Best Cheap Auto Insurance in Bellingham, WA (2021)

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.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

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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.

Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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

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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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bellingham, Washington

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Bellingham, Washington

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.

Annual Bellingham, Washington Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Bellingham, Washington

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.

Annual Auto Insurance Rates by Credit Score in Bellingham, Washington

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

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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.

Annual Auto Insurance Rates by ZIP Code in Bellingham, Washington

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.

Annual Auto Insurance Rates by Commute Length in Bellingham, Washington

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.

Annual Auto Insurance Rates by Coverage Level in Bellingham, Washington

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

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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.

Best Annual Auto Insurance Rates by Company in Bellingham, Washington

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.

Average Annual Auto Insurance Rates by Company in Bellingham, Washington

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

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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