Average car insurance cost in Bellevue

The average car insurance rate in Bellevue for full coverage is $1,772 per year or $148 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Bellevue is $454 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$886
Average annual premium$1,772
State minimum premium$454

Cheapest car insurance companies in Bellevue

Auto-Owners offers the cheapest rates on average at $1,231 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Bellevue.

CompanyAverage 6 month rateAverage annual rate
Auto-Owners$616$1,231
Nationwide$617$1,233
Shelter Insurance$791$1,581
Geico$827$1,654
Progressive$951$1,902
Farmers Mutual of Nebraska$984$1,967
State Farm$1,064$2,128
Iowa Farm Bureau$1,134$2,267
Allstate$1,294$2,587
USAA$583$1,167

Cheapest car insurance cost in Bellevue by age group

Car insurance rates in Bellevue vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Bellevue by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Auto-Owners
  • Cheapest for young adults: Nationwide
  • Cheapest for adults: Nationwide
  • Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $3,790 per year.

Nationwide offers the most affordable auto insurance for young adults at $2,158 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,217 per year for adult drivers in Bellevue.

Nationwide offers the least expensive car insurance for senior drivers in Bellevue, at $1,117 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Nationwide$4,591$2,158$1,217$1,117
Auto-Owners$3,790$2,230$1,251$1,296
Shelter Insurance$5,023$3,000$1,621$1,468
Geico$5,850$2,580$1,652$1,916
Progressive$9,030$3,158$1,919$1,666
Farmers Mutual of Nebraska$4,639$3,195$1,974$1,769
State Farm$6,230$3,579$2,139$2,038
Iowa Farm Bureau$6,575$3,407$2,172$1,961
Allstate$8,208$3,850$2,657$2,521
USAA$3,836$1,945$1,187$1,149

Cheapest car insurance companies in Bellevue by driver profile

Car insurance rates in Bellevue vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Bellevue by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Bellevue pay about $1,750 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Bellevue.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$875$1,750
Geico$1,213$2,426
Progressive$1,568$3,136
Auto-Owners$1,800$3,599
Allstate$2,084$4,167
State Farm$5,580$11,160
USAA$1,023$2,045

Cheapest auto insurance after an at-fault accident: Auto-Owners

In Bellevue, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $1,857 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Bellevue.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$929$1,857
Nationwide$1,062$2,123
State Farm$1,235$2,470
Progressive$1,662$3,323
Geico$1,719$3,438
Allstate$1,803$3,605
USAA$862$1,723

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,299 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Bellevue.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,150$2,299
Progressive$1,152$2,304
Auto-Owners$1,219$2,438
Nationwide$1,259$2,517
Allstate$1,660$3,320
Geico$2,772$5,543
USAA$1,198$2,396

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance at $1,508 in Bellevue for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$754$1,508
Geico$891$1,782
Auto-Owners$963$1,926
State Farm$1,150$2,299
Progressive$1,367$2,733
Allstate$1,413$2,826
USAA$725$1,449

Car insurance discounts for Bellevue drivers

The biggest car insurance discount available in Bellevue is for the years licensed category at 40.15%, offered by Geico.

Car insurance is essential for drivers in Bellevue, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Bellevue drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,5820.39%$10
Air BagsAuto-Owners$1,5640.35%$6
Air BagsFarmers Mutual Ins Co of NE$1,5560.39%$6
Air BagsGeico$1,6120.56%$9
Air BagsNationwide$1,2800.32%$4
Air BagsShelter Insurance$1,9380.05%$1
Anti-Theft DeviceAuto-Owners$1,5643.11%$49
Anti-Theft DeviceGeico$1,6121.41%$23
Daily CommuteAuto-Owners$1,56411.01%$172
Daily CommuteGeico$1,6125.67%$92
Daily CommuteIowa Farm bureau$1,9885.22%$104
Daily CommuteShelter Insurance$1,9384.83%$94
Days Advanced PurchaseAllstate$2,5829.54%$246
Days Advanced PurchaseAuto-Owners$1,5646.00%$94
Days Advanced PurchaseFarmers$2,0989.94%$209
Days Advanced PurchaseNationwide$1,2804.07%$52
Days Advanced PurchaseProgressive$3,1353.71%$116
Days Advanced PurchaseShelter Insurance$1,9387.02%$136
Days Per Week DrivenGeico$1,6125.67%$92
Days Per Week DrivenShelter Insurance$1,9384.18%$81
EducationGeico$1,6124.89%$79
EducationProgressive$3,1353.00%$94
Electronic Funds TransferAllstate$2,5822.38%$62
Electronic Funds TransferFarmers$2,0981.98%$42
Electronic Funds TransferProgressive$3,1352.37%$74
HomeownerAllstate$2,5821.36%$35
HomeownerAuto-Owners$1,5647.01%$110
HomeownerFarmers$2,0980.94%$20
HomeownerProgressive$3,1356.22%$195
Lower Annual MileageAllstate$2,5826.70%$173
Lower Annual MileageProgressive$3,1354.41%$138
Lower Annual MileageState Farm$1,72910.07%$174
Loyalty - Years Renewal With CompanyFarmers$2,0980.72%$15
Loyalty - Years Renewal With CompanyFarmers Mutual Ins Co of NE$1,5567.60%$118
Loyalty - Years Renewal With CompanyIowa Farm bureau$1,9889.98%$199
Loyalty - Years Renewal With CompanyProgressive$3,1352.90%$91
Loyalty - Years Renewal With CompanyShelter Insurance$1,9385.29%$103
Loyalty - Years Renewal With CompanyState Farm$1,72915.53%$268
Marital StatusAllstate$2,5822.79%$72
Marital StatusFarmers Mutual Ins Co of NE$1,5563.28%$51
Marital StatusGeico$1,6121.47%$24
Marital StatusIowa Farm bureau$1,9886.21%$124
Marital StatusNationwide$1,2808.17%$105
Marital StatusProgressive$3,13518.05%$566
Multi PolicyAllstate$2,5826.35%$164
Multi PolicyAuto-Owners$1,5647.79%$122
Multi PolicyFarmers$2,09810.02%$210
Multi PolicyFarmers Mutual Ins Co of NE$1,5569.90%$154
Multi PolicyGeico$1,6124.28%$69
Multi PolicyIowa Farm bureau$1,9886.38%$127
Multi PolicyNationwide$1,2804.60%$59
Multi PolicyProgressive$3,1356.58%$206
Multi PolicyShelter Insurance$1,9384.85%$94
Multi PolicyState Farm$1,7299.63%$167
Paperless/Electornic DocumentsAllstate$2,5823.98%$103
Paperless/Electornic DocumentsNationwide$1,2804.07%$52
Paperless/Electornic DocumentsProgressive$3,1350.99%$31
Payment TypeAllstate$2,5828.71%$225
Payment TypeAuto-Owners$1,56411.99%$188
Payment TypeFarmers$2,0984.97%$104
Payment TypeIowa Farm bureau$1,9889.95%$198
Payment TypeShelter Insurance$1,93811.97%$232
Primary UseAllstate$2,5825.85%$151
Primary UseAuto-Owners$1,56417.28%$270
Primary UseGeico$1,6125.67%$92
Primary UseIowa Farm bureau$1,98814.57%$290
Primary UseNationwide$1,2808.09%$104
Primary UseProgressive$3,1351.79%$56
Primary UseShelter Insurance$1,93824.25%$470
Primary UseState Farm$1,72911.27%$195
ProfessionGeico$1,6124.89%$79
ProfessionProgressive$3,13516.66%$522
Safety DevicesAllstate$2,5825.85%$151
Safety DevicesAuto-Owners$1,5642.72%$43
Safety DevicesGeico$1,6122.29%$37
Safety DevicesProgressive$3,1352.98%$93
TelematicsProgressive$3,1359.97%$313
Years InsuredAllstate$3,98130.04%$1,196
Years InsuredAuto-Owners$1,87216.48%$309
Years InsuredFarmers$2,93113.85%$406
Years InsuredIowa Farm bureau$3,38139.14%$1,323
Years InsuredNationwide$1,5618.09%$126
Years InsuredProgressive$3,6017.79%$280
Years InsuredShelter Insurance$2,82531.40%$887
Years LicensedFarmers$4,63736.79%$1,706
Years LicensedGeico$3,21240.15%$1,290
Years LicensedIowa Farm bureau$4,47222.30%$998
Years LicensedNationwide$1,95520.13%$394
Years LicensedProgressive$4,84823.06%$1,118
Years LicensedState Farm$2,17217.84%$387

How to get cheap car insurance in Bellevue in 2025

Find affordable car insurance in Bellevue by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Bellevue.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Nebraska