Cheap Quotes for Bainbridge Island, WA Car Insurance (2021)

Bainbridge Island, Washington car insurance rates average $233 a month and Washington law requires coverage of at least 25/50/10. By comparing rates from multiple Bainbridge Island, WA companies, you can find cheap Bainbridge Island car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Bainbridge Island has an average commute time of 40.8 minutes
  • Average car insurance rates in Bainbridge Island, WA for senior drivers are $1,506/year
  • Average car insurance rates in Bainbridge Island, WA are $233/month

How do the Bainbridge Island, Washington monthly average car insurance rates of $233/month compare to nearby cities like Seattle car insurance rates, Renton car insurance rates, and Federal Way car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bainbridge Island, WA.

We’ll cover the Washington minimum coverage requirements, Washington car insurance laws, and Bainbridge Island, WA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Bainbridge Island, Washington companies to find the most affordable Bainbridge Island car insurance rates.

Enter your ZIP code above to find cheap Bainbridge Island, WA car insurance quotes today.

What are the minimum Bainbridge Island, WA car insurance requirements?

To meet Washington minimum car insurance coverage requirements, Bainbridge Island, WA drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Bainbridge Island, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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How do age, gender, and marital status affect Bainbridge Island, WA car insurance rates?

Three of the criteria that most affect car insurance rates in Bainbridge Island, Washington are age, gender, and marital status. Let’s take a look at how each of these stack up with top Bainbridge Island car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bainbridge Island, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,006 $1,987 $1,854 $1,942 $6,975 $8,064 $2,134 $2,216
American Family $1,643 $1,643 $1,501 $1,501 $6,234 $8,501 $1,643 $2,196
Farmers $2,514 $2,580 $2,302 $2,601 $5,789 $6,219 $3,174 $3,318
GEICO $1,434 $1,459 $1,343 $1,343 $3,160 $4,114 $2,447 $1,763
Liberty Mutual $1,632 $1,781 $1,458 $1,704 $9,127 $10,063 $1,737 $1,886
Nationwide $1,279 $1,306 $1,192 $1,239 $3,420 $4,144 $1,522 $1,637
Progressive $1,446 $1,350 $1,308 $1,322 $7,398 $8,283 $1,730 $1,721
State Farm $1,425 $1,425 $1,286 $1,286 $4,096 $5,176 $1,619 $1,855
USAA $1,000 $986 $966 $964 $4,242 $5,010 $1,256 $1,371

How much do teen drivers pay for car insurance in Bainbridge Island, WA?

Bainbridge Island, Washington car insurance rates for teens are often higher than rates for other drivers. Compare Bainbridge Island car insurance rates from multiple Bainbridge Island, Washington car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Bainbridge Island, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,975 $8,064
American Family $6,234 $8,501
Farmers $5,789 $6,219
GEICO $3,160 $4,114
Liberty Mutual $9,127 $10,063
Nationwide $3,420 $4,144
Progressive $7,398 $8,283
State Farm $4,096 $5,176
USAA $4,242 $5,010

How much do senior drivers pay for car insurance in Bainbridge Island, WA?

With a little research, seniors can find affordable car insurance in Bainbridge Island, Washington. Here’s a look at how the top Bainbridge Island car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Bainbridge Island, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,854 $1,942
American Family $1,501 $1,501
Farmers $2,302 $2,601
GEICO $1,343 $1,343
Liberty Mutual $1,458 $1,704
Nationwide $1,192 $1,239
Progressive $1,308 $1,322
State Farm $1,286 $1,286
USAA $966 $964

How does coverage level affect Bainbridge Island, WA car insurance rates?

How much coverage do you need? Are you comfortable with the Washington minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Bainbridge Island, WA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Bainbridge Island, Washington

Insurance Company Low Medium High
Allstate $3,214 $3,387 $3,591
American Family $2,933 $3,103 $3,286
Farmers $3,324 $3,567 $3,796
GEICO $1,996 $2,135 $2,268
Liberty Mutual $3,451 $3,679 $3,891
Nationwide $1,854 $1,966 $2,082
Progressive $2,776 $2,990 $3,443
State Farm $2,107 $2,280 $2,426
USAA $1,849 $1,973 $2,101

How does your driving record affect Bainbridge Island, WA car insurance rates?

