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How much is car insurance in Bellevue?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Bellevue than it is in the rest of Nebraska.
However, car insurance rates in Bellevue are more affordable than the national average. On average, it's about $4 less to insure your vehicle in Bellevue than it is in the rest of the United States.
Although these are the average rates for auto insurance in Bellevue, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down average rates for Bellevue residents 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 Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Bellevue.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Bellevue is about $12 per month. As illustrated in the table above, male drivers in the area pay about $81 on average, while female drivers pay around $69 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key 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 Bellevue, drivers with one accident on their record will experience rates around $89 a month. Likewise, drivers with one ticket will be looking at a rate of around $61 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$137|
|15 Years or Older||$77|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Bellevue, with drivers paying around $66 per month for auto insurance coverage.
SUV drivers will see rates of about $71, while the rates for car owners average out to about $80 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Bellevue, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
On average, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Bellevue is no exception, with the difference totaling to around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $26 a month more than drivers who own property in Bellevue. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Bellevue, NE
Recent trends in car insurance for Bellevue drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Car insurance rates in Bellevue had been increasing from 2017-2020, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $48 per month.
How does Bellevue compare to neighboring areas?
Why are car insurance rates in Bellevue different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
- Total number of drivers
- Local crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 Bellevue?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Bellevue.
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Bellevue Insurance FAQs
What factors affect car insurance quotes in Bellevue?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bellevue different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bellevue?
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 Bellevue?
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 Bellevue 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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