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Get Cheap Car Insurance in Birchwood, Bellingham, WA
We monitor insurance prices, helping the average driver in Birchwood save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Birchwood
The chart below shows the cheapest car insurance company in Birchwood 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.
| Birchwood Insurer | Monthly Cost |
|---|---|
| Metromile | $49 |
| State Farm | $55 |
| Progressive | $60 |
| Geico | $65 |
Savings for Every Kind of Birchwood Driver
Based on our extensive insurance data, we know the average Birchwood 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 $415 per year by choosing the right vehicle insurance company. Some Birchwood residents are paying out over $1,417 extra every year for auto insurance in Birchwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Birchwood, Bellingham, WA Savings / Yr. |
|---|---|
$415 |
|
$733 |
|
$528 |
|
$400 |
|
$1,517 |
|
$287 |
|
$492 |
Birchwood Car Insurance vs. Bellingham
People living in Birchwood pay an average of 0.96% more than the typical driver in the state. The average driver in Birchwood can expect to pay about $852 per year, or $1,417 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Birchwood for most people.
Car Insurance Prices by Birchwood Neighborhood
Insurance Prices
Where is insurance cheapest within Birchwood?
The map shows insurance prices in and around Birchwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $182 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,508 to a low of $1,326. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Birchwood.Pick the Best Car Insurance Company for You in Birchwood
The best car insurance provider for most drivers in Birchwood
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $415 over the average Birchwood car insurance company.
The best car insurance provider for Birchwood 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 $733 over the competition.
The best car insurance company for Birchwood drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $528 better than other car insurance companies.
The best auto insurance for Birchwood drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $400 less each year.
The least expensive car insurance company for new and young drivers in Birchwood
In Birchwood, State Farm costs young drivers $1,517 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Birchwood
State Farm gave the largest car insurance discounts to married couples, averaging $287 saved each year compared to an average Birchwood couple's premiums.
The cheapest car insurance in Birchwood for drivers with bad credit
The best Birchwood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Birchwood
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Birchwood 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 Birchwood, 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 Birchwood
What Influences the Cost of Car Insurance in Birchwood?
On average, car insurance in Birchwood is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:
- 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 Birchwood are lower than average 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.
- Birchwood is a fairly densely populated area in the state. The neighborhood’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 Birchwood is $71 per month for minimum coverage and $118 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 Neighborhoods
- Columbia: Insurance costs 3.03% less
- Guide Meridian: Insurance costs 4.02% less
- Lettered Streets: Insurance costs 4.87% more
- York: Insurance costs 4.30% more
- Sehome: Insurance costs 1.13% more
- Mount Baker: Insurance costs 3.74% less
- Western Washington University: Insurance costs 1.83% more
- Puget: Insurance costs 1.48% less
- South Hill: Insurance costs 1.13% less
- Happy Valley: Insurance costs 4.59% more
Neighborhoods with Similar Populations
- Eagle Point District: Insurance costs 12.42% less
- Crawford: Insurance costs 15.24% less
- Frederickson: Insurance costs 14.47% more
- Hamlet: Insurance costs 72.05% more
- Harris Ranch: Insurance costs 24.42% less
- Modello: Insurance costs 140.01% more
- Willowcreek: Insurance costs 46.08% more
- Timmerman West: Insurance costs 8.75% less
- Town and Country North: Insurance costs 45.02% more
- Glendale: Insurance costs 72.83% more