Belmont, CA Car Insurance

How do rates in Belmont measure up compared to neighboring areas, including California as a whole? What rates should residents of Belmont expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Belmont?

Car insurance coverage in Belmont is about $7 cheaper than it is in the rest of California.

Similarly, car insurance rates in Belmont are often favorable when viewed against the rest of the country. The average monthly payment in Belmont is about $32 less than the rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Belmont, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down the average rate for Belmont residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Belmont may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Belmont, male drivers pay about $4 more a month. Based on the chart above, you can see that female drivers pay around $47 on average, while male drivers typically pay $51 each month.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Belmont, drivers with one accident on their record will experience rates around $80 a month. In addition, drivers with one ticket can expect to pay around $59 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Belmont are usually SUVs, at $47 per month.

SUV owners, on the other hand, by and large pay around $47 per month, while truck and van drivers can expect to pay about $61 a month for car insurance coverage.

The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Belmont are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Generally, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

As you can see in the table above, married couples pay about the same rate as single drivers in Belmont.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Belmont, expect to pay around $1 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Belmont, CA

Recent trends in car insurance for Belmont drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Belmont have been mixed as of late, it increased in 2017, declined in 2019, and rose again in 2021, before finishing at $65 in 2022.

How does Belmont compare to neighboring areas?

Why are car insurance rates in Belmont different from other areas?

There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Local laws
• Amount of drivers
• Number of car accidents
• Crime levels
• Off-street parking access

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Belmont?

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.

Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Belmont.

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Belmont Insurance FAQs

What factors affect car insurance quotes in Belmont?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Belmont different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Belmont?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Belmont?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Belmont or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?