Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Bellingham

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bellingham Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

38Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5615 3rd Avenue, Ferndale, WA 98248
WebsiteLicense: 219543

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Billy Slesk is a State Farm agent who has been servicing the Bellingham community since 1986. Slesk's team is composed of four agents who can help clients manage everyday risks, recover from unexpected circumstances, and reach specific goals. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. The agency also offers banking and investment services for clients.

  • Multiple Carriers

1844 Iron Street, Bellingham, WA 98225
WebsiteLicense: 41326

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (11)
Yelp
4.0 (2)

Why choose this provider?

Bob Wallin Insurance is a full-service insurance management company that serves residential and commercial clients in Bellingham. It offers its clients a wide array of insurance products and services, such as auto, RV, boat, and watercraft insurance. Additionally, its agents deal with business and commercial insurance, as well as specialty insurance for home dealerships and manufactured home parks and communities. The company has access to a variety of insurance packages from different providers, giving each client various options that suit their needs and requirements.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

8108 Washington 539, Lynden, WA 98264
WebsiteLicense: 87768

Expertise.com Rating

Review Sources

Google
4.9 (42)
Facebook
5.0 (17)
Yelp
5.0 (4)

Why choose this provider?

Founded in 1952, Guide Insurance Services is a full-service and independent insurance company that works with residential and commercial clients in Bellingham, Lynden, and the surrounding areas. Its team of agents offers customers a variety of policies under personal and commercial auto insurance, as well as coverages for motorcycles, boats and watercraft, and vintage automobiles. Additionally, the firm provides other lines of insurance suited for nonprofit organizations, construction firms, and other businesses.

  • RV & Motorhome
  • Boats

P.O. Box 1820, Ferndale, WA 98248

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

SIP Insurance Agency is a company providing various insurance products such as business, commercial, home, auto, and trucking. Its agents offer these products to customers in Bellingham and other surrounding areas. Car insurance policies usually cover medical expenses, liabilities, and damages from accidents or collisions. Customers may also opt to include rental insurance for the protection of car rentals. Auto insurance may also include protection of personal injuries and other damages. There are also insurance policies that cover classic or antique cars.

  • RV & Motorhome
  • Boats
  • Bundling Option

1111 North Forest Street, Bellingham, WA 98225
WebsiteLicense: 870426

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (5)

Why choose this provider?

Von Smith Insurance helps individuals, families, and businesses in the Bellingham area acquire insurance policies based on their coverage needs. Its agents specialize in personal and commercial lines covering automobiles, collector cars, motorcycles, boats, trucks, and limousine services. They carry products and services from various insurance companies to provide a variety of options to clients. The family-owned company was founded by Von Smith in 2014, who was the former CEO and President of Bob Ballin Insurance.

  • Boats
  • Motorcyle & ATV

1503 Riverside Drive, Mount Vernon, WA 98273
WebsiteLicense: 13227

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

WaFd Insurance Group is an independent agency based in Mount Vernon that offers auto insurance services to individuals, families, and businesses in Bellingham and the nearby areas. Its insurance agents work with multiple carriers such as Pacific Insurance Partners, Adobe Insurance, Montgomery Insurance Agency, and Brown Seligman & Thomas Insurance Solutions in providing customized plans. These plans protect the client from financial liability and damages caused by an accident, which may include the collision, comprehensive, liability, uninsured and underinsured motorist coverages.

  • Multiple Carriers

P.O. Box 779, Bellingham, WA 98252
WebsiteLicense: 849321

Expertise.com Rating

Review Sources

Google
4.6 (10)
Yelp
5.0 (1)

Why choose this provider?

Chris Bonner Insurance is a full-service insurance agency servicing the Bellingham community. Since 2014, it's been helping businesses reduce exposure risks and assisting families in securing their financial future. A wide range of personal auto insurance coverage options are offered, which can protect individuals against financial losses caused by different circumstances including car accidents and theft. The agency also offers wedding insurance plans that cover unexpected financial losses. Online services are available for convenience.

  • Multiple Carriers
  • Motorcyle & ATV

1400 Broadway, Bellingham, WA 98225
WebsiteLicense: 128541

Expertise.com Rating

Why choose this provider?

Rice Insurance is an independently owned insurance broker in Bellingham that was established in 1946. It offers a variety of options for car insurance including bodily injury liability, personal injury protection, collision, comprehensive, and uninsured motorist coverage. Other related coverages, like umbrella and watercraft insurance, can also be included in the policy for additional protection. The agency also offers a teen driver insurance program. With over 65 years of agency experience, it has built partnerships with top insurance companies across the country.

  • Multiple Carriers

2615 Meridian Street, Bellingham, WA 98225
WebsiteLicense: 24933

Expertise.com Rating

Review Sources

Google
4.9 (120)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Magas Insurance is an independent agency based in Bellingham and serving the Pacific Northwest. It offers auto insurance that protects vehicle owners and drivers from financial risk. Its agents advise clients coverage options depending on state requirements and their individual needs. Some of the coverage options include property damage, bodily injury liability, uninsured/underinsured liability, comprehensive, and collision. Magas Insurance treats clients like family and helps them get quotes, file claims, and change policies.

  • Multiple Carriers

501 Front Street, Lynden, WA 98264
WebsiteLicense: 32586

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Snapper Shuler Kenner Insurance is a Lynden-based business that serves the risk management needs of Bellingham residents. Included in its line of products is auto insurance, which can protect policyholders against damage, loss, or injury. The company's agents offer a variety of coverage options, such as collision, comprehensive, bodily injury liability, medical payment, towing, and windshield coverage. They also insure recreational vehicles, boats, and motorcycles. Snapper Shuler Kenner Insurance has been providing risk management solutions since 1925.

  • Multiple Carriers

2417 Meridian Street, Bellingham, WA 98225
WebsiteLicense: 30002

Expertise.com Rating

Why choose this provider?

Oltman Insurance & Financial Services is an all-around insurance and finance management company that has been serving the Bellingham metro area and nearby communities for more than eight decades. Established in 1932, the independent insurance agency guides individuals and business owners in comparing auto coverage options among different insurance providers. Its agents are experienced in handling basic and seasonal auto insurance coverages for personal autos, trucks, vans, and classic cars. They also provide insurance solutions for motorcycles, RVs, boats, and watercraft. The company is locally owned and operated.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Why might Bellingham residents receive different car insurance rates than those in nearby cities?

    Auto insurance rates in Bellingham vary due to specific local factors. Insurers consider factors such as local crime rates, parking conditions, and city-specific regulations. Individual factors such as age, gender, driving history, credit rating, and marital status also play a role in determining rates. These combined factors distinguish Bellingham's insurance costs from those of its neighboring towns.

  • How does your car insurance policy change if you drive from Bellingham to another state or even another country?

    If your car insurance in Bellingham meets your state's minimum requirements, it will usually adapt to cover the mandates of other states. However, your standard auto coverage does not apply when traveling outside of the United States, its territories, or Canadian provinces. Before traveling out of state or internationally, always double-check specifics.

  • What is usage-based car insurance and how does it work for Bellingham drivers?

    Usage-based insurance, also known as telematics, monitors Bellingham drivers' driving habits via smartphone apps or in-car devices. These tools send data to insurance companies, which helps them tailor your premium. This information is combined with traditional insurance assessment criteria in order to determine the rate. Essentially, your driving habits can have an impact on your premiums, allowing safe drivers to benefit from lower rates. Always be cautious, as poor driving can lead to increased costs.

  • If a Bellingham resident loans their car to a friend or relative, is the vehicle still insured?

    When you lend your car to someone in Bellingham, your auto insurance usually remains in effect. The borrower does not need direct authorization from you; all they need is a reasonable assumption that they are driving with your permission. As a result, even if you have not explicitly consented, your policy coverage can still protect the driver. Always make sure the borrower understands the policy's limitations.

  • What should Bellingham residents do if they lack uninsured/underinsured motorist coverage after an accident?

    Drivers in Bellingham who do not have uninsured/underinsured coverage can use other policies they have. Collision insurance may cover car damage, whereas personal injury protection may cover injury-related expenses. Individuals who do not have this coverage may face out-of-pocket expenses for repairs, medical care, and vehicle rentals. It is possible to seek compensation from the party deemed at fault in order to recoup the amounts spent, but make sure to check policy details ahead of time.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.