352 | $1,716 |
| Liberty Mutual | $1,528 | $1,669 | $1,369 | $1,601 | $8,412 | $9,271 | $1,632 | $1,776 |
| Nationwide | $1,259 | $1,286 | $1,172 | $1,219 | $3,362 | $4,091 | $1,498 | $1,614 |
| Progressive | $1,351 | $1,261 | $1,218 | $1,233 | $6,836 | $7,648 | $1,614 | $1,605 |
| State Farm | $1,373 | $1,373 | $1,236 | $1,236 | $3,964 | $5,014 | $1,561 | $1,792 |
| USAA | $1,001 | $988 | $965 | $965 | $4,226 | $4,993 | $1,258 | $1,375 |
Cheap Bellingham, Washington Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Bellingham, Washington is a challenge. Take a look at the annual teen auto insurance rates in Bellingham, Washington.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,947 | $6,855 |
| American Family | $6,459 | $8,819 |
| Farmers | $4,108 | $4,410 |
| Geico | $3,022 | $3,948 |
| Liberty Mutual | $8,412 | $9,271 |
| Nationwide | $3,362 | $4,091 |
| Progressive | $6,836 | $7,648 |
| State Farm | $3,964 | $5,014 |
| USAA | $4,226 | $4,993 |
Cheap Bellingham, Washington Auto Insurance for Seniors
What are senior auto insurance rates in Bellingham, Washington? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,639 | $1,713 |
| American Family | $1,551 | $1,551 |
| Farmers | $1,657 | $1,869 |
| Geico | $1,312 | $1,312 |
| Liberty Mutual | $1,369 | $1,601 |
| Nationwide | $1,172 | $1,219 |
| Progressive | $1,218 | $1,233 |
| State Farm | $1,236 | $1,236 |
| USAA | $965 | $965 |
Cheap Bellingham, Washington Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bellingham, Washington compared to the annual auto insurance rates with a clean record in Bellingham, Washington.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,498 | $3,089 | $3,407 | $2,777 |
| American Family | $2,582 | $3,305 | $3,826 | $3,164 |
| Farmers | $2,106 | $2,618 | $2,843 | $2,617 |
| Geico | $1,592 | $2,033 | $3,023 | $1,592 |
| Liberty Mutual | $2,910 | $3,659 | $3,733 | $3,327 |
| Nationwide | $1,512 | $2,037 | $2,550 | $1,651 |
| Progressive | $2,305 | $3,608 | $2,688 | $2,781 |
| State Farm | $1,995 | $2,393 | $2,194 | $2,194 |
| USAA | $1,453 | $2,100 | $2,617 | $1,716 |
Cheap Bellingham, Washington Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Bellingham, Washington is not easy. Compare the annual rates for DUI auto insurance in Bellingham, Washington to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,407 |
| American Family | $3,826 |
| Farmers | $2,843 |
| Geico | $3,023 |
| Liberty Mutual | $3,733 |
| Nationwide | $2,550 |
| Progressive | $2,688 |
| State Farm | $2,194 |
| USAA | $2,617 |
Cheap Bellingham, Washington Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Bellingham, Washington annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,655 | $2,783 | $2,390 |
| American Family | $3,799 | $3,103 | $2,756 |
| Farmers | $3,103 | $2,347 | $2,187 |
| Geico | $2,452 | $1,962 | $1,766 |
| Liberty Mutual | $4,861 | $3,002 | $2,359 |
| Nationwide | $2,301 | $1,816 | $1,696 |
| Progressive | $3,134 | $2,797 | $2,605 |
| State Farm | $3,184 | $1,911 | $1,486 |
| USAA | $2,486 | $1,824 | $1,604 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Bellingham, Washington Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Bellingham, Washington can vary. Compare the annual cost of auto insurance by ZIP code in Bellingham, Washington to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 98225 | $2,555 |
| 98226 | $2,564 |
| 98229 | $2,583 |
Cheap Bellingham, Washington Auto Insurance Rates By Commute
Commute length and annual mileage affect Bellingham, Washington auto insurance. Find the cheapest annual Bellingham, Washington auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $2,943 | $2,943 |
| American Family | $3,153 | $3,285 |
| Farmers | $2,546 | $2,546 |
| Geico | $2,034 | $2,086 |
| Liberty Mutual | $3,407 | $3,407 |
| Nationwide | $1,938 | $1,938 |
| Progressive | $2,846 | $2,846 |
| State Farm | $2,133 | $2,254 |
| USAA | $1,952 | $1,991 |
Cheap Bellingham, Washington Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Bellingham, Washington? Check out the comparison of annual Bellingham, Washington auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,790 | $2,934 | $3,104 |
| American Family | $3,043 | $3,215 | $3,400 |
| Farmers | $2,377 | $2,549 | $2,712 |
| Geico | $1,934 | $2,061 | $2,185 |
| Liberty Mutual | $3,201 | $3,412 | $3,608 |
| Nationwide | $1,835 | $1,937 | $2,041 |
| Progressive | $2,582 | $2,775 | $3,180 |
| State Farm | $2,043 | $2,203 | $2,335 |
| USAA | $1,845 | $1,969 | $2,100 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Best By Category: Cheapest Auto Insurance in Bellingham, Washington
Compare the cheapest auto insurance companies in Bellingham, Washington in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Bellingham, Washington Auto Insurance Companies
What auto insurance companies in Bellingham, Washington are the cheapest? Compare the top Bellingham, Washington auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,943 |
| American Family | $3,219 |
| Farmers | $2,546 |
| Geico | $2,060 |
| Liberty Mutual | $3,407 |
| Nationwide | $1,938 |
| Progressive | $2,846 |
| State Farm | $2,194 |
| USAA | $1,971 |
What affects auto insurance rates in Bellingham, Washington?