Safe driving pays off. The more traffic violations you have in Bainbridge Island, WA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Bainbridge Island, Washington companies.

Annual Bainbridge Island, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,865 $3,571 $3,954 $3,200
American Family $2,492 $3,190 $3,693 $3,054
Farmers $2,942 $3,665 $3,981 $3,661
GEICO $1,649 $2,105 $3,128 $1,649
Liberty Mutual $3,134 $3,948 $4,025 $3,587
Nationwide $1,539 $2,069 $2,584 $1,678
Progressive $2,485 $3,900 $2,896 $2,998
State Farm $2,065 $2,476 $2,271 $2,271
USAA $1,456 $2,105 $2,617 $1,719

How does a DUI affect Bainbridge Island, WA car insurance rates?

With even one DUI on your record, you can see an increase in your Bainbridge Island, WA car insurance rates.

Annual Car Insurance Rates After a DUI in Bainbridge Island, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,954
American Family $3,693
Farmers $3,981
GEICO $3,128
Liberty Mutual $4,025
Nationwide $2,584
Progressive $2,896
State Farm $2,271
USAA $2,617

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How does your credit history affect Bainbridge Island, WA car insurance rates?

Take a look at the data here to see how your Bainbridge Island, Washington car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Bainbridge Island, Washington

Insurance Company Poor Fair Good
Allstate $4,213 $3,218 $2,761
American Family $3,666 $2,996 $2,662
Farmers $4,347 $3,282 $3,057
GEICO $2,539 $2,031 $1,829
Liberty Mutual $5,244 $3,236 $2,540
Nationwide $2,336 $1,842 $1,724
Progressive $3,376 $3,019 $2,814
State Farm $3,289 $1,981 $1,543
USAA $2,488 $1,827 $1,608

How does your commute affect Bainbridge Island, WA car insurance rates?

Bainbridge Island, WA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Washington can be seen here. Remember, though, that you may have to carry substantially more car insurance in Bainbridge Island if you’re financing.

Annual Car Insurance Rates by Commute Length in Bainbridge Island, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,397 $3,397
American Family $3,044 $3,171
Farmers $3,562 $3,562
GEICO $2,106 $2,160
Liberty Mutual $3,673 $3,673
Nationwide $1,967 $1,967
Progressive $3,070 $3,070
State Farm $2,208 $2,333
USAA $1,955 $1,994

Who has the cheapest Bainbridge Island, WA car insurance rates?

Here’s a breakdown of Bainbridge Island, Washington car insurance rates by company. You can see which company offers the cheapest Bainbridge Island car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Bainbridge Island, Washington

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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What are the top Bainbridge Island, WA car insurance companies?

Which Bainbridge Island, Washington car insurance company will best fit your needs and budget? Check out this comparison of the top Bainbridge Island companies to find the one for you.

Average Annual Car Insurance Rates by Company in Bainbridge Island, Washington

Insurance Company Average Annual Rates
Allstate $3,397
American Family $3,108
Farmers $3,562
GEICO $2,133
Liberty Mutual $3,673
Nationwide $1,967
Progressive $3,070
State Farm $2,271
USAA $1,974

What factors affect Bainbridge Island, WA car insurance rates?

Why are Bainbridge Island, Washington car insurance rates different than rates in Seattle or Renton? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Bainbridge Island, WA?

FBI statistics show that the Bainbridge Island, Washington car theft rate is 6 thefts each year. High theft rates can lead to higher than average Bainbridge Island, WA car insurance rates.

How long is the average commute in Bainbridge Island, WA?

More time spent behind the wheel can lead to higher Bainbridge Island, Washington car insurance rates. In Bainbridge Island, WA, the average commute length is 40.8 minutes.

Car Insurance Quotes for Bainbridge Island, WA

Shop for affordable Bainbridge Island, Washington car insurance rates today. Enter your ZIP code to compare quotes from multiple Bainbridge Island, WA car insurance companies.

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