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How much is car insurance in Bellerose?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $36 a month cheaper to insure your vehicle in Bellerose than it is in the rest of New York.
Conversely, residents of Bellerose might expect to pay higher rates for coverage than the rest of the country. It's around $82 more expensive to insure your vehicle in Bellerose compared to the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Bellerose, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rate for Bellerose residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at 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 climb back up in Bellerose.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Bellerose actually defies this trend. While female drivers pay $182 per month for car insurance, males only pay about $155.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Bellerose, a driving record with one accident will usually get you a rate around $186 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$175|
|15 Years or Older||$167|
The cheapest vehicles to insure in Bellerose are by and large SUVs, with each type typically costing about $147 per month.
SUV owners, on the other hand, usually pay around $147 a month, while truck and van drivers can expect to pay about $244 per month for car insurance coverage.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Bellerose are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$171|
Generally speaking, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
In Bellerose, the difference in rates based on relationship status can be as much as $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than drivers who own property in Bellerose. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bellerose, NY
Recent trends in car insurance for Bellerose drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for car insurance in Bellerose decreased from 2016-2017, before steadying out in 2018. Car insurance rates began decreasing again in 2019, and finished up in 2021, at $224.
How does Bellerose compare to neighboring areas?
Why are car insurance rates in Bellerose different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Community laws
- Access to off-street parking
- General road safety (how many accidents each locality has)
- Amount of drivers in the community
- Rate of crime
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 towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bellerose?
While knowing 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 does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Bellerose.
Bellerose Insurance FAQs
What factors affect car insurance quotes in Bellerose?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Bellerose different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bellerose?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bellerose?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Bellerose 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?