There are a lot of reasons why auto insurance rates in Bellingham, Washington are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bellingham, Washington. Many local factors may affect your Bellingham auto insurance rates.
Bellingham Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Bellingham, Washington auto theft statistics, there have been 165 auto thefts in the city.
Bellingham Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bellingham, Washington commute length is 18.5 minutes according to City-Data.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Compare Bellingham, Washington Auto Insurance Quotes
Before you buy Bellingham, Washington auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bellingham, Washington auto insurance quotes.
Frequently Asked Questions
What is Bellingham, WA auto insurance?
Bellingham, WA auto insurance refers to insurance coverage specifically designed for vehicles registered and operated within the city of Bellingham, Washington. It provides financial protection against potential losses resulting from accidents, theft, or other damages to your vehicle or property.
Why do I need auto insurance in Bellingham, WA?
Auto insurance is mandatory in Bellingham, WA, as it is in most states across the United States. The primary purpose of auto insurance is to protect you and other drivers from financial liabilities that may arise due to accidents or damages. It ensures that you have the means to cover any medical expenses, property damage, or legal costs resulting from an accident.
What types of auto insurance coverage are available in Bellingham, WA?
Bellingham, WA offers various types of auto insurance coverage, including:
- Liability Coverage: Covers the costs associated with bodily injury or property damage you cause to others in an accident.
- Collision Coverage: Pays for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
- Comprehensive Coverage: Protects your vehicle against non-collision-related damages, such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): Covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Provides coverage if you’re involved in an accident with a driver who has insufficient or no insurance.
How are auto insurance rates determined in Bellingham, WA?
Several factors influence auto insurance rates in Bellingham, WA, including:
- Age and driving experience
- Vehicle make, model, and year
- Driving record and history of claims
- ZIP code and location within Bellingham
- Credit score and financial history
- Deductible amount and coverage limits
Where can I find more information about auto insurance in Bellingham, WA?
For more information about auto insurance in Bellingham, WA, you can visit the websites of insurance providers operating in the area. Additionally, you may find helpful resources and information from the Washington State Office of the Insurance Commissioner (OIC) or consult with local insurance agents or brokers who can provide personalized guidance and answer specific questions.
Can I use my Bellingham, WA auto insurance coverage outside of the city or state?
Yes, in most cases, your auto insurance coverage extends beyond Bellingham and Washington state. However, it’s essential to review your policy or consult with your insurance provider to understand the specific terms and limitations of your coverage when driving outside the area.
What happens if I let someone else drive my car in Bellingham, WA?
Generally, auto insurance follows the vehicle rather than the driver. If you give permission to someone else to drive your car in Bellingham, WA, your insurance coverage should apply in the event of an accident. However, it’s important to note that if the person driving is not listed on your policy and is a frequent driver of your vehicle, you may need to add them to your policy to ensure adequate coverage.
Are there any auto insurance discounts available for Bellingham, WA residents?
Yes, insurance companies often offer various discounts to help reduce premiums. Some common discounts include:
- Good driver discount: For maintaining a clean driving record.
- Multi-vehicle discount: If you insure multiple vehicles with the same provider.
- Bundling discount: If you have multiple policies (such as auto and home) with the same insurer.
- Safe driver program: Completing a defensive driving course.
- Student discounts: Available for high-achieving students or those attending school away from home.
Can my credit score affect my auto insurance rates in Bellingham, WA?
Yes, in most states, including Washington, insurance companies may consider your credit score when determining your auto insurance rates. Statistically, individuals with lower credit scores tend to file more insurance claims. However, not all insurance companies weigh credit scores equally, so it’s a good idea to shop around and inquire about how your credit score may impact your rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.