Bellevue, NE Car Insurance

Bellevue drivers pay, on average, around $78 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Bellevue measure up compared to neighboring areas, including Nebraska as a whole? How much can residents of Bellevue expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Bellevue?

Area Average Monthly Car Insurance Premium
Bellevue$78
NE$73
United States$80

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.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Bellevue is rather affordable. The average monthly payment in Bellevue is about $2 cheaper than the rate for the rest of the United States.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've broken down the average rates for Bellevue to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$117
25-34$55
35-44$53
45-54Not Enough Data
55-64$64
65+$45

The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $72 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Bellevue may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$67

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Bellevue, the difference comes out to about $16 per month. As you can see in the table above, male drivers in the area typically pay $83 on average, while female drivers typically pay $67 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$263
1 TicketNot Enough Data
Multiple Tickets$489

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Bellevue with one accident will pay around $98 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$137
2-3 Years$85
4-5 Years$55
6-7 Years$140
8-10 Years$64
11-14 Years$54
15 Years or Older$80

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Bellevue, with drivers paying around $56 per month for auto insurance coverage.

Car owners, on the other hand, usually pay around $84 a month, while SUV drivers can expect to pay about $65 per month for insurance coverage.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Bellevue, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$59
Divorced$61

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Bellevue can be as much as $24 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$79
Live with parents$104

One other element taken into consideration is your living situation. Renters can expect to pay around $27 a month more than those who own their own home in Bellevue. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Bellevue, NE

Recent trends in car insurance for Bellevue 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 cost of car insurance coverage in Bellevue increased consistently from 2016-2020. It finished down in 2021, at $39.

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 coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Local regulations
  • Off-street parking accessibility
  • Road Safety (frequency of local car accidents)
  • Rate of crime
  • Total number of drivers in the region

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. 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 Bellevue?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Bellevue.

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Bellevue Insurance FAQs

What factors affect car insurance quotes in Bellevue?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Bellevue 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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 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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bellevue or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes