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Get Cheap Car Insurance in Bellingham, WA
We monitor insurance prices, helping the average driver in Bellingham save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Bellingham
The chart below shows the cheapest car insurance company in Bellingham for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| Bellingham Insurer | Monthly Cost |
|---|---|
| Metromile | $49 |
| State Farm | $54 |
| Progressive | $59 |
| Geico | $64 |
Savings for Every Kind of Bellingham Driver
Based on our extensive insurance data, we know the average Bellingham driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $410 per year by choosing the right vehicle insurance company. Some Bellingham residents are paying out over $1,399 extra every year for auto insurance in Bellingham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bellingham, WA Savings / Yr. |
|---|---|
$410 |
|
$724 |
|
$521 |
|
$395 |
|
$1,498 |
|
$283 |
|
$485 |
Bellingham Car Insurance vs. Washington
People living in Bellingham pay an average of 0.33% less than the typical driver in the state. The average driver in Bellingham can expect to pay about $841 per year, or $1,399 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Bellingham for most people.
Car Insurance Prices by Bellingham Neighborhood
Insurance Prices
Where is insurance cheapest within Bellingham?
The map shows insurance prices in and around Bellingham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $289 per year within the city boundaries, with insurance premiums ranging from a high of $1,597 to a low of $1,308. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Bellingham.Pick the Best Car Insurance Company for You in Bellingham
The best car insurance provider for most drivers in Bellingham
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $410 over the average Bellingham car insurance company.
The best car insurance provider for Bellingham drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $724 over the competition.
The best car insurance company for Bellingham drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $521 better than other car insurance companies.
The best auto insurance for Bellingham drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $395 less each year.
The least expensive car insurance company for new and young drivers in Bellingham
In Bellingham, State Farm costs young drivers $1,498 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bellingham
State Farm gave the largest car insurance discounts to married couples, averaging $283 saved each year compared to an average Bellingham couple's premiums.
The cheapest car insurance in Bellingham for drivers with bad credit
The best Bellingham car insurance company for customer service
Nationwide was the best company for customer service in Bellingham according to the NAIC.
Recent price drops
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The cheapest large national provider in Bellingham
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Bellingham driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bellingham, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Bellingham
What Influences the Cost of Car Insurance in Bellingham?
On average, car insurance in Bellingham is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Bellingham is 23 minutes, which is far less than average for a driver in the state.
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Bellingham are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Bellingham has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Bellingham is $70 per month for minimum coverage and $117 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Silver Beach: Insurance costs 5.43% less
- Edgemoor: Insurance costs 2.29% less
- Sudden Valley: Insurance costs 8.43% more
- Marietta: Insurance costs 3.93% less
- Lummi Island: Insurance costs 3.57% less
- Strandell: Insurance costs 4.00% less
- Ferndale: Insurance costs 1.57% less
- Lawrence: Insurance costs 4.29% less
- Snug Harbor: Insurance costs 1.93% less
- Wickersham: Insurance costs 2.93% more
Cities with Similar Populations
- Suffolk: Insurance costs 9.22% less
- Silver Spring: Insurance costs 53.40% more
- Santa Barbara: Insurance costs 43.46% more
- Seattle: Insurance costs 15.94% more
- San Pedro: Insurance costs 64.69% more
- Santa Clarita: Insurance costs 58.18% more
- Simpsonville: Insurance costs 15.15% more
- Simi Valley: Insurance costs 59.97% more
- San Mateo: Insurance costs 47.68% more
- Scranton: Insurance costs 2.72% more