Compare average insurance rates in Bellevue for 2026
🏠
Home
$2204
/year
🚗
Auto
$2508
/year
🏥
Health
$539
/month
💰
Life
$22
/month
🏢
Renters
$26
/month
Home Insurance in Bellevue, WA
The average cost of homeowners insurance in Bellevue, Washington is $2,204 per year in 2026. This compares to the state average of $1,450 per year.
$2,204per year (avg in Bellevue)
$1368WA avg: $1,450$3192
Factors Affecting Home Insurance in Bellevue
🏠
Home Value Average: $560,000
🌪
Weather Risk medium
🌊
Flood Zone 6% of properties
📈
Cost Index 1.52 (100 = national avg)
📌
Earthquake Zone: Bellevue is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$448,000
$224,000
$100,000
$1,653
Standard (HO-3)
$560,000
$280,000
$300,000
$2,204
Premium (HO-5)
$700,000
$420,000
$500,000
$2,975
Auto Insurance in Bellevue, WA
The average annual cost of auto insurance in Bellevue is $2,508, compared to the Washington state average of $1,650.
$2,508per year (avg in Bellevue)
$1596WA avg: $1,650$3572
📋
Minimum Coverage in Washington: 25/50/10
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,379
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,508
Premium
250/500/250
$250 deductible
$250 deductible
$3,260
Health Insurance in Bellevue, WA
The average monthly health insurance premium in Bellevue is $539 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$539per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$388
$7,000
$9,100
Healthy, low usage
Silver
$539
$4,500
$9,100
Moderate usage
Gold
$673
$1,650
$8,700
Regular medical needs
Platinum
$808
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Bellevue
💰 Life Insurance
$22
per month (20-year term, $500K)
Life insurance rates in Washington are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$26
per month (avg in Bellevue)
Renters insurance in Bellevue covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Bellevue
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Bellevue, WA is $2,204 per year for a standard HO-3 policy. Rates range from $1,368 to $3,192 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Bellevue is $2,508 per year for full coverage. Liability-only coverage averages around $1,129 per year. Washington requires minimum coverage of 25/50/10.
Insurance costs in Bellevue are above the national average (cost index: 1.52). Home insurance averages $2,204/yr and auto insurance $2,508/yr. Higher costs are driven by earthquake vulnerability.
Key factors include: local cost of living (index: 1.52), earthquake vulnerability, average home values ($560,000), your personal claims history, credit score, and at-fault insurance laws in Washington.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Bellevue residents can potentially save $942+ per year.
Washington requires minimum auto liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Bellevue
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