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How much is car insurance in Bellflower?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in Bellflower than it is in the rest of California.
Compared to the rest of the country, auto insurance in Bellflower is more affordable. On average, it's about $19 less to insure your vehicle in Bellflower than it is in the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Bellflower residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Bellflower drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While this isn't true in Bellflower, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Bellflower, a driving record with a single accident will usually get you a rate around $72 a month. In addition, drivers with one ticket can expect to pay around $80 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$59|
As you can see in the first table above, the cheapest vehicles to insure in Bellflower are usually trucks and vans, which run about $51 per month.
SUV drivers will see rates of about $59 to insure their car, while car owners typically pay around $63 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Bellflower, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bellflower as well, where the difference is around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than drivers who own property in Bellflower. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Bellflower, CA
Recent trends in car insurance for Bellflower drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Bellflower dropped from 2017-2018, before leveling out in 2019. They finished down in 2022, at $57 per month
How does Bellflower compare to neighboring areas?
Why are car insurance rates in Bellflower different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Area crime rates
- Rate of car accidents
- Total number of drivers in the region
- Regional regulations
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Bellflower?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering plans in Bellflower.
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Bellflower Insurance FAQs
What factors affect car insurance quotes in Bellflower?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bellflower different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bellflower?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Bellflower?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bellflower or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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