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Cheap Car Insurance in Bremerton, WA

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Everything You Need to Know About Auto Insurance in Washington

Smack in the middle of the Puget Sound region, the Bremerton and Silverdale area is known for its impressive Naval History, the Puget Sound Naval Shipyard, and the USS Turner Joy Museum Ship. It also boasts some of the country’s most scenic waterfronts, with Puget Sound and Bremerton’s harbor side forming an impressive backdrop.

Some of the most well-known attractions include the Bremerton Boardwalk, Kitsap Mall, and Silverdale Waterfront Park.

All Bremerton and Silverdale residents must have an active auto insurance policy to drive legally. Continue reading to learn more about car insurance in the state of Washington, including the minimum liability requirements and penalties for driving without insurance in the region.

How Much Does Car Insurance Cost in Bremerton, WA?

Bremerton residents pay an average monthly liability-only premium of $40 and an average full coverage premium of $80. That’s much lower than the national average of $52 and $168, respectively.

What Does It Mean If Washington Is At-Fault?

Washington is an at-fault state, which means that the insurance companies of at-fault drivers are responsible for paying the cost of damages and injuries incurred by other parties.

To determine fault in Washington, law enforcement personnel, drivers, insurance providers, and third parties consider the following:

  • Police Report. Police reports serve as the official documentation of the scene. They contain all accident details, including witness statements and the officer’s assessment, which insurers use to determine fault or a percentage of fault.
  • Expert Analysis. Occasionally, accident reconstruction efforts and engineers employed by insurance companies examine all accident details. They apply science to recreate the accident as closely as possible, using physics and engineering principles.
  • Witness Testimony. Statements from eyewitnesses can be obtained, which insurance companies and law enforcement personnel use to support or reject a driver’s claim of fault (or lack thereof).

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Washington

Not every city in Washington pays the same full or liability-only average monthly rate.

To learn the average monthly premiums paid in cities throughout the state of Washington, check out the table below:

City Full Coverage Insurance Liability Insurance Coverage
Bremerton $80 $40
Bellevue $100 $50
Olympia $90 $40
Seattle $110 $50
Tacoma $110 $50

Affordable Bremerton Car Insurance Rates by Zip Code

There are many reasons average monthly premiums vary by zip code, such as theft, vandalism, and claims frequency in each region.

For the average monthly premium Bremerton residents pay by zip code, see our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
98310 $80 $40
98311 $90 $40
98312 $90 $40
98314 $140 $40
98337 $80 $40
98366 $50 $40

Low-Cost Car Insurance Rates by Age in Bremerton

There are many reasons younger drivers – especially teen drivers pay – much higher premiums than older drivers. These reasons include limited driving history and a higher than average collective number of at-fault accidents and moving violations.

For the average monthly premium Bremerton-Silverdale residents pay by age, see our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $200 $180
20s $120 $90
30s $80 $40
40s $70 $40
50s $50 $40
60s 60$ 40$
70s $80 $50

* Methodology: For this guide, we applied average monthly premiums based on the profile of a 30-year-old male with a liability-only policy. There are many factors auto insurance companies use to determine your premiums, including your deductible amount, driving record comments, age, gender, and discount eligibility.

Driving Conditions in Bremerton

How Many Fatal Accidents Happen in Bremerton?

In 2021, there was a single road traffic accident in Bremerton involving one vehicle, resulting in one fatality.

How Are the Road Infrastructure and Bridges in Bremerton?

The city of Bremerton has a public works department with an engineering team responsible for road infrastructure upkeep, including pavement management, signal maintenance, construction of annual capital projects, and ongoing improvements to its transportation and stormwater plans to better adjust the population’s needs.

For more information on Bremerton’s public works program, visit the City of Bremerton – Public Works & Utilities.

Minimum Car Insurance Requirements in Bremerton

All Washington drivers must carry the following minimums:

  • Bodily Injury or Death for One Person: $25,000
  • Bodily Injury or Death for Multiple People: $50,000
  • Property Damage Per Accident: $10,000

These limits are low. A single multi-vehicle accident could cause hundreds of thousands of dollars in bodily injury and property damage, forcing you to go out of pocket to pay the difference. The higher the liability limits you carry (e.g., 100/300/100), the greater your peace of mind with virtually any problematic road scenario.

What Are the Penalties for Driving Without Insurance in Bremerton, WA?

Penalties for driving without insurance in Washington are pretty severe:

  • $25 mandatory fee
  • First-time offenders with no coverage will face a minimum fine of $550 and required filing of an SR-22 if they cause an accident.
  • Second-time offenders with no coverage will face a minimum fine of $550, required filing of an SR-22, and community restitution.
  • Any citations could be dismissed if you provide proof of insurance before the first court date.

Remember, all Washington drivers must carry a minimum 25/50/10 policy.

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Factors Allowed in Bremerton-Silverdale Car Insurance Rates

There are many factors auto insurance companies use to determine what you pay in premiums. Everything from your age and gender to vehicle make and model are considered.

Here are only seven of the factors:

  • Age
  • Gender
  • Selected coverages
  • Credit score (not all states)
  • Vehicle make and model
  • Zip code of residence
  • Deductible amount

If you have any questions about how your premiums are calculated, discuss it with your provider.

Here’s What You Need to Know When Driving in Washington

Be mindful of the following Washington state laws to reduce your chances of filing a claim and spoiling your clean driving record:

  • Speed Limits. All Washington drivers must adhere to posted speed limits, which can change depending on your road type.
  • Cellphone Use. Forget about using your cellphone while driving in Washington. Texting and holding a phone to your ear will result in an immediate fine by law enforcement personnel. Instead, use hands-free devices or your Bluetooth connection.
  • Driving Under the Influence (DUI). If you are a Washington driver caught with a blood alcohol concentration (BAC) level of 0.08% or higher, expect immediate driver’s license and registration suspension, heavy fines, and even jail time, depending on the severity of the offense.

To keep your premiums low, do not even think of going over the speed limit, driving while texting, or driving after a beer or two.

What are the Best Discounts for Car Insurance in Bremerton, WA?

If you want to stay on top of lower premiums, one of the best ways to do it is by checking to see if you’re eligible for discounts. You could be rewarded for everything from insuring two or more policies under the same roof to simply being a military veteran.

Bremerton-Silverdale drivers can take advantage of the following discounts (not an all-inclusive list):

Keep in mind that not all insurance companies offer the same discounts. To learn what you are eligible for, please consult with an agent.


Get an Online Quote for Car Insurance in Bremerton Today!

City skyline with snowy mountains of the Olympic peninsula on backdrop – cheap car insurance in Bremerton, WA

All Bremerton residents can benefit from a new policy from Freeway Insurance addressing budget and coverage needs.

To get started with Freeway Insurance, visit us online, visit a Bremerton office near you, or call (800) 777-5620 to speak with one of our friendly agents. Get in touch with us today!