Car Insurance in Bainbridge Island, WA
Not every Bainbridge Island driver puts the same miles in. Maybe you work from home, or maybe the 305 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Bainbridge Island?
The average estimated cost of Lemonade car insurance in Bainbridge Island ranges from roughly $1,740 to $1,800 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Bainbridge Island?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Bainbridge Island?
Every Bainbridge Island driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what Washington requires.
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $10,000 |
What additional car insurance coverages
does Lemonade offer in Bainbridge Island?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read morePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Bainbridge Island?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Beyond Bainbridge Island: car insurance across Washington
Bainbridge Island car insurance FAQs
What happens if you drive without insurance in Bainbridge Island or Washington State?
Washington requires all drivers to carry minimum liability coverage, and getting caught without it can mean fines, license suspension, and having your registration revoked. If you cause an accident while uninsured, you’re personally on the hook for the other driver’s damages and medical bills. It’s a risk that far outweighs the cost of keeping a policy active.
How does Bainbridge Island's weather affect my car insurance?
Bainbridge Island gets a lot of rain, and wet roads mean a higher chance of hydroplaning, low-visibility accidents, and fender benders on slick surfaces. Comprehensive coverage can also help if a windstorm brings a tree branch down on your car, which is not exactly rare on the island. Making sure your coverage goes beyond the state minimum is a smart call given the Pacific Northwest’s unpredictable conditions.
Is car insurance more expensive for younger drivers on Bainbridge Island?
Young drivers typically pay more, but safe driving habits can bring that cost down more than most people expect. With pay-per-mile insurance, a younger driver who keeps a low annual mileage, say, mostly commuting to the ferry or driving locally around the island, can end up paying less than their age alone might suggest. It rewards actual behavior, not just a birthday.
What coverage options go beyond Washington's state minimum?
Washington’s minimum only covers damage or injuries you cause to others, so your own car and medical costs aren’t included. Collision coverage pays for repairs to your car after an accident, and comprehensive covers things like theft, weather damage, or a deer running into your path on one of Bainbridge Island’s wooded roads. Adding these gives you a much fuller safety net.
What should I do after a car accident on Bainbridge Island?
First, make sure everyone is safe and call 911 if there are any injuries. Exchange insurance and contact info with the other driver, document the scene with photos, and report the accident to the Bainbridge Island Police Department if it’s a significant collision. Then file a claim with your insurer as soon as you can so the process gets moving quickly.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
Continue Reading
How Much Does Car Insurance Cost in 2026?
Let’s dig into the factors that impact car insurance rates.
Pay Per Mile Car Insurance, Explained
Have stellar driving habits and spend less time behind the wheel than the average driver? Pay per mile car insurance could be a great fit.
Car Insurance for Electric Cars
We reward drivers for the environment-friendly driving choices they’re already making. Here are some of the perks.
Wenatchee, WA Car Insurance
Get an auto insurance quote in Wenatchee
Newcastle, WA Car Insurance
Get an auto insurance quote in Newcastle
Tumwater, WA Car Insurance
Get an auto insurance quote in Tumwater