Bellingham Auto Insurance Rates, Quotes, Agents & Reviews in WA

Bellingham, WA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bellingham, WA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Bellingham, WA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Bellingham, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bellingham, WA with that of other cities in and around Bellingham.

Bellingham Sudden Valley Bow Acme Lummi Reservation Alger
Average Insurance Rates $949 $1,232 $1,266 $1,722 $1,555 $1,263

Bellingham, WA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bellingham, WA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bellingham $1,439 $1,215
Geneva $1,361 $1,149
Sudden Valley $1,720 $1,453
Marietta-Alderwood $1,412 $1,193
Acme $1,774 $1,498
Alger $1,297 $1,095
Bow $1,910 $1,613
Lummi Reservation $2,066 $1,745

Bellingham, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bellingham, WA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,079
20 Years $1,219
30 Years $939
40 Years $904
50 Years $837
60 Years $848
70 Years $988

Bellingham, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bellingham, WA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,613 $285
3 Vehicles $2,420 $427
4 Vehicles $3,227 $569

Savings on 2 Vehicles bundle:$285

Savings on 3 Vehicles bundle:$427

Savings on 4 Vehicles bundle:$569


Bellingham, WA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bellingham, WA.

Location Average Insurance Cost Post DUI Insurance Rate
Bellingham $949 $1,523
Geneva $1,287 $2,066
Sudden Valley $1,232 $1,977
Marietta-Alderwood $1,263 $2,027
Acme $1,722 $2,764
Alger $1,263 $2,027
Bow $1,266 $2,032
Lummi Reservation $1,555 $2,496

Bellingham, WA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $814
Excellent (740-799) $929
Good (670-739) $989
Average (580-669) $1,290
Poor (300-579) $1,548

Bellingham, WA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Rice Insurance Llc Liberty Mutual Independent 1400 BROADWAY, BELLINGHAM, 98225 888-742-3467
Tim Slesk State Farm 2200 Rimland Dr Ste 104, Bellingham, 98226-6643 360-756-5007
Von Smith Insurance Inc Travelers 3217 FIRWOOD AVE, BELLINGHAM, 98225 360-201-3094
Scott Richardson Allstate 1901 N State St Ste A, Bellingham, 98225 (360) 676-1822
Mike Gubrud Farmers 400 E Fairhaven Ave, Burlington, 98233 (360) 757-7000
Oltman Insurance Agency Inc Liberty Mutual Independent 2417 MERIDIAN ST STE 102, BELLINGHAM, 98225 360-734-3960
Duane Sammons Insurance Center, Inc None 1414 Broadway, Bellingham, 98225 None
Bob Wallin Ins Inc Travelers 1844 IRON ST, BELLINGHAM, 98225 360-734-5204
Jim Harber State Farm 3219 Meridian Street, Bellingham, 98225 360-676-9343

Bellingham, WA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$42 $991
Driver's Failure In Showing Documents +$92 $1,041
Driving With An Expired Registration +$98 $1,047
Driving At A Considerably Slow Pace +$206 $1,155
Using A Cellphone While Driving +$217 $1,166
Running A Red Light +$221 $1,170
Speeding +$233 $1,182
Driving A Vehicle Without The Required Permission +$295 $1,244
Driving With An Expired/Suspended License +$640 $1,589

Bellingham, WA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $911
Active Disabling Device $911
Tracking Device $892
Passive Disabling Device $883

Latest Auto Insurance Reviews in Bellingham, WA | Back to Top

Geico
Experience has been relatively good. Only complaint is I have never been in a car accident but my rate has continually went up every year which is frustrating.
State Farm
The breadth of policies is great. I am always able to identify a policy that meets my different needs depending on the car i am insuring.
State Farm
When the tree branch hit my house, it also hit and damaged my car. Customer service was very helpful getting me pointed in the right direction in order to get my car repaired.
State Farm
I have full rental car coverage. I do not have to wait to be reimbursed should I need a rental vehicle.
Safeco Insurance
I am completely satisfied with my current car insurance customer service. They always find the best rated for me. They care about their customers.
Allstate
They offer just about every kind of insurance you would need or want, I only have auto with them but offer just about everything.
Geico
Only one claim in five years and no issues. Their representative was helpful and got everything settled for us with a minimum of hassle.
American Family Insurance
Compared to my prior policy, my coverage is better and my premiums are lower. I am completely satisfied with the switch to the new insurance carrier.
American Family Insurance
Compared to my prior policy, my coverage is better and my premiums are lower. I am completely satisfied with the switch to the new insurance carrier.
Progressive
I like quick quotes through their website and the ability to instantly print out my insurance cards for my car. I like the multiple payment options available for their olicies.
Farmer's Insurance
Interaction is okay we have to contact the agent personally which is okay but you can't always get ahold of him and he doesn't call back exact.
Geico
There's pretty minimal offerings for services, expanding it a bit more, or at least making more options better known, would be helpful
Farmer's Insurance
My car insurance is combined with my home insurance. It makes it easy to have one bill. I feel like I could get a better price with online companies but I like having a local company it makes me feel more secure
Mapfre Insurance
They give a lot more discounts - you do the drive test for a few days and then they discount based on your speed and braking; they give discounts for every year you stay with them; They have people on the phones 24/7 so you can always call and speak to someone. 1 I am completely satisfied with them.
Geico
I think its about 30% less than other companies. I pay a really cheap price per month compared to any other company I looked at.
Progressive
It's definitely cheaper due to being a customer for almost 10 years. I've also maintained a very good driving record so that helps